vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
This company is an absolute rip off! These people need to be shut down they are crooks stealing and trying to take people 's. I dealt with XXXX of Danco Financial who came and repossessed a vehicle that should have never been taken in the first place. I had a payment arrangement set up and paid half of it like I was suppose to yet they still came and got the car. I don't understand how this company is still in business. When you call all you hear is XXXX music while on hold. I'm sure they have done this to a lot of people. They pray off o those who have less then perfect credit and are unable to get a vehicle at a normal dealership. I wish you all would really investigate the deals and complaints you have from this company. I bet there would be a class action lawsuit regarding all of their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
On XX/XX/2019 I was scam.I made a wire transfer for XXXX US dollars from my Citibank account to Citibank XXXX ( XXXX ) at the name of XXXX XXXX XXXX XXXX, XXXX with I am making bussiness for more than 5 years. The money was transfer to a third person because the corporation does not have an account in XXXX. 

I reported in the properly times the case ( CIT XXXX ), They make wait 3 months to tell me only want to refund me XXXX US dollars. That is a joke for me. I claim to a second review for the case and I got an email from XXXX XXXX | Case Researcher | Citibank Executive Response Unit (  XXXX ) she is going to give me a response to XX/XX/XXXX but she did not fulfilled it. I wrote them 2 emails more and called her several times at different hours with no response. I record her 2 voice message What Im claiming is a full refund because at the moment the transfer was made I provided all the information required by Citibank as : -Account Number -Account holder name -Adress -Phone number The account number, adress and phone number do not match with the account holder name. This is basic! a simple security verification. Why are they asking me all the information if they are not going to check them. This is bureaucracy and a weakness in the security procedures from the bank. There is no excuses because Citibank US and XXXX are the same bank, They know who received the money, and they are protecting them, is against the law, I can suspect the bank is coverin them up. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: MI

Complaint narrative:
I graduated XXXX XXXX University in XXXX of XXXX. From that time I have been very aggressive with paying off my student loans. I have paid off roughly 1/2 of the principal balance as of today. As of XX/XX/XXXX, I began attending XXXX XXXX University to peruse a graduate level degree. On XX/XX/XXXX, I received an email stating that " Your request for a deferment has been approved ''. I had never requested a deferment for my payments as my graduate degree is sponsored by my employer and I am not taking out any student loans for it. I was able to contact Great Lakes and suspend the deferment. With this process, the next required payment for my student loans was changed from the year XXXX to XXXX of XXXX. My complaint is that two months after returning to school a deferment was made without my consent. Documentation was then falsified to appear as if I was the one who had requested this. Great Lakes falsification of my request has reset the timer on when my next payment was due by.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX XXXXi sent XXXX XXXX a dispute via USPS certified mail. Neither responded in the 30 days required. Neither reported to the credit bureaus this account wa being disputed. As a matter of fact they reported the account in question closed saying I requested ot which is a lie I never did. Both XXXX and XXXX bank responded nearly 3 months later and knocke my credit score 35 points down and are continuing to report late. I never signed an agreement with XXXX nor did I get an assignment letter. Instead they created a new account with a new acoount number and attempt to collect payment for which they were not legally authorized to do never sending my payment back to me. They still refuse to remove from my credit report. I have never made one transaction when XXXX claims it serviced my account. I have zero obligatins to XXXX and both companies are attempting to collect as I have letters from both XXXX and XXXX seperately. XXXX was intermingling regular XXXX and charging me cash advances for transfers of my own money not separating a store credit and regular XXXX. They also werent applying credit to a special financing perchase for months until it was nearly expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
I made my bi- weekly payment in whole for the entire months of XXXX on XXXX XXXX in the amount of XXXX. 

On XX/XX/XXXX. My car was disabled by the company and I late picking my XXXX children up from daycare which cost me XXXX in late fees The Representative Noticed it was the company fault and asked for me to send in proof of the daycare fees. 

On XX/XX/XXXX my car was doable once again stating that they needed a payment that they already have. My children were not able to go to school today nor was I able to go to work due to not being able to transport with out the car Im paying for. 

This company has cost me so much money in extra fees I cant possibly afford this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: ERC
State: TX

Complaint narrative:
On XXXX I received a credit monitor alert from my monitoring service for Enhanced Recovery Collection original creditor is XXXX XXXX, With Date started as XXXX, I attempted to called them to stay on hold numerous of times nobody knows anything, I got someone to give me more information after requesting a manager or supervisor. I File a fraud claim with them they gave me number to XXXX i call unsuccessful but i have since file to online disputes of Fraud, They gave me the service address which i have never been affiliated with, nor even know anyone that is, 8 states over. Its a hassle to get XXXX on the phone 3 days i keep getting put on hold 1.5 hrs one day 46min next day, I just need this info off my Credit ASAP, I never received any Phone calls or Emails or Letters about this account, It just mysterious appears on my Credit Report one day. XXXX to XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX, I received an email alert from Bank of America stating that my checking account was no longer eligible for bill pay. I called not understanding why ( they had switched the bill pay to my HELOC ) - after being transferred twice, I was told that there was an AML freeze on my account and I would need to speak with them. She transferred me to them, but they were closed. 

