vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
XX/XX/2021 received a text from TD Bank that a checking account was opened in by me ( XXXX XXXX XXXX ). I had not opened account. Called TD Bank immediately and they were very helpful. I was passed to their Fraud Department and they confirmed a fraudulent account was opened. They confirmed by social security number, address and email had been compromised. TD Bank also confirmed a business accounts I was formally a co-signer was not compromised. TB Bank confirmed a closure letter for all accounts opened would be mailed to me within XXXX weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
On XX/XX/2021 Hyundai Motor Finance received a payoff on my auto loan. 
I had refinanced my home and they had sent a check to pay the Hyundai loan in full. 
Unfortunately the check overpaid my loan by over {$1000.00}. I called them on or around XX/XX/2021 to inquiry about my refund. They said that they would issue a check which supposedly they did and sent to an old address which wasn't even on the loan with them. I have since contacted them 3 times to see if the check had been reissued. The last time on XX/XX/XXXX after speaking with a XXXX, he told me that the check had on been reissued yet. All of the other employees had told me that it had and sent to my correct address and the only ADDRESS they have for this loan. I requested that the XXXX have the check reissued and sent via XXXX XXXX  to my home since it has now been over 60 days since they have been paid in full. He refused unless I gave them a XXXX XXXX #, which I don't have one. 
It seems like I am getting the TOTAL RUN AROUND and know if I was 60 days past due that they would definitely be taking some action.

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 2021-11-09 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2021-11-09 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: FL

Complaint narrative:
XXXX XXXX Attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Email : XXXX Reasons : I would like all of my derogatory remarks removed immediately. Many of these accounts fall under the statue of limitations or are misreporting on my credit report. 
Please apply these laws to my account : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX XXXX  Account number:XXXX Date Filed : XXXX, XXXX Type of Account : Collection XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Reason XXXX THIS IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I have an XXXX advance and I asked if I could pay it in early XXXX as I am changing jobs and my paychecks will be weird for a bit. Them forcing me to pay it now would preclude me from paying rent. I was in contact with a customer advocate and he told me because I once had an extension I can not have another. He would not entertain any other solution and was disgustingly rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I clicked a link on XX/XX/2021 to open XXXX checking and savings accounts. The terms stated that if I deposited > {$200000.00} within 30 days and maintained that balance for 60 days, I would receive a {$1500.00} bonus within 90 calendar days.

I deposited {$210000.00} between the two accounts on XX/XX/2021 and have maintained the balance since then. I called over the summer and an agent confirmed that my account was eligible and I would receive the bonus by the end of XXXX. 

Having not received the bonus I called again on XX/XX/2021 and the agent confirmed the promotion was linked to my account and I should have received the bonus. They opened an internal case and was told I'd hear a response within 5-7 days. 

On XX/XX/2021, I called back and the agent said there was no record of the promotion being tied to my account and also no record of my call on XX/XX/2021 ( which I received an email survey asking me about ).

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I started a modification in XX/XX/2020 with Mr. Cooper. They put me on a trial payment plan and then I experienced a hardship because of the pandemic and coronavirus.. mr. Cooper contacted me and advised me that theres options to have a forbearance program which I can defer payments up to 18 months. They promised me and assured me that after the modification and forbearance is done theres going to be a payment option available so I dont have to pay a lump sum payment.

For the last 60 days Ive been going back-and-forth with Mr. Cooper because theyre sending me notices saying that I have to pay {$46000.00} upfront for the deferment? 
Ive spoke to multiple representatives there and they assured me and promised me and the phone calls have been recorded on their line saying that they would help me after the payment plan relief program is over due to the coronavirus pandemic. Now theyre telling me that the investor will not allow me to modify my mortgage since I already had a modification started in XX/XX/2020 they are expecting me to pay {$46000.00} upfront as a lump sum payment or I have to face foreclosure. This is not right I feel that Ive been taken advantage of based on poor customer service and horrible advice from Mr. Cooper. I have a XXXX XXXX home mortgage conventional loan and I need help! Please have someone call me as soon as possible at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My paypal account has been locked for more than XXXX I need to remove my fund in my paypal account Email in my account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I signed up for a new checking account after being referred to a promotion being offered by XXXX. The bank was offering a {$250.00} sign-up bonus after completing some qualifying activities. I completed those requirements but received no bonus. Customer service tells me this was only meant for residents of Kansas. However, at no point on the sign-up page did it mention that this promotion was only for residents of Kansas. I also have anecdotal evidence of a personal friend who received this bonus while a resident of Colorado. I believe this promotion was misleading or mislabeled and either way, should be rewarded.

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 2021-11-09 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: IL

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
WELLS FARGO- I was charged {$70.00} in overdraft fees today XX/XX/2021 and yesterday XX/XX/2021 because of recurring payments which in fact are not recurring payments because they are charged to my account at my discretion ( XXXX  XXXX ). These payments were submitted days before they showed up in my account as pending so I was transferring money from my checking to savings not knowing there were pending transactions. So also instead of just taking the money from my savings if my checking says {$0.00} they take money from my checking without my permission for what is NOT recurring payment and charge me {$35.00} each time. I am fed up and want to close my account Im sick of the scamming they do.

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 2021-11-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a 30 and 60 day late that show in my personal Credit Report, but this was a Business Credit Card, the problem is that due to the Covid 19 situation, I was not able to comply with my credit obligations at that moment, but never before or after the Balance liquidation program stars, I really hope this can help me to remove this negatives that are the only ones affecting my personal credit, my name is XXXX XXXX Chase CC XXXX, this happened last year 2021, XXXX and XXXX. I was also XXXX  and XXXX with XXXX XXXX XXXX  XXXX  including XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: OH

Complaint narrative:
I picked up a XXXX XXXX from XXXX XXXX at their XXXX airport location on XX/XX/2021. XXXX is owned by The XXXX XXXX. It was given to me with a crack running alongside the bottom of the windshield. 

It was verbally acknowledged by the lot attendant at the time of pick up, and was not an issue for me. I assumed they knew they had given me the car in this condition, and unfortunately I was in a hurry and did not take photos there on the lot. That was my mistake apparently. 

I returned the car to their XXXX XXXX airport location on XX/XX/2021, and it was inspected upon return. There were no issues brought to my attention, and no mention of the windshield. In XX/XX/2021, representatives of XXXX began contacting me demanding payment for the cracked windshield ( that I did not crack ). I requested that they provide me with the previous rental records for that specific vehicle. These documents should indicate when the damage to the windshield occurred. They immediately ceased contacting me. 

However, on XX/XX/2021 I was notified that this matter is now in collections against me, and around {$800.00} is owed by me for the windshield. This is ridiculous. I need this matter stricken from my credit report and I need XXXX to provide me with the car 's damage reports prior to my rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
I am filing the complaint against UNIVERSITY OF ARIZONA because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this agency! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX and my XXXX XXXX is XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Texas XXXX Wells fargo closed my account for no reason at all.i see this as XXXX profiling.banks can not continue to close people 's account and keep saying they have no reason for the closure. This doesn't make any sense to me.even if you have the right to not do business with me anymore for transparency sake I've been doing business with you for long.i deserve to know why you are changing your mind all of a sudden.shouldnt the bank inform people of reasons their accounts are being closed to be able to know how to either remedy the situation for future purpose or tender an explanantion. Wells Fargo put my entire business on hold for no explainable reason and closed my account. For how long are consumers going to keep up with banks in this order. Why is it that consumer protection bureau is not doing anything about this indiscriminate close of account? 
Does this mean that consumers have no option when their accounts are closed.someone will need to look into this and do something about it. 
Wells fargo will need to tell me why they 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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I got a notice from the Navy Federal Credit Union and the letter stated this : " Under New York laws, you have the right to request a large print version of any collections notice you may receive. '' I have no accounts with this credit union. 
I called Navy Federal Credit Union and they put this account on fraud alert. They will do the claim on this account and will mail me the results within 10 days. Whoever set up this account also got my social security number which I'm very worried about. I called XXXX and they will put my report on alert after I send them identification. I plan on calling social security to alert them on what's happening. I'm very worried this person will set up other accounts under my name and try to steal my money. I don't have any of my personal accounts online in hopes that something like this would never happen. But it did anyway. I don't know how they got my social security number and that really troubles me.

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 2021-11-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I took out a loan with XXXX XXXX and had a payment due XX/XX/2021. It is not even 30 days late and I have the Vice President calling my phone saying that he has approved " action '' to be taken if I don't call the office back. I came down with XXXX in early XXXX and am still on XXXX. I can barely complete more than a few sentences without XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The doctors have said I'm a " XXXX XXXX '' patient and they aren't sure how long these symptoms will last. I'm unable to work right now because I can XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I full intend to repay this loan as soon as I'm able but I feel like having the vice president call my phone and threaten " action '' ( unspecified action ) if I don't call back by XXXX is a bit much for someone who isn't even 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX Fraud  Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX EST Subject : RE : Affidavit for XXXX Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. ** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at XXXX , Chase Bank wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting XXXX to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from Chase Bank and XXXX, not to mention the US Postal Service, must be a XXXX. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
To whom it may concern : This complaint is about an inaccurate collections accounts on my XXXX and XXXX credit reports. I have contacted both Portfolio Recovery and XXXX  XXXX XXXX in the last 12-months I have contacted both companies multiple times regarding their inaccurate reporting, each time Ive received a response with a printout of a bill, stating the account was verified and meets FCRA. 
The XXXX XXXX account that these collection agencies allegedly verified as mine and both companies are reporting this derogatory account to the credit bureaus. Why is this alleged XXXX XXXX account NOT listed on ANY of my credit reportsONLY the collection account? 
FYI a printout of a bill or itemized document does not constitute verification. I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate and represents a very serious error in your reporting. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Portfolio Recovery Associates, LLC or XXXX XXXX XXXX the alleged amount owed.

Company response to consumer: Closed with explanation