vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/2020 I received email that my balance was now XXXX. I requested a deletion of the item off of my credit on XXXX XXXX by email to the same person whom sent the XXXX balance info, but no reply received. Therefore I called and was transferred to XXXX voicemail.  Today XX/XX/2020, he calls back very sarcastic stating the company will not remove the item. I've attempt to call this company on several occasions to request the removal but still as of today the item remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
XX/XX/XXXX - > XXXX XXXX leases XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX NJ. XXXX XXXX matures XX/XX/XXXX020.

> I have a pre-approval for a payment of {$290.00} from Nissan. 
> My wife has driven and would very much like to keep the vehicle > To lease another of same exact vehicle with a slightly lesser sticker than ours had, will require a lease payment " increase '' far greater than $ 110 monthly. 

XX/XX/XXXX - > I was Invited to do so with a great loyalty opportunity, > I visited my XXXX XXXX Nissan dealership with an offer of something special for me to lease a new Rogue S.

> My vehicle leased XXXX XXXX has less than XXXX miles on odometer. 
> I refused a horrible deal -with a {$330.00} lease payment > Dealer wants only to lease new on and grab my vehicle for resale with XXXX mi THE CRUXT OF MY ANGUISH HERE. I have been attempting to communicate with Nissan Motor Acceptance for the past three months. 

> You can not contact this company by any means you may attempt. 
> No phone calls are handled in person, > No emails. 
> I write them -- they never respond. 
> I sought to see if I can work with them directly as two different dealers I have met with only show a desire to get me into a new vehicle and get mine for resale. 
> I sought to get a XXXX extension on the lease due to all the dealer and pandemic issues. XXXX never answered a single letter. 

THIS JUST HAPPENED TODAY XX/XX/XXXX. 
> I have XXXX XXXX in XXXX NJ looking to supposedly help me PURCHASE the Rogue at lease end > It appears they are attempting to get me {$2000.00} more loan than i need > This dealer has not been forthcoming on lender or loan amount although asked XXXX My assistance request is for CFPB to compel XXXX XXXX XXXX XXXX XXXX XXXX XXXX to give me the courtesy of working with me directly to purchase the vehicle without visiting their less than professional dealerships possessing ulteriior motives to sell or lease a new vehicle. 

> That is all we can ask in this situation. 

> Customer service at XXXX is non-existent. 
> We would like not to have to deal with auto dealers that have shown themselves to be unprofessional and in some ways, outright devious.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-15 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 2020-07-15 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: MI

Complaint narrative:
I have disputed XXXX collection accounts on my credit report with Experian. The dispute was submitted on XX/XX/2020. On XX/XX/2020 I received notification that my dispute was complete. The dispute results were updated however there were no updates made to either account. The amounts reported on my credit report for both collection accounts is wrong for both accounts. One account is reporting an amount of {$850.00} as the current and original balance, this amount was never the balance of this account and this account has since been paid to the original creditor. The other account is reporting a balance of {$870.00}, again this has never been the correct amount due to this account. I had requested that if these accounts could not be verified that they be deleted from my report as required by the fair credit reporting act. Since they completed the dispute and did not correct the information I called and spoke with a dispute specialist who reported that I can provide documentation to support my claim and the information would be updated not deleted and it is up to the collection agency if they are going to delete the items off my report. This goes against the fair credit reporting act as they are reporting inaccurate information and reported that they verified the information which they could not have seeing as it is inaccurate.

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 2020-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
I borrowed {$570.00} originally, have been making weekly payments of {$86.00} for 7 months, but my payoff is over {$600.00}. That is not the process that was explained to me very briefly and in extremely broken english.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC is blocking XXXX XXXX from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OK

Complaint narrative:
I filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the company told me they forgot to do the dispute for XXXX, XXXX XXXX XXXX, which was included in my Chapter XXXX  bankruptcy that was Discharged,  also the statue of limitations has expired on this judgement, they also assured they would be expediting the dispute. On XX/XX/XXXX I spoke with LexisNexis and they assured me it was fully removed from my report. On XX/XX/XXXX my lender ran my report and it is still showing on my report and i reached out to LexisNexis and they said they forgot to dispute it even though they have the bankruptcy information and the release of judgment. I have been in the process of purchasing a home and LexisNexis is causing me to lose this home due to their lack of effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/XXXX I filed a complaint against Bank Of America with your agency regarding Bank Of America illegally allowing The FBI in XXXX New Mexico to search my safety deposit box on the weekend of XX/XX/XXXX The FBI in XXXX had Bank Of America close the branch on XXXX and XXXX that whole weekend while they illegally searched my safety deposit box without a warrant. A a Bank of America Manager confirmed it was true in a video I have recorded on a flash drive. Bank of America wrote me and said they have no record of a search warrant or any other court order that was served on he bank. They wouldnt have that because the FBI NEVER GAVE THEM ONE IT WAS DONE ILLEGALLY. This answer from Bank. Of America is unacceptable and I am asking them to investigate what happened the weekend of XX/XX/XXXX and why the bank was closed for the whole weekend.

