vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-29 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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I sent 4 emails to ask Robin Hood to close my account and transfer balance out to a bank account. They never replied nor help. No Customer Service phone number is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XX/XX/XXXXwhich I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since 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 2021-01-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on theXX/XX/XXXXwas hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: PA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX about a contract they have listed on my credit report. I asked them could they send the original contract because the car they listed in the credit report was from XXXX XXXX XXXX. They told me that they brought they contract because XXXX went out of business. I asked them could they send documents. They agreed however, they sent over somebody named XXXX XXXX bill if sale. 

On XX/XX/XXXX I called again asking for the same information and was told they will get in contact with the back office again and they will try again. They was able to send the payment history. Inside the payment history shows that they picked up the loan XX/XX/XXXX and on the XX/XX/XXXX was hit with late payments and interest fee but a payment was made in the XXXX which is when I normally payed XXXX XXXX XXXX company. I asked them can they send the payment records from XXXX it looks like the payments started over as if I did not pay XXXX XXXX  which I had for at least a year and they cant produce it. 

The payment history they sent shows that they charged off the the car off for XXXX.But thats not the amount thats reporting on my credit report. I disputed with all three credit reports and they keep updating inaccurate information. 

However they sold the car in XXXX so I doNt understand how they are still charging repossessing fees for XXXX and XXXX along with payments and they had the car since 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 2021-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I had a credit card through XXXX XXXX XXXX. My family was impacted my the Covid-19 pandemic. I called XXXX XXXX XXXX  and asked for assistance. I spoke with a gentleman named XXXX, and he agreed to wave any fee 's for the time being, and to keep in contact with them. The next month bill come around and they tacked on the fee 's they had agreed to wave, but twice the amount. I called again and they said they would be taken care of. The fee 's never got removed but instead, kept doubling them and adding them on, for months. I got tired of it, and had the money to pay off the full balance, ( including their fraudulent fees ) from the Covid-19 pandemic stimulus check. I tried to make a payment online, and their system was down, so I called and spoke with a representative. She said the system was down on her end, and to call back in a couple days. I checked back a couple days later to make a payment online, and my account was locked. I then called the company, and they proceeded to tell me they sent my account off to collections, to Midland Credit Management. I had been signed up for E-billing which was posted on my account with XXXX XXXX XXXX. They declared they no longer have any documentation, so I now have no record of any payments made, or the documentation of the true balance in-which I owed. They prompted me to contact Midland Credit Management. I then contacted Midland Credit Management and told them I need all documentation and proof of the account that they have. They stated that they already sent the documentation, which they did not, because I hadn't received anything from them. I found out who the company was via XXXX XXXX XXXX. They refused to " re '' send copies of documentation to prove the debt. 
The company XXXX XXXX XXXX, made fraudulent charges on my account, adding over {$500.00} to my true balance and will not provide documentation. The collections company, Midland Credit Management, has added charges to the balance, and refused to provide required documentation. I have no record of documentation because they locked me out of my account therefore, my documentations of proof, were washed away. 
This is impacting my credit score, and my personal life. I feel as if I've been the victim of fraud, at the head of the corporate world, where they are feeding off of their weaker pray, whom has no leverage. I am prepared to speak with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
On Wednesday XX/XX/XXXX I was notified by my credit monitoring service that there was a change to my credit report. When I looked the message read, " you have one new 30 day late payment ''. I was puzzled because I work very hard to maintain a high score and payment history. After looking deeper into the report I noticed that GM FINANCIAL is the company reporting the late payment on the lease that I traded in to XXXX XXXX on XX/XX/XXXX. I have made every single payment on time and sometimes early. I called in to speak to GM FINANCIAL customer service on XX/XX/XXXX & XXXX  to clear up this matter. I was told that there was a letter sent to my home but I never received a letter. When I spoke to the rep.I was met with hostility and sarcasm on the XXXX. On the XX/XX/XXXX I called back to see if someone else can help, I spoke to the rep named XXXX and then to a supervisor named XXXX # XXXX and I was stonewalled by them both. They told me and I quote " we called and received no answer and we didn't leave a message, but on the XXXX someone picked up and hung up the phone '' They called my wife 's phone but never called my phone and I am the primary contact information. They admitted to me that they only called her phone on that day. That sounds like predatory, unfair practices on there part. If the loan is under my name and they don't call me that is not fair and again, I did not receive a letter from them. If they wanted me to receive such an important letter why wouldn't they send it certified mail. I am disappointed and frustrated with the entire situation and am requesting your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 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: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau & The University of XXXX  are reporting erroneously on a debt and it must be removed. I recently checked my credit and noticed this debt. I took a closer look and noticed that they are actually reporting on the same debt! Nobody can seem to help me with this situation and it is ridiculous. This is a violation under the FCRA and the FDCPA. If this is not resolved I will be contacting the attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union took all the money in my checking account and applied to a credit card I had with them. They did not ask permission and i did not permit this. The transaction was unknown until my account was declined use. There was over XXXX in my account. When they took it to XXXX. 

