vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-16 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: OK

Complaint narrative:
Early morning XX/XX/XXXX I received a call from the fraud department of my credit card company, Citi, that there was unusual activity on my credit card. The agent informed me that there were three charges at an AT & T store in Georgia for nearly {$1000.00} each. I let the fraud agent know that none of the charges were mine and I was told that all three charges would be removed, my account closed, and new cards shipped with a new account number. However, only one of the charges was removed from my account and the other two remained. It wasnt until a week later when I received my new card and went in to activate them that I noticed the charges had not been removed. I called the fraud department and was told that the original agent didn't notate that I disputed all three so the other two would be left on my account. After explaining the issue repeatedly, the agent finally agreed to remove the charges. Guess what ... same story, charges were not removed.. so I called again and spoke to another agent and same result. I also disputed the charges online and nothing. I dont know how I can be charged for something I didnt buy and I clearly told the original fraud department agent that I disputed all three charges ... I am a 20+ year cardholder and can not believe that I am being treated this way. I want the charges removed from 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 2021-04-16 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:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CNC MORTGAGE, LLC
State: MD

Complaint narrative:
CNC Mortgage LLC ( NMLS ID : XXXX ) pulled my credit as a hard inquiry without my consent. I never completed an application with them. I started an application on XX/XX/2021 and filled in some of the information before deciding to not continue with the application. I received an email on the XX/XX/XXXX asking me to finish my application, which I did not do. I received an email again on the XX/XX/XXXX asking me to finish my application, which I did not do. I never fully completed the application, nor did I ever click the button on their site that provides authorization for them to access my credit report. On the XX/XX/XXXX I received notification of a hard inquiry for my XXXX credit report and an email of pre-approval. All communication was sent by XXXX XXXX ( NMLS ID : XXXX ) from XXXX. I never submitted pay stubs, or bank financial information, no proof of income. I now also received a hard inquiry from XXXX on the XX/XX/XXXX. The actions of this company were predatory and extremely unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: I.C. System, Inc.
State: KY

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company 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 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I already filed CFPB complaint # XXXX against National Credit Adjusters ( NCA ) on XX/XX/2020 regarding a debt that I filed a FTC Id Theft complaint as well as other documentation. National Credit Adjusters lawyer XXXX XXXX XXXX, XXXX. responded with the attached letter stating " NCA has reviewed your correspondence as well as our records. We apologize for any inconvenience you may have experienced. In order to resolve your concerns NCA has terminated the account as fraudulent. This means that all collection activity on the account has ceased, the balance of the account has been zeroed out, and the account will not be sold or transferred. ". Today at XXXX I received a call from National Credit Adjusters again regarding this same issue. The representative stated that she was not sure why I received the call because her records showed the account was fraud. This is my final time asking NCA to cease and desist all debt collection activities related to Total Card, that NCA immediately remove all of my personal information including my phone number from their database and for NCA to cease and desist adding any detrimental information to my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: KY

Complaint narrative:
The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify, through the physical verification of the original signed contract. I am requesting for proof to be sent to me immediately upon receiving this letter. FCRA states to the credit bureau that if you can not send the proof such as wet ink contract that I signed with child support then you have to remove it off from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
After months on a forbearance due to covid 19 crisis, I applied for a loan modification to my lender in XX/XX/2020. After months of letters and requested documents back and forward with them ( I sent 68 set of documents requested ) I got a letter for them, giving me me only 2 options. Fist, sell my house immediately, second deed in lieu. 
No other option. I have more than 50 % loan to value in my house and a good credit score. I was told by their customer service that they are going to add my pending payments to the principal and I have to start making my regular payments

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 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
ERC is claiming that I owe them {$270.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. I reserve the right to file a lawsuit against your company for violating my consumer rights under the FDCPA Section 807-8 and FCRA Section 623-b. If required, I will sue your company for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC
State: CA

Complaint narrative:
This old account was closed in XXXX XXXX XXXX agreed to close it & they sent me to a debt collector. I paid {$140.00} of money i don't have i lost my wife in XXXX to covid 19 i am struggling to survive i want my {$140.00} back they had optioned # 1 so i paid {$140.00} money i don't have i don't deserve to be hassled by old debt collectors that still want my money from an account that was closed back XXXX i want my money back {$140.00} & take it off my credit report i paid it leave me alone stop sending me these letters I paid the optioned # 1 it was the only amount i can pay to get these people off my back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
This is in regard to my previous complaint XXXX. 

You claim that I violated your AUP and that you have the right to deduct un-realized damages of up to {$2500.00} from each violation. 

First, I did not violate your AUP. I did not transact or accept or request any gambling/raffle or " XXXX XXXX '' money using my PayPal account. 

I have tried to ask your customer service via phone and message center for details of your claim but they will not provide them. You have made it very difficult to obtain due process in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
My friend sent me a wire transfer of XXXX from his XXXX account to my checking account at XXXX XXXX on XX/XX/XXXX. The other day, on XX/XX/XXXX, someone from XXXX called me and asked what the description means. My friend thought the description is something like a memo line that I'll see, so he left " XXXX me '' which means " send me a XXXX message to me once you see this message ''. I understand this kind of message in the description is confusing and suspicious since XXXX is not a popular social media. I explained all details to the banker and he said that he will send the case to the escalation department for final decision. 

I waited for two days but no update on the account. I called customer service and they said there wasn't any wire transfer coming in. I started to wonder what's happening since I called the banker who first called me the other day but I failed to get in contact with him. And the number he used to call me was not the official phone lines of XXXX. I left him a message asking for calling me back. No replies again. 

Out of the consideration of something wrong is going on, I asked my friend to contact the XXXX  and got the fed ref number for my transfer. I visited the XXXX branch on XXXX XXXX and explained everything again. The bankers were pretty nice at that branch and they did explain that they're holding this transfer because of the description. 

What made me upset is : First, I got a phone call from a number which looks personal. I left him a message and also asked the customer service center to ask him to call me back when he's available. But I didn't receive any phone calls from anyone at XXXX. Second, I was always trying to explain everything and even provided information that I don't have to share with the bank. However, it's taking almost 5 days for this simple case. I spent a lot of time these days calling and visiting the bank, explaining the stories again and again. 

I'm feeling that I was not treated as a customer since I have to work hard on myself to get my own money but it seems to me that Huntington bank is doing nothing. Either to reject or release the money, it should not take this long as I have already explained everything to them several times. 

I attached the receipt from XXXX Hope this can be solved. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: OH

Complaint narrative:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - TOTAL VISA XXXX XXXX XXXX account is reporting a 30 late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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 have no idea any Equifax has a dispute open from XXXX. This needs to be resolved please : Confirmation number : XXXX Submitted XX/XX/2021 Under investigation Completed ( estimate ) XX/XX/2021 I also need the employers OTHER AND FLLGS REMOVED AS MY REPORT HAS THE OTHER CORRECT EMPLOYER LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I opened a savings account with hancock whitney bank last year in hopes of ordering kennedy halves on a weekly basis ... in which i was given permission to receive 2- 500 boxes a week for collecting ... i thought i had a very good relationship with this branch.. they worked with me appox 6 mos ... recently was told by XXXX XXXX  manager that she would no longer order these for me as i did not have a commercial account ... was very disappointed by this ... so i accepted my loss with this bank and this XXXX XXXX ... .this bank and all surrounding branches now will not accept any coin deposits at all thanks to the XXXX XXXX lady manager and her boss who ever he is? they reported to the other branches to not to do business with me at all ... was told that my account will be terminated ... my letter is in the mail from them stating this ... my biggest question is why stop me from depositing coin into my account? ... .P.S This Account was for my XXXX  year old nephew he is now heart broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: CA

Complaint narrative:
I dispute a collection on my credit report with experian. I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and Experian removed them with no problem. Now I have the last collection that I have paid and wanted removed and Experian will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.

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 2021-04-16 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: GA

Complaint narrative:
I noticed accounts this month that I do not consent to, authorize nor benefit from any of the following inquires. Block and remove them.

Pursuant to FCRA 15 USC 1681. 

All of these accounts are in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/XXXX I entered my XXXX XXXX XXXX application and notice that my funds have gone down by just about {$3000.00}. I go to check my activity and it shows that there has been two recent transactions, one for the amount of {$1900.00} and the second one for the amount of {$990.00}, both of these transactions carried out by Western Union. The next thing I do is Log in to my western union account and as soon as I do that and check on my recent transfers, I notice a third transfer was in progress for another {$1000.00}. Luckily I stopped that last transaction but I couldn't cancel the two earlier transactions totaling to {$3000.00}. 
First thing I do is check where the money is going, it shows XXXX and the money is being sent to two different names. At this point I knew my account was hacked or my information to my account was leaked because I never in my life sent money to XXXX and I don't know any of the names the money was sent to. the names weren't saved on my account. I immediately called Western Union to report my problem and my account was closed immediately. i was told that there will be an investigation but its most likely that my money will not get refunded because it seems that I logged into my account and made the transaction myself. Plus they also told me that there is no sign of a hack or any other entry into my account. I explained clearly that I have no relatives in XXXX and that I never send such a big amount. They still told me its most likely that I will not get my money back. I proceeded to call my bank and report that transaction as unauthorized. A few days later I was told by my bank that this kind of problem has to be Solved and Refunded by Western Union because my money was taken out by Western Union. I was then referred to call Consumer Financial to help solve this problem and hopefully get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I dispute a collection on my credit report with XXXX I wanted the collection removed from my credit report because it was paid. I had requested several other collections removed as well and XXXX removed them with no problem. Now I have the last collection that I have paid and wanted removed and XXXX will not remove it and they do not give a reason to way it is still on my credit report. I have requested several times and now someone who works in the dispute department has put a block so I can not dispute the collection with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was contacted by cashapp support explaining that I was in violation of terms and conditions. I have {$130.00} on that account and do not have access to it. I would like my account to be reactivated or atleast be able to get my money that is just sitting there. I have bills to pay with money Im not able to have access to. It would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I was issued a XXXX XXXX XXXX  credit card in XXXX of 2021. After never receiving a physical card, I called XXXX XXXX times asking to resend my card, each time I called they told me they would send another XXXX and never once mentioned there was an issue verifying my identity. They then cancelled my card, without notifying me, and closed my account- greatly affecting my credit score. I am a XXXX XXXX XXXX college student and I have worked very hard to get my XXXX XXXX very high- I had it at almost a XXXX. It has since dropped significantly. AMEX admitted fault, and told me that they would love to give me another card and open a new account. Others told me that they would Re-Open the card so it doesnt affect my credit, but then they hang up on me. I now have a {$1200.00} bill they want me to pay after they dropped my credit score by closing my account and admitting fault. I would like to re-open the closed account so that I can pay off my credit card with them and not have my credit score be affected by XXXX XXXX negligence. I hope you can help! Thank you!

Company response to consumer: Closed with explanation