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 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
In XXXX XXXX XXXX issued me a credit card after having a secured credit card with them. I got injured in XX/XX/XXXX and was out of work to make the payments to them. I notified them of the issue and said I could make $ XXXX payments. They wanted more money on the payment. They constantly called and emailed me harassing me to pay them. Then a couple months it was quiete until my roommate was ambushed by a process server and she signed for it in XXXX. The lawyer office of XXXX XXXX XXXX XXXX kept sending letters with my name on their along with my roommate. I tried contacting the credit card company again to try work out a plan. No response. Now the attorney office is garnishing my roommates wages with no notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan  under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I paid my Wells Fargo Micro Center credit card in full in XXXX, but they charged me interest of which I was unaware until I tried to use the card in XXXX. I asked them to rescind the charges, but they refused to do so. It was a paltry amount of money, {$27.00}, which I paid to appease them. My Credit Score has been negatively affected due to this, as I see it, fake interest charge and negative reporting on my credit. I spoke with a man named XXXX with Wells Fargo to dispute their negative reporting, he took my complaint and submitted it, however, he is unaware of the CFPB or what its real function is. He said that it will take ten days or more to get an answer by mail regarding my complaint.

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 2020-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im trying to set up an online investment portfolio. PNC Bank is saying the dont support this. Its my money and wish to invest it and am being told I cant spend it that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I cant get my credit report sent to me from transunion please help i get one a year and they are telling me i have to send info too them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Contacted Mr. Cooper since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from Mr. Cooper that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XXXX XX/XX/2020, and XX/XX/2020 I made two mortgage payment to 5/3 bank. The fist payment amount was for {$690.00}, and the 2nd amount was for {$690.00}. Two months payment for the month of XXXX were made erroneously due to a computer malfunction. One payment was only meant to be made. The computer at that time did not show a curtailment had been made to the account and the new payment amount was not reflecting when I made those payments. 
After about a week I checked my bank account and realized that I had made two payments instead of one. I was okay with making two payments. I was hoping that one payment would be for the month of XXXX. After about a few days I started getting phone calls. I didn't answer because I was working. I called back later only to be informed that my payment had not been made. I spoke to a representative the first time ; who explained to me that I had made an incomplete payment. So she suggested that I take money from principal and apply it to the payment. I agreed since it seemed like the most logical choice. A few days passed and I received another call from 5/3 bank. Asking why I had not made my payment. I explained to the second representative that I had spoken to someone already. They told me they had no record of it. I called the customer service back again. I was explained that my original request was denied because the way the first representative applied the payment was incorrect. By this time I am on the 3rd or 4th representative. I asked her what I needed to do to ensure that I am not late or that it reflects my credit report. She advises me again to take money from the curtailment and apply it to the XXXX 's payment. Which again I agreed. After, two days I get another call from 5/3 bank asking why I had not made a payment. At this point I told the representative to please check his notes before I spend 30+minutes on the phone explaining the same thing for the 3rd or 4th time. He initially told me he couldn't see any notes. I asked if their systems don't talk to each other. After a few minutes ; he goes on to say, that " he does see the notes ''. I asked him if he could please make a note to ensure that I have spoken to a customer service representative and to please stop harassing me during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened the new Citibank account on XXXX XXXX and deposited $ XXXX on XXXX XXXX. I confirmed with Citi customer service at-least twice that my account has met all eligibility requirements for {$500.00} bonus. See attached screenshot of my communication with CitiBank. Still even after passing the first 60 days and then 90 more days, I haven't received the {$500.00} bonus promised to me. In the last two weeks I called customer service twice and the agent  agreed that my account met all eligibility requirements i.e. the combined balance between my saving and checking is more than $ XXXX till date, and they will create a case for the back office to process this {$500.00} bonus. But within a few days after this discussion, I received the secure message that bonus can not be provided without explaining a specific reason. I am totally frustrated and feel like this is a scam by CitiBank. Everybody agrees on the phone that I should get a bonus but can not keep their promises. Citi customer service is worst, it takes first 40 minute to get to the agent and then they just transfer to others. Many times calls get disconnected in between and nobody calls back. With this kind of customer service, I am not sure how they should be allowed to run a financial institution. Please review this and help me in getting rightful, promised, {$500.00} bonus.

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 2020-07-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In early XXXX I applied for some deferral assistance while I was unemployed. The company granted this assistance and then in XXXX I got a notice that the difference between the interest payments I made was coming due, so I called the company and they gave me an amount which I paid on over the phone. Then I started receiving foreclosure notices sayin I owed them more. I requested a payment history report which took months to get and then went over it with an accountant and we determined that they may have given me the wrong amount so I made an additional payment which was a payment in full according to my XX/XX/XXXX statement. I then received my XXXX statement saying I still owed them more. I was unsuccessful in getting answers from the company so I filed a complaint with the State of California Office of the Attorney General. They also requested payment history information. When the company sent that information they copied me on this letter dated XX/XX/XXXX stating that they now haven't received my XXXX payment and after checking with my bank that payment cleared my account on XX/XX/XXXX, so they either failed to do their due diligence or falsely reported information to the Attorney general. I did much research finding that this company has had many class action lawsuits and complaints with a private consumer affairs site. Since then every month when I make payments if they do not get to them by the first of the month XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are calling these payments late and charging me an {$82.00} late fee. I have made numerous attempts to talk to them and get absolutely nowhere. I feel this company needs to be looked into. I have since singed a deferral agreement for approximately {$3500.00} which I do not think I owe but have no other recourse at this time. I have also spoken with HUD.

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