vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The " said '' credit card ppl claim " I '' opened this CC. Which, I never I did. 
You can check my credit and my credit has been compromised, and I don't know why someone would do this to me anyway. 
I spoke to all 3 reporting agencies, and they directed me to speak Midland who have this acct. I asked for them to close this acct, bc I'm not responsible, but they keep nagging me that it is. 
They claim it was opened in XX/XX/2019, and I moved from XXXX to XXXX  on XX/XX/2019. 
Plz, help me. I don't know where else to go! 
They said I need some kind of affadavit? 
Thank you! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ATTENTION TO XXXX XXXX XXXX I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX XXXX in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: AZ

Complaint narrative:
Never got confirmation of auto pay so made payment online. Payment went thru twice and filed paperwork to have it credited and Arvest did not do it in their promised period of tome once payment cleared. Apples for refund of overpayment on XX/XX/21. They emailed confirmation of receipt and never credited it. Called customer service which has not given any answers to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
ATTENTION TO LVNV FUNDING LLC I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1400.00} does not belong to me. This account was fraudulently opened through this company LVNV FUNDING LLC in XXXX of 2016 I have never done business with this company an it has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or CREDIT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
In XX/XX/2005 I was sold 2 fraudulent mortgages by a Bank of America Mortgage Broker XXXX XXXX XXXX. The primary loan was in the amount of {>= $1,000,000}. The HELOC was in the amount of {$250000.00}. I was told by XXXX XXXX that my loan was considered at that time a jumbo loan and that the type of loan he was providing me was the only type of loan offered. At that time, I had no reason not to believe XXXX because he had sold me a conventional loan of $ XXXX for a property I was selling. XXXX told me that my payment would be {$5000.00} a month, the exact amount of my net pay and that I would have to live off of my husbands income. I agreed feeling I had no choice. In addition, the appraiser that for the property I was purchasing was sent to me by XXXX XXXX XXXX citing this was his friend and he was doing many appraisals for him. This appraiser was subsequently prosecuted and incarcerated in Connecticut for Fraud for over inflating the values of homes. Subsequently, about a month after I closed, I received my first mortgage bill. However, the bill did not read {$5000.00}. The bill gave me a choice of payments amounts, either {$20000.00} a month, {$15000.00} a month, {$10000.00} a month or {$5000.00} a month. I immediately called XXXX and he said Dont worry XXXX, as we discussed, you are to pay the {$5000.00} a month. What ensued was the face amount of my note increasing each month until it ballooned up to nearly {>= $1,000,000}. When President Obama came into office, he deemed these notes to be FRAUDULENT and ordered the Bank of America to rewrite my loan. The Bank of America, rewrote the loan to nearly double the payment amount to over {$9000.00} a month. My home is now in Foreclosure because of what XXXX XXXX XXXX and the Bank of America did to me. I am a mother to XXXX young children and will be without my home. Bank of America according to the State of CT. Department of Banking , sponsored XXXX XXXX XXXX NMLS License to be a Mortgage Broker. XXXX XXXX to this day continues to work under this license.

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 2021-02-10 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: GA

Complaint narrative:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( Transunion ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.

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 2021-02-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank is engaging in unlawful, deceptive, & misleading business practices in violation of federal statute New York GBL 349. Citibank markets a Paycheck Protection Program ( PPP ) on a national level. Citibank provides business owners with a list of the required documentation necessary to apply for a PPP loan. Businesses rely on the provided list and submit the required documents. Despite submitting all of the required documentation, Citibank conveniently advises their business clients that they are unable to verify payroll and categorically deny the applications. At the time that businesses contact Citibank by telephone, they are informed that a telephone number for the PPP Department does not exist and that all inquiries should be sent by email. As opposed to its competitor national banks such as XXXX XXXX  XXXX XXXX which both have dedicated PPP Department customer service representatives assisting business clients with PPP applications, Citibank makes it impossible to receive the assistance that businesses not only desperately need to financially survive but also deserve as loyal business clients. Afterall, PPP applications must be submitted to the bank where businesses have accounts. When businesses send emails to the provided email, they receive generic emails which cause immense confusion, aggravation, and unnecessary delays. This is because the email responses do not clarify what, if anything, is missing from files in order to obtain approval. By way of limited example, email responses provide information regarding loan forgiveness which is irrelevant because a PPP loan has not yet even been approved, thus making forgiveness options irrelevant. On another example, email responses provide a telephone number, but the provided phone number is for general Citibank inquiries and the representatives advise that they have no information regarding PPP loans. Yet, on another example, email responses advise businesses to reapply. However, upon re-applying and again submitting all of the required documentation specifically following the required documentation list provided by Citibank, businesses once again receive emails stating, unable to verify payroll. Citibank fails to advise business clients as to the exact resolution measures. Citibanks unlawful, deceptive, & misleading business practices cause tremendous financial issues for businesses attempting their very best to survive during these uncertain times. I respectfully request that the Consumer Financial Protection Bureau investigate Citibanks unlawful business practices and implement penalties accordingly. Thank you for your time and attention to this matter.

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 2021-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i keep applying for citi card recently on XX/XX/21 they denied me bc they blacklisted me for no reason citi bank said based on prior citi accounts, i was never ever late on my old accounts always paid off my balance

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
Self Financial, Inc. Is in violation of the Fair Credit Reporting Act due to negligence on your behalf and failure to report accurate and updated information to the credit bureaus. You have failed to update my Self Credit Builder account. This account has not been updated to any of my consumer reports with either reporting agency, such as XXXX XXXX, and XXXX. The account shouldve been closed out on XX/XX/XXXX, and sent to each reporting agency. You have yet to send the reporting agencies anything about my account since XX/XX/XXXX. Within that time I made two ( 2 ) more payments on XX/XX/XXXX, I paid {$400.00} and interest payment of {$4.00}. Nothing has been updated and sent to the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 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:
I just check my credit and I notice that there are some accounts on my credit that I did not authorize bringing me to file this report because I'm a victim of identity theft these accounts should not be on my credit report cause potential harm to my credit score or jeopardizing future financial obligations I wish to seek for myself in the near future.

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 2021-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied to open a new checking account with U.S. Bank. After sending over personal documents to an agent with U.S. Bank, I was able to open the account and make an initial deposit online by XX/XX/XXXX. A part of this process of trying their financial product was using promo code XXXX, which is an incentive of {$300.00} as a welcome bonus after receiving direct deposits from my employer. 

Unfortunately, after meeting the terms of the bonus offer and waiting the appropriate amount of time needed for processing ( 60 days ), I have not yet received my welcome bonus. I have called the financial institution ( on XX/XX/XXXX ) and they were unable to find anything to resolve this issue ( although I will be calling back next week ). I hope that U.S. Bank can be held accountable for this situation.

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, XXXX  in XX/XX/XXXX. During the 8-10 years that I held a mortgage with Loan Depot my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. Home Depot did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the Loan Depot representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX XXXX been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. Loan Depot 's actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am very disappointed and concern about this issue. There is a late remark on XX/XX/XXXX on my Capital One account. I've been always on time in my payments but there was this situation that I could not control. 

I was in XXXX for work. I was was stuck due to pandemic. I Was out of the country and I was not able to use the app. I was not able to access the Capital One site from outside of US. Also emails from Capital One kept on going to XXXX. I finally was able to get phone service in mid XXXX ( around XXXX XX/XX/XXXX ) to be able to talk to Capital One. 

Again, this was a situation that I could not control. It was not a money issue. I had enough founds to make the payment but I was out of the XXXX with a lot of restrictions. I ams asking an adjustment to this late remark that is killing my financial life. I have also suffered emotional stress. I need a fair solution asap. 

All I am asking is this late remark to be removed or this month to be reported as " no data ''. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I am writing today in regards to my lease account with VOLVOCARLSE account # XXXX. The reason for writing today is in regards to the late lease payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Score Decrease Your FICO Score has decreased by XXXX points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your XXXX  Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  Credit Monitoring & Alerts. 

What is XXXX  Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

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 2021-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Score Decrease Your FICO Score has decreased by 3 points. 

Today Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

Today What happened? 
XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX XXXX XXXX XXXX What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes Experian Credit Monitoring & Alerts.

What is Experian Credit Monitoring & Alerts? 

Close I did not apply for, nor have I ever applied for a XXXX XXXX account of any kind ( credit or otherwise ), ever! 

Dr. 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 2021-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MN

Complaint narrative:
LoanCare took over the processing of my mortgage loan from XXXX XXXX  XXXX XX/XX/XXXX. I went through the process of setting up a new account there their process. Now when I try to log in I get an error. I have worked for 4 days with LoanCare to try to get them to help me work through the problems. They continue to lie, make up excuses why things are not working to no avail. It takes 1/2 hour to get through to a real person every time I call them. I have spent over 8 hours trying to work with them on the phone, but they keep telling me to try again in 1 hour, 1/2 hour, next day, but when I try again, the same problem arises. Have be on calls with them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the latest attempts to get this solved. It also took 3 or 4 days last week to set up the account. Many problems there, but those have been resolved. But what good does it do to set up an online account if you can not log in? 

Also I was set up to make payments automatically with the old mortgage processing company XXXX XXXX  and LoanCare says that will continue with them. However the payment has not been processed and I have not been credited with the payment so I am incurring increased interest charges since the payment has not been made. I am concerned if I make another payment at this time, they will all of a sudden process both payments since their IT systems are so bad.

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