vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today it's over 30 days since Ive sent disputes dated XX/XX/2020 but there's still no reply. But I haven't received any reply. I was a victim of XXXX  Data Breach. I demand to delete those inaccurate and unknown accounts or I will file litigation.

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 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/2020 someone named XXXX XXXX was able to log into my account and transfer {$470.00} from my account to her. I dont know who that is so I did a unauthorized transfer through Chimw and they denied me. I even did a police report and they still keep denying me and saying there was not an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Following complaint # XXXX with TD bank, the company has yet another tactic they've used in the past to silence underprivileged, XXXX, youth Americans by threatening an account closure and not necessarily saying the reason it's for. TD Bank claims they have the right to close my account at their own discretion. They never warned of any wrongdoing, other than too many transfers from my savings account to my checking in order to not overdraft. Being that I was recently a victim of a gas station skimmer attack on my personal debit card, TD Bank claims representative presumingly knew that was a likely event from the same {$100.00} charges from gas stations in other different areas in where the county I live in. This continuous behavior from a national bank on treating XXXX consumers with no protected rights has been a long issue within the financial industries in America. This is a discriminatory tactic TD Bank has used against me, and I am asking the CFPB to help fight back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
NewREZ LLC NMLS # XXXX mortgage company is purposely procrastinating with paperwork to further the financial harm to its client. filed to refinance using an Irrl loan through the current mortgage company in XXXX XXXX now after 3 months of being told just wait everything is good. now the loan can't qualify for the IRRL program because I had a late payment for XXXX and it was also time to make XXXX payment. I specifically have correspondence where the loan officer wasn't helping me. Quite a few unanswered emails on specifically asking about the process and what about the XXXX payment? I was again told not to worry the new loan was processing then poof! she vanishes. I have a new loan officer telling me that I need to make those payments to proceed with the loan. So I make them then a week later I'm being told since I had a late payment now the loan couldn't qualify. XXXX! My loan has been current with this company since they have managed the loan. I believe that the company is not working refinance loans in a timely manner to accrue the higher rate payment for as long as they possibly can. This in turn has put financial strain on my family. This has hurt me mostly financially but has also now blemished my credit rating. Had I not been smart enough to put my XXXX in XXXX payment in the bank I fear that would have been the beginnings of me losing my home, due to a foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I received an alert on my credit report that a card had been opened through Capital One Cabela 's. I had not applied to Cabela 's for an account and it happened twice. i contact Capital one and they said they are taking care of the fraud. suggested I report this issue. I also received a letter in the mail Department of Labor with a fraudulent Unemployment Claim being filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: PA

Complaint narrative:
Currently, I am seeking the return of {$8400.00} as well as any access monies that have been charged because the city of XXXX returned over {$9900.00}. Additionally i am requesting that the late fees charge for XXXX and XXXX be removed from my account. The supporting documentation, one which is an actual letter from TMS stating that there were no fees being charged and no payment due ( COVID related ) has been submitted. Additionally, the loan was entered into Forbearance in XXXX. 

I have email XXXX XXXX, who typically responds to these complaints but I am flooded with misinformation when I call this company. So much so that I have began to record my interactions with the representatives. I requested an escrow analysis and audit on the account that dates back to the periods which were supposed to be tax exempt. My biggest concern is TMSs allocation of money to their corporate account. This seems unethical and unprincipled. I would like to additional money I paid returned to me. 

I have never received a return call from 4 representatives who promised to make the necessary changes associated with the erroneous late fees, the removal of the forbearance and the return of the funds owed back to me. The city of XXXX conformed that the check was cashed by TMS. Additionally, i am owned approximately {$14000.00} in over payments. 

I will escalate this complaint to the Department of Veterans affairs, my Congressman and the Attorney General if this resolution is not accompanied by an actual audit of this account. The payments should have NEVER exceeded {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I HAVE HAD A CHANCE TO CAREFULLY REVIEW MY CREDIT FILE AND I CAME ACROSS SOME DEROGATORY ACCOUNTS THAT IS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS HAVE NOT BEEN AUTHORIZED BY ME. THE ACCOUNTS DO NOT BELONG TO ME AND IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-12-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I ask company to validate this debt they couldn't there reporting illegal activity on my credit report they sent me a contract with someone address on it that does not belong to please delete this account for reporting inaccurate and false information and I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have repeatedly disputed this Capital One account that continues to exist as an outstanding balance on my credit report. Capital one and XXXX XXXX XXXX refuses to correct this issue.They are only concerned with getting the money but is not concerned with correctly reflecting the accurate information on my credit report. 

Capital One referred my account number ending in XXXX to XXXX XXXX XXXX. XXXX assigned a different number to this account XXXX and I paid this account in full to XXXX XXXX XXXX on XX/XX/2020. 

XXXX only reported to the credit bureaus that the collection account was paid in full, not the Capital One account with the original number ending in XXXX. XXXX never reported to Capital One that this account was paid or maybe it did and Capital one refused to update to all three credit bureaus that this account has been paid in full. The account has two different numbers, one resides with Capital One and the other with XXXX XXXX XXXX but this is the same account. 

I have attached the documentation that this account has been paid in full from XXXX. I called Capital One last month and they assured me that they would get this taken care of and will collaborate with XXXX XXXX XXXX that this will be taken care of. It never was. My credit report from all three bureaus is unfairly and inaccurately showing that I still have an oustanding balance with Capital one with the account ending in XXXX and this is incorrect. This account has been paid in full with XXXX XXXX XXXX. I have also attached how this account appears on my XXXX credit report. This is laziness, unprofesionalism and unethical behavior on the part of Capital One and XXXX XXXX XXXX to refuse to correct this on my credit report. 

I also called XXXX XXXX XXXX  last month and told him that XXXX had assigned a different number than what Capital one had one file and they are only reporting for the collections account. The beligerent, hard-headed man that I spoke to refused to listen to me and insisted that there was only one number assigned to this account and it was the account number originally assigned by Capital One. 

Please impose penalties on both of these companies for violating the provision of the Fair Credit reporting act for failing to report accurate information to consumer credit reports and enforce them to update that my Capital One account has been paid in full because the collections account by XXXX XXXX XXXX and capital one account are on in the same. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Ths regards XXXX XXXX credit card XXXX MASTERCARD/CBNA XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
- XXXX XXXX : I applied for a re-finance of a mortgage that was currently serviced by BB & T. The loan officer handling the request was XXXX XXXX ( NMLS ID XXXX ). I expeditiously submitted all financial information requested. 

XX/XX/2020 : XXXX told me that as a part of my approval process, I would need to submit a 60-day ledger of my checking account activity in order to apply a monetary gift ( from my family ) to the approval process. 

-XX/XX/2020: XXXX XXXX loan processor sent me a notice ( via email ) that my re-finance had been submitted to underwriting -XX/XX/2020 : After hearing nothing from XXXX for weeks, I told him if my re-finance could not be approved by XX/XX/XXXX, I was no longer interested. Other financial institutions were processing re-finances within 60 days, so I was more than patient with an almost 90-day time period from XXXX/BB & T with no resolution. 

XX/XX/XXXX : I emailed XXXX 's processor ( XXXX XXXX ) that I was no longer interested in the loan since it had taken so long. XXXX immediately emailed me back and I confirmed with him that I would like to end the loan process. He confirmed with : " OK, have a good one ''. 

XX/XX/XXXX : I received a " Statement of Credit Denial '' from BB & T dated XX/XX/XXXX. I called XXXX because, as he indicated to me, the loan application had been withdrawn so I was confused. He mentioned that my credit was denied because a gift letter was not attached to the application, and at that same time he confirmed that my loan had been withdrawen. 

... ..so here is the complaint : 1 ) XXXX did not tell me a gift letter was required by compliance for approval. He told me a 60-day checking account ledger " would work '' ( email attached ) If I had been given the correct information at that point, I would have immediately withdrawn the loan. 
2 ) XXXX did not tell me, when I requested the loan application be withdrawn, that it was essentially too late because at that point it had apparently already been submitted for final approval. 

XXXX 's actions and lack of information ( or false information ) have harmed me because by " denying '' me credit ( for a loan I no longer wanted ) can harm my credit rating and ability to receive favorable consideration for future credit applications.

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 2020-12-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I pull my credit report and found out that RMP LLC : ORIGINAL CREDITOR : XXXX. XXXX XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The RMP LLC, did not response with in 30 days. By not replying in timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of XXXX, XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in XXXX XXXX XXXX XXXX XXXX, No.XXXX XXXX XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ths regards XXXX Master credit card XXXX MASTERCARDXXXX  XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've contacted Transunion and XXXX several times. Including both mail and via phone. I have complain about several inquires on my account that I did not make. I was a victim of identity theft and they have not removed them. 

The Transunion accounts include : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The XXXX  Accounts iInclude : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I originally contracted and booked a trip with XXXX XXXX for XX/XX/XXXX. They debited {$4600.00} from my account on XX/XX/XXXX. On XX/XX/XXXX they informed me they would not be moving forward with my trip and that they would not be refunding my money. 
Per their contract if they did not give notice of 40 day or more the client ( myself ) had the right to request a refund or a future date. I requested a refund of which they declined to give me back my money. This was in XX/XX/XXXX. I at that time disputed the charge with Citi Bank. I was denied my claim because XXXX XXXX said that they were rescheduleling my trip to a future date of XX/XX/XXXX. 

On XX/XX/XXXX from XXXX saying they were NOT going to give me my money back, they were NOT rescheduling my trip and that they were going into bankruptcy. I then went back to Citi to reopen the dispute and appeal as XXXX did NOT do what they promised. 

Citi bank has now for the XXXX time denied my claim even though if the service was for a future date they are suppose to honor it and re open this dispute.

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 2020-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 and 60 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2020-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a letter from a collection company ( Jefferson Capital ) that informed me an account from XXXX was sold to them with a debit owed in the amount of {$2800.00} in my name from the year 2017. They could not give me any specifics about the amount other than saying it was an overdraft and redi reserve. They referred me to contact XXXX at XXXX XXXX whom I called and was told to contact another dept at XXXX XXXX. I called them and got no more information about this. This is the first time I have heard of anything about this. I never had anything to to with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Professional Recovery, Inc.
State: IN

Complaint narrative:
On the date of XX/XX/2020, Professional Recovery Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send me a bill and claim that it is mine. According to the FCRA, Professional Recovery Inc. has violated my rights as a consumer, and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I tried to use my Home Depot credit card on XXXX XX/XX/2020, but it was declined. The account has an {$8800.00} credit limit, and there is no outstanding balance on it. 

I called XXXX at XXXX XXXX  and used the last four digits of my social security number to access my account. After making the appropriate selection in the phone prompts, my call was answered by someone in Citibank 's probate department. 

I explained to the man on the phone that I was not dead. He transferred me to the internal recovery department. The internal recovery department did not provide me with any information, and would not answer any questions. The woman I spoke with told me I have to call back tomorrow ( XXXX XX/XX/2020 XXXX and speak with the probate department. 

I am not dead. I also do not owe anything to Home Depot or Citibank as I paid my bill in full in XXXX of 2020.

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