This is against the FAIR CREDIT BILLING ACT. They can not take money from someone's checking without permission. More importantly the money in my account is from the VA pension. This money can not be touched by any entity EVEN with court approval. Not even child support can be taken. 

I have called numerous times. i have been yelled at. Told I was wrong. That i am ignorant and a thief ( will not pay the debt off under any circumstances, until they reimburse me for property taxes I did not owe ). All of these calls have been recorded my NFCU and myself. 

I am a XXXX  % XXXX vet. I recently lost my job. i am a single father to an XXXX child, not to mention I am also XXXX  ( a reason I was XXXX retired ). I have filed numerous complaints. I have contacted news. I have sent NFCU the regulations they are breaking AND still nothing. I have reached out to my senator, mayor, congressmen, POTUS. Will continue reaching out to their uppers ( already contacted their CEO and head of the board ). 

They robbed me. Left me penniless and seem to not care in the slightest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: MA

Complaint narrative:
To Whom it May Concern, As a XXXX XXXX directly impacted by Covid, my husband and I have tried excessively and exhaustively to modify our mortgage loan serviced by Selene Finance. I must say that our initial rep, XXXX XXXX, was amazing and should be praised for her professionalism and dedication to help us achieve a modification due to the financial hardship we've experienced from this pandemic. With that said, that is where the good ends. After submitting all of the requirements and receiving verbal acknowledgement from XXXX XXXX, in addition to a notice sent from Selene that our modification packet was indeed completed and received in whole, we received a notice from Selene, dated prior to my conversation with XXXX, XXXX, but after the letter stating it was complete, that now stated we were denied due to an incomplete packet. Please note, during this time, Selene was reporting our loan as " non-govt modification '' with the previously agreed upon payments to the credit bureaus despite sending a letter of denial. 
I again reached out to XXXX who again confirmed the account notes stating our packet was complete, we were just awaiting underwritting and she would reach out to her supervisor and to call back in a few days. I called back as directed and was informed that our modification was closed out for reasons unknown and she was going to again try her supervisor. Ive tried multiple times to speak again to XXXX, which I've been denied and on more than one occasion have been told, by other customer service reps, " Yes, I can see that, but there isn't anything in your account about why you didn't get your modification. I don't know, just try submitting it again ''. Which I did, to no avail. I submitted a QWR letter on XX/XX/2021, which has gone without acknowledgement or answer, I get hung up on now when trying to call, and we received a notice of foreclosure auction for XX/XX/2021, without enough notice given to use to prevent the foreclosure from taking place as Selene requires a modification packet must be received more than 35 days before a foreclosure auction date. 
Selene is not only wrongfully denying borrowers foreclosure prevention actions, but also violating RESPA regulations. 
As a Covid XXXX, I put my life on the line, got XXXX  and now am losing my house due to Selene 's negligence. We sincerely and genuinely just want to pay our mortgage loan like every one else. 
Is there someone that can help resolve this issue? 
I do apologize for reaching out this way, but unfortunately felt I had no choice. 
Thank you for your time and consideration, it sincerely is appreciated. 
XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month. 

I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer. 
I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements. 
-I made a mobile deposit of {$1500.00} on XX/XX/2020. 
-I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.

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 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is handling my account in a discriminatory fashion due to my age, race, and relgon. They sent me notification that they would be reversing {$79.00} from my account on XX/XX/XXXX. On the XXXX about {$2000.00} was reversed from my accounts without warning. I went to branch to call and see why they took back so much money without warning, they had no good explanation only said it didnt make sense and they were sorry but nothing could be done. Bank of America gives all there other customers fair warning of any changes that will be made in my account. 

Reason for Dispute Reversal - Claim was denied because purchases fit my spending habit, including places I have never used and states I have never visited. 

Claim # XXXX - {$1500.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX Claim # XXXX - {$980.00} - Filed on XX/XX/XXXX ; Reversed on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank closed my account without any notice. Had to go to the bank and they said they couldnt do anything until I got the letter, I waited to get the letter which said to call a number to be able to receive my money. The costumer service said I could go directly to my bank to get my money, went to the bank AGIAN and they told me I had to call them to get my ban lifted. I tried doing that and the woman on the line said she couldnt do anything and she hung up on me. Now they want me to wait 30 to 60 days to get 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 2021-01-29 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: CA

Complaint narrative:
I wrote a letter to the consumer reporting agency on XX/XX/2020 disputing an account that is reporting on my credit file. The consumer reporting agency stated that they investigated and the company XXXX XXXX account # XXXX verified the information as accurate. I received a letter from XXXX XXXX on XX/XX/2020 which they clearly states they are unable to locate a record of the account I requested debt validation. This company has did not do its due diligence in investigating.

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