vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Mr Cooper will not grant further forbance, and now my payment is through the roof. Im a XXXX veteran on fixed income and wife still not working due to Covid. I can manage my original payment, but nothing further. Mr Cooper will not work with me and I feel that it not right since President Biden has extended forbance and i have a VA loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Carvana Group, LLC
State: VA

Complaint narrative:
I was told that I was unable to get a loan through Carvana because of my job, not because of my income but because I am an XXXX XXXX. I had gotten a car loan from them a year previously and I was approved and now they say they dont give car loans to ride share drivers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2021. To date, it is 60 days later and I have not received a response yet. I am now beginning to feel like my disputes are being ignored and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems is trying to collect {$1000.00} from me through XXXX. It was from a cell phone & plan purchase in XXXX of XXXX. After a month I sent the phone back & closed the account because the service was horrible & now its in collections when it shouldnt be starting in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have tried to stop all marketing and solicitation from credit card companies. for the past three years i have been trying to repair my credit. part of my program was to stop credit card companies from soliciting me. During the process, i also asked not to be marketed to using the direct marketing opt-out. 

I have tried to get American Express to stop trying to sign me up for new services. I have tried to work with American Express on several occasions. I have been determined to be ineligible for my requested service. American Express says i am not eligible to use there business Gold travel rewards card. I was also declined for their XXXX sponsored credit account. American Express explained there reasoning and i asked not to be marketed too. This was not only American Express this is all credit card offer. 

About one or two years ago i asked to discontinue marketing and solicitations from American Express. I made this request using an XXXX  opt-out request and a credit card marketing opt out and a direct marketing opt out. most of the solicitations have stopped, although American Express continues to solicit my business. I have even gone as far to add my email addresses to the opt-out. American Express still ignores my request. 

American Express continuing to ignore my requests puts my credit rating at risk. by not having marketing and solicitations i am less likely to apply for new cards. this makes my inquires lower and this improves my overall credit. I have spent a great deal of my own money to improve my credit. I have also spent a great deal of time to improve my credit file. I take offense to the fact that American Express refuses to follow the rules about marketing to me at my addresses ( including email ) I am very tired of seeing American Express advertisements in my email and mail box. I have asked in what i thought was the most civil way possible not to be marketed too. I continue to receive these marketing efforts. I believe these actions are illegal and i also believe i am entitled to restitution or restorative or liquidated damages for duress this causes. I have asked to be left alone. I do not want to be contacted for anymore marketing materials.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
It was a debt originally from XXXX XXXX XXXX company Now owned by Credit collection services date XX/XX/2020 amount {$330.00} what happened was I Uptained automobile insurance from XXXX XXXX and because of a mistake they made they tripled my insurance rate and all this during covid 19 which I lost my job and told them I can't afford triple the amount and let them know I was canceling service because I lost job and couldn't afford triple the amount because they made a mistake they said ok and that was that then they put it on my credit which I have disputed and get no response please have them delete this from XXXX  XXXX  and XXXX  thank you so very much how can an insurance company sell this to a collection company during covid19 its not right and destroyed my credit please help me the company is CCS Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX ... phone number XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I have called the company several times, Banco Popular of Puerto Rico due to a returned wire transfer. 
The original amount was for {$1300.00} on XX/XX/XXXX. I was charged a {$50.00} wire transfer fee for the amount. Totaling {$1300.00}. The agent helping me XXXX XXXX XXXX XXXX '' XXXX The bank told me that the information was incorrect so they returned the wire. I spoke with a bank supervisor XXXX XXXX XXXX XXXX XXXX He told me the recieving bank, XXXX XXXX  said the information was incorrect on the wire. so they returned a total of {$1200.00} back into my account. 

There is {$110.00} missing from my account. I was told there was a {$50.00} fee to send the wire. Leaving {$60.00} missing from 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 2021-04-06 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: NY

Complaint narrative:
I mailed correspondence asking for investigation into information on my credit report on XX/XX/2021. I have not received a response from Equifax. I followed up with a letter on XX/XX/2021. I have received no correspondence from Equifax regarding this request. 

I sent the same request to XXXX  and XXXX, specifically requesting they show me the method of verification and send me the proof they retain that shows the reporting meets FCRA requirements. XXXX  and XXXX  both verified that the information was accurate but have not provided any proof showing me how it's accurate. I sent certified mail to both bureaus that XXXX  received on XX/XX/XXXX and XXXX  received on XX/XX/XXXX. Neither bureau acknowledged receipt of this letter that specifically says they did not honor my request of proof of the information reported on my credit report. On XX/XX/XXXX I sent a copy of my credit report showing specific items that I highlighted and explained why or how they are reporting erroneously that they had previously " verified as accurate. '' I asked that the accounts be deleted from my report as they are not permitted to report false information. 

I can provide specific information about the accounts that I believe are reporting erroneously upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: KEYCORP
State: OH

Complaint narrative:
In XXXX, I received a notice stating that I failed to perform according to the terms of the loss mitigation option provided. I was conditionally approved for a mortgage modification and my loan was to be modified after successfully completing XXXX, XXXX and XXXX payments. When I called to make XXXX payment I had funds sitting in suspense. I was advised that those funds could be applied to XXXX payment and was given the balance to pay. I paid the XXXX payment minus the suspense balance and I paid XXXX and XXXX payment in full. 

I called Key Bank for 2 months to check the status of the modification and was finally told that I was misinformed by the representative and that XXXX payment should have been paid in full and I would be receiving a letter stating I failed to comply. 

I requested an appeal on XX/XX/25 and received a written response stating that my appeal was under review. I have yet to get a decision or anything in writing on the appeal. I call Key Bank today, asking for the status of my appeal and I was told there isn't one and my only option was to request another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX I made a payment of {$530.00} to my credit card. The payment was received and shows as received on the statement and it additionally left my checking account. The Payment was placed on a " PYMTMONYHOLD ''. I called in that day to inquire as to why the payment was on a hold and the representative told me that they needed information from my other bank. I then called my other bank and they informed me that the money was transferred to TD and left my account so there was nothing to be done on their end. I called again on Thursday and spoke to a different representative that informed me the previous rep had lied to me about why the payment was placed on a hold. She told me that the payment had in fact been received and they were not waiting on any information from my bank and that the payment was simply on hold and would be released in 7-10 business days. My mother then informed that my line of credit and cash should not be tied up if I did indeed make the payment and the payment was received. I called again XX/XX/XXXX and spoke to " XXXX XXXX '' who could not answer any of my questions as to why the payment was on hold. He also refused to let me speak to someone higher up and simply repeated the same information I have on my credit card statement that it is a " Payment money hold ''. I make payments from this account every month and my money has only ever been " held '' twice. Before I did not know that they had a responsibility to release funds upon receiving payment, but now that I do feel taken advantage of because I am now without cash or a line of credit. My payment is also due by XX/XX/XXXX and they are holding my payment until XX/XX/XXXX and have essentially frozen my account until the next payment cycle, and has also left me with limited cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2019 my bank account was closed for no reason at all without sending me a letter or an email not even a call and I never knew the reason why I cant open any new bank accounts in any bank company because of this problem that Iam having Im a victim of identity theft and I dont know why Ive been trying for the past 2 years to open a new account and Ive been trying my best to see what the problem is for I can solve it and get direct deposit and now that Im working I dont have no direct deposit no bank account nothing

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 2021-04-06 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:
Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.

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 2021-04-06 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: NY

Complaint narrative:
Ive downloaded my annual credit reports and find inaccuracy in your reporting. You are obligated by the law to report accurate information in my credit reports. Because you are not reporting it's accurate I am asking to remove this totally incorrect account. I attached part of all three reports so you can find your mistakes and delete an account. There are mistakes because I found a letter from the bank with explanations about this 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 2021-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WELLS FARGO BANK WON'T LET ME ACCESS MY SAVING ACCOUNT WHEN I TRIED TO DEPOSIT CASH IN THE ACCOUNT THE REFUSED TO ACCEPT CASH AND TOLD ME TO GET A MONEY ORDER. WHEN I CAME BACK WITH A MONEY ORDER THEY REFUSED TO ACCEPT IT AND WOULD NOT TELL ME WHY. ALL THEY SAID WAS MY ACCOUNT WAS FROZEN.

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 2021-04-06 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: AZ

Complaint narrative:
On XX/XX/XXXX, I personally purchased airfare for a close friend as her Dad had a XXXX XXXX. This was a loan and she agreed to pay me back. At the same time I was grieving as my husband of 30 yrs had passed away after a two year battle with XXXX. As he handled all the bills, I was lax on reviewing my citibank statement. I spend $ XXXX a month on the card so approx. a XXXX charges per month. In XX/XX/XXXX, I noticed my payment was close to $ XXXX so I investigated. I found fraudulent changes dating back to XX/XX/XXXX. Upon further investigation, I traced all these charges of {$29000.00} to this same close friend. When I confronted her, she tried to say it was all a mistake. I realized she had taken my credit card from my wallet and copied the information and used it to pay her Utilities, her food, and fake invoices for her XXXX business knowing I was grieving and taking advantage of that. 
I contacted Citibank and noted each charge as fraud through the website. I was credited {$7500.00} quickly while they opened up an investigation. This was pretty much one credit of a fraud charge in each category. I was told by Citibank to file a police report, which I did and provided Citibank the report number. This is where all the XXXX began. I called weekly to get status on my claim and got the runaround as spoke to numerous Customer Service Reps who could not provide any updates. Suddenly, my case was closed with an email letter sent to my Citibank inbox without me knowing. Citibank stated that their investigation showed that this friend was an authorized user and denied my claim. Note : Citibank would not allow me to send any of the attached files. I was also told that the investigator never contacted the Police Dept. to get a copy of the fraud report. I have attached all files provided in the police report. 
Note : As they denied my claim, Citibank still credited me {$7500.00} which does not make sense as they denied my claim. I even mentioned this to the last Customer Service Supervisor I spoke to and she said it looked like different departments were not communicating.

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