vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical-Commercial Audit Inc
State: IL

Complaint narrative:
I never signed any note with this company stating that I would pay them for services. I never gave permission to this company or any other company to report my personal information to another company or consumer. I called to rectify with company and was put on call block list and was told that they would cease and desist communication with myself and credit bureau but I am still seeing mca management listed on my credit report I would like all information from mca removed from my credit report

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 2021-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Experian has an address for me in New York. I have never lived in New York. That address belongs to XXXX XXXX XXXX. Current location unknown.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 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: WA

Complaint narrative:
I have disputed 3 accounts that Experian are negatively affecting my credit. They have failed to send me any documents as to how they investigated my dispute or send me any information that verified the debt they claim I owe. I am certain that the items I disputed are incorrect and should be removed immediately. I have also disputed the fact the have so many different names for me on file.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I did purchase the air tickets through the credit card during the pandemic period and the flights got cancelled and i did request the concerned flight ticket to refund the ticket expenses and did try to request the credit card people to not to charge interest on that specific amount and asked them to dispute the transaction. None of them are supporting my case and are continuing to charge interest and i keep paying to wait for the result it kind of mental tension to me..i keep on paying they don't even support with the pandemic crisis and still XXXX the blood of customer who tend to maintain good credit.

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 monetary relief
Consumer complaint received 2021-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2021-09-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, I have a credit card with Home Depot. I've had the card for about a year I think. I try to always pay my credit cards on time. Every single month, I try to log onto my account and the login on my phone states that it is the wrong password. I then change my password ( This happens every month!!! ). I usually get into the account by changing my password on a monthly basis. I now have it on a post-it and stuck around my credit card and I couldn't even get onto my acct yesterday at all even after changing my password, so I called the customer service number on the back of my credit card and I got connected to some woman that wouldn't stop talking and wouldn't take a breath to sell me some kind of insurance. I hung up on her and called back and finally got to pay my bill. This is an ongoing problem every month. I really wish I had the money to pay the entire balance now and close the acct. This is beyond annoying and way too much work to pay a bill. I can't be the only one having this problem. Is this so I can incur late fees for not paying a bill? I have contacted Home depot numerous times and they send me texts that someone will contact me and they never do. ( I still have those texts ). Sick to death of this

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 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
XX/XX/XXXX - requested funds iao {$500.00} to be withdrawn and transferred to personal bank account. 
XX/XX/XXXX - contacted MoneyLion.com support via email inquiring about transfer request, as expected 7-10 business days passed, no funds or notice of delay. Was advised transaction was cancelled and ticket was being closed. Inquired as to why due to no resolution.

XX/XX/XXXX - requested funds iao {$1000.00} to be withdrawn and transferred to personal bank account.

XX/XX/XXXX - Spoke with XXXX on the phone at XXXX XXXX, EST, who advised my transaction was again cancelled. When advised I wanted the funds in the account sent to a different account and close my account, XXXX advised permission was needed to liquidate due to the amount in my account, as it exceeded the maximum transfer amount of {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC.
State: NJ

Complaint narrative:
XXXX XXXX auctioned my property off on XX/XX/2021 when I was current and had no issues with my mortgage and payments. They never warned me or notified of any pending sales. 
XXXX refused to admit they made serious mistakes in their accounting and probably dismissed all documents I sent them without taking a look. 
On XX/XX/XXXX The Superior Court of New Jersey, XXXX County ordered them void the sale and return all property documents to my name. They still have not complied with the court order. 
Now, Kondaur Capital, LLC, Is now threatening to foreclosure on the house even though XXXX have not complied with the Court Order and may have no standing to foreclose on the property. Kondaur is the second mortgage company/servicer to contact me. The first company was XXXX. 
I need help with dealing with these myriads of financial and mortgage company who are playing with people 's lives and destroying families. 
I did what I was supposed to do. 
Thank you XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hi, I was charged for a total of XXXX $ for two items from old navy online on my banana republic store credit card in XX/XX/2021. Since I didn't recognize the purchase I contacted the credit card provider sychnrony to dispute the charge. They immediately reversed the charge and confirmed that yes there's indeed a fraud alert on it. Now in XX/XX/2021 I receive a email that there is a XXXX $ outstanding balance on my credit card ( two items with the reference codes of XXXX and XXXX ). When I check the portal, it mentions that I'm charged for a balance transfer of XXXX $ on XX/XX/XXXX. I contacted the synchrony about this charge on the banana republic store credit card, and they mention that they have determined to reverse the fraud claim without providing any explanation or even notice of charge. I just got notified on XX/XX/XXXX as part of routine monthly messages about my credit balance due information at each month. They need to at the very least provide an explanation on why they refused the dispute. The charge was a fraud, but the charge itself is small. My main worry is the experience that I had on the process. They take no responsibility and accountability in clearing the matter for me, so I'm not sure how I can trust them

