vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Good Morning, I am filing a CFPB complaint against CitiBank. 

Around XX/XX/2021 ( plus/minus 2 days ), I applied for a CitiBank deposit account online. Upon completing the application, the webpage said that my application needed to be reviewed. 

The next day, I called CitiBank to get an update of the application status. The employee said that he saw the account was opened and then immediately closed by CitiBank. He then invited me to re-apply over the phone, which we did at that moment. Upon him finishing the application, he said that the account could not be open. He provided me with a new accounts servicing department phone number to get more information, which was closed at that moment ( it was the evening hours when I called ). 

I then called the new accounts servicing department a day or two later, and they said that they can not verbally tell me any information, aside that I would need to wait for a letter via XXXX that would be dated XX/XX/2021. 

On approximately XX/XX/XXXX, I received a letter in the mail from CitiBank, but it was a letter that did not provide me with any meaningful information regarding the issue at hand. ( see attachment image ). 

On XX/XX/XXXX, I called CitiBank again for more information, and was transferred around and spoke to 4 different people. When I got to the fourth person, they said the " system was down '' and they were unable to assist me. 

I believe that CitiBank has been acting inappropriately and in bad faith, as they have refused to provide timely information to me as they originally promised. I am seeking to get the information as to why the account was opened and then immediately closed. There is written evidence the account was opened in the attached letter that was dated XX/XX/XXXX ; note the last four digits of a debit card that is in the upper left corner.

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 2021-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been paying my student loans regularly and on time. My Cosigner and myself saw a huge drop in our credit scores. I called them XXXX  ( XX/XX/XXXX ) they could not find the issue at first. They eventually found the issue and said it would be rectified and would give me a call that Monday ( XX/XX/XXXX ). They did not give me a call. I called them Tuesday and they gave no help on fixing this problem. They stated it just went on to review which they said they were doing that Friday ( XX/XX/XXXX ). My cosignor and I rely on our credit score to be good because of our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
Please remove the following fraudulent charges from my profile. Also the only name that I go by is XXXX XXXX. Any other names are fraudulent. 

Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX of XXXX I lost my job and fell behind on my payments, I contacted the mortgage company for help and they wouldn't work with me personally. I kept calling them until finally they offered me a modification, but then denied it because I didn't have the income. 

In XXXX I received assistance through XXXX with the XXXX Keep Your Home Ca. the paid XXXX towards my mortgage payment as soon as I was employed I contacted XXXX to revisit the modification again I was denied and the only option given has been a short sale and was told there wasnt enough income., I appealed a still the same option short sale. 

In XXXX of XXXX I began renting a room out in my home to gain additional income I secured the lease and showed the payments from the rental through my bank statements again the option presented was the short sale. So I appealed again in XXXX of XXXX this has been the ongoing process each year and each time the only option I qualify for is the short sale. 

In XXXX of XXXX I applied short sale option given each time I would call to speak with my home preservation agent she would only state my title wasnt clear I knew that XXXX had a XXXX for 5 years to erase the monies paid that was cleared late XXXX so again I apply and was given the short sale option In XXXX I took another full time job giving me XXXX jobs and I applied and was given the same option of a short sale, I attempted bankruptcy to pay the arrears and current monthly payments since my mortgage would be the only debt I have it was a payment of $ 2800 monthly and my other expenses proven to be a lot and in early XXXX it was dismissed in an effort to save my home XXXX XXXX loans reached out to me stating they work with XXXX to work on my modification and after me sending monthly payments totaling XXXX and to no avail they wanted another payment I never heard from them or from XXXX I applied and received the short sale option. I then tested positive for XXXX XXXX in XXXX of XXXX and did not return to my other full time job I applied was given a short sale option and facing foreclosure. 
Just recently applied again twice within XXXX with the same option. I just want to remain in my home I havent qualified for any other programs to help me remain in my home maybe putting those arrears on the back end and allowing me to pay my monthly payment definitely since the rates have drop taking my home or giving it away in a short sale is not the best option for me. I work a full time job a part time job and have a renter I have the income to remaining my house short sale is not an option I do not wish to become part of the homeless population my credit score is not the best and I need a chance to prove that Im able to make my papyments and to pay them on time.

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 2021-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX regarding a PayPal account in the amount of XXXX. After numerous calls to XXXX XXXX and PayPal- I was told by PayPal that my account was paid in full and never turned to any collection agency.

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 2021-10-28 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: WA

Complaint narrative:
For the past several months I have been trying to get several fraudulent inquiries removed from my consumer credit reports held by Equifax and XXXX. I have sent in letters, made multiple phone calls, and filed FTC and CFPB reports and have yet to recieve the resolution I am due. In addition, they have placed unrequested fraud alerts on my reports as well. I do not want these on my consumer credit reports, did not authorize them and want them removed. 

Listed below are the fraudulent inquiries, and attached is the first FTC report i made which i was told was not sufficient, and a 2nd FTC report made recently. 

EQUIFAX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC.
State: WA

Complaint narrative:
For many years, I have had a taxable investment account with Axos Invest, LLC ( dba Axos Financial ; formerly XXXX  ). Due to changes in their offerings and policies, earlier this year I decided to transfer my taxable account to XXXX. The transfer of ETF shares occurred successfully, but Axos, LLC never transmitted the cost basis data to XXXX. This issue has been open for months, with Axos claiming they transmitted the data via XXXX and XXXX saying they haven't received it to apply to my account. Other consumers ( see XXXX for examples ) have reported similar issues, and not just with data ( and/or funds ) failing to be transmitted to new investment brokerages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: KY

Complaint narrative:
Applied for credit with XXXX and was told that I had to lift credit freeze with Transunion. Freeze due to past employer disclosing personal information. 
Attempted to sign into Transunion and was told that authorization code was emailed, but it was never received. Email address is correct and I have received emails from Transunion in the past. Called Transunion at XXXX and XXXX, and was not given option to speak to a representative. When I input my data in their automated system, the data was not read correctly ; my ss # has three repeated digits and their touch tone system only reads two of those. They now locked my account, because they could not verify all of my 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 explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I placed an order on Friday, XX/XX/2021 with XXXX. I received the order on Sunday, XX/XX/2021. On Monday, XX/XX/2021, the " XXXX XXXX XXXX XXXX XXXX '' that didn't meet my needs and wasn't what I expected, I made my mind up to return it. I logged into my XXXX account online to start a return. This is NOT the first time I have returned something to XXXX so I was very familiar with the steps. As I get to the last step, where it ask, " how would I like to return my purchase '', I checked the box for XXXX drop off. It refreshed and gave me an error message, stating to call this number XXXX and speak to a representative. I called the number but, it was one of the worst calls with trying to get directed to the correct representative. I finally got connected to a representative name XXXX. XXXX made it seem as though he was taking care of the return and that I should see a shipping label to my email address on file within 24 hours or more. I thanked him and ended the call. Something didn't feel right, I don't know why. On Tuesday, XX/XX/2021, I went to the XXXX website to see if there was another way to communicate with a representative and, there was, live chat. I was connected with a sweet, kind and very professional representative named, XXXX. I asked XXXX, if they could tell me about the return that I had started the night before by XXXX. XXXX asked for the order number, email address on the account and my billing zip code. I gave XXXX everything that was requested but, that's when I was told, that XXXX had not submitted a return for my order. I was not happy and very displeased with the service I had received in the last 24 hours. XXXX was very apologetic and was willing to make a bad situation better. After doing some steps on there end, I was reassured that the return was processed and that the shipping label would be sent to my email address with a 24 hour wait. So, I gave it all day Wednesday, XX/XX/2021 and nothing. Half of Thursday, XX/XX/XXXX, is done and still no shipping label. This is on my Walmart credit card and I don't like purchases sitting/idling on my bank card or credit card. I like to get the merchandise back to the company, where it's safe and sound and so it drops from my bill. I'm not happy and I'm using this word cautiously. This item is shipped from XXXX and NOT a vendor. I can see if this was a vendor that I had to wait for an approval, but it's not. This is absolutely absurd that I can not get a label to return this item. This should not be this hard. Even if the shipping label wasn't sent yet, I could get some form of confirmation to my email account stating that the return is in progress, you do not even get that. What is going on at XXXX and why can't I ship an item back to them for a refund? This is absurd and not the type of service I expected from XXXX, of all places.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: FL

Complaint narrative:
XXXX from " recievable management partners llc '' calls me every day claiming they are a debt collection agency. When i call back, no one answers. I do not owe any money to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been in talks with US Bank and XXXX XXXX XXXX XXXX XXXX  each company is blaming the other one bank says a property payoff wasn't receive and the other says it was sent. because of this error i now have 3 loans on my home. US bank states they sent the payoff and check and XXXX  says they merely received a payoff check but not an actual payoff. both loans were for 2nd position and now there is a 3rd how is that possible This will surely force me in Bankruptucy and i will also need to hire an attorney to look into this matter. It is not fair that rules were put into place by regulators but big banks dont need to follow them.

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 2021-10-28 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in 2020 and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's EQUIFAX but remains on my file. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Coinbase is cutting retail investors off from trading XXXX XXXX  in order to manipulate the market to the benefit institutional traders so they can catch up with retail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: NJ

Complaint narrative:
Company states that original debt from XXXX XXXX is accurate. We were told that the debt is not accurate status and not our responsibility from XXXX XXXX  during COVID-19 in XXXX and should not have been placed on my credit file. This account is also a joint account and removed from my husband 's Experian but remains on my file. Please remove. 

Also XXXX XXXX XXXX hollow is now removed on my XXXX and XXXX because it was included in my XXXX bankruptcy in addition I have not owned timeshare since XXXX. Please remove.

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 2021-10-28 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Pursuant to Title 15 Chapter XXXX, Santander Consumer USA has committed individual actions against me beginning in 2018. They also involved a 3rd partly, XXXX XXXX, who also violated Title 15 Chapter XXXX. Both companies have committed Criminal and Civil actions of willful non compliance and negligence. Both have infringed on my name that is protected by copyright laws and my right to privacy. I have sent both organizations Notice of Fault letters along with invoices itemizing each violation under Title 15 Chapter XXXX. Both refuse to uphold the law that relates to their individual actions and both have yet to settle this matter. Moreover, Santander Consumer USA has only removed the account in question from 2 credit reporting agencies. They continue to defame my character and cause injury to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I would like to understand how you can say one thing and XXXX XXXX  can say another the documents are attached to reflect I have attached XXXX XXXX  payoff and response as well as Rockets previous response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
I was been paying a no interest debt every month and my statements do not accurately reflect the outstanding loan balance as Winn Law Group continually bills me monthly with a higher balance then I owe. 

I've tried to contact numerous times both by email and phone number and given the run around every time. The last time I spoke to XXXX of Winn Law Group was XX/XX/2021 and most recent email was XX/XX/2021. 

When I'm able to speak with XXXX or other assistants, I ask direct questions regarding contact the Winn Law Group directly and given an entry level contact email that in turn puts me through the same run around as she said : " The attorney is in trial, but I spoke with him and I don't have authorization to give you his email ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In XXXX I switched my Student Loans Consolidation company to an third party XXXX XXXX XXXX XXXX. XXXX XXXX was in charge of my federal XXXX XXXX of Direct and Unsubsidized and XXXX XXXX monies after the loans were closed in XX/XX/XXXX were stolen in the amount of {$10000.00} dollars. He kept my identity even after I tried to get it back because I hired him to submit my FASFA Loan Forgiveness Discharge Application to the Department of Education for XX/XX/XXXX Conditional Discharge and Cancellation in the amount of {$30000.00} Dollars. XXXX XXXX XXXX XXXX XXXX XXXX gave me harassing phone calls and every XXXX to XXXX months he wanted me to fax in my signature on file he said to keep forbearance records updated and instead of taking one year it took six years to complete the Application process and my loans were finally forgiven or XXXX by the federal government in XXXX from XXXX. Today I have a Zero Identity and nothing to show for it. My family suffers and he still has my numbers and harassed me through soliciting advertisements and junk Mail. I was scammed. I cant prove it but my mom can and I need her to soon. He isnt getting away with this. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: FL

Complaint narrative:
Why XXXX put this negative information on my account. My credit score is low now but I dont know anything about these accounts. I believe someone used my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28 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 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation