vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
TD bank has frozen my business bank account today XXXX for no justifiable reason. They say I deposited a fraudulent check for {$5000.00} at an ATM on XXXX, which I know is not true, the check is from my brother. He since has contacted his bank and there were no issues on his end. I do not believe it is legal to freeze ones account without a court order or atleast a justifiable reason. There is no evidence of fraud, I have been conducting business as usual. 

I have contacted TD fraud department and they insist on keeping my account frozen today despite the fact they are costing me money and damages by not being able to carry on my companies duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.

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 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WY

Complaint narrative:
XXXX XXXX Started the refinance process with Loan Depot Was told that because I had a mortgage through them already, the process would be fast.. 
Sent all documents through the portal and was told they were all received. 
XXXX XXXX No communication.. Emailed and he said to call him and he would have an update.. 
XX/XX/XXXX, XXXXSaid he had all information and couldn't believe the account manager hadn't been in touch.. 
XX/XX/XXXX Account manager told me she would call me in an hour - said almost done with the loan for closing. 
Had to send all items again ( third time ) through portal and directly to her. 
She said she received them again and there were sent to underwriter for review.. 
XXXX Same Sr. Manager asks for the same documents the 4th time.. 
she found my old ones, and again said my loan was underwritten and approved XXXX She said she had requested payoff and she was shooting for friday for a closing.. 
XXXXemailed again, and got this : recieved the payoff and have requested the hud/alta statement with the final numbers I will have this tomorrow and will call and discuss closing. 
XXXX She said she would call in an hour to go over the loan .. 

Never heard another word.. 
XXXX New Account manager- Sent paper work again ...

Got to the end, and they said they couldn't do it as I had 2 over 30 day late and 1 over 60. 

I have never been late on a mortgage payment in my life and never would have been if this process would have gone as they said. There was no communication about the numbers changing on my loan even though i had paid payments.. Also called each time I was to close and was told that as long as it closes when they said I should be fine. The dates came and went and I made up the payment. This has been such a farce.. At no time did they tell me that my late payments would be going to my credit. Or of course I would have paid them. Each time I was waiting to close on my loan which each time was imminent. No it shows on my credit and I can't refinance ... XXXX town!! 

I have all the emails talked about ... 
And there were 2 different refinance loan numbers Loan # XXXX Wont let me upload my documents saved from emails..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
Us bank Reliacard has over {$6000.00} of my money locked due to " fraud '', though I've only used the card to withdraw money for rent. Every time I call they tell me to submit a copy of my ID and a selfie, which I've done 4 times now, and every time they tell me my account is still locked and to try again. This time they asked me for a copy of my social security card, which I will not do as it seems fishy. The customer service reps have not helped at all, often telling me to go to websites that don't work to submit information. I need this money to pay for rent and for upcoming prenatal appointments as I'm two months pregnant. They're holding my money hostage and having me run on a wild goose chase to get money back that I 200 % believe that they stole and have no intention of giving it back.

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 2021-03-09 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Loan Depot ( NMLS # XXXX ) does not normally answer their phones and does not return a phone call. When I do get through to a live person they say they will call me back and then I never hear from them. 
This has been going on for the 8 months I've been with them. 
XX/XX/XXXX XXXX sat on hold for 15 minutes at XXXX XXXX XX/XX/XXXX XXXX sat on hold for 31 minutes at XXXX XXXX  XX/XX/XXXX XXXX on hold for 4 minutes before I was able to leave a message asking for a call back / XXXX XXXX XX/XX/XXXX XXXX on hold for 13 minutes before I was able to leave a message asking for a call back / XX/XX/XXXX XXXX got transferred to customer service and no one answered that call XX/XX/XXXX I emailed and XXXX XXXX ( Processing Assistant Manager ) who helped originally with the closing of my loan. She informed me that XXXX XXXX ( loan officer ) was no longer with Loan Depot and she would locate someone to help me. I never heard from her again.

At one point during all of this I got ahold of a XXXX at XXXX and she assured me she would get back to me. She returned my call and I missed it so I called her back a few times and she never returned my call. 

Fast forward to when my XX/XX/XXXX loan amount went up and I couldn't find out why online. Tried calling loan administration and no one answered.

To eliminate LD affecting my credit, I paid the higher amount. 

XX/XX/XXXX received a letter from LD stating I should have a refund in my insurance account and to contact my previous insurance company ( I've been with the same one for 5+ years ) and ask for a refund and then send the refund to them. I contacted my insurance company and they had no clue why I received that letter. 
I attempted to call LD which I've listed below. Note I've been calling the number on the bottom of the letter they sent. XXXX XX/XX/XXXX auto disconnected as I sat on hold XXXX XXXX XX/XX/XXXX on hold for 35 minutes XXXX XXXX  XX/XX/XXXX auto disconnected as it told me to hold for a representative XXXX XXXX  Called " insurance department '' of LD at XXXX and a very kind lady named XXXX XXXX and she told me it was for business to business calls only and she gave me a customer service number to call, then she transferred me. 
XXXX Disconnected while holding for next representative. 
XXXX I called back at XXXX and was on hold until I was auto disconnected at XXXX XXXX. 


I have attempted 3 times to have bi-weekly payments set up so I can pay off my loan faster. Each time, I took a screenshot of the completed form with all of my banking information, date to start etc. Each time a received a letter that they received a blank form from me ... ..even though I have proof. This is why I was attempting to reach them in XXXX. It's still unresolved because I gave up. 
How does a large mortgage company get away with not servicing their customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: NJ

Complaint narrative:
I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

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 2021-03-09 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: NJ

Complaint narrative:
Citibank is failing to resolve a credit card dispute in regards to a vehicle upgrade on a lemon vehicle. ( Violation of NJ law N.J.S.A. 56:12-29 to 56:12-49 ) A vehicle upgrade was purchased at the time of delivery ( XX/XX/20 ) but shortly after the car was deemed a lemon due to numerous cosmetic and mechanical issues including : - 10+ deep scratches/scuffs below the paint and primer on doors, upper trunk, lower trunk area, and grill - Paint defects across the car including excess paint ( drips ), rough edges, and more - Damage to the front passenger seat - Damage to the passenger headliner - Damage to the windshield and parking shifter - Condensation in passenger B-pillar and displaying errors on screen - Passenger door would not properly shut - Thousands of small scratches across the vehicle on every panel - Severe screen backlight bleed ( Light spots visible on darker screens ) - Loud high-pitch noise when brakes are utilized - Deep sporadic ( suspected heat pump ) vibrations and pulsations - Misaligned vehicle panels including the trunk, door handles, headlights, door trims The car feature upgrade can be remotely turned off by XXXX and refunded but neither XXXX and Citi are properly resolving the issue. In fact, Citibank prematurely ruled on the credit card dispute without evidence or knowledge that the car was a lemon. The car is being returned back to XXXX as a result of the lemon and I am due for a refund for the feature upgrade that was purchased. I have plenty of supporting documents illustrating the dispute.

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 2021-03-09 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: MT

Complaint narrative:
On XX/XX/XXXX I traded in a XXXX XXXX XXXX van at XXXX XXXX Dealer. The XXXX dealership sent a check to Chrysler Capital to pay off the loan on the XXXX of XXXX. Chrysler Capital signed for the check on XXXX of XX/XX/XXXX, see attachment 1. 

On XX/XX/XXXX Chrysler Capital took a payment of {$540.00} out of my checking account for the van. I made about 15 to 20 calls to Chrysler Capital to get this resolved with no help. Yesterday I received a letter, see Attch 2, It states that they did not consider it paid in full until XX/XX/XXXX. 

Yesterday I also received a check from Chrysler Capital, see Attach 3, for {$270.00}. 

The problem I have with this is they received the payoff check 5 days before my payment was due but took them 27 days to consider it paid off. I should have received a check from them for {$540.00}, that is the amount they took out of my account after they received the pay off check. Instead the check was {$260.00} short of what the owe me. 

Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
For 3 months, Synchrony Banks automated system has been taking money from the wrong account. When paying your bill you have 3 options- Choose the Date, Choose the account, Choose the amount you pay. Pretty straight forward, until you hit SUBMIT and the payment automates to whatever account their system chooses to use for the payment. 
I removed the accounts that were " ACCIDENTALLY '' being drafted with the operator- I made a direct payment with them, and the money finally came out of the correct account. This had happened 2-5 times, over drafting an account that I do not have the option to put funds into, so when they would take the payments I would cancel them trying to reverse the computer 's " ACCIDENT '' and not only has this over drafted that XXXX acct for payments, Care Credit/ Synchrony is closing my account stating that I made too many " unfaithful '' payments- so I asked to speak with their managers- they ALWAYS hang up on me. This is not a single or couple times, this has been going on for months- I have tried to call and respove this issue for 3 days and they keep hanging up and not transfering me past a customer service person who states the issue is mine and all mine, not their system. Their automated payment system is faulty and they are making it my problem, and telling me i have to open a new account now. THis is exactly what XXXX XXXX was doing in 2010!

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 2021-03-09 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: CA

Complaint narrative:
XXXX  XXXX doesnt work with customer for Covid relief or pandemic assistance

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
Week before XXXX of XX/XX/2021 I received a call at work and I told the guy to remove my work number from the account he tried saying I authorized to call my work and I did not and as of today XXXX XXXX the company again contacted my work which our work numbers are only for emergency use only and the lady wouldnt say where she was calling from until the third time I asked and I asked her not to call my work number again I did not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to the credit reporting agency on the account several times on previous report it shows it was in included I. The bankruptcy then on the current dispute they reported it as a collection.

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stenger & Stenger, P.C
State: NJ

Complaint narrative:
I used to have a credit card with XXXX XXXX  which was sold to Steinger and Steinger debt collector Steinger and Steinger filled a law suit against me for the owed amount and they had a garnishment against my salary XXXX the payroll agent deducted the amount from my paycheck on bi weekly basis till the last XXXX but Steinger and Steinger still stating that the last amount was not sent to them by the court therefore they are still reluctant to update my credit report. 
Steinger and Steinger is asking me to contact the court and ask them why they have not sent the last payment however I believe Steinger and Steinger are the one who is responsible to contact the court and not me.

Steinger and Steinger keep reporting my account is late and not paid in full however the money was fully deducted from my salary.

Please help me from the debt collector who are damaging my credit report for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am a XXXX in the united states XXXX  and penfed credit union has restricted my accounts with over XXXX XXXX dollars in cleared ballances acctoss my accounts the credit union has locked my online access without any reason or explanation i call and get the run around then just yesterday i accidentally entered my pen fed card into XXXX and it gets approved i tried to use again and it went back to being restricted penfed needs to unrestrict my accounts immediately or just let me close my accounts and retain my ballance

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