vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/2020, a person name XXXX XXXX from XXXX XXXX XXXX XXXX [ XXXX : XXXX ] called from number XXXX ( XXXX ) XXXX, and said, " We have accidentally placed a temporary authorization on your account and have requested {$620.00} from XXXX Transaction , which will be removed from your account within 3-5 business days, so I need not worry ''. 
a day passes by and on XX/XX/2020, the same person called and said the same things as on XX/XX/XXXX, and requested me to ignore the charge on my XXXX which was requested by XXXX XXXX ( XXXX ). The payment went through and no alerts were sent by Citibank. 
I called the Citibank the very next minute and informed them about the fraudulent transactions. And also changed the password to the online Citibank account. 

Citibank is claiming that these transactions were authorized and hence I should bare the charges. The receiver himself is agreeing on the fraud but Citibank won't do a chargeback. Contacted the merchant and received a guarantee letter from merchant that they will settle the chargeback but the bank won't help with a chargeback. Police Report has also been filed against the merchant but bank won't help at all.

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 2020-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I removed my Escrow from my mortgage the first week of XXXX. I received a letter stating they received my request on XX/XX/XXXX and it would take 5-7 business days, plus mailing time to refund my balance in the form of a check. 

XX/XX/XXXX I called to check the status of my check and was told that it had just been approved to " cut the check '' and if I had not received it by XX/XX/XXXX to call back. 

I called back on XX/XX/XXXX and told them I had not received my check. The female looked into it and found out that the entire check, without my permission, had been applied to my mortgage balance ( XXXX 's payment and the remaining XXXX was placed on the balance of the loan ). I was then transferred to XXXX XXXX, ( Arizona ) in the escalations department. XXXX told me that he did not know why it was applied to my loan and he would wire me the funds. He stated it would take 24 hours to approve and 2-3 days for the wire. He stated he would call me on Tuesday XXXX XX/XX/XXXX ) to give me an update. i did not hear from XXXX at all. 

On Wednesday XXXX XX/XX/XXXX ) I emailed XXXX and never received a response Thursday XXXX XX/XX/XXXX ) I called XXXX and left a message, he did not call back so I called back and pressed XXXX, according to his answering message, and spoke to a female in Texas. She stated she did not know what the hold up was and that " account services and escalations had not been friends for about 3 weeks '' and that they are not doing their job. She said she would look into it and also send XXXX and email. 

I called XXXX back on Friday XXXX XX/XX/XXXX ) and left another message. This time he called back and said that " it had been denied '' I asked what was denied, the wire transfer or giving me my money back? he said he didn't know but would look into it and he would email the manager of account services. I asked if there was a number that I could call them at and he said no there wasn't. He said he would get back to me Friday night with an update and that the wire might even be in my account Saturday XXXX XX/XX/XXXX ) Again XXXX never called me back. It has now been over 5 weeks since I removed my escrow and I have still not received MY MONEY and it has become unbelievably frustrating. I am losing interest, all though a small amount, that I would have made by investing in the stock market drop on XX/XX/XXXX. I feel as though I am being led on a wild goose chase while they hold on to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I paid off the balance on my XXXX XXXX to XXXX during the first week of XX/XX/XXXX. 
Despite a call and an email, XXXX has neither sent my car Title nor reported the payment to credit agencies.

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 2020-06-13 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: TX

Complaint narrative:
Bank of XXXX credit card not mine

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 2020-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC XXXX let me connect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: NH

Complaint narrative:
XXXX  retail credit card company failed to communicate due dates and statements in mail. I reached out to them and learnt They had no mailing address or email per conversation with their support rep. And reported me to experian as 30day unpaid dues causing damage to my report. I tried to work with them but they never fixed it. Experian also failed to fix it and never looked into my request seriously. I strongly discourage everyone to avoid retail credit cards no matter how much discount they offer.

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 2020-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Hello we have problems with this company before to the point I got Georgia governors office of consumer affairs involved we had insurance in these periods they never send notification and we only find out after we check our credit this is a practice they do my wife filed a complaint about the same reason they have me on 4 different things on putting in the system as opened on same day 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
Bank of XXXX credit card not mine

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 2020-06-13 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: TX

Complaint narrative:
Bank of XXXXi credit card not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX paid full

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I sent a follow up dispute to Equifax in regard to their response of a verified bankruptcy I viewed on a XX/XX/2020. My request was for proof of their investigation that came back as verified. To this date I have not received a response to the dispute. It past the 30 days allowed according to the FCRA and I request the bankruptcy to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Hello, Capital One closed my Kohl 's charge due to inactivity on XX/XX/2020. They didn't send me any warning notice. I haven't used my card in quite some time however even if I wanted to these past several months, our Kohl 's stores in Delaware weren't even open due to COVID19. 

Closing my card due to inactivity without warning is detrimental to your customer 's credit health. Longevity of open accounts are very important. I called Kohl's/Cap One customer service today and I was advised that the only way to resolve the issue was to reapply for a new Kohl 's charge account. Once again - this is not fair as it would put a hard inquiry on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: TX

Complaint narrative:
I have several hard inquiries that are inaccurate with Equifax. These stem from the well known equifax data breach. I submitted a dispute for 3 inquiries. XXXX, XXXX, XXXX XXXX. 

They did not make the changes because they said " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : ( company name ) '' I have several problems with their response. First, for XXXX ; XXXX already contacted equifax and had the related fraudulent delinquent account removed, however i can't figure out why equifax can not remove the associated hard inquiry. 

Second, for XXXX. This was also fradulent. I spoke with XXXX and they told me i had to dispute it with Equifax. I'm not sure who is right here but they are both saying the other company has to make the change. I don't care, but just want this resolved. 

Third, i will point out that these fraudulent inquiries are the direct result of the equifax data breach. They should be more helpful in resolving the problem they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CO

Complaint narrative:
I submitted complaint - XXXX and it was resolved last XXXX. The company erroneously flagged my mortgage with bankruptcy. They have since resolved and apologized however they still list a fee related to bankruptcy on my account. I have asked repeatedly that it be removed and the customer service reps say a 'VP ' will call me to resolve. No one ever calls me back. The fee is a Recoverable Corporate advance balance of {$350.00}. The customer service rep said this was a bankruptcy fee. We have never filed for bankruptcy and have all paid on time. This needs to be removed from our account and I wish to have written notification that this was taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

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 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX Loans to inquire about the option to refinance. The loan had recently been sold to them from another mortgage company. The lady on the phone asked what my reasoning for wanting to refinance and I told her to lower the interest and payment. She said that there were options available and directed me not to pay the next few payments in order to be put in the program to lower my rate and payment. I was lead to believe that I was going to be going through a refinance. Starting in XX/XX/XXXX I was instructed to pay a lower payment amount for 3 months and then they would finalize the payments and interest. They had put me into a forbearance and loan modification. When I called and asked what this meant they said this was the only way to get the lower interest like a refinance. I had no idea I was not getting a refinance. I paid the payment for 3 months and they extended it for another 3 months through XXXX. Then they said they were going to finalize everything and not to pay XX/XX/XXXX. In XXXX I found out my house was in the paper as being auctioned off on XX/XX/XXXX. I called and they said I had not made a payment since XX/XX/XXXX and my house was being foreclosed on. I paid almost {$13000.00} to have my loan reinstated and have been fighting this issue with them since XX/XX/XXXX. They finally reported that my loan status was ok for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX but they will not budge on the other months. I was told by them and followed instruction by XXXX XXXX Loans to not pay for those months. I had never missed a payment with the other mortgage company or with them prior. This is predatory lending and they coerced me into a loan modification under the guise of a refinance.

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 2020-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I opened a Coinbase account to learn a little about crypto currency. 2 hours later I saw a {$10000.00} charge from this company on my bank account. They have no customer service, won't talk to you, give you complete run around, and ask for silly documentation ( like selfies ). They have 100 's of XXXX complaints against them. I feel as if this company is a complete scam run by a bunch of thieves. They should be shutdown and all employee 's should be prosecuted to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XX/XX/2020 Received a call from my county Court House stating he was a investigator XXXX from XXXX XXXX County Court ( ( XXXX ) XXXX. I called the court house and clerk was not able to located any case against me nor a investigator XXXX that might of called from there, she didn't understand. He stated he had a affidavit and needs to present a summons before it is presented to court he left a message for me to contact attorney office in New York ( XXXX ) XXXX to resolve and get information. Called a XXXX answered stating he was from XXXX XXXX and that I owed money to Ace Cash Express. Never received any paperwork stating of my debt from the actual company. He told me if I didn't resolve it they would go to my home and employer and I will be prosecuted. I mailed them a Money order for the amount of {$530.00} they wanted more and the settled due to fees and so forth. I mailed it to them because I recalled having a loan out several years ago and maybe thought I didn't take care of the payment. Then I did my calling to Ace Cash Express asking for a receipt that the debt was taken care of and they told me they don't take cases to court for payday loans and the amount I owe is only {$310.00} and they did not receive any payment from me. Till this day they have not received a payment. My account was sent out to several collection agencies I called all of them phone numbers were provided and this office is not one that they work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I previously sent two letters to State Employees Credit Union letting them know that I'm a victim of identity theft and this fraudulent account on my credit report needs to be deleted. In their first response letter on XX/XX/XXXX, they told me that it looks like a credit repair company is disputing this item instead of myself so I filed a complaint against them with the CFPB, then in the response letter, they sent me on XX/XX/XXXX of XX/XX/2020 they told me to update my contact information by going to www.ncsecu.org or visit a local State Employees Credit Union branch. This is totally absurd because I am not a member with State Employees Credit Union but they're asking me to log in to my State Employees Credit Union account in order to update my address because they don't have it on file but once again I'm not a member with them so how can I go online and update my information with them if I'm not a member. Then finally in their response letter dated XX/XX/XXXX they told me that they're not going to investigate further because I have not updated my information as they told me on the letter dated XX/XX/XXXX but once again I am not a member of State Employees Credit Union. I sent State Employees Credit Union copies of my police report my FTC identity theft affidavit along with my driver 's license Social Security card a utility bill and the fraudulent driver 's license that I received from officer XXXX XXXX with my name on it but this company still refuse to delete this fraudulent account basically calling my dispute frivolous.

Company response to consumer: Closed with explanation