I called first thing on XX/XX/XXXX and spoke with the AML department. After verifying me, he stated that the issue was with information for my wife, XXXX. I got her on the phone, and he verified her identity. He then stated that they had asked her to go into a banking center to verify this a month ago, and that's why they froze the account. 

I reminded him that we signed all the paperwork for a HELOC in XXXX of this year. She is also in a banking center on a regular basis to make cash withdrawals. He said the HELOC signing wasn't sufficient. They wanted to confirm 1 ) does XXXX have a dual citizenship, and 2 ) what is her occupation. 

I asked to file a compliant, but he did not take one down from what i can tell. I then asked to confirm that during this period of having the account frozen, did they return any debits ( checks, ACH ). He said he had no idea and would transfer me to customer service. 

I spoke with customer service, and after much back and forth, I was told that nothing was presented and rejected during the period of the account being frozen. 

The idea that they would freeze the checking account ( but not the HELOC! ) of a 15+ year client without a letter or phone call, over the suddenly urgent question of dual citizenship and employment, is beyond absurd. I specifically asked to file a complaint with Bank of America and was not given that opportunity. I know they will respond to CFPB complaints. Please forward this on to ensure it is reviewed by their AML officer and head of retail banking.

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 2019-10-23 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX   XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX  XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX****  XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX**** XXXX XXXX**** XXXX XXXX****

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. EQUIFAX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
OnXX/XX/XXXX1 I entered into a fraudulent investment Contract, with XXXX XXXX XXXX sending money to XXXX  XXXX XXXX, sat at the closing table and nothing was disclosed to me pursuant to ( CFR-42 ) about my rights, documents were removed out of the closing documents such as the disclaimer for the credit application, forms from the appendix ( H ) H-8, H-9. Im being held liable on a contract that To which Im not a party, ( The pooling servicing agreement contract ) and under the STATUTE OF FRAUDS UCC 2201. The investment contract/Mortgage Loan was for {$110000.00} at the time. I mailed a demand to M & T Bank I have Rescind this investment contract/mortgage loan transaction on XX/XX/XXXX and was received on XX/XX/XXXX. Do to the abundance of FRAUD i found. I also have the Indorsed note/securities that is indorsed to me.

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 2019-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: GA

Complaint narrative:
Company is repeatedly calling and not identifying itself or full purpose of the call. They will not answer questions and refuse to stop calling when asked. They continue to call using different numbers in an attempt to hide the repeat calling pattern. 

They are calling from XXXX, XXXX, XXXX, XXXX and others with similar suffix changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND TRANSUNION WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

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 2019-10-23 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:
I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM EXPERIAN AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.

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 2019-10-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I have not received any statements from the company, and I called to inform them and there were 2 late fees on the account, they refused to credit both fees even though I have not received any bills, I signed up for online services today and paid today and they only credited 1 fee as a curtesy even though I have never received a statement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.

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 2019-10-23 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:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I have dealt with Mr. Cooper recently thru you all, I have paid everything up to date. As of today they continue to claim that I still owe for XX/XX/XXXX which you will see in an attached spreadsheet that I am current and also paid a late fee. They have never worked with me/destroyed my credit and also continue to charge me the additional cost for home insurance which I pay separately {$63.00} every month since XX/XX/XXXX and they are also increasing my mortgage payment without any explanation. I have no choice but to continue with this company since my credit report is poor but I beg for some action to be taken for their neglect of any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Every day I am getting harassing calls at my job, which is making it difficult for me to work, as well as getting harassing calls on my house phone and cell phone for myself and my mother, the cosigner. The representatives says things such as I shouldn't have taken out the loans if I can't afford the payments, they are going so send an officer to my place of employment, as well as to my home to serve me notice, they are going to garnish my wages, and they are going to keep contacting me. On Monday, XX/XX/2019, I told the representative that I fell behind in payments due to me getting sick for a few months so i was out of work with no income, this was after the months of XX/XX/XXXX-XX/XX/XXXX when I am unemployed because school isn't in session. The representative offered me a XXXX paper for the time I was working, but my illness would not be labeled as a XXXX, I just had to get well and I told her that. She then told me to try to borrow the {$370.00} payment from someone so the loans wouldn't default. i explained to her that no one has that type of money to loan me and I can't pay them such a high payment and still live month to month. The last payment was made to them on XX/XX/2019 in the amount of {$340.00} by my mother was is on a fixed income due to retiring and we can't afford that high payment. We have experienced several losses like repossession and loss of housing due to income changes. It is stressful and they aren't trying to compromise, but threaten and call daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
I transfered XXXX Dollar from my bank account through western union to my brother in XXXX and they only asked me for the receiver First, second, third and last name and i gave them exactly everything as they requested.. and now he is now able to get the money from XXXX as they keep telling him that they need the fourth and fifth name also!!! 

Everything else is identical.. ID number .. tracking number.. everything and they refuse to give him the money .. and i am trying to call the company i lost a lot of money trying to call them Internationally and with no good answer .. just handing me from one agent to another.. and when i tried to cancel the transaction and get my money back they are telling me that they will cut it of ... please i am very frustrated form them .. help me with this issue

Company response to consumer: Closed with explanation