vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-08 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-01-08 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: FL

Complaint narrative:
Retaliatory, discriminatory, unethical business practices should be investigated. How is it in XXXX Transunion reported I owed XXXX XXXX approximately. After writing the CEO or Multiple complaints the amount changed to XXXX to XXXX additional different amount this past year. XXXX falsified a letter with an address that was never my address stating they gave me an option to buy back the vehicle. Only after in XXXX I detailed all of the Texas State violations they were guilty of. They regurgitated my violations in the so called letter. I paid of my current vehicle instead of improving My credit Transunion union reclassified XXXX on XX/XX/XXXX as delinquent auto. Where is this legal or ethical? In one year I successfully had 4 collection items removed multiple debts paid in full and Transunion refuses to increase my credit score, I dont know what else to submit for an investigation. My only alternative is to sue.

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX you were my account number is XXXX checking account was compromised on XX/XX/XXXX somebody stole my wallet my debit card all my files out of my vehicle my phone was stolen which had access to all my PIN numbers and all my passwords and they went to the bank and started with a mobile deposit of {$850.00} and then they went through {$100.00} {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX all of these were unauthorized transactions I did not authorize these at all Wells Fargo allow these overdrafts to go through up to {$710.00} they have never allowed that much to go through on an overdraft on my account ever why they put that through I do not know my pin was possibly written down on the back of my social security card that was also in my wallet to the ATM closet they had taken when I reported this to Wells Fargo I had an appointment at the branch the banker told me that they could only freeze my account they would not be able to close my account due to the underlying issues I was not okay with that so he said they froze it and that nothing was going to go in and out of my account on the 3rd they put my social security direct deposit through for {$1100.00} they took {$710.00} and made me pay for all of those fees and charges they made me pay for their mistake of overdrafting my account way above the limit when there was no funds in the account it was at a zero balance which should be on call for I've never had a problem with this Bank I've had always a good outstanding account after they took my money they close my account immediately and it's not even been the 10 days has not even been up so I paid for their mistakes of {$700.00} they lied to me they did not honor their zero protection liability and credit me back like they said they were going to be crediting me back for all reversal give me reversals of all charges and fees and then they stole my check the only income that I received from social security why are they even closing my account when they're not even finished with their tendon 10-day investigation process and number two why are they letting these unauthorized withdrawals of up to {$700.00} to go through on my account when they have never in the past allowed for my account to be overdrafted more than {$200.00} limits this is their mistake and I should not have to pay for these mistake and they should not have taken my only income that I received from social security and then they should not have closed my 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 2022-01-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contacted Experian several times in writing within the past 4 months including phone calls to remove names from the Credit Profile attached to the social security # ending in XXXX and they have not removed them as of XX/XX/XXXX. 

The following names must be removed immediately as they are not mine or I have not given explicit written permission for any person, natural or otherwise, to use them. 

XXXX XXXX XXXX Name ID # XXXX I do not use my name in this manner XXXX XXXX XXXX Name ID # XXXX This is not me!!! 

XXXX XXXX Name ID # XXXX This is a wrong iteration of the name, which is in proper use in the credit profile. 

Please remove these addresses as they are incorrect and I have never lived at these addresses and/or they are no longer associated with me : XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family old address from 30 years ago ... remove immediately! 

Please remove these phone # 's as they are not associated with i ; the man, XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX XXXX XXXX the XXXX Privacy Act I have the right to correct any records associated with my information ( property ). 

The following names must be removed immediately or Experian can pay me $ XXXX since the inception of using these false, fictitious, misleading names, according to 18 U.S. Code 1001 - Statements or entries generally, 18 U.S. Code 1341 - Frauds and swindles. 

please correct this immediately!

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 2022-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC
State: PA

Complaint narrative:
Dear Representative, I am in a situation that is very complex. A creditor ( XXXX XXXX XXXX  ) sold my debt off to a debt collector/agency who has never contacted me about it. I lost track of the debt, as I had moved several times and had a tough time with job loss and financial difficulty in XXXX. As a result of my effort to clean up my credit reports, I found out that the debt still exists and has been reported as " sold to another office/agency '', balance 'charged off '. 

There were never any attempts by the debt agency, JTM Capital Management LLC, to collect the balance they bought from XXXX XXXX XXXX. The debt amount was last reported as {$550.00}. I have yet to receive any sort of correspondence validating this. 

I have no way of getting in contact with this JTM Capital Management LLC. They have been flagged as having a history of too many complaints by the XXXX ( https : XXXX ) and none of their phone numbers given to me by XXXX XXXX XXXX are active : XXXX, XXXX. 

I've spent hours on the phone with XXXX XXXX XXXX, the original creditor to rectify the situation and I've asked them many times for help. The only response they give me is to contact the debt agency and let the credit reports know by submitting disputes. I've done all of this and noone is able to help me remove this debt from my report. I am willing to pay this debt but there's noone I can pay it to. 

I've submitted two disputes to XXXX. XXXX reached out to XXXX XXXX XXXX concerning the dispute and the bank keeps telling them the debt is legit, yet they have no way of getting me in touch with the Debt agency that has this debt!!! 

I am very disturbed and very concerned about the behavior and function of XXXX XXXX XXXX XXXX credit card department as well as XXXX 's inability to rectify or help with this situation. I have no other place to go and hope you can help me. All I am trying to do is get a hold of the JTM Capital Management LLC debt agency who has my XXXX XXXX XXXX debt so I can pay it off and remove it from my reports! 

I have also reported this as a complaint to the State of Missouri 's Attorney General 's office. This is where XXXX XXXX XXXXi is head quartered. See attached letters. 

Please please help me! 

XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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 have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: SC

Complaint narrative:
To whom it may concern, We have repeatedly contacted Veterans United home loans for a solution to get back on track. After ending our forebearance because of covid I Called in XXXX of XXXX for a payment plan, was told it was approved by Miss XXXX then never heard back from them about the amount of the payments the terms and when it was to be started. Called 2 weeks later, was told by another representative that it hadnt been approved, that we should do another month of forebearance and call back at the end of XXXX and request a deferral to the end of the loan. Called again and the representative stated only homes that were rentals qualified and that we qualified for a no doc option to finance the late payments and would be caught up, she supposedly submitted that option and said we needed to call back in a week or so to check. Called again and was told we were still waiting and to call back in a week or so, called back spoke to a representative named XXXX who stated the paperwork hadnt been submitted and that it was veterans Uniteds fault and now we needed to apply for a loan modification. After calling back yet again, we spoke to a miss XXXX who said we need to submit a hardship form and paystubs, she assured us that it would be ok. I called again and spoke to a miss XXXX who said we hadnt submitted documents needed and she submitted the no documentation loan modification as of today, she advised me to resubmit all the docs requested for the loan modification with our loan number to XXXX which I have now done twice. I was also told that back in XXXX a payment plan was approved but we couldnt use that option because we hadnt paid.again referring back to me calling in but never received any payment information-amount or when or termshow are we supposed to pay something we were never informed about. We beg you to please investigate this issue and allow us to have a repayment plan that we know the payment amount and dates, or deferral to the end of the loan, or an approval for the no documentation loan modification. We are desperate and the ball was dropped by veterans United home loans. We want to keep our home, we have the means to start paying but this mess has prevented it from happening.

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 2022-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
Foreclosure mediation ended in XX/XX/2021. XXXX XXXX, XXXX is the investor and Fay Servicing is the loan servicer. 

I am writing to complain about the practices of Fay Servicing and XXXX XXXX, XXXX. We just completed foreclosure mediation on a 15 yr old 2nd mortgage, where they have essentially bullied us into a payment we can not afford. Mediation is stated to be a negotiation but it is not. The handbook should specifically state that it is not. We tried to settle for a cash payment, they denied it then issued a 2nd modification offer that is XXXX higher than their 1st offer -- after saying they had to make a special income exception to issue the 1st. The orig loan was XXXX. It is now XXXX at 9.5 % interest which is outrageous. We can't afford rentals now and now we can't afford to keep our home either. Their first modification offer was XXXX. We counter-offered a cash settlement offer. They denied it and issued a modification offer of XXXX. I am a veteran and I was given bad attny advice by an attny who has since been disbarred and convicted for fraud. He told me this loan was discharged in bankruptcy and to not worry about it. He didn't tell me they could take my house. I am not trying to get out of it, I just needed a lower payment, lower int rate or longer term. If they could offer XXXX once, they could offer it again. I am set to sign modification documents in the next couple of days because I have no options left. I would like the govt to know that this company is forcing people out of their homes. Read reviews about them. Also, you can NEVER speak to a person. They don't respond to calls or voicemails. Their business practices are unacceptable. I would love the govt to intervene on my behalf but I realize that's a pipe dream. But he should know what crooks these companies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank issued me a credit card in XX/XX/2006 when I was XXXX XXXX XXXX. Pursuant to 15 USC 1637 ( c ) ( 8 ), Capital One Bank violated federal law as opening the card account was prohibited. I did not have a co-signer nor did I have any income as I was a full-time student. The address on the statement attached indicates it was mailed to a dorm room at XXXX University. 

( 8 ) Applications from underage consumers ( A ) Prohibition on issuance No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). 

( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

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 2022-01-08 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On Thursday, XX/XX/XXXX. I went to the XXXX XXXX XXXX of Citibank at XXXX XXXX  XXXX XXXX. Where I have a safe deposit box. There was a sign saying " temporarily closed. '' It suggested I go to XXXX, which would not help me as my safe deposit box is here. 
The next morning, XXXX XXXX, there was 8 inches of snow. After digging out, I called the bank to see if they had reopened. The number actually sent me to another branch. A recording said " all representatives are assisting other customers '' and referred me to a general customer service line. I waited 26 mins for a representative who assured me that she would get in touch with someone at the branch. After 18 minutes and several I need to place you on a brief hold, '' assurances, she told me she was unable to contact anyone who worked for that branch or anyone who could access that branch. That was it. 
I went back to the website because I thought that maybe someone from another branch could help. It actually referred me to XXXX XXXX XXXX where again " all representatives are assisting other customers '' and the referral to the general customer service line. I could not do this any longer. I had to get my pre-flight Covid test. 
So now I find myself leaving the country for 10 days with no jewelry, and no credit cards because they are in my safe deposit box where I thought they would be safe, not inaccessible. Fortunately, I had my passport because I had misplaced it in the house. If they were going to temporarily close the branches because of COVID 19 lack of foot traffic, why did they fail to notify the clients of this decision? How can they just hold my possessions, charge me a fee to do so, make my possessions inaccessible and fail to keep me informed? Had my passport been there, I would not be traveling tomorrow. As it is, they have put me at a tremendous disadvantage. I am carrying a large sum of cash but not enough if something really goes wrong. That is unsafe. Also, I have to deal with changing currency. All of this causes unnecessary inconvenience and hardship for me. What if I needed my deed, the title to my car, the power of attorney for each of my adult children? How is it possible that no one at Citibank has any answer for me other than to refer me to a number that sends me to a service representative that can not help? The alternative branches can not help because they never pick up the phone. Chat can not help because for this matter you need to speak to a representative. I am paying for access to a safe deposit box to which I have no access. 
I need to know when I can have access to my possessions. Citibanks behavior is unconscionable, irresponsible, dismissive.

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Netspend Corporation
State: PA

Complaint narrative:
netspend made too many excuses why they dont want to shut my account down one reason is so they can steal from me

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 2022-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
In XX/XX/XXXX, Navy Federal Credit Union accepted fraudulent information to open a checking and savings account for XXXX XXXX. After numerous phone calls, emails and letters, the account was closed XX/XX/XXXX although mailings continued through XX/XX/XXXX. Requests for information to help identify the perpetrator were made beginning XX/XX/XXXX and continued through XX/XX/XXXX. This included CFPB intervention [ XXXX ], phone calls and registered letters. NFCU informed XXXX, XX/XX/XXXX that a notarized signature, police report and driver 's license were needed to release information ( which is more documentation than that required of the perpetrator ). The information was received by XXXX XXXX, Assistant Vice President Security and Operations via registered mail on XX/XX/XXXX. NFCU has not provided the requested information or due diligence for our mutual protection.

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 2022-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The following debit card transactions of withdrawn money were made without my knowledge : 1. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
2. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
3. On XX/XX/21, {$1000.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 
4. On XX/XX/21, {$250.00} was withdrawn from my account at XXXX XXXX XXXX, XXXX. 

I reported these transactions to TD Bank, at XXXX XXXX XXXX, XXXX. TD bank wrote a statement in-house.TD bank did not credit back my account.

Company response to consumer: Closed with explanation