vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: IL

Complaint narrative:
So I signed up for this Direct Express Card to receive my benefits. But the method to login to my account presented problems. I did fix the login issues with the rep. But due to the old DE website, was unable to further login to check, update information. I'm trying to reach out to the SSA to change back to my old bank. I don't recommend that anyone received social security benefits use Direct Express due to frustration with getting online to view accounts and fees ridiculous. Local banks are better to use from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
Rushmore Loan Management has certified figures as correct & true to the NJ courts, while helping secure a Final Judgment. However it is clear they used CREATIVE Accounting and used made up figures and wrong dates. This Foreclosure complaint is wrong from the start to the present & new recent evidence leads us to strongly believe that fraud has also been committed to secure a Final Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: FL

Complaint narrative:
Im really disappointed! I pulled my credit report ant I see no changes! I sent you complaints before that I have no idea where these accounts came from! Im sure that someone hacked my personal information

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 non-monetary relief
Consumer complaint received 2021-12-08 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$480.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
this debt is not mine was not authorized by me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Over 1 year ago, I opened a Costco XXXX Card issued by Citibank because they were offering a 2 % cashback reward. 
I paid every single charge the following date whenever the charge was shown in the online statement. I did not need any financing. The only reason I opened the account was to collect the rewards. 
The account had a limit of {$6000.00} but doing my payments that fast I was able to charge to the card an average of {$25000.00} monthly. 
I usually do the same with all my credit cards. I repeat, I dont need any financing. 
As you can see I was a very desirable client. 
On XX/XX/XXXX, Citibank closed my account stating that I opened many account lately. 
My complaint is that they confiscated all my accumulated rewards for a total exceeding the {$6000.00}. 
As you can see, I did everything possible to keep my account in good standing but they found a reason to steal all my accumulated rewards. 
The same day, they also closed my Best Buy XXXX account where Citibank confiscated my {$2000.00} in cashback rewards. 
I called Citibank and they told me that they have the right to cancel my rewards because the accounts have been closed but I didn't do anything wrong to have my accounts closed.

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 2021-12-08 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: FL

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 non-monetary relief
Consumer complaint received 2021-12-08 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: IL

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: MD

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXXBalance Owed : {$16000.00} XXXX XXXX  XXXXBalance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$480.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX Balance Owed : {$24000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance Owed : {$980.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$2300.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: WV

Complaint narrative:
Disheartened in Loan Depot. Poor communication and not knowledgeable. 
My husband and I are both retired educators in WV. Recently, we had pursued a mortgage loan with Loan Depot. None of the Loan Depot or Mortgage Connect Title reps knew what was needed, or when they did determine what was needed, could effectively explain in a timely nature what document we needed to file at our Court House pursuant to the closing date. My husband and I worked fervently with XXXX and XXXX at the last minute to have the correction made once it was determined what the Title Company wanted, but filing of this at the court house was six ( 6 ) days past closing date. We asked Loan Depot to extend the closing by one week as the breakdown was their knowledge of the situation at hand and inability to explain what was required. Initially and three months prior to closing, Loan Depot, XXXX precisely, knew nothing of what Mortgage Connect Title needed and most of the time would not return calls stumbling around with information that was of no relevance at all causing more delay. We went straight to Mortgage Connect and their agent was ineffective as well. We finally had an exact answer from XXXX but it was just a few days prior to closing and not enough time to file the document at the Court House. Loan Depot WOULD not extend a one week closing date for us at our request. We are sorely disappointed in how this was delayed simply due to not having the information we needed from them timely enough to move this forward. We are talking three months. Additionally, I forwarded much the same information here to Loan Depot 's CEO, XXXX XXXX just today. Thank you for listening to our concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: TN

Complaint narrative:
I entered into a contract XXXX with XXXX in XXXX, TN placing my home in reverse mortgage. All went well for some years. The contract was then sold to XXXX XXXX and continued to do well. The problem begin with the contract was sold to another company which is the current company I'm dealing with now which is NOVAD Management Consulting LLC ( 2015 ). With the previous companies prior to NOVAD, I received monthly statements indicating the status of my contract. I stopped getting statements from NOVAD mid year XXXX. Many attempts were made via phone calls and letter to try to get information on what was going on with my account. I will attach a copy of the letter sent to NOVAD requesting information - but never got a response by mail or call. NOVAD statements has information about " Set Asides '' costs- never explained what it is. After speaking with a NOVAD representative in XX/XX/XXXX, I was told that its possible that the reason for not receiving statements was for non-payment. 
I need answers on the status of my account and documentation that they paid six ( 6 ) months worth of taxes. Taxes in XXXX XXXX XXXX XXXX are not paid monthly only paid annually. They never paid any taxes- they never showed me any proof- nor did the Tax Assessor 's office only shows that I'm the only person paying taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
HSBC premier Credit Card. 

I receive monthly statement hard copy almost always less than two weeks before DUE DATE. I have to online check payment every month before receiving the hard copy of the statement and send a check to HSBC. 

However, starting XX/XX/2021, HSBC website does not allow to review monthly statement, including current payment and previous monthly statements if a customer chooses receiving hard copy of monthly statement. 

Only person who chooses E-Statement-Only can online review monthly statements. 

HSBC is trying to force costumers to choose E-Statement-only by providing better and convenient services to them. It is a discrimination against people who would not choose E-services only. 

XXXX XXXX, MD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX I made an in store purchase at the Best Buy store in XXXX, CT in the amount of {$540.00}. I was assisted by a Best Buy associate for this in store purchase. After ringing up all of my purchases I was advised by this associate that if I opened a new Best Buy credit card I would earn a {$50.00} statement credit as a promotion for becoming a new Best Buy credit card customer. I asked if I could pay the credit card balance immediately in store and was advised no, that I would have to wait for my first statement but that the first statement would reflect the promotional credit. I did not have any reason to believe this was not true, so I proceeded with the transaction. Recently, I received my first bill and I noticed right away that the promised statement credit was never applied to my balance. Today, Wednesday XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone trying to get resolution to this issue. I can not get through to anyone via phone at the XXXX, CT location. When I called XXXX ( the phone number on the back of my new Best Buy credit card ) I was transferred a total of 5 times with the final transfer resulting in a XXXX minute wait on hold until I finally gave up and hung up. Best Buy customer service told me I need to speak to Best Buy credit card service about the issue. I was transferred to credit card services who told me I need to speak with Best Buy rewards about the issue. Best Buy rewards tried to transfer me back to credit card services at which time I explained to them I had already spoken to credit card services. I was then transferred to an international customer care representative who put me on hold repeatedly, kept apologizing for her poor internet connection, and ultimately had no idea what I was talking about. She kept asking for my order number. I explained to her that this was not an issue with an online order it was an issue with a credit card statement at which time she placed me on hold for the final time and never came back. So I hung up. I am furious, I feel as though I was the victim of deceptive marketing and sales tactics by Best Buy. Many representatives told me that the in store associate must have been confused, and gave me bad information. I understand that this is a possibility, but I do not believe that it is my fault. I believe I am due the credit I was promised and that Best Buy has a long way to go in the customer service arena as my experience with them today was terrible. I am happy to provide any further information needed by CFPB.

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 monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
Ally Bank closed my account with no notice and has not sent me a refund for the money I had inside ( ~ {$3000.00} ). They claim to have sent a notice ahead of time, but I have a log of every mail delivered to my address and determined their claim to be untrue. I called them asking for my money back, and they said that they did not yet mail a check. I asked them if they could call me back and provide a tracking number, and they said yes. It's been several days, and they have still not sent my money.

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