vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX a charge for {$390.00} was made on my citibank card at XXXX XXXX. I did not notice the charge until I received my statement, at which time I called citibank and told them that the charge was not mine. I also went to XXXX XXXX and told them of the charge. I do shop at this store. However, if you look at the charges, you can see that I do not spend this kind of money at the store. I buy lunch there, and sometimes dinner. It is a specialty supermarket across the street from where I work. I spoke to the manager and she said that sometimes there is a glitch in the system and that the register does not clear the transaction properly. She said they only keep 7 or 14 days in the store, so she would be unable to investigate the transaction. The credit card company said they would take care of it. However, when I checked my statement on line I noticed that they did not dispute the transaction and I phoned them again. Today I received a letter in the mail stating that I was responsible for the charge ( THAT I DID NOT MAKE ) and that it was going to affect MY CREDIT REPORT. Now, I not only take exception to this I have a definite issue with it. I ALWAYS PAY MY BILLS. ALWAYS. CHECK. I DO NOT PAWN MY RESPONSIBILITIES OFF ON ANYONE ELSE AND I SURELY DO NOT WANT THEM PAWNING THEIR RESPONSIBILITIES OFF ON 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 2021-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a life insurance check from XXXX XXXX for my husband who is recently deceased. I went into the Wells Fargo Bank at XXXX XXXX XXXX, XXXX, VA XXXX because the check was drawn on Wells Fargo Bank. I asked for the cash or a cashiers check to replace the check drawn on Wells Fargo. Some internal office refused to approve the check to be cashed stating it was a " not to be cashed check ''. Who has ever heard of such a thing? I asked if the check was even good and was told that it was good and did not have a stop payment on it. I had proper identification including name and address verification in as many forms as they needed None of that mattered. I asked if I could open a checking account with Wells Fargo and then I could write a check to get my money and I was told there would be a hold on the funds. When I asked how many days the hold would be they could not give me an answer. 

I did not have any options to get the money from Wells Fargo. IT IS 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
Consumer complaint received 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
On XXXX around XXXX I went to TD Bank in XXXX RI I went through the drive thru and tried to deposit {$400.00} the atm machine in drive thru the screen went blank it didn't return my money or receipt but it did keep the {$400.00} .I immediately went inside and spoke to the manager that was working that day. 
At first she didn't believe me but I explained to her that I'm on camera and you can see me depositing the money into the atm. She had me fill out a complaint form. The next day I get a call from the manager she said they found the money and deposited back into my account. 
On XX/XX/XXXX I go to TD Bank on XXXX XXXX RI I go to the drive thru at about XXXX XXXX I forgot that, that one doesn't have a teller so I used XXXXhe drive thru atm, I deposited {$400.00} again the machine takes my money I go inside I explained to them what happened. I had no issues because again I'm on camera and I believe the employees where watching me when I pulled to atm .The next day I get a call from this branch stateing that they deposited the money. 
I get a letter in the mail stateing the transactions that took place and how they deposited the money which adds up to {$800.00}. 
On XXXX I get a letter in the mail stateing that there was a second investigation and that they'll be taking the {$800.00} dollars back. 
Since then I called made complaints tried to speak someone in a higher position before I took further action. Noone has contacted me or emailed me about this situation at all it's been about 7 months nor returned the {$800.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: OH

Complaint narrative:
I signed up for a 3 month challenge at a boxing gym in 2018. Paying {$59.00} a month for 3 months. When I attempted to not continue with the boxing gym after the 3 months they declined my written cancellation claiming I either needed a doctor 's excuse or to get absences excused. Suddenly a 3 month challenge turned into XXXX bucks the company not only has not enough space for he number of people they sign up but there is nothing else there but bags for boxing. If it was a full gym I would consider a full year. XXXX XXXX started off calling. I told them to stop calling. They then started text messaging. I replied to the text and again asked them to stop contacting me. Then they started emailing. I replied to the email on XX/XX/XXXX to not contact me anymore. Today on XX/XX/XXXX I received yet another email from XXXX XXXX. I replied to them letting them know I would be filing a complaint. ( caution to anyone signing up for these social media challenges )

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 2021-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
LOANCARE LLC TELEPHONE NUMBERS DO NOT WORK, I have tried to contact them via XXXX for ( 3 ) days after receiving Priority Mail 2-Day USPS!! 
I have also sent in other complaints for them XXXX contact me over the last 15 months over my concerns about Forbearance during the XXXX Virus Scam on the World. I will also be contacting the State Attorneys office over no communication from loancare via phone conversation vs email & USPS snail mail. 
The biggest scam since the Great Recession of XXXX! 
Any Corporate Institution affecting consumer credit, and reporting this disaster is going to ensure a rise up from consumers lead by 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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a dispute letter to TransUnion for hard inquiries on my credit report that I do not recognize nor did I give these companies permission to pull my credit. Its been over 45 days and still no response

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 2021-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I opened up a TD checking account online on XX/XX/XXXX and received a confirmation email stating that everything was ready to go. 

On XX/XX/XXXX I transferred my payroll and several auto-pay accounts to use my TD checking account. 

On XX/XX/XXXX, I visited the XXXX XXXX branch at XXXX XXXX XXXX and spoke with XXXX XXXX to deposit cash into my account. During this conversation, XXXX alerted me that my account had been placed on hold because TD wanted to verify it was really me that had opened the account. This would automatically decline any payments made from my account. 

XXXX explained she had added notes to the system to remove the hold and that she would call me to confirm when the hold had been removed. She did not call back. 

No digital communication had been given to me about this issue. In fact I had received confirmation that my account had been successfully opened and funded on XX/XX/XXXX. 

This cause an auto-pay from XXXX to be declined. I am now being assessed a penalty by them due to TD Bank not communicating that this hold had been placed in my account. If they had done so, I would have maintained the XXXX auto-pay with my old checking account at XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12 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 regarding inaccurate and unknown thing on my credit report to this day over 60 days later i have not received a response yet. I feel like i'm taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts should be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is reporting private student loans late by 120 days. The loan was approved for deferment/forbearance in XXXX. 

XXXX is reporting XX/XX/XXXX : 60 days, XX/XX/XXXX 90 days XX/XX/XXXX 120 days LATE Experian does not have any late payments. XX/XX/XXXX account was current. 

Approval letter for Forbaearance sent XX/XX/XXXX, for forbearance period XX/XX/XXXX to XX/XX/XXXX XXXX responding XXXX XXXX stating that there was previous delinquency but myself and Experian do not see where these previous delinquencies occurred or are. 

XXXX is stating they will not correct my credit report. This gross misreporting has hurt my credit score tremendously even after paying off one of my private student loans.

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 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, LEXIS NEXIS, XXXX the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: IL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX, XXXX XXXX, SAGESTREAM the also have records of file the are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: FL

Complaint narrative:
Better mortgage around XX/XX/21 sent me closing disclosure which was drastically different from the loan estimate that was previously sent over the previous four weeks. the tax escrows went from {$2800.00} to around {$3700.00} and when i questioned them about it, they stated it went up because i did not get the Florida homestead exemption. i advised them that in Florida, you get the Florida homestead exemption especially with the home being my primary residence. i advised them to contact the local tax collectors office or the title company to confirm this information and they have not responded. i am currently being over charged for my escrows with my closing in one week which is a very malicious practice by better mortgage. They are also charging me a survey fee of {$400.00} when there was not one that was required nor was i able to shop around for companies. i questioned them about it and they advised they are looking into it and still no response. in addition to the above issues, i was advised that i cant use a realtor credit towards my closing cost and prepaids when this is standard practice in the real estate industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
( Lexington Law ) Hired them to monitor and to dispute any questionable collection claim. 
They started billing me monthly immediately around {$100.00} a month. 
They had disputed several ( 3 ) negative credit reports. 
Several months later I applied for a VA Home Loan. 
The lender of the VA Home Loan, XXXX XXXX XXXX XXXX had informed me that the VA regulations don't allow for a veteran to have any collections items in dispute in order to proceed with the VA Home Loan. 
I had contacted Lexington Law informing them of this issue and that I needed them to immediately remove the items in dispute with the collection companies. 
Lexington Law stated that they would have the items removed from dispute, and that my fees would be lowered because they would be doing less work now on my account. It went from {$100.00} to {$17.00} dollars a month. 
Now the lender of my VA Home Loan just stated to me that the collection items were never removed from dispute. Now my VA Home Loan that had been approved and the home they were financing is in jeopardy. 
I had just called Lexington Law to inquire what was going on. They were very rude and disrespectful and gave me a lot of double talk to try and confuse me. 
I feel they misled and deceived me. 
( misrepresentation )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I bought my vehicle with XXXX in XXXX. We bought the car at our most desperate. We're a small veteran family and unfortunately didn't have the best credit. We ended up getting approved by America Credit Acceptance. We agreed to refinace the car so we don't end up paying an arm and leg with the interest rate. We hit a few bumps here and there and had to put a few payments on the back of the contract. In XX/XX/XXXX when COVID hit I XXXX out for the state on the frontline and despite being in chaos have made my payments .In XX/XX/XXXX, I made a total payment of {$2200.00} in 3 different payments to get current on my account. My payment with the company is {$830.00} I didn't miss any payments with the company since XX/XX/XXXX. I believed my payments were being applied to the loan amount. I decided to get a different car in XX/XX/XXXX and came to find I still owed a large sum. I decided to refinance the car but was declined because of the amount i still owed. I made the car payment before the 30 day. American Credit Acceptance reported my payments late. Keep in mind I am still XXXX at this moment so it's extremely frustrating asking to go make calls and sit on the phone 30-45 mins at a time to argue about a payment that was not late but was being reported late and hurting my credit. We were in the middle of trying to get qualified for a home loan and this was hurting our chance because despite not being late on any of our bills this was being reported late. My payoff quote as of now show XXXX. Less than 2 months ago my pay off quote was {$30000.00}. It seems like despite making the payments the amount seems to be increasing. Last month i paid {$870.00} when every month my payment has been XXXX for the last 2 years. This month again they are charging me XXXX with fees of {$81.00}. It seems like my monthly amount has increased and so has my pay off despite not being late on payments. By the time i finish paying off the car I would have paid almost {$60000.00} for a {$29000.00} car. I made a XXXX downpayment which is not showing on my transaction with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My credit report includes a Loan Modification ( mortgage ) which i no longer live in or named on the ownership/deed since XXXX attached is the Divorce decree dated XX/XX/XXXX gives my ex husband 100 % ownership/responsibility. 

***There have been 2 modifications since XXXX by the same company. I never signed, sent my income or verified my identity with Select Portfolio Servicing. How can they refinance using my SSN, Income, etc. I have not lived at the property wince XXXX. The balance is not what I originally applied for from XXXX / XXXX XXXX years ago. attached is the original note I was joint, I never signed nor have anything to do with these modifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX Data BreachXXXX Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over

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 2021-07-12 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: CO

Complaint narrative:
I have sent two letters to Equifax regarding the XXXX account, They are reporting " derogatory " on a paid account. I have not received any response from them in over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am request the REMOVAL of my security freeze/block!!! I am trying to get the updatedand accurate information on my credit file! My current and only address and name XXXX XXXXXXXX  XXXX XXXX XXXX XXXX, IL XXXX DOB XXXX SS XXXX remove any other Date of Birth on my file. I am in the process of correcting my file with TRANS UNION, XXXX, XXXX  the also have records of file the are wrong.

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 2021-07-12 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: PA

Complaint narrative:
Goodafternoon, I am a victim of identity theft, In XXXX I was victim of a data breach that leaked all my information. My social, my id, and my address were all leaked. Now I have been dealt with a very bad hand because I have multiple fraudulent loans that are on my report. My family and I are now struggling with purchasing a place called home because of these accounts. Now I know that in XXXX there was a data breach in your company so you do understand the effect of what happens to people. According to the FCRA 605b 15 USC 1681 c-2, the accounts that are listed must be blocked in removed within 4 days. These are not my accounts I am a victim of identity theft I did not benefit at all. My life is being ruined help me from the shackles that I am being held in from being a victim. I have attached a FTC report, identity theft affidavit notarized, proof of identity, and proof of address with a bill.

Company response to consumer: Closed with explanation