vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I participated in a refinance application with my current lender in XX/XX/2020 who conducted a home appraisal for the process. When we realized they didn't have the product I needed, I transferred my application to Citibank. Citibank received all the necessary ( & requested ) paperwork but neglected to advance my file until my appraisal " expired ''. My loan officer advised a 2nd appraisal was just a formality and that the {$700.00} would be refunded to me upon closing. Citibank has been unable to close on the loan to date and I have been subjected long periods of time with ZERO communication/updates on application ( to the point where I had to BEG for an update ), my credit file also had to remain frozen/unchanged for almost 9 months while the application was " in process '' which cost me valuable opportunities ; opportunities which I needed to maintain secure finances during COVID. 

After exhaustive amount of patience and no results to show for the time invested, I have made several pleas to the bank 's branch manager and no longer wish to pursue partnership with Citibank and am requesting a return of all costs as no services were rendered.

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 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Heritage Financial Group, Inc.
State: IN

Complaint narrative:
XXXX bought a XXXX XXXX XXXX. 
Finance company -heritage .My health gotten worse, I applied for XXXX While waiting for help I had to stop working, which, fell to slow car payment, which heritage, took car, I got my XXXX Then I tried to get car back, heritage said, they sold car, XXXX I received summons. Went to court, met with attorney in court room hallway, have him paperwork from social security, about me being XXXX, how long I been on XXXX, he took papers said he was moving to dismiss, he said I did not need to meet with judge And he can tell judge, so I left courthouse Amount? You tell me, it differs, even on the summons did not have amount. 
They had no date when this happened, which was XXXX. 

One month later, started phone calls from heritage, collections, she claims heritage can sue, as many times or years to come, as for our court date, they said did not mean a thing, on that court day, 29 years of harrassment. 
They informed me they got a judgement against me XXXX, without me being present? 
And as for notice I didn't get any. They claimed they have right to keep embarrassing me Harrassing, me. I asked to not contact me, they call and hangup, I said let 's go back to court, so I can talk to judge, they said no, I am still on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: NV

Complaint narrative:
I started sending disputes to the three credit bureaus for incorrect negative information on my credit reports. I have not received any type of communication back from the credit bureaus. It is going on day XXXX and still no response. I have sent two separate disputes with no answer back. I sent the first round on XX/XX/2021 and the second round of disputes on XX/XX/2021 but still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: FL

Complaint narrative:
Account with XXXX XXXX reporting. Ive informed equifax I was Victim of theft and account doesnt belong to me. I received a letter from XXXX XXXXl that indicates they would delete account. Ive also attached a copy of letter from equifax saying this account isnt report. But account IS STILL REPORTING. Ive attached copies of the letters for proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX XXXX. On XX/XX/2021, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I paid my khols credit card in XXXX in full. There must have been an issue with their system. There was XXXX dollars and change that caused my credit card to charge off and khols closed my credit card. I did not find out until my XXXX XXXX tanked and my bank and other credit monitor sent me emails. I immediately called khols. They can not tell me why the system did not pay the card in full with interest. I spoke to XXXX in " office of the president '' who was so rude. She said they will not open my card back up and " you tell me ' why the system didn't pay off your card. She said they sent me a cure letter but the cure letter says I owe XXXX $ . I asked them to fix my credit they said they would but would not open the card back up. If it's not my fault why are they not opening the card back up. That hurts my credit too showing a closed charged off card. Khols collections efforts need to be looked at as well as their customer service. I had to reach out to social media as everyone kept saying this is your fault. I have spoken to 3 reps including XXXX. I hope khols listens to her call and retrains her. Office of the president should hire the best collections reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: MI

Complaint narrative:
I have a XXXX  mastercard ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX XXXX over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXXXXXX XXXX  to offer the XXXX Mastercard. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX XXXX would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX Mastercard account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.

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 2021-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I noticed an account placed on my credit report I have no knowledge of this account this is a result of fraud and I have no knowledge of this company the balance is XXXX I would like debt validation such as my signature on file or a document to prove this is my bill if no validation is available I would like this item remove from my credit report within 24 hrs or receipt of this notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I tried to do a XXXX transfer from one account to the other. Navy Federal put my money on hold. Didnt call to say anything to us. When I called had me on hold 3 consecutive times for 15 minutes, l spoke to 2 different attendants I will not disclose there names here, gave a short explanation and said we have to fill a form out then submit it to get my money. I tried to view my account and I was locked out of it. So at this point I cant see my account information. Then was told by a second attendant that I have to wait 2/3 business days for my money. Which I verified and asked for the hold to be removed. At this point I am XXXX XXXX. I told her no I am not waiting 3 days for my money I need it to be released now. This unprofessional inhuman being hangs up the phone. It is distasteful and upsetting to see what you have to go through to use your own money as you please. I will not be moving forward with navy federal because if I have to go through this type of behavior when I have to spend my money its unfair, secondly I can understand protocol to follow with transactions sometimes that may be to verify for security reasons but not when I verified I still have to wait 3 business days are you kidding me, for my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
I'm being sued in XXXX superior court no. XXXX XXXX XXXX @ XXXX I reported identity fraud and disputed it several times

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a Chase XXXX XXXX Card which is advertised as a travel card. I have had this card for ~4 years now and have extensively used the card. I continue to be in good standing with the card, paying the dues on time. On XX/XX/XXXX, I tried making a reservation for a flight in XXXX for {$210.00} but Chase rejected this transaction. At this time, I have over {$15000.00} in available credit limit. I called Chase and they stated that they have locked my account, however they refused to explain why the account was locked and asked me to call another day. They also sent me a text message requesting me to confirm that the transaction was indeed mine. I immediately responded confirming that the transaction was indeed mine. The transaction however continued to be rejected. I am an avid traveler and an XXXX, this behavior is clearly xenophobic targeting transactions in a particular region and not aligned with the expectations of an travel card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a business, personal checking & personal savings account with TD Bank I have 3 tenants that have paid the same amount for years, and the deposits have been missing from the statements. They show up in activities and months later they disappear I've complained to the manager, and I still don't have an answer. 

