vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2021, I received a fraudulent charge of {$33.00} on a virtual card number of my Citi credit card which was allegedly from XXXX. The charge posted on XX/XX/2021, and I called XXXX and received a written statement that the charge was not initated by XXXX. 

I then called Citi on the same day, and they issued a conditional credit for the amount of the fraudulent charge. I also requested that my card number be reissued due to the fraud. 

On XX/XX/2021, I received an email from Citi requesting additional evidence on my end regarding the dispute. I forwarded them the response from XXXX that I had received earlier. 

However, on XX/XX/2021, I received a notice XXXX attached file XXXX XXXX ) that Citi has reversed the credit and determined it to be " customer responsibility ''. They mentioned that there were more details in the documents section of online banking. However, the notice there included no information about why this was done, or what evidence did the fraudulent merchant provide that showed that I had made the purchase.

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 monetary relief
Consumer complaint received 2021-04-20 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: MI

Complaint narrative:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: MI

Complaint narrative:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

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 2021-04-20 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: AES/PHEAA
State: MI

Complaint narrative:
My student loans report as charged off with remarks stating that they were paid off. the status should reflect that they are paid off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have had two capitol one credit cards for a couple years now. I have been on time with all of my payments this last year even through Covid. I had a couple returned payments from capitol one to my bank because of insufficient funds but i took care of these each time before my payment was due and was never late. i was having issues because of Covid and was struggling. now the company has closed my accounts without a warning or anything. i called them and they did a 10 day investigation and still decided to close. i feel like i was treated unfairly because i didn't get proper warning before the closure and when i talked to customer service they were rude and looked down on me for going through a hard time financially. i don't have the best of credit and all they said was all i had to do was apply again however i don't qualify anymore. i was building my credit with these cards now how am i supposed to do that. I explained that i have a great job again and these issues wont happen again as they did not before covid but they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
XXXX complaint responded to by XXXX does NOT address the complaint and as usual was closed by your waste of time CFPB organization! Alleged non payment 6 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
There is a mortgage with Nationstar/Mr Cooper reporting on my TransUnion report and it's indicating that it's in Bankruptcy and that is not the case there is no Bankruptcy on that account. This is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 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: CA

Complaint narrative:
I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this 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 2021-04-20 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: CA

Complaint narrative:
I recently came across my updated report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). 
Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report. 
Please kindly DELETE this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: WA

Complaint narrative:
I set up a Settlement Agreement on my Account to Settled in Full in two installments of {$750.00}. I awaited to get a Settlement Agreement Letter in which I had to call after my first payment went through to get someone to send me a copy of the AgreemeXXXX. When I asked how long after my last payment goes through should I await for my Settled my account and balance is {$0.00}. I was told by the agent that is something his company does not do due to large inventory of accounts. I told him that is something required by law that we should receive and was told that if I was worried about Credit Reporting then I would have to wait. When my payment went through yesterday XXXX. I emailed the Recovery Agent XXXX to ask for a letter to reflect my balance in {$0.00}. He told me that I needed to call the XXXX line and talk to the same agent that setup my settlement agreement. When I asked " As a Recovery Manager, you are unable to provide me this information? '' His response was " I only send letters via email. I emailed back stating " Well you agent had told me previously that is something your office does not do because your company has a lot of accounts. Frustrating that I wasn't given a settlement agreement letter when it was first set up and to hear that a Recovery Manager can't even provide me any information. Well I guess another CFPB complaint is needed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was given a payoff amount with a date for the loan which was paid off on the date. 
However later they told me I owe more money, additional 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 2021-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was involved in a XXXX Ice Cream schemeI. 
I was told To deposit Check that I received4 $ XXXX was told to deposit the check into my bank.Take out 2,000Send itTo-dis account numberChase bank account ending in XXXX The deal was to Have advertisement Shrink-wrapped On my new trailer that I have bought over the course of three months. I were to receive {$800.00} a monthI was cold by my bankOnMondayThey informed meThat checkI depositOnXXXX XX/XX/14 Did not clearI went to Chase Bank On and XXXX to put a stop on the check.They told me that I had to go to my bank And put a stop on itIn which they have already called me MondayTo tell me that the check was no goodSoI can not get my money backI had to pay that {$2000.00} Back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My mortgage provider Lakeview Loan Servicing LLC, has failed to pay the correct amount from my escrow for my XXXXXXXX XXXX. On XX/XX/2021 I called Lakeview Loan Servicing LLC and notified them that they had only paid {$0.00} in XXXXXXXX XXXX when the amount due was {$8700.00} if paid in XXXX. I was told that there was an error made and it would be resolved in XXXX  days XXXX XXXX XXXX ). I also emailed XXXX XXXX a scanned copy of my XXXX XXXXXXXX XXXX statement with the amount due. On XX/XX/XXXX I still did not see the payment posted so I called the provider again. This time I was told that they were going to start reviewing the error that day and not actually have it resolved that day. I was told by the company rep. on the phone that " these things take time '' and they would pay the amount for any delinquent fees. In XXXX the taxes had still not been paid but I received a Annual escrow account disclosure statement from XXXX XXXX stating surplus amount of {$6600.00} was being refunded to me largely since the projected amount for XXXX XXXX was {$6700.00} and actual amount paid was {$0.00}. I called XXXX again on XX/XX/XXXX in regards to why my XXXX XXXX had still not been paid and why I was receiving a refund. After speaking with a manager I was notified that my issue would be escalated and addressed within XXXX business days. On XX/XX/XXXX I contacted my XXXX XXXX office and verified that the amount had still not been paid. I contacted XXXX XXXX  on again on XX/XX/XXXX and spoke with a representative to get an update on my escalated issue. They stated that the escalated ticket had not been reviewed yet. However they also started an escalated ticket directly to their escrow team and should have the XXXX XXXX  paid in XXXX hours. At this point the payment would be multiple months delinquent.

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 2021-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
I discovered a XXXX  bill for my XXXX from XX/XX/XXXX that was sold to a collections agency on XX/XX/XXXX XXXX original amount : {$1500.00} ... current amount is over {$1700.00} XXXX. Neither I nor my XXXX heard anything about this debt. We did not receive mail, a phone call, an email, or anything regarding this debt, or that it was even in danger of being sent to collections. We also did not hear anything from the collections agency itself. The only way we discovered this was by checking XXXX credit report last week XXXX XX/XX/XXXX ). Sure enough, I called the company and verified the debt, but they had no information beyond that as to why we never heard anything about it. They also would not put a hold on the account until I could solve the issue. Just seemed like an informational call, and not a solution-driven XXXX. 

The creditor was XXXX XXXX XXXX and the collections agency is Wakefield & Associates. Neither XXXX of these companies reached out to notify us of the debt, or the ability to dispute it. What is also alarming is that given the date of service XXXX XXXX XXXX, XXXX ), the only bill that could have been received was set up in a payment plan that was paid between XXXX and XXXX of XXXX. This is of course is an assumption on my part drawn from the only possibilities I can think of from that time period. I have no way of knowing or verifying if this is what the debt is coming from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
My son used my social security number to obtain residency in his apartment. I never stayed there and he broke his lease. I already spoke with the company and they verified that I was never there, but he did use my social. The company asked that I file this issue with the FTC and obtain a police report, and then they would remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
My monthly payment of {$300.00} for my lease was on XX/XX/21 with a XXXX  day window to make a payment - I have never made a late payment to XXXX and have always been a loyal customer to them. At the time, my XXXX  goXXXX XXXX  with XXXX and I was responsible to care for XXXX and our XXXX. A few days later I got XXXX myself and was very XXXX. Not long after that, my XXXX got it too. We went to my XXXX house to have some help and to be taken care of and at the time, unbeknownst to us, XXXX had sent a letter to our apartment saying our payment was almost due. On day XXXX I received a call from XXXX saying my payment is over XXXX days due ; while I was still on the phone with the rep. I made the payment. Meaning on day XXXX the payment was made and received by XXXX. 
Despite my families XXXX of the XXXX, XXXX immediately reported me to all credit bureaus and DROPPEDMY SCORE XXXX POINTS! This could not have come at a worse time as we are on the market for a house and a good credit score is vital. After calling them numerous times to sort this out with me, they repeatedly refused to help me. I called to ask to speak with the manager and was told all managers were in a meeting and I would get a call back. I never did. I was yelled at over the phone and received awful customer service. I normally wouldn't take the time out of my day to submit a formal complaint, but I had to make an exception for this. Every representative I spoke to was robotic an unpleasant over the phone. They offered no help and no explanation other than " we have to report you and we can not help ''. I am ashamed to be leasing from XXXX and do not plan on being a customer of theirs in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have an issue about stock account with XXXX  On XX/XX/2021, XXXX days ago, I found that I was not able to log in to XXXX account and was not able to reset password and could not verify account information. 

I sent them emails to resolve the issue but they haven't responded not a single time so far. ( XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 I sent emails to them XXXX but only email was automatic email response that they will contact me within XXXX days. but it did not happen. 

in the meantime, MY ACCOUNT IS HACKED. 
I confirmed the my account has been controlled by hacker and fund is transferred some other person. ( I was able to see that because I still receive push notification to my cell phone ) - attached notification that I received. 


and {$2500.00} was transferred to other person 's account ( which I can't verify ) definitely it did not come to my bank account. 
on top of that, any possible trade/transaction is happening against my intention.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2021 we were shopping online for XXXX XXXX and ended up on the website XXXX, which appeared to be an outlet online mall for XXXX XXXX with all the appropriate XXXX XXXX on it. There was no indication that this was not a legitimate site and we ordered tools in the amount of {$490.00}. 

When I saw the order confirmation, I started to be suspicious, because there were no official XXXX XXXX anymore. At the same time I received an alert from my Citi credit card, informing me that this was an international charge from XXXX with a website XXXX 

We therefore immediately called XXXX XXXX XXXX the original Manufacturer ), who confirmed that there are fake websites out there and that they have been trying to shut this website XXXX XXXX XXXX down ( see enclosed warning from their website ). 

We were not able to establish contact with XXXX and XXXX day later the website was not active any longer. The website XXXX however also shows a warning that this is a pishing site ( enclosed ). 

Needless to say, XXXX or XXXX were never intending to send any of the ordered products. 

I disputed the amount immediately and also called Citi customer service, explaining the situation. After the disputing process my credit card company processed the charge anyways and provided order details from the merchants bank that the products appeared to be sent under the tracking number : XXXX ( see attachment ). 

Consequently I have entered the tracking number on some of the most common shipping carrier 's websites and it appears that a shipping label was actually created on XXXX, but it was never dropped off at the post office, which proves that merchandise was not shipped. 

Any attempts to contact the " merchant '' were unsuccessful, because the fake website that we ordered from has been shut down and emails returned with error. 

Despite all the evidence brought forward and multiple letters and phone calls with Citi, the credit card company is not willing to charge back the amount.

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 monetary relief
Consumer complaint received 2021-04-20 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: MA

Complaint narrative:
Experian, XXXX XXXX XXXX account XXXX is reporting inaccurately and needs to be updated to paid on time. Experian didnt correct this account reporting to report the accurate late payment history and this is now false reporting by Experian. Experian if you can not furnish documentation directly from XXXX XXXX proving that I was XXXX days late consistently on the dates reported, the entire late payment history needs to be updated to show paid as agreed never late because of false reporting and subterfuge reporting by Experian. 

I have provided a copy of the credit report clearly showing the inaccurate reporting and have circled and highlighted them for Experian.

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 2021-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over XXXX years and should be removed You can see via the attachments that it was already reporting as charged off and then Chase updated to reflect the same and increased the balance on a charged off loan.

Company response to consumer: Closed with explanation