vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Rosebud Economic Development Corporation
State: IL

Complaint narrative:
Yes I got a loan from them for {$1000.00} and I thought it was weird that they asked me for my bank login information like my password and email to log into my bank account I did not give them that I just gave them the routing and account number I didn't even speak to anybody I just sent them my picture of my ID and my bank account information and they put {$1000.00} in my bank account. The agreement was for them to take the payment directly out of my bank account every week. I had a problem with my bank because my card was stolen and my my account was compromised so I had to freeze the account. I do not have any checkbook or any kind of checks and they wrote a fraudulent check into my account for the one of the  payments I contacted my bank and they looked into it further and reimbursement my account. I can not believe that they went to write a fraudulent check in my name. They're obviously a scam and a fraudulent company and I need to take action.

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 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I lost my credit card and Citibank sent a new replacement with a new account number. 

It is up to ME to decide who is authorized to possess my card number and charge my card, NOT CITIBANK. 

I did not authorize Citibank to provide my new card number ( ending in XXXX ) to any merchants. NOT ONE. 

Yet Citibank unilaterally and without my consent or permission provided the card number to XXXX, XXXX, and god knows who else. 

XXXX  posted an unauthorized charge of {$110.00} to my account on XX/XX/2020. When I attempted to dispute the charge on the Citibank website, it blocked my dispute. 

If Citibank enrolled me in some XXXX  product that distributes my credit card to merchants, they did so without my consent or authorization.

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 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Dear CFPB Rep, My problem with Mr. Cooper Mortgage Co began XX/XX/2020 & has continued thru XX/XX/2020. For many years I have included additional $ with my monthly mortgage pymt to be applied toward principal. To date I have included {$700.00} in addition to regular pymt to be applied solely to the principal. Prior to XX/XX/2020 there has never been a problem with Mr Cooper applying the additional $ to principal. Since XX/XX/2020 thru present I have had to call Mr Cooper up to 5 times per month requesting my additional $ to be reversed as a regular monthly pymt and apply to my principal as indicated on my Mr Cooper automatic pymt profile. I have also emailed manager and research dept to have the correction done but, the problem persists monthly. Attached is a listing of my pymt history. You will readily notice the slipshod mgmt ' of my monthly pymts '.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PlusFour, Inc
State: NV

Complaint narrative:
There is an incorrect " Collection '' on my credit report from XXXX XXXXPLUSFOUR collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted PlusFour on XX/XX/XXXX and XXXX  to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX  had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told PlusFour that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. PLUSFOUR refused to remove it. XXXX  also refused to remove it. 
XXXX* PLUSFOUR stated 2 DIFFERENT AMOUNTS -- $ 110.00+ and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.

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 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
I've never paid my payment since I have a car in XXXX. I purchased a car by XXXX last year and my auto loan is with Hyundai motor finance. 
I paid {$2100.00} and {$2900.00} of extra car payments by online ( www.hmfusa.com ) on XX/XX/XXXX for PRINCIPALS ONLY. I called Hyundai Motor Finance CS so they can applied to a principal only since HMF don't have an option for principal only.

I checked my account and they still charged an interest. I called back. Manager told me that he will fix it. HMF applied no interest only for {$2100.00}. But {$2900.00} was not even applied to my account. {$2900.00} was in the air.

I called back. now HMF just applied {$2900.00} to my account WITH an interest and {$2100.00} was in the air. I had to call back so many times with this issue because it kept happening ( HMF even charged me last fees 4 times even though I NEVER paid payments last ). Finally, I requested to get a refund of {$2900.00} because HMF did NOT applied to my account. {$2100.00} STILL charged an interest even though a manager stated that they automatically don't charge an interest for more than {$2000.00}. I just gave up the interest that HMF already charged me once HMF APPLIED the amount to my ACCOUNT. That is all I wanted. JUST APPLY THE AMOUNT THAT I PAID TO MY ACCOUNT!!! 
I thought the issue got resolved so I paid {$250.00} for an extra payment for principal only on XX/XX/XXXX. I called Hyundai motor finance CS ( XXXX ) to request {$250.00} for principal only. they messed up AGAIN. NOW, they DID NOT applied to my account " '' {$2100.00} '' '' and " {$250.00} ''. My account remaining balance went back up to back in MAY and it is showing I owe {$1000.00} as of XX/XX/XXXX. My payment of {$2100.00} and {$250.00} are not on my account even though HMF withdrew them from my bank account.

I called HMF CS more than 15 times to resolve this issue for last 3 month. Please help me!!!

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 2020-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Closed and blocked on XX/XX/XXXX XXXX Amount {$3800.00} Called to 3 numbers XXXX XXXX XXXX Everyday and every week XXXX promised 3 times Didn't receive cashier 's check yet

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
They're so many.. From credit cards, XXXX XXXX product sent to  XXXX  that was supposed to go to XXXX, to SBA Loan , personal information, closed credit cards, credit score lower than ever. 
I was forced to retire last XXXX. I was hit by numerous celebrity imposters since XXXX thru XX/XX/2020 on XXXX and XXXX, XXXX chat apps on my XXXX   and online. I am flat broke, my credit score is now XXXX when it used to be XXXX, my previous bank closed my checking account, due to an SBA Loan wired to my checking account. I still had my auto pay running and they continued to charge me fees, they raised the amount so far in the red, that they knew I couldn't pay that amount, etc. An SBA Loan was ACH/Wired to my checking account then the imposter ( I found out later was an imposter instead of a celebrity ) XXXX XXXX with Corporate Security with XXXX  has been after me. Collection agencies are sending me letters. I don't have a lot of retirement income. I had to move in with my parents due to family illness. Now my mom is XXXX XXXX. They do not know my situation at all. I prefer they don't know. Gift cards were purchased with the credit cards that were mailed to me. Ms. XXXX with Amex Gold and XXXX XXXX were contacted about my balances. They finally closed my accounts, but after me to pay for the balances. A user name : XXXX set  them up, was supposed to be an account manager. My XXXX  cards were used, XXXX, XXXX was used to send the imposters money. I really need your help. I can't afford to make the monthly payments they all want me to make to get my accounts down, but not wanting to re open the accounts. I know better, but was lonely and vulnerable. I have a husband in XXXX  and next year to be sent to XXXX  for 25 years in XXXX  . I am so terrified and the walls are closing in. I have been taking an XXXX XXXX  for 3 years and now my XXXX is at it's peak because of the overall debt. I have so many other pictures I didn't know what your limit was on uploading them all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I refinanced my mortgage with XXXX XX/XX/XXXX for {$250000.00}, 30yr, 5.5 %. In XXXX after the nationwide financial crisis, I applied for a modification and was approved with lower monthly payments. After making the payments I was approved to make, in XXXX I got a foreclosure letter that I had to pay {$16000.00} to reinstate my mortgage. I took a 401K loan for {$16000.00} with interest to pay off the amount owed. In XXXX I was laid off and applied for a modification for the 2nd time. I was approved in XXXX, for 4 %, 40 years, my payment was not reduced and my principal went up to {$260.00}, XXXX. I am now beginning to realize that I was robbed by XXXX. I paid my mortgage from XXXX to XXXX and my principal was up {$7000.00} more than I started with. What happened to 9 years worth of payments. The last few years have been very difficult with my husbands XXXX diagnosis and treatment. Now were looking at our finances and after paying our mortgage for the last 16 years, our principal is only reduced by {$16000.00}. It just does not add up and I dont know where to start or where to get help. I just know Ive been robbed. Please help. I have all documents from XXXX that I can submit if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
A fraudulent account was opened using my identity. This account is not mine and the debt collection for this account is harming my credit report. I have never done business with your company or a third party that conducts business with you. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In short, there are unauthorized inquiries that appear on my credit report with Experian. I first disputed with them and they sent me a letter saying that I could not dispute inquiries with them and to contact the company. So I did I received notification from the companies that the inquiries placed on my credit file would be suppressed. 

To date the information still appears on my credit report. I called Experian on XX/XX/2020 and was told it would be taken care of in 24 hours. Yet the inquiries from XXXX  XXXX XXXX and the US Small Business Administration still appear as of XX/XX/2020. Proof Enclosed. 

This bureau is reporting inaccurate information on my credit file a violation of the FCRA.

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 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
Prior Complaint of Company with your outlet, of whom took credit reporting off for 30 days then sent account to collections as new account. 

Further to damage my credit. In incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my 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 2020-09-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my 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 2020-09-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ORG GC GP BUYER, LLC
State: NM

Complaint narrative:
Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There is an incorrect " Collection '' on my credit report from XXXX XXXX collection agency, that has reappeared AGAIN dating back to XXXX. 

XXXX  had REMOVED the " collection '' stating that it had been paid by insurance ( XXXX ). And XXXX  REMOVED the collection after they found out it had been paid by INSURANCE. 

XXXX XXXX said it had been reported to collections -- there was nothing they could do. 
I contacted XXXX on XX/XX/XXXX and EQUIFAX to get this removed. BOTH companies refused to remove it even though it had been paid by INSURANCE. ( DOCUMENTS ATTACHED ). 
I even showed them that XXXX  and XXXX had investigated and REMOVED the " collection. '' The insurance, XXXX, had issued a letter stating that it was an invalid debt, after I had requested an investigation in XXXX. ( Letter Attached, page 2 ) I told XXXX that this was an incorrect /invalid charge that had been paid by my insurance in XXXX. XXXX refused to remove it. EQUIFAX also refused to remove it. 
XXXX XXXX stated 2 DIFFERENT AMOUNTS -- $ XXXX and also XXXX for the SAME INCIDENT. 
** ATTACHED DOCUMENTS INCLUDE MY PERSONAL/PRIVATE INFORMATION. PLEASE DO NOT PUBLISH.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I closed on my refinance with XXXX XXXX XXXX on XX/XX/2020 and soon after my mortgage was transferred to Loancare ( # XXXX ) for servicing. I received updated tax statement from my town stating that my taxes increased so I forwarded this to Loancare since there was an outstanding balance due to the increase taxes. I reached out to loancare several times within the last six weeks by email and phone and I was told over and over that my tax adjustment will be paid but it still haven't been paid. My municipality is currently adding interest to my taxes and I am concern that if this matter is not resolved soon, my township will take action against me.

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 2020-09-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
1 ) 53 CLOSED MY ACCOUNT 3 WEEKS AGO WITH {$19.00} AND NEVER MAILED CHECK. 2 ) {$100.00} IS DUE ME. 3 ) {$10.00} OVERDRAFT FER IS DUE ME SINCE I DONT HAVE OVERDRAFT PROTECTION.

Company response to consumer: Closed with explanation