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 2021-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ADP Inc.
State: MA

Complaint narrative:
I was hired by my employer in XX/XX/XXXX. I set up a direct deposit from my paycheck to a XXXX XXXX XXXX  on XX/XX/XXXX. Unfortunately, I did not keep an eye on these transactions and lost tabs on if the money made it to the account during the following pay periods. Fast forward to XX/XX/XXXX and I realized the XXXX account I set up did not have the amount of money I thought to be in there. I stopped all transactions at that time. After speaking with XXXX, they confirmed the account was set up but no transactions occurred. After speaking with my employer 's HR, they contacted ADP ( only employers can speak with ADP ) and it began a ping pong of me going between all parties to locate my money. I spent countless hours on hold, waiting for responses, sitting in XXXX branches, follow ups, etc. We were able to locate the money, where it remains, with XXXX in a " lock box '' account which belongs to " XXXX '' which is a XXXX XXXX XXXX. Due to the fact that I do not have a XXXX  account, I can not be tied to this lock box and thus can not recover the funds. ADP has refused to do a trace and recall because the transactions are " more than 60 days old '' ( XXXX advised me this is illegal and ADP should have many years of records ). My employer doesn't see how they can help me at this time and refused to assist further. I have documentation of my dialogue with my employer 's HR, confirmation of account set up, and tracing numbers of deposits that are linked to XXXX and the aforementioned " XXXX ''. I am in need of a resolution as this has been mentally draining and time intensive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was several months behind on my mortgage due to income loss. I had applied for modifications and because I was in a hurricane zone after Harvey I received another reprieve. That took me to 2019. I requested another modification and even asked about tacking on the outstanding balance to the end since I had recently gotten a new job that would afford me the ability to pay my taxes and mortgage. U.S. Bank told me no, because I wasn't making enough to pay off the {$20000.00} I was behind plus my mortgage in 6 months. At the time, I had between $ XXXX {$30000.00} in equity in my home based on the comparables that U.S. Bank 's representative that took pictures of my home and provided the value of my home. I was told U.S. could not do that for me. So, I attempted another modification. I sent in all the paperwork based on what was sent to me from U.S. Bank via U.S. Mail. By XXXX/XX/XX/2019 I received a rejection stating that I didn't submit a complete packet. 

I inquired about what was missing and I was told my income tax information was missing. I let US Bank know that I submitted the transcript request form for the IRS that was in the modification packet. The representative from U.S. Bank told me that eventhough they sent the form to me, they no longer use the form and there was no way for me to modify my mortgage because of the missing IRS information. 

My house then went to foreclosure and my home was taken from me. 

I felt that as a single XXXX American woman, I was discriminated against in the handling of my mortgage. I felt that my history prior to my loss of income was proof of my worthiness, but US Bank obviously saw it differently. 

I would like to know if XXXX Banks decision to foreclose on my home was congruent with home owners in similar situations ( equity in home, new job ) and with government expectations/considerations/laws at that time?

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 2021-09-23 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: AR

Complaint narrative:
XXXX  XXXX  service has been attempting to collecting a debt. XXXX  when they were dispatched and were paid by insurance company. They continue to slam my credit with no attempt to contact me. The episode was over 4 years ago. Made attempt to have removed by Transunion but was declined. 

In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).

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 2021-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I opened an account with credit strong on XXXX XXXX 2021. XXXX bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually jave a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.

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 2021-09-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I opened an account with credit strong on XXXX XXXX 2021. 1st bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually XXXX  a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: PA

Complaint narrative:
A checking account was opened at Comerica Bank in my former name of XXXX XXXX using my SSN and date of birth. 

I never opened an account at this financial institution. A fraudulent check was deposited into this account and the check did not clear. The account was flagged as fraudulent by Comerica Bank and closed. I was notified of the activity through USPS mail.

I reported this to the Fraud Department at Comerica Bank and opened a police report with the local authority. Report is XXXX. 

Regards, XXXX XXXX XXXX ( formerly XXXX XXXX ) XXXX XXXX XXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I agreed to loan consent and started the refinance process. On XX/XX/XXXX I paid the up front fees and signed my disclosure. I uploaded all required documents and my home was appraisal was made available to me on XX/XX/XXXX. XX/XX/XXXX I was contacted by my loan processor, who informed my loan application status was in review. On XX/XX/XXXX my loan approval package was available to review and was signed electronically. XX/XX/XXXX I was told my status was XXXX XXXX XXXX  Approval Final from my processor and was updated on title work was beginning. XX/XX/XXXX title found a judgment against my ex-husband that was paid and fixed. XX/XX/XXXX my loan was still in XXXX XXXX XXXX Approval Final from loan processor. XX/XX/XXXX loan processor let me know my file was in underwriting. XX/XX/XXXX updated by loan processor that my loan was XXXX XXXX XXXX Approval Final- file is in underwriting. On XX/XX/XXXX they pulled my credit for a second time, without informing me that they were going to pull my credit. I gave permission on XX/XX/XXXX for my credit to be pulled, which it was, however, I was never told my credit would be pulled again. That left me with another hard inquiry on my credit report without being told they were doing so. I only found out, because XXXX/credit updated that my credit had been pulled and was contacted by lender after they found I had opened a new line of credit and they needed information on it. Overall, the communication has been lacking and it seems like 172 days to complete a refinance is excessive and the communication has been lacking on the lenders behalf. I am very disappointed and looking to cancel the loan application. Since they pulled my credit again on XX/XX/XXXX, I am looking at other mortgage companies since it will be within 14 days and wont count against my credit with multiple hard inquiries. I am very disappointed in the entire process and I was already a citimortgage holder.

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 2021-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Back when the pandemic began my XXXX  slowed down and I wasn't able to pay my American Express XXXX XXXX and my XXXX  card was canceled and reported on my personal credit report as a charged off which tanked my credit. At the time I have accumulated over XXXX points with a cash value of over {$4000.00}. The unpaid debt at the time was {$39000.00}. This debt was sent for collection to a third part debt collector XXXX XXXX  XXXX out of North Carolina. I made an agreement that I will make the payment immediately XXXX  resumes since we are in a pandemic. The agreement was that I will payoff the whole debt, my account will be reinstated and I can recover the points that were forfeited when the card was canceled. By XXXX of this year I paid off the whole balance and I was informed that my account will be sent for reinstatement. So far I have made several phone calls and follow ups. No one knows what to do with my account or are telling me that I owe them money on a different account that was opened back in XXXX. 
They are saying I owe them over {$1600.00} on an account that was opened in XXXX. They are saying to reinstate my account I have to settled this account that I have no idea of back in XXXX. Back in XXXX, This same account was resolved with American express. I was not aware of this account at the time and not responsible for any of charges on it. American Express at the time has agreed to remove it from all credit reports and release me of responsibility of the account. It looks like they have not updated their internal records to reflect the release agreement I had with them. This is a violation of the agreement releasing me of responsibility of the account back in XXXX. I am attaching copies of the agreement I had with them back in XXXX. The last 5 digits of the account is XXXX and the reference number to this case is XXXX. In the past, this same case has been used to deny me credit with American Express which I believe is an unfair denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
I reached out to AmSher Collection Services on XX/XX/2021 asking for VALIDATION of account XXXX XXXX. I was not sent any VALIDATION I was only sent a statement. This is not any VALIDATION the account belongs to me, I demand this account be removed from my credit profile immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation