vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/2021, my Citi credit card account is closed. 

I was scammed to purchase of {$4300.00} worth of goods. The scammer provided a bank account to pay for this charge. Citi credit card put this charge on their APP statement as paid right next day after I provided the bank account, which misled me that the money has been withdrawn from the bank account. I sent the purchased products out the next day using the label provided by the scammer, which I can't get them back. 
Citi credit card informed me the {$4300.00} charge be returned via my email 4 days later. 
Before I received the email, I have called Citi card multiple times about the payment and always got answers that the payment was fine. 
Citi credit card 's unclear and confused statement resulted in this loss. 
I have filed a police report on XX/XX/2021 and the case # 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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX of XXXX I was set up with a modification due to a layoff during the pandemic, they sent me a letter stating I was approved and I sent back the signed letter, it is now XX/XX/XXXX and I am now being informed that my modification is no longer valid as they seemed to have not recieved my 3 emails and uploads to get them the signed paperwork, this is not my first trist with PHH/XXXX XXXX. These people are horrible. I am now upside down in my home and will be paying for my house for 60 years, I have been in my home since XX/XX/XXXX. I have paid as I have promised and they are now telling me that I am behind over 4k. 
Can I sue them and be done with my mortgage already? What options due I have I want to get rid of them and be done with my house mortgages with these people. they are a XXXX  nightmare, the scripts they read to us need to be changed, no one seems to know what they are doing. 
i want to sue them! I want them to release me and my home with a settlement of anykind just to get away from them. 
Who can sue them and where do I go next?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I had a credit card with XXXX. I was late on a few payments so they closed my account. Ive since been paying the monthly payment due on the closed account. The account was closed by the guarantor for over 6 months now. In XXXX, they charged me a yearly fee of {$49.00}. This is fraud. How can I be charged a yearly fee on a card that has been closed and not in use?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: FL

Complaint narrative:
I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXXC fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account 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 2021-11-24 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:
I applied to refinance my house and my credit scores which normally are in the XXXX 's were XXXX due to an XXXX fraudulent account with a charge off of {$2200.00} being listed on my credit report. I called XXXX fraud department and spoke to XXXX on XX/XX/2021. XXXX stated that she put remarks in the charged off account but could not give me a report number since she could not access the application because it had been charged off. XXXX told me I would have to file reports with each of the credit bureaus to have the account removed from my credit report. I did file disputes with each of the credit bureaus. I received a report back from XXXX stating they had concluded investigation and they could not remove it from my report that I would have to file a report with cfpb due to it being a case of fraud. Also, there is a fraudulent address in XXXX on my credit report that I never lived at and that is the address that was being used for the XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
To whom it may concern, I have a mortgage with XXXX XXXX Bank. During Covid, starting XX/XX/2020 I put the loan in forbearance due immediate Job loss due to covid-19. In XXXX 2020, I returned back to work and Called the bank to discuss options for payments, it was decided deferral was the best option and we worked with loss mitigation to make this successful. It has been over a year and it is still not cleared up. Since XXXX 2020, we continued to make monthly payments and have paid a total of {$16000.00}, a total of 13 months of payments. We call every month trying to fix this problem but they keep messing it up. Now, we are in a terrible financial situation due to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I was told around XX/XX/2021 that I was no longer eligible for the federal Covid extension on loan payments because my loan is owned by Navient and not the Department of Education. Ive struggled to pay the loans since then. Also in XXXX, I requested information from Navient regarding their purchase of my loans. I have yet to receive this information. Finally, I have questions about the principal and balance on my loan, which Navient has yet to explain. Im certain that the original amount of money borrowed was around {$36000.00}, but Navient has my principal amount owed around {$160000.00}. I want Navient to send me a full accounting of all the interests that has accrued on my loan since they started servicing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: FCC Finance, LLC
State: CA

Complaint narrative:
I have been trying to pay more on the payment each month and FCC Finance is stealing my money and applying more to their interest instead of my principle. I've tried to reach out and work this out with FCC Finance and question why they are taking more than their interest of 15.99 %. This was in XXXX, XXXX, XXXX, and XX/XX/2021. They make me call them and have them reapply any over payments I make to be applied to principle and not their interest. They would not answer me as to why they are taking more than the agreement of 15.99 %. I have emails that I've sent and never get a proper answer. they are fraud back and stealing money. I've tried to go to the XXXX and got nowhere with this except a letter from 2 of their attorneys that wouldn't answer my questions of misapplying and stealing more from me. I want this resolved. I'm trying to get a loan to pay them off and transfer the amount over to a real bank. Please help fix what these criminals are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase completely blocked and then stole all the money that was invested in crypto currencys. It was around 10000.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: LA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Exeter Finance, LLC.
State: PA

Complaint narrative:
This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But Exeter Finance XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: NJ

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: IL

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-11-24 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: MD

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
in response to my dispute number XXXX Experian response to my cfpb complaint stated. 

" The identity theft report that you provided to us does not meet the guidelines established by the federal Fair Credit Reporting Act for the following reason ( XXXX ) : It was not filed with a law enforcement agency which subjects the person filing the report to criminal penalties relating to the filing of false information. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX '' This is 100 % false. 

The code in which they're referring to is 15 USC 1681c ( XXXX ) ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian has blatantly lied and it is unacceptable. 
No where does it state you have to file an complaint with an law enforcement agency. 
Ive satisfied all requirement by law. 

I believe this is an stall tactic, and they're now aiding XXXX XXXX bank in reporting fraud. 
Im demanding monetary compensation for the fraudulent account that they're voluntarily and knowingly without any proof are reporting on my file, even after the fact of me notifying them. 

Remove this account from my file asap!!

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 2021-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WAFD BANK
State: WA

Complaint narrative:
Washington Federal, the Bank, recently, XX/XX/21, upgraded their Online banking the result of which I could not access my accounts. I contacted the " Bank '' who advise me that they, the Bank, now requires access to my " Cookies '' and third party Cookies for third party tracking. I advised the " Bank '' that I objected to doing this, since it is an invasion of my privacy and put me at risk with " predators '', possible fraud and harassments from unwanted solicitations on the web and they " the Bank '' do not need my " Cookies '' to transact my business. The " the bank '' advised me that this is their policy. I contacted other banks in my area who now, also require access to my " Cookies ''. This, now, appears, to me, to be a conspiracy. Why, at this juncture in time do, banks, have to invade the privacy of private citizens and put them in " harms '' way?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: SC

Complaint narrative:
Today on XX/XX/2021 I called Financial Data systems LLC to verify a debt that is listed as a collection account on my XXXX Credit Report. I was informed that it was a collection for An apartment I rented with XXXX XXXX Apartments. I informed the representative that Ive never received documentation regarding the Debt from the Original creditor Nor Financial Data Systems XXXX. When asking for Validation of The debt. The representative stated it would be an additional {$XXXX} for me to get an email verifying the debt. I believe this is Fraudulent. I want this to be removed from my credit repost because theyve never sent any Documents regarding this debt but sent it to collections without any information regarding what this is for. There contact number is ( XXXX ) XXXX. Mailing address XXXX XXXX XXXX, XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This was a car loan that I made, however, when I was unable to pay for the car loan they reposes the car. the total amount for the original loan was {$17000.00} upon selling the car for {$8000.00} I should have a less amount reported on my credit report which it should be {$9100.00}. But XXXX XXXX XXXX continues to report {$17000.00} instead of the {$9100.00} I have made several attempts to get this fix but so far they have not done so.

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 2021-11-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
Covington credit continuously mailing, calling, and emailing invoices for past due payments on a closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE XXXX ACCOUNT THAT IS LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THIS ACCOUNT. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THIS COMPANY, PLEASE HAVE THESE ITEMS REMOVED FROM MY FILE.

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 2021-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
After reviewing different lenders to help secure a conventional mortgage loan, I thought it would be great to use Navy Federal Credit Union as they are my main bank. Using the app, I reviewed the mortgage rates, and on the main page of Mortgage Rates states, No matter what your circumstances are, we have the right home loan for you. Need help deciding which loan option works best for you? I knew my credit score needed work but that first statement made me feel like Navy Federal would work with me and help me obtain a loan. I entered my information on Tuesday, XX/XX/XXXX, and paid {$19.00} for them to pull my credit. I submitted my paystubs and other information the next day on Wednesday but the decision had already been made that my loan was denied. I emailed the loan officer associated with my application, asking for them to help me understand why and if there was anything else that can be done to help me achieve getting a conventional loan and get me out of renting? I only get sent a canned response that I should contact the credit bureaus and Ill receive a letter in the mail. None of my questions were answered. I would not have entered my information, paid for my credit report to be pulled, and cause more harm to my already middle ground credit if the statement had been changed to something such as, No matter what your circumstances are, we have the right home loan for you when credit criteria are met. or something along those lines. As it stands now, my credit has been hit, Im out {$20.00}, and no one wants to help me understand or provide some time of information that could help me obtain a mortgage loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief