vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I applied for a loan modification in XX/XX/XXXX, knowing that my loan would mature in XX/XX/XXXX. Never received the modification even with the assistance of a HUD Certified Counselor. In XX/XX/XXXX US Bank placed a Les Pending on my Deed which has not gotten to the Foreclosure Procedure. In keepin in contact with US Bank 's Attorney I found out they can not go forward as this time. In trying to prevent being foreclosed on I spoke with other Lenders that are willing to go forward with the refinancing my loan, but due to the Les Pending on the Deed, they will not do it. I contacted US Bank to ask for a refinance. I provided all necessary information and was sent a closing package via XXXX XX/XX/XXXX. Now after making numerious call to the Loan Officer I was told they can not refy me due the Les Pending on the Deed. As a consumer I really need help in getting my Loan refyed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I called Macy 's credit card Is XXXX XXXX however, my letter is from Citi Bank and explained the charge they are trying to collect is fraudulent as I was not in FL this past XXXX as I live in the Northeast. They transferred me to the fraud department and I was told they would investigate this and they sent me a new card - which I have in my possession. They have not told their collections department this as I continuously receive calls requesting I pay this amount. Also, there is no option to speak to anyone to reexplain the situation so the calls continue including several late at night i.e. XXXX. My credit score has dropped recently and my concern is this will not be corrected and my credit score will be impacted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Account XXXX. Hi, I have fully paid off my lease as of XX/XX/23. I have been unable to get my title from Ally. They keep promising I will receive it on a certain date but never do. Then they promise it went out XXXX but again never receive it. I sent them {$50000.00} and now I have a car that I still don't own, don't need and can't do anything with yet continue to pay for insurance. I have contacted them over 25 times with no luck. All I want is my Title for the vehicle I own. Seems reasonable. 

Thank you very much XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I have sent in countless letters to Experian, XXXX, and XXXX, neither Consumer reporting agency has removed the XXXX XXXX account in dispute from my Consumer report. I sent in a cease and desist letter to XXXX XXXX on XX/XX/2021 which demands the Bank to cease furnishing my information to the consumer reporting agencies. I have attached all related evidence below to show proof of my claim. Experian, XXXX, and XXXX please delete the account before I seek litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is continuing to update accounts on the IdentityIQ platform when I've sent multiple disputes and letters acknowledging that I never gave them permission to access my information which is identity theft. They also haven't responded to my previous disputes over the past 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sentry Credit, Inc.
State: UT

Complaint narrative:
XXXX  as credit reporting agency did not investigate well when dispute was filed. The account was never late, the payment information the original creditor had on file never declined. The original creditor never contacted me for late or missed payment. The creditor stopped collecting the debt at its own will. And then sent it to collections. 
I contacted XXXX  to resolve this matter. They said they have verified the debt without fully investigating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with ABLTY RECVRY plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$66.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is continiung to report closed accounts that are not permitted to be on my account because i never gave them permission to have my information in writing. This is identify theft to house my information without my written consent. They also didnt respond to my invoice for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Truist was handling our loan for a new home, they were provided all paperwork requested in less than 24 hours of their request. They were provided all documentation proving origin of our funding, family intentions of funds being a gift and provided access to all financial accounts related to our funds. On XX/XX/2021 we received a call that our loan has been cancelled and that our paperwork was not proper. All paperwork was provided from them directly. Our loan officer advised us that their fraud department had gotten involved and that we were flagged for fraud and they could not help us. This was less than 24 hours before we were scheduled to close on a home we had already spent almost {$30000.00} to secure and could now be in breach of contract. We had reached out several times to the loan officer and the underwriter and we're reassured every time that everything was just fine. They requested we pay off our current mortgage with gift funds from our family as we " could not carry both '' and have since learned that not only was this a lie this is most likely what triggered fraud and caused the issue. Additionally we had to FIGHT with them to receive our appraisal for the home. This is an appraisal we paid for, to this date I do not believe they have provided appropriate documentation for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXXXXXX plus they did not provide me with the original application like I asked. 

Account No : XXXX XXXX XXXX : {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
On XX/XX/2021, I submitted the final payment to the Upgrade Loan Company to payoff an installment loan. The payment was for {$460.00} for the outstanding balance. The original loan for {$2500.00} was paid in full. 

On XX/XX/2021, Upgrade charged my checking account an additional {$100.00} for the loan. Upon making contact with Upgrade 's customer service center, I was advised that they had no record of the deduction and that I should contact my bank for verification. They were advised that the deduction was made by Upgrade and documented in my account. Upgrade requested that I provide them with a copy of my checking account statement showing the aforementioned deduction.

It should be noted that there are no options to provide such documentation of the Upgrade website. 

I have requested the return of the excess {$100.00} to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
See complaint # XXXX : " On XX/XX/2021 I initiated a transfer of funds, {$1000.00}, from my previous bank account with XXXXXXXX XXXX to Citibank Online. I had opened a checking account on XX/XX/2021 with Citibank Online. On XX/XX/2021 I had tried to transfer more money into the account only to receive an error saying that Citibank was not responding. Upon checking my email following the above, I filled out a documentation form requesting my drivers license and a proof of address. After this I called customer service for Citibank. I spent the next four hours speaking with various customer service representatives over the phone and using the chat function on the Citibank App. I was informed that my account had a hold on it for a {$0.00} transaction that was only visible to the customer service representatives, and not to me. Thus my account is under investigation for next 7-15 business days. With no way to resolve it. I was also told that I could not expedite the process, even though all funds I possess were in that account. I was also informed I could not transfer my funds out of the account, nor access them in anyway until the department was finished with the investigation. I was never able to speak with a supervisor or manager upon request to verify this information, though I requested to do so multiple times. My money is on hold for no discernible reason. I also was hung up on by customer representatives multiple times, and treated without care or resolving my issue. I was also refused the number of the team that would actually be resolving the hold on my account, being told that the " backroom team '' would be taking care of it. '' Above is my former complaint. 

I have contacted Citibank on XXXX via phone to get them to review my account documents. They have refused to do so, and have been unwilling to connect me to a manager.

I was connected to the Executive Response team late last week, around XX/XX/2021, and told they would help resolve my problem. This week, on XX/XX/2021 and XX/XX/2021, I have contacted both the Executive Response Team and the Fraud department with citibank. My account and documents provided have still not been reviewed and my complaint has not been meaningfully addressed. They have also gone beyond the 7-14 business days they promised my account would be reviewed within without making any progress whatsoever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OH Please see attached the response that I received from the debt collector HMC Group. It does not matter how many times I file a complaint against them by law they must respond to each and every point and dispute that I, the consumer brings to them. Being that they clearly failed to respond to the attached Affidavit of Truth, that was sent to them yesterday XX/XX/XXXX, the Affidavit stands at truth as an Affidavit that is uncontested, unrebutted, and unanswered stands as truth and the unrebutted Affidavit becomes the judgement in commerce [ United States v. Kis, 658 F.2d 526, 536 ( 7th Cir. 1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XX/XX/XXXX XXXX ]. Therefore as a consumer I am now demanding that HMC Group zero out the balance of this alleged account and delete any and all references to this alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I had a little over {$23000.00} in student loans when I graduated in 2017. Upon entering the workforce as a temp, my repayment plan was still paused until 6 months after graduation. When the bill started coming due, I was working 40 hours a week at {$8.00} an hour, which comes out to about {$1000.00} dollars a month. My rent was {$750.00}, my car insurance was {$200.00}, and any other costs of life added to more per month than I was making. When I requested an income based repayment plan in XX/XX/2017, all I could pay was interest. I was making no headway on my actual student loan bill, instead my hard earned money was going into the pockets of a company that had zero desire to offer me other solutions. They make money off people who can't pay their bills, it's predatory lending at its finest. This is absurd. I am officially down to {$18000.00} in total after consistently paying on them for 4 years. All I've managed to pay is a total of XXXX dollars because the majority of my bill went to paying interest on a loan I didn't know would be making money to wealthy CEOs. Fix this broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT .TO THIS DAY OVER 30 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET.I FEEL LIKE IM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES.SECTION 611 ( a ). IT IS PLANLY ATATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT.I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY, MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I and my financial advisor contacted XXXX XXXX  requesting to close out my credit card. XXXX XXXX  was the issuing bank for XXXX XXXX. On XX/XX/XXXX I made a payment of {$120.00} which reduced my balance to {$350.00}. My financial advisor pointed out that the statement dated XX/XX/XXXX disclosed that XXXX XXXX  charged me {$200.00} in fees and {$56.00} in interest for the year up to that point. My credit limit was only {$250.00} and I had not used the card to do any purchases in quite some time. My financial advisor also pointed out that the disclosure of interest of 29.24 % per annum on purchases was deceivingly displayed when in fact the finance charge was strictly calculated on fees that XXXX had been charging me. XXXX did not comply with my request to close out the account and continued charging excessive penalties and fees and eventually charged off the account XX/XX/XXXX and assigned it to Midland Credit Management. The annual percentage rate when factoring the fees is probably over 1000 %. Midland Credit Management has threatened wage garnishment and as new owner of the debt needs to justify why XXXX XXXX  refused to close out my account. My financial advisor is willing to sign an affidavit disclosing the date and person spoken to when I requested the closeout.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Please remove XXXX  account away from my credit file and send me a updated credit report showing the deletion please and thank you XXXX-XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX  account could you tell me as to why youre reporting a balance on my credit report I dont owe your company anything. Please update the account to XXXX  balance or remove from my credit report please and thank you very much! 

View full complaint Sent to company STATUS Sent to company on XX/XX/2021 We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response I show we have sent a deletion request to Equifax credit bureau to have any and all collection reports deleted from Mr. XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
Select Portfolio Servicing put a lender required flood policy on my account and will not remove. I have been actively trying to resolve this issue for one month. I have lived in the home for over 6 years, all with mortgages held by various providers, and have never been required to carry flood insurance. Select Portfolio Serving ordered a Standard Flood Hazard Determination Form what came back with flood zone AE. I provided the same form that was completed 2 months earlier during my refinancing that shows the property in flood zone X and flood insurance not required. The form does note that part of the property is in a flood zone, but all structures are not affected and not in the floodplain. This SFHDF is attached. I call Select Portfolio Serving weekly. I can never get the same person and each time I am told flood insurance is required with no further details. Despite trying to resolve the issue before that date insurance was required, I got nowhere with this company. They put lender flood insurance on my account and will not remove it or provide details as to how they are making this determination. My mortgage is being transferred on XXXX and I would like this resolved before the transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent the Transunion, and affidavit, cease and desist, exhibits, ID theft report, and a Invoice In XXXX, XXXX, and XX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation