vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
A payday loan was opened in my name through identity theft. Filled with the FTC and mailed documentation to the bank and to the debt collector. The bank reviewed and found the claim of identity theft to be legit and removed debt from my name and from the credit bureaus. The debit collector ignored my letter and sent a second letter to collect. I have sent a follow up letter from the FTC identity theft page on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood XXXX took money out of my checking account on several occasions. They do not have a phone number listed to contact them to find out why these fraudulent unauthorized transactions keep happening. The company has access to my routing number and account number to submit the EFT. Fortunately my bank did a stop payment on the transactions. But this needs to be investigated and stopped. The name that appears the funds went into was XXXX XXXX. 
The amounts taken started small then went BIG. 
{$.00} cents XX/XX/2022 {$.00} cents XX/XX/2022 {$14000.00} XX/XX/2022 {$50.00} XX/XX/2022 {$60.00} XX/XX/2022 {$100.00} XX/XX/2022 {$100.00} XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I received a letter from a company called NCC. They do not explain who are they are. I received a bill from the County of XXXX. I do not live in XXXX county. This bill does not explain what the charges are. Interestingly, the company is charging {$85.00} in fees and {$44.00} in fees and a previous balance of {$170.00}. I will call XXXX county myself but I WILL NOT pay these made up fees. I want to warn the CFPB that this company is attempting to collect fees from people that are not owed. If they are doing it to me, they are doing it to other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: LA

Complaint narrative:
My name is XXXX XXXX, only address is XXXX XXXX XXXX, XXXX LaXXXX please remove any other 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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX of XXXX Select Portfolio Servicing paid my homeowner 's insurance a month before it was due. I was going with a new company due to a lower rate. I contacted SPS and they informed me that they had paid the previous company the higher amount. At that time they paid the new amount out of my escrow account. The old insurance sent me a refund and I sent SPS {$1300.00} via my online bank stating escrow only on XX/XX/XXXX. This payment was applied to monthly payments. I have been contacting them since then when I receive my monthly statement and it has not been corrected. I am told it has to go for review and will take 30 days for approval to be placed back into my escrow. On other occasions i am told that an email has been sent to a supervisor to escalate the situation. I ask to be sent to the escrow department and the representative tells me she is the escrow department. They also state a manager can't help me. I have been transferred to managers who state the same thing. " Let me email my manager to escalate this. My escrow analysis arrived in the mail that shows my payment will increase from {$620.00} to {$680.00} to cover the {$1600.00} escrow shortage. Even though they show my insurance and taxes have decreased. This is the second increase since they took over servicing my account. My escrow never increased while through XXXX. I even set my payments to be {$50.00} extra towards principal every month. I am needing someone to help me correct this issue because they are not moving the money into my escrow. My statements still say I don't have a payment due until XX/XX/XXXX. As of this date my second installment of my property taxes have not been paid. I just found out that my property taxes are now late as well. I never had an issue with my prior company. 

XXXX XXXX XXXX Select Portfolio Servicing Account number:XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I am unable to access my account to make payments. The website gives me an error message : " Due to a problem with your account, you may not log in at this time. '' Previously the website would not allow me to make a payment or view statements. Now it isn't even allowing me to log in. Screenshot attached.

I believe this is retaliation from the company for reporting the previous problem to the CFPB.

This is after I already reported this issue to the CFBP in a separate complaint that was not resolved : The website for my account has not allowed me to view statements or make payments for the last several months. The company 's customer service is non-existent, inaccessible and non-responsive. The attached screenshot proves this. This has caused me to be late on several payments.

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 2022-02-08 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: IL

Complaint narrative:
After reviewing my credit report I see the below information still in there, that makes me more upset. I never granted your company the right to report against me under the Fair Debt Collection Practices Act 15 USC Section 1692 that was abusive practices. I was a victim of invasion of my privacy.

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 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a call from a gentlemen identifying himself as XXXX XXXX with a badge number of XXXX from Citibank. He told me that there had been a hack of my account activity on my Citi account and the case number was XXXX. 

Upon further discussions over the course of XXXX to XX/XX/XXXX, he requested that I move funds from my account to safeguard them. 

As a result of the conversations, My checking account and my money market account had fraudulent ACH, XXXX and wire transfers that completely depleted all my money from both accounts. Those amounts were as follows ; XX/XX/XXXX ACH of {$1000.00} to XXXX XX/XX/XXXX Wire of {$48000.00} XX/XX/XXXX Wire of {$18000.00} XX/XX/XXXX Wire of {$2500.00} XX/XX/XXXX XXXX Debit of {$16.00} to XXXX XXXX XX/XX/XXXX XXXX Debit of {$440.00} to XXXX XXXX XX/XX/XXXX ACH Debit of {$10.00} to XXXX XX/XX/XXXX ACH Debit of {$5.00} to XXXX Citi sent some email notifying me of some of the transactions, but never reached out on the wires to inquire as to why I would be wiring this amount of money when I had never wired money previously.

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 2022-02-08 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I had an account with XXXX  XXXX XXXX checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud.

I received detailed consumer report from Early Warning Systems today XX/XX/XXXX wherein I came to know the reason for my previous account closure with XXXX  XXXX XXXX, as of this negative reporting XXXXXXXX XXXX put a temporary hold on my account and initiated account closure. 

I called Risk department of XXXX  XXXX XXXX at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the Early warning report states all the ACH transactions since my account opening with XXXX  XXXX XXXX. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Well got hard inquiries my credit report from JPMCB Card Services on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX and have not been able to get them to remove these hard inquiries from XXXX and XXXX This is FRAUD!!! Please contact these people and have this removed my credit report. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Hello, I've tried speaking with the branch manager about my loans and it falls on deaf ears. XXXX is her name she's bombarded my work place with phone calls, calls my references gosh knows how many times, comes to my job as well acting as an customer or getting coffee at XXXX, calls my cell phone at least 10-20 times a week either through company phone or her personal phone number, comes to my apartment bangs on my door that it scares me. All these tactics she's doing had caused me an XXXX XXXX from worrying.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CA

Complaint narrative:
Called on XX/XX/2022 to add my mom as an authorized user. She does not live in the US and does not have SSN, was told by the agent that another department would be able to override the requirement. Got transferred to an agent, verified codes. Got disconnected. Call again and found out that my account got blocked for further review. Spoke to a supervisor, and sweated all questions yet block was not lifted : I am leaving country in 6 days and need this card with me. This is just not right to have it blocked without any explanation.

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 2022-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZWICKER & ASSOCIATES
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau I am contacting you with regards to the matter with XXXX XXXX XXXX XXXX regarding file # XXXX with a debt dated XX/XX/XXXX in the amount of {$19000.00} and all attempts have been ignored. I was on the phone with XXXX when the called to verify during my home refinance and he could not say if the debt was mine or not. This debt does not belong to me and I have made several attempts with XXXX XXXX sending clear explanation as to me being a victim of identity theft. My information was used to get loans and credit cards with many creditors and I quickly tried to resolve this and have not had any luck. The assumption is that my name and other information was obtained to get this but when I last checked if it wasn't't me and someone else used my information then it is clear identity theft. 

I was quick and filed a police report with the XXXX Police Department and filed affidavit with the Federal Trade Commission where I obtained a affidavit number to back my innocence with the assumed debt. I have know knowledge that I ever owned, or opened any account with XXXX XXXX XXXX XXXX and now I am being sent letters from Zwicker and Associates PC that gives me a response date of XX/XX/XXXX as a debt collector to collect a debt that was a part of my identity theft and should have been deleted along with the other things I've been fighting. I have taken every step to fix this with the bureaus and unfortunately, since they are paid to keep negative information they simply stopped my pursuits. I have send my drivers license, social security card etc... only for them to return saying the debt is valid. 

Valid how? I never received any loans or goods from the mentioned company and I need your assistance to please stop any collection and pursuits also to delete the blatant derogatory information from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was informed of BBVAs acquisition by PNC bank via email notification. When I went to pay my bill on PNCs mobile banking app I was not granted access and was informed that in order to receive access to online banking I was required to open a PNC checking account. I declined opening a checking account and visited a branch to make my payment since no online payment options are available without a PNC checking account. When I went into the facility they informed me that I was also going to be charged a bank draft fee to make my payment. After trying to find a resolution to make my bill payment more accessible to me I was told that I would have to come into the branch and pay the fee every time I wanted to pay my credit card balance. I let them know that I would be completing a balance transfer and moving my remaining balance to another bank that has more excess will payment options. A couple of weeks after I was informed that per my request my account had been closed at PNC Bank. I had never requested for my account to be closed and now I do not have any accessible options to view my payment amount or due dates. They are threatening to send my balance to collection but still will not provide an accessible account payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank sent a letter stating that a Chase Sapphire card application was received an because I froze my credit, the application could not go further. Called Chase to notify them this application was fake. They canceled the application and would send me a resolution letter. Someone applied on two separate dates ; XX/XX/22 and XX/XX/22 for a Chase Sapphire visa Platinum card. They used my corrected home address and added a second in state address that Chase would not disclose to me. 

Chase Sapphire application reference number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My loan agent let me to pay her 1 % mortgage fee privately. 
I refused to do so and requested her to put this fee to escrow, then she start ignore my calls and emails in the period that my house is in closing process. 

I tried to call the bank and the bank loan processer sounds like know this loan agent and let me to pay the agent privately. The relationship between the bank and this loan agent is very doubtful and they are having deal under the table. 

My mortgage bank is AXOS and my loan agent XXXX # is XXXX. 

I was forced to pay the loan agent privately to close my house. After I paid her attitude was incredibly bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying for years asking Experian and XXXX to delete erroneous and incorrect account information off of my credit report. Currently a company called XXXX XXXX is sitting on my credit report without a account number XXXX XXXX and XXXX XXXX that doesn't even have account numbers are all a part of my identity theft. They have stalled and stalled and ignored my request to delete. I have sent to them multiple times my drivers license and the XXXX Police Report and Federal Trade Commission Affidavit only to have no actions taken. My information was stolen and used and I demand deletion of the incorrect reporting information. My creditworthiness is important to me. 

What Experian and XXXX always does is send communication back saying they can't locate the information that I am requesting stalling and stalling until I give up. 

Experian and XXXX has failed to follow fair credit reporting and ignored my identity theft. 

Shows XXXX XXXX open XX/XX/2015 which is past the Georgia statue of limitations reporting. Please Delete as per Experian has the same error reporting twice.

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 2022-02-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have a inaccurate 30 day late payment marked with grain technology for the month of XX/XX/2021. I made the payment for XX/XX/2021 and XX/XX/2021 on time and I am including both bank statements to show proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent numerous Messages in writing via XXXX certified mail to each credit reporting agency indicating inaccuracies on my credit report. XXXX XXXX finance has been contacted by the dealer that leased me a vehicle to have these items removed from my report and nothing has been done to date. XXXX Student Loans have been on deferment and have been current to date. Latenesses should have been removed as I have requested many times in writing. Unauthorized hