vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. 

The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. 

I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. 

This red box removed, permanently, is my request. 

Thanks, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
this time they sent XXXX at XXXX ext XXXX he stated I am the successor and he was sending me a packet in the mail to complete the assumption even though this has been done a few times this time it was for real??? I went to go see my home???? My home is completely destroyed- that code compliance when I called told me the owner is XXXX XXXX XXXX the highly recommended dependent administrator- whom with the ex-wife working with XXXX XXXX and XXXX trustees and select portfolio service who hired- XXXX- as charges on every single bill was for preservation, and the fact that the Code Compliance by XXXX XXXX on his sending a cleaning crew to clean up and they clean out my home of property and autos are all gone- and grand theft auto? every single file and computer device burglarized- and it makes sense why they prevented my return to my home- was because they had made it so unlivable- and demand they repair the damages and the cease and desist on the fraud acts of charges for services they never planned to do but only wanted to extort money viacariously to charge and make a fraud earning at my expense and losses- They took the laws into their own hands and trespassed, had others trespass without notice or warning of such destruction- They have extorted a vulnerable adult protected under ADA sec 504- as they deprived me the rights to have an assumption and modification- as it was used to run the clock and tally up a loss by their hand not by mine- and then want to tac it on as a bill I owe when in fact they owe me as the law states 3x my losses- I meed to file an insurance claim- not on the insurance I was paying for via the billing statements as this is fraud and corruption to ruin the structure of the home to bank on insurance- so need my home back to a home that is not a health hazard as it is for me and the public- I have been deprived of home and property by the court appointed administrator the liasons who viacariously are responsible for the gross neglect of the illegal acts of this dependant administratpr- as he never cared about the benificiaries just the forclosure- I demand Justice- I been complaint after complaint- still they do not care as its like too many people they have hurt one class action after another- please advise

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: Capital Accounts, LLC
State: UT

Complaint narrative:
Capital Accounts is reporting an erroneous debt on my credit file. This debt is not only past the statute of limitations and past the credit reporting limit but also PAID. I have included a screenshot of receive payment for the debt they are reporting. Even if this debt was not paid the receipt has the date for the last received payment, being that it is from 2010 this account should have never been reported to my credit file. I have perfect credit and this collection dropped my scores significantly. I need this debt removed from my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On multiple occasions, I spoke with Mortgage Representatives about FHA Loan Hardship options. I even spoke with a Representative about FHA Streamline options. I am on a fixed 5.25 % rate and have not missed a payment in over 3 years. PNC Home Mortgage Reps were not aware of the program and the refinance application ( draft ) that was submitted did not match what the representative advised me on the phone. After speaking with over 5 reps in 1 day, I was still denied any options. The representatives were dismissive, provided inaccurate information, and were rude. I voiced my concerns and was told I would hear back from a manager. Never received any follow-up. After speaking with XXXX, on XX/XX/XXXX about concerns related to my mortgage account and having access to it. She deleted all my security questions and removed my phone number, to finally discover on XX/XX/XXXX, that her actions prevent me from accessing my account PNC 's entire online account. A simple password reset has been extended to 10-14 days via snail mail to receive a password in the mail. This is after a wonderful Representative " XXXX '' invested 4 minutes into researching and trying every available option to assist me. 

This pattern of denying minorities access to decreased mortgage rates, and federal programs are the same issue PNC practiced in XXXX a previous class-action lawsuit- for overcharging and denying minorities access to fair lending. 

I have a copy of the Refinance/Closing worksheet provided by XXXX, that has the inflated figures ( including appraisal fee-appraisal not required ) and my response voicing my concerns and his dismissive response. 

Only after speaking to an XXXX American representative was I informed of a " Hardship Application '' option. This is after speaking with 7 other reps over a 3 month period. Of course, completing the hardship application does not guarantee a decreased interest rate, and surely doubt that minorities are given the option for reduced rates. This needs to be looked into because customers experiencing this poor service. In addition, previous reps advised the HOPE Assistance program may be able to assist with making payments. The HOPE Program does not assist Mortgage owners, in spite of customers experiencing hardships being referred, REPEATEDLY, to the HOPE Program. I completed the HOPE application in XX/XX/XXXX, interviewed providing documents XX/XX/XXXX only for my application to be denied in XXXX XXXX " due to no assistance for homeowners- RENTERS ONLY '' - never received any notification. I just happened to call to follow- up on my application status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
The lending institution is Citizen 's Bank, XXXX, XXXX XXXX XXXX, XXXX, RI In XX/XX/XXXX, I made a {$5000.00} payment on my car loan with the idea of paying off the loan ASAP. My monthly payments had been $ XXXX monthly. After, the {$5000.00} payment, I later learned that my monthly payments were reduced to {$58.00}, instead of continuing at {$160.00}, which made no sense. 

I had no inkling the payment terms had been changed until I called last week. I expected my balance to be close to being paid off due to the {$5000.00} payment and monthly payments of {$160.00}. I never changed my terms, never requested that my terms be changed nor did the bank inform me that my terms had changed from {$160.00} to {$58.00} dollars monthly. 

I spoke to a manager, XXXX, on XXXX XXXX, XXXX, Ref. No : XXXX and XXXX, on XXXX XXXX, XXXX, Ref. No. : XXXX. 

I calculate that {$1200.00} should have been paid to my loan had the bank not messed up changed the payment terms from {$160.00} to {$58.00}. I want things corrected. 

XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: FL

Complaint narrative:
I wrote Equifax on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Pentagon Federal Credit Union is advertising a low rate for a consumer automobile refinance and they arent honoring their posted rates. I applied and was approved, but they are claiming my credit score didnt meet their top tier of over XXXX. They pulled my credit, but wont provide me with the score. They claim it is below XXXX. I confirmed and paid for my credit score from XXXX, which is the agency that PenFed told me they used, and my credit score has been hovering around XXXX for over the past year and hasnt been below XXXX for quite some time. They refuse to prove the score they pulled and therefore are denying me the top tier low interest rate for the auto refinance loan. They have been extremely difficult to get in touch with and continue to keep me on hold for extenuating wait time often exceeding 30 mins and then ultimately not transferring me to a next tier agent or manager that can actually tell me what the score was that they pulled. I know it was in error and I paid for and uploaded proof of my credit score, but they still refuse to accept that evidence and will not offer me the low rate they advertise and that my credit score easily qualifies for.

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 2021-08-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Open in 2019 have no knowledge of account

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 2021-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
Received a letter thanking me for opening a Huntington Bank Asterisk-Free checking account online on XX/XX/2021 and stating : You may have opened other accounts at the same time, which are not listed here. 

I did not open an account or accounts, but was sent an ATM card for said account that I did not request. Emailed their fraud department, but no response. I dont know if this outside fraud or a situation similar to XXXX XXXX where unscrupulous employees are opening accounts to meet sales quotas. I had an auto loan with Huntington Bank several years ago that has been paid off for years and other than that no other business relationship. 

I live in Illinois and believe this bank operates primarily in Ohio. 

I want this account opening reversed with no damage to my credit report. I also want the bank to invest and notify me if any other accounts were opened. If they find this was the act of one of their own employees I want them punished and see if others former customers had accounts opened without their authorization. I would also like to see Huntington Bank put further safeguards in place to prevent this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: DISCOVER BANK
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FINANCIAL SER Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

13. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX  Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
My vehicle was repossessed by Ally auto company. They stated that I defaulted on my lone but they stopped taking payments in XXXX of XXXX. In XXXX of XXXX and again in both XXXX and XXXX of that year I was contacted by ally about a past due amount on my account witch I offered to pay in full all three months. All three time my payments offer was denied. They continued to take my monthly payments. Then suddenly in XXXX of XXXX they stopped. I didn't realize this until just recently. I had no notification that they were not taking the payments. On Monday XX/XX/XXXX of this year they repossessed my vehicle stating breach of contract for nonpayment. I have tried to contact them to find out what was going on and there reason for not take payments. I could get no answer after being transferred from department to department. It is apparently clear that the reason my loan went into default is there decision to stop taking payments. Not one person could answer why. When I got transferred the last time to the department I started with I was informed that suddenly I wasn't on the account.

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 2021-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
In XX/XX/2021, I was notified by XXXX XXXX of new account in collections. Prior to that, I had none. The debt of {$830.00} says it was opened in XX/XX/2021 and the original creditor was Continental Finance Company. I disputed the charge and they said, it's legit. 

Here 's the issue, I have no clue what the XXXX this is for, received no communication and even after the dispute, none of this has changed. I only have 3 credit cards, I think the oldest is 4 years old. 2 are with XXXX XXXX and 1 is with XXXX XXXX XXXX XXXX. So, if this is mine, not only did they break the law below, I still have no idea where this came from, when it really happened and why it's in collections when there were no late payments for any credit card servicer in the past 4+ years. 

The Fair Credit Reporting Act excludes from Consumer Reports, accounts placed for collection or charged to profit or loss whose delinquency date predates the consumer report by more than seven years. The seven year period begins upon the expiration of a 180 day period beginning on the date of delinquency of the account. The date of delinquency then, determines how long the consumer debt can be reported on a consumers credit report. The date of delinquency occurs on the date when the first payment is missed regardless of how long after the delinquency the creditor charges off the account to profit or loss or places the account with a collection agency. The date of delinquency remains fixed until the account balance is paid in full. This date of delinquency therefore, remains even when the debt is placed with a collection agency, assigned or sold. Neither the Charged Off date nor the date when the account is placed with a collection agency can be used as the date of delinquency on an account.

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 2021-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC
State: GA

Complaint narrative:
I am a natural person, creditor, and consumer stating from 15 USC 1692a ( 3 ). I'm reporting Identify theft under 15 USC 1681c-2 blocking information resulting from identify theft. I have never given written permission to XXXX XXXX XXXX to share my information with FMS Solutions. In violation to 5 USC 552a No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I've attached numerous violations from the contract they gave me along with the revocation of my signature from that contract.

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 2021-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
ZELLE. 
I used this via the XXXX XXXX App to supposedly pay for an engine ; i never received it due to the " company '' was a scam. Then the scammer used zelle to obtain {$850.00} twice and {$970.00}. I caught the second two transactions BEFORE they were processed and called XXXX XXXX requesting that they stop those transaction due to them being scam and was told that they couldnt stop it due to the money going through ZELLE. 
I have filed a dispute 2 times via XXXX XXXX, once as a fraud case, then as per the Zelle represented as a scam case. 
XXXX XXXX stated that the case was declined for repayment, even though XXXX admitted that it was certainly a scam ; and gave me Zelles phone number. 
I have tried multiple times to reach out to Zelle today to dispute this but can not reach a representative!!!! 
This is a travesty on how they conduct business. Basically XXXX XXXX states that Zelle will not repay my money, and I can not reach them, ( ZELLE ) thus they have aided the theives in fraudulently taking my money!!!!

I reached out to the company that I received a receipt from ; they told me that 3 other customers had called them that day with the same complaint. And MANY others had over the previous two weeks prior to my call.

This is a apparent scam to everyone except those that make the decision to refund the money!!! 
I have included a copy of the scammers receipt

Company response to consumer: Closed with explanation