vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
The following companies withdrew money from my savings account with Citi Bank : XX/XX/2019 XXXX XXXX Remittance  {$1400.00} XX/XX/2019 XXXX XXXX {$6800.00} and {$6500.00} XX/XX/2019 XXXX XXXX XXXX {$7200.00} XX/XX/2019 XXXX {$4200.00} All transaction were done fraudulently and I have never had combinations with any of the above Companies until I started contacting the companies to report the transactions as fraud. 

Citi Bank not once contacted me to make me aware these transaction were being processed nor did Citi Bank ever return any of my calls when we would get disconnected. the letter Citi Bank sent me gave me incorrect information on how to contact XXXX XXXX and made me contact XXXX  XXXX XXXX to get the merchants correct phone number. Citi bank did not conduct an accurate investigation on their end is making myself do the investigation for them. I am their client and been their client for over eleven years and I am appalled of their customer service and lack of disregard for their clients. I informed the bank in XXXX to not further allow any company that tried removing money from accounts and they did do their job. They allowed 5 fraudulently transactions to post on my account from 4 different companies with out properly alerting or questioning the third party. 
When the incidents first occurred a representative informed me to go to my nearest branch and close accounts I had and to reopen new accounts. I did so and had to drive to XXXX, CT on XX/XX/2019 to do so. However once I opened my new account the wire transfer occurred again and once again without any communication from the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: NRA Group, LLC
State: VA

Complaint narrative:
National Recovery continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
my name is XXXX XXXX and santander bank formerly known as XXXX XXXX has blocked my checking and savings accounts. this was done on XX/XX/19. i have made several phone calls and emails and they refused to unblock my accouns i need help i am about to be evicted from my apartment and i have no access to my money. i need this problem to be fixed today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I refinanced my home in XX/XX/XXXX, with first payment due XX/XX/2019. I received a 'first payment letter ' and made the payment according to the directions in there from XXXX XXXX XXXX. 

I received a 'welcome letter ' from PennyMac on XX/XX/XXXX indicating the servicing was transferred to PennyMac . There is not an 'effective date ' on the 'welcome letter ' indicating WHEN the transfer was to take place. Also, the letter indicates " NO ACTION REQUIRED ON YOUR PART ''. Oh really? If i don't do anything, who is going to change the address in my bill pay to the new address? This is a misleading statement because in fact, action is required-records need to be updated to reflect the new payment address at PennyMac as opposed to the address for XXXX XXXX XXXX. 

Speaking of addresses, the 'goodbye ' letter from XXXX XXXX XXXX indicates " Send all payments due on or after XX/XX/2019 to the below address ''. While this is great as a cutoff date is provided, the address to send payments to is different than the payment address on the " welcome '' letter from PennyMac. How is a consumer to know which is correct? 
After spending 20 minutes on hold at PennyMac, the woman explained to me that the address on the 'goodbye ' letter was a 'correspondence ' address. Well, if it is a correspondence address, why does it say 'send all payments ... ''? Her response was along the lines of 'well yeah, but it is a correspondence address '. That is SO enlightening and helpful! Her instructions were to use the address on the 'welcome ' letter to send payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I got paid {$2000.00} usd from my VA benefits on XXXX, XXXX 2019. After receiving my money on Venmo services via XXXX transfer I paid my car note, got a hotel ( currently XXXX  ), and got gas and a couple other things. Upon my arrival at the hotel I booked on XXXX   with my Venmo card i tried to pay the {$10.00} early check in fee my card was declined. I go to the gas station next door to get money off of my Venmo debit, its declined twice. I call Venmo and the gentleman told me there were red flags in the internal system so they couldn't see why my car was getting declined or what the flags were, due to the fact they were system generated. He also told me my account was in good standings so he didn't understand why it was being declined. I got od the phone an at some point sent my fiancee {$1600.00}. After a full day of emails and calls still getting the same result I get an email late that night stating that my account has raised a red flag and had been frozen. After calling an emails the women informs me that I was in violation of the User Agreement, which they still haven't told me what violation accured, but also told me my account was permanently closed and funds were refunded back to my account. The {$150.00} that they froze an i tried to send via instant transfer, which wasn't available then sent standard transfer had been refunded back to my account. Now Monday XX/XX/2019 the XXXX transferred to my account along with the {$40.00} my wife sent me. 

My wife just received a email stating that the {$1400.00} i sent her has been flagged an under investigation. They have given no reason for the flag or no resolution. The email stated that it will take 180 days to reach a resolution. We are currently XXXX  because of this incident with no sign of it being resolved. I have screenshots as well as times and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have several old issues that have been paid but are still on my report that need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE

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 2019-11-05 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: FL

Complaint narrative:
Experian is reporting DUPLICATE accounts on the XXXX XXXX/XXXX/XXXX account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This is a violation of the Fair Credit Reporting Act and these two line items need to be removed from my credit report. This incorrect reporting of duplicate derogatory accounts is seriously harming my credit. I have contacted the bureau to remove these items 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 2019-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates
State: WA

Complaint narrative:
Going threw a divorce. Contacted greentree to get some help with payment modifications because now down to 1 income. Was told they could not help me because I wasn't behind in payments. Told me to skip a payment. Then they tried to foreclose on me. And I believe I missed out on some settlement because I had declared bankruptcy.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-05 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: MI

Complaint narrative:
There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: AK

Complaint narrative:
I have disputed information to Experian several times about a company called XXXX, who has been reporting to my credit report since 2004. Information on credit reports are not supposed to say longer than 7-10 years for starters. XXXX PROPERLY reports an account as closed and discharged in a Chapter XXXX bankruptcy with EVERY credit reporting agency, EXCEPT Experian. Experian has continued to allow this company to report negative, incorrect information to my report. I have followed all their rules. I have uploaded all the documents, certified copies from the court, copies of other credit reports, STILL they allow this to go on. THEY NEVER contact me when the " dispute '' has been " verified '', I have asked REPEATIDLY for them to send me PROOF of HOW they verified it, they won't. When I try to dispute it again, they say it has already been verified and I am not entitled to dispute it again. I AM BEYOND frustrated and do not know what more I can possibly do to get them to get this cleared up. PLEASE HELP!!! It is unfair and violates EVERYTHING about the FAIR credit reporting act. 

Attached is a copy of the closed account from XXXX XXXX showing the account closed in XXXX and XXXX XXXX. THIS is accurate. Now, if you can get EXPERIAN to update THEIR information CORRECTLY and STOP telling me they HAVE verified it as open and active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
XXXX XXXX continues to furnish information 12 negative accounts on credit file. According to FCRA anything that permits as a liability will be a HIPPA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
XXXX stated once account was satisfied, it will be removed from credit file. Account been satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX I DID NOT AUTHORIZE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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:
SOMEONE IS TRYING TO OPEN AN ACCOUNT UNDER MY NAME. I CALL THE COMPANY. I CANT GET THROUGH ITS AN INQUIRY FROM XXXX/XXXX  I DID NOT AUTHORIZE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
My complaint is about an automobile leasing plan I have with GM Financial ( account number XXXX ) and the frequently in error invoices they have sent me that have led me to make overpayments. The terms of the lease are that the monthly payment is {$230.00} per month plus the CT State taxes that are due once each year. 
1. The current invoice from GM is in the amount {$1200.00} that I assume is for the ( $ 237 monthly amount ) + XXXX XXXX taxes of {$560.00} ) = {$800.00}, resulting in an over-billing of {$470.00}. 
2. Also, according to my records I was billed twice for XXXX taxes, an amount {$520.00} x 2 = {$1000.00}, resulting in an overpayment by me of {$520.00}. 
3. Items 1 and 2 above have resulted in overpayment by me of {$470.00} + {$520.00} = {$1000.00}. 
4. The above discrepancies may be due to the fact that XXXX 's automated billing software is still in a beta form of development as evidenced by the following observations : a. The amounts stated by their automated telephone billing service do not agree with the printed amounts received by me via XXXX. 
b. XXXX can not explain why these differences exist, except to state that their software is known to be defective. They can not provide me with an accurate manually generated spread sheet showing the charges against my account and the payments I have made, which would allow us to pinpoint where their errors have been made and so that they may be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: PA

Complaint narrative:
I filed a dispute with Experian pertaining to an account on my consumer report.The account has collection listed date opened that is incorrect. Experian did not provide me with the method in which they verified the 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 2019-11-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-11-05 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Unauthorized Inquires are on my credit report as of XXXX XXXX, XXXX 2019. 
These inquires have dropped my credit score by 100 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AR

Complaint narrative:
Every other month Loancare send statements telling me I have a shortage just to get extra money from people so a shortage they said I had back in XXXX that had been paid off they are still making me pay on an Esrow shortage that I dont have and I have requested a them to update my esrow and they are refusing to do so so I will have to keep paying for something I shouldnt be paying for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, I was in XXXX ( located at XXXX XXXX XXXX, XXXX NY XXXX ) and after I made a purchase I either lost my ATM/Debit Card, or it was stolen. 
The next day when I called my bank ( TD Bank ) to check my balance I found three unauthorized transactions on my account and told the bank representative that I did not make these three purchases. The three unauthorized transactions were another transaction at XXXX, a transaction at XXXX XXXX XXXX XXXX and a transaction at XXXX XXXX. 
When I informed the bank representative that I did not make these purchases, I started a fraud claim with the bank. The next day I was told that the bank believed that I made those transactions and that they were not fraudulent because the transactions were in-person, using my bank card. I did not make those purchases and closed my claim. 
I demanded to speak with a supervisor. The supervisor informed me that because the bank believes I did make those transactions, so I must file a police report for the bank to refund the stolen money. 
I went to the police department on XX/XX/2019, and filed a report with the detectives. The detective was able to obtain surveillance video and pictures from the video which he showed to me and gave me copies of. I gave the report to the bank, along with the pictures. The pictures show a young XXXX woman using the card to make the transactions. I am an old XXXX woman. Clearly I am not the person in the pictures making these purchases. 
Since giving the report and the pictures to the bank I have called for updates on at least three occasions. The bank 's fraud department tells me that my first claim was denied and they do not see a second claim ( the one with the police report and pictures ). I have asked them reopen the claim with the supporting papers, but they tell me I " probably won't get the money back anyway ''. 
It was not a lot of money ( {$230.00} ), but I am an elderly woman and a very fixed income. That was all the money I had for my food and medicine until my next social security check. 
The bank has been rude and unhelpful, accusing me of making the purchases when I clearly have not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 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 submitted to Trans Union information showing that I have been an identity theft victim, pursuant to Section 605 ( B ) of the Fair Credit Reporting Act. According to that Section, Trans Union is required to block the incorrect information within four ( 4 ) days of receiving my dispute, unless Tran Union provides me with specificity from the Section a legal reason why the information is not blocked within the allotted time. Instead of following the law, Trans Union deliberately chose not to block the information and allows it to continue to be viewed by potential creditors who have requested my credit file. The information, including fake names, fraudulent accounts, wrong addresses, unauthorized inquiries requested to be blocked under the Section are  attached hereto. Specifically, I requested that Trans Union use my correct, legal, and only name XXXX XXXX ; my address as XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, Florida XXXX ; my former Address XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ; my current employer XXXX XXXX, and NO former employer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Preferd CR # XXXX is reporting a charge off collection to my credit that is past the Colorado statute. I no longer legally owe this debt and I would like the account to be removed off my credit.

Company response to consumer: Closed with explanation