vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am the trustee of a trust. This trust owns a business. This business is in the process of opening an account at Navy Feceral Credit Union. NFCU wants me to fraduelently sign documentation stating that I am the owner of the business, when I am not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to open an account for the Citibank located on XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I explained to teller that I froze my information due to identity theft issues and that I did not want to apply for an account without first making sure I was able to do so. I received a confirmation that my account was opened on XX/XX/2021. I contacted the personal banker XXXX XXXX twice every 48hrs and he explained twice that the application was still in review, even though I have received two email notifications about account XXXX being active in my business name. I decided to go to Citibank, N.A XXXX XXXX in-person, and they explained to me that the whole time this account was closed. According to the Fair Credit Bureau Act a creditor must notify the applicant of adverse action within 30 days after receiving a complete credit application. I still have not received any information about this account. They have now stated that they have no information whatsoever about my business account

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 2021-08-02 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: Shellpoint Partners, LLC
State: NC

Complaint narrative:
XXXX has wrongly put late paymnet on my account. i have conteacted XXXX in XX/XX/2021 but no issue resolved. I have contacted company new rez for this and they said its XXXX who has reported wrong. 

I am attaching letter from new rez company. I am strugling to get loan since becuase of wrong details on my account. 

can you please fix remove it from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: CA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Aldous & Associates, PLLC
State: CT

Complaint narrative:
on XX/XX/21 Aldous & Associates P.L.L.C. Collection agency add a derogatory mark in my XXXX credit report per XXXX XXXX, upon further research this account was transferred sold and I no longer responsible for this account debitor creditor did not verify this collection also, there was no written terms of communication, contract or signature for this accused debt at all.a bill with out signature does not validate this debt and anybody can send a bill and say is mines. According to the FCRA fair credit act, aldous collection agency has violated my rights as a Cosumer and Im requesting legal action to remove this account immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
XXXX listed a fraud account same service address:XXXX XXXX XXXX XXXX California twice the first time with a collection agency XXXX XXXXXXXX XXXX. I filed a police report. I filed a cfpb report. I never lived in California. XXXX was supposed to correct the collection agency, and have my XXXX Report corrected. I thought it was over. I was wrong. XXXX assigned an account with another collection agency, Waypoint and they reported it to XXXX who alerted me on XXXX. I contacted this Waypoint who supplied me with the service address XXXX XXXX XXXX XXXX California XXXX. I called XXXX and asked them to fix this they gave me a very hard time. Please help me. This has to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hi Someone hacked my Chase Bank Account and did 31 wire transfers. Everytime, I usually do a wire transfer, I get a phone call with a 6 digit code chase provides. The fraudster was able to bypass this and run 31 transactions. Chase never called me to even ask are these activites fraud?? each transaction is 2 days apart. I never do this many transactions. They stole over {$120000.00} and Chase is not giving my money back. 

I called them and it took them over 1 month to have someone help me set up a special log in procedure. No service has been done by Chase. It is over 2 months I have put in this claim and still no money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX XXXX XXXX  sent my check # XXXX to my Walmart/ Capital 1 card in the full amount WITH PLENTY OF TIME, as i usually did. The card Bank had changed to CAP 1.. They either lost my check in their mail, or did not get it. My credit at the time was XXXX Excellent.. They wanted a late fee. I told them to wait and check for the mail, as the Post Office was having problems delivering and Covid was at a high. I also mentioned to them i was not responsible for Post Office problems.. They did not find the check, so i sent another one to them on XX/XX/XXXX # XXXX along with a copy of my checkbook first mailing of the first check.. They then hit me with another late fee saying the second check came 1 day late. I told them that no other Credit card i had would treat me like this and would have dropped the fees. After speaking with many Mgnr 's and many letters from cap 1 Bill. They always said they could do nothing. And the fees grew from around {$29.00} to XXXX i Sent letters online to Walmart and paper to the credit card Co. Told them i would not pay this abuse, that this was despicable action against a XXXX yr old Senior.. they knocked my credit down to XXXX. And got a collection agency after me ; after explaining to the collection agency the situation they dropped the case and notified the Credit card Cap 1. My credit has improved to FICO TO XXXX GOOD. BUT WANT MY EXCELLENT RATING RESTORED. And warned Cap 1 i may take them to court and sue them .I would appreciate any help Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
For about 20 years I have had 2 checking accts and 1 savings acct with Citibank. I am a gold card customer for the last 15 years. I currently have a combined balance of over {$71000.00} in those 3 accts. During this time period my combined cash balance has been as high a {$300000.00}. I retired in XX/XX/2014 and my wife and I moved to the XXXX, but I have always kept a California address on record with Citibank. A review of my online citi profile shows my XXXX, California address. My current Soc. Security monthly payment covers only about 2/3 of our living expenses so each month I need to withdraw about 1/3 of our living costs from my Citi Sav. Acct. I do not have an I-phone. I only have a standard domestic ( XXXX only ) cell phone. If I have to actually place a long distance call to USA, it takes me about 1.5 hours to go into town, get a special phone card load, return home and place the call. 
In late XXXX or early XXXX this year I had to go online and ask Citi 's CHAT ROOM employee to help me " activate '' the new Debit Card Citi had sent to my XXXX address. I was treated very properly. I gave the Chat person a very good rating in the after service review. A few days later, I had to use the CHAT service again. I got XXXX and later XXXX  on CHAT. They treated me like i was a piece of XXXX during the CHaT call and I gave them a very poor after service rating. 
Shortly thereafter, someone put a block on all my citi accts, and I have since been unable to go online to get my money. 
I have gone to great inconvience and cost to call Citi twice ( most recently on XXXX ) to get the block removed, but they refuse to do so. I have tried the CHAt service several time to remove the block but they refuse. When I call XXXX miles to Citi in USA, they tell me my identify information does not match their file info so they refuse to help. The CHAT person keeps telling me to again call the USA phone number. I have explained to the CHAT people and to the USA citi people that I am going broke. Without the additional 1/3 living expense money, I can not pay my rent, nor buy food, or have the XXXX I need. 
They intentionally pass me back and forth between CHAT and USA people. This hiding of my money ( denying me access ) has caused me such stress that I need to see my doctor for my XXXX XXXX. This is now the second month that they have denied me access to my funds. And I can not use either of my Citi credit cards because citi cancelled them in XXXX, w/o notice, claiming that I do not have a USA address. I need the recommended XXXX but the hospital /doctor will not schedule it without advance payment, which I can not get because my accts are blocked. I am XXXX years old. I want and need access to my funds, not excuses that they can not verify my identity.

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 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
On XX/XX/2020, I was approved for a car with XXXX XXXX XXXX of Virginia. I live in Maryland and had to catch the subway to XXXX where I joined XXXX to take me to the dealership. Upon my arrival, the documents were already laid out for me to sign. It was approaching closing time and I was urged to without even time to read what I was signing. The lady told me that it is past closing time and she had to go. I had to sign. I was able to see after signing that my monthly payment would be {$480.00}. The amount of credit was {$18000.00}. And the finance charge will be {$14.00}, XXXX. All this came to my knowledge after I finished signing. There was no turning back, it seemed. 
Two weeks later, the Covid Pandemic struck. I lost time at work but I still managed to be making payments. After paying close to {$9000.00}, the XXXX I financed, has gone nowhere. 
I called Credit Acceptance and they told me there is nothing they could do. 
I tried to refinance the car with XXXX XXXX, they would not. They said i owe more on the car than the car is worth. The car is used and is beginning to require serious maintenance.

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 2021-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I discovered on XXXX that Citi had placed a " roadblock '' webpage after entering my correct user ID and password into both their online banking platform and mobile banking app. This road block had to have been placed within the last four days. The road block webpage required that I enter a card number for card activation. I was confused as I only use a citi credit card, and that card was in my possession, active, working and doesn't expire until 2024. I am now anxious about fraud and even more worried about gaining access to my account information to make sure someone wasn't using my card or savings account, but there appeared to be no way around the roadblock. I tried different web browsers, the mobile app, made sure correct web address, looked at citi for messages about any problems with their website, etc. etc. No luck. I'm extremely anxious now that someone has gained total access to my account ( s ) and ordered new credit cards. 

After a long and painful phone call with citi customer service, I uncover that they have blocked my access to my account information until I activate an ATM card I received when I opened an online savings account with them approximately one year ago. I had no use for the ATM card and didn't want to activate it. Why activate a card I won't use? To me that would just be opening another avenue for a fraudster to gain access to my funds. 

However, Citi decided they were willing to hold my own account information hostage in order to force me to activate one of their products that I didn't want to activate. Does that sound like a proper practice ... ... ... ..the answer is no. But their hostage taking worked, as now I have an activated ATM card and access to my account information.

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 2021-08-02 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
Mountain Land Collections is reporting accounts on my credit file that I need removed. I have sent them several letters and have not received a single correspondence. This debt has not been validated to me and per all the letters sent, if this is not validated, it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2021-08-02 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
BACKGROUND : In XX/XX/XXXX I was offered and accepted a 3 month forbearance on my Navy Federal Credit Union Mortgage. in XX/XX/XXXX the forbearance was automatically extended for an additional 3 months. In XX/XX/XXXX I was offered Covid 19 Post Forbearance options. I chose the Flex modification option. In XX/XX/XXXX I was presented with a Flex modification offer, in XX/XX/XXXX I accepted offer and made 3 trial payments in accordance with terms of offer. in XX/XX/XXXX i was presented with and signed final Modification documents. 

COMPLAINT : In XX/XX/XXXX there was a significant decrease in all 3 of my credit scores ( XXXX, XXXX  and XXXX  ). They all reported delinquency in the payment of my Navy Federal Credit Union Mortgage. in XXXX I contacted Navy Federal Credit Union concerning the derogatory credit report. I was told that it had been turned over to a representative for resolution. when I contacted the representative he confirmed that my covid 19 forbearnce should not have negatively impacted my credit. he also stated that an investigation would be initiated within Navy federal Credit Unions credit reporting department. I have been contacting Navy Federal Credit Union on a monthly basis since XXXX but no resolution has been reached and it appears that no actions at all or being initiated. 

ATTACHMENTS : 1. copy of my complaint to Navy Federal Credit Union 2. copy of post forbearance options 3. copy of offer of flex modification 4. copy of final flex modification agreement 5. copy of mortgage payment history prior to forbearance and after trial period 6. copy of trial period mortgage payments.

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 2021-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
I am enrolled in auto pay with this company, due to system issues they have failed to draft my account on the payment date. I called the company and they confirmed and reassured me no payment was due. Today XX/XX/XXXX I noticed that auto pay did not draft again and gave them a call. They are telling me I am behind 16 days because of an issue on their end. They did not disclosed any issues to me! I live paycheck to paycheck and now I am behind on my payment and can not pay it! This is the XXXX time this happens since the loan was sold to this company without my knowledge in XXXX! I do not want them adding payments to the back of my loan that matures in XX/XX/XXXX I want the tittle to my car and this loan account CLOSED! I do not want to deal with this disgrace of a company. I never had any issues prior to American Acceptance managing my loan!

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 2021-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Have been clearing out my Credit Bureau report with XXXX, Equifax and XXXX. XXXX  has updated the paid balances, but Equifax and XXXX  have not updated. The Creditors continue to try to collect the paid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: NY

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: IN

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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