I also have a TD Visa  that I have a problem with. 

TD Bank is not trustworthy and I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
An account was opened under my name with my Social Security Number with Capital One. I requested that they canceled the account. They sent me a note that the account was cancelled. However, I am still receiving monthly statements which means that the account is still open and will collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: MI

Complaint narrative:
I have a XXXX XXXX  ending in XXXX through XXXX XXXX, which I had disputed unauthorized charges from XXXX XXXX  XXXX  over 3 months ago. After numerous complaints an employee from XXXX XXXX finally contacted me on XX/XX/2021. 
This employee identified himself as XXXX ( runs the back office for XXXX XXXX ). XXXX XXXX goes through XXXX XXXX to offer the XXXX XXXX. 

XXXX attempted to explain why my disputes were not handled properly and why they were furnishing inaccurate information to the credit bureaus. XXXX did apologize for the way my account and issues were handled which I appreciated. XXXX requested to start over with my original disputes and allow him to conduct the investigation that should have been conducted 3 months ago. 

I informed XXXX I would no longer discuss this issue until the balance the XXXX card is wrongly reporting is updated correctly to a XXXX  balance. I explained what I have been through and how the inaccurate reporting has caused me financial, and emotional harm. XXXX was not receptive and our conversation ended. About an hour later I attempted to log in to my XXXX XXXX account and was blocked. As of today XXXX XXXX my account continues to be blocked. 

I can not access it online or by phone. I have called customer service numerous times and no one has been able to help me, I am placed on long holds without anyone picking up the phone. If there is a small balance remaining I have no way of making any payments. I am completely blocked and one representative claimed the entire account was charged off for fraud. Makes no sense ... If XXXX reports this account in any negative way it is clearly a deliberate attack to harm me by ruining my credit more than they previously have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2020 WE my wife and I bought a set of sofas and a Bed.XXXXand XXXX. 
WE paid XXXX debit card XXXX credit for each item. 
THE furniture CO deliver the bed but the haft of the sofa in XX/XX/2020 the other haft was some were in warehouse. I was guarantee to get it in two weeks. 
I received the haft of sofas set on XX/XX/2020.and they are charging us XXXX for delivery of that sofa. 
In between the situation we went to the store to claim some credit and the mistreated us. 
They suppose gave some credit to us but we never see it. 
I paid off the account and they created another account on my name with the balance of XXXX.and at this date they still charging interest to it which I never going to pay.

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 2021-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX at about XXXX XXXX, XXXX XXXX account was updated through email by someone in Florida, XXXX can confirm, Rendering the services on my phone useless. I was at work with no wifi access, employer can confirm no wifi access provided in or around the premise, which left me with no access to any function on my phone requiring internet access. My SIM credentials were updated through email and all phone services rerouted to new SIM that was updated in Florida. The following account passwords were reset leaving me with no access to any services provided by such apps ; XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX  email account tied to all of these account services. Three purchases of {$250.00}, {$250.00}, and {$100.00}, totaling {$600.00} were performed around the XXXX timestamp according to XXXX  XXXX, that was made to buy XXXX and then was sent off to a wallet address foreign to XXXX XXXX. 

I waited until XXXX XXXX on the XX/XX/XXXX to contact XXXXXXXXXXXX  to figure out why I had no access to any account services and they explained my sim card had been updated and was pinging in Florida, and then they transferred me to their security department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 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: IL

Complaint narrative:
XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX  XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. In addition, this account is over ( 7 ) years old and should not be reporting at all. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.

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 2021-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AUTOMOTIVE CREDIT CORPORATION
State: FL

Complaint narrative:
There is an account listed on my credit file stating I owe XXXX which is inaccurate. I do not owe this company anything. I have disputed, requested validation and nothing has ever been received.

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 2021-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I sent a debt validation letter 2 account of times on the XX/XX/2021 and XX/XX/2021 and each time this company has failed to validate my debt. Instead they sent a list of my medical records which I know is direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my clients file and cease all collection activities immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: FL

Complaint narrative:
US Bank placed a security hold on my account because I changed addresses in XX/XX/XXXX. To release the hold, I have uploaded all documents they requested, including : Social Security Card, Driver 's license, Bank Statement, Tax form. Everything was exactly as requested. Still, after calling multiple times, we are now in XX/XX/XXXX, and they refuse to release the hold on my account and send me out a card. Also, they refuse to tell me why they won't send out a new card. They have essentially stolen {$15000.00} of my money. I don't know if they think they can get away with this, but will file a complaint with law enforcement, and take them to civil court if necessary.

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 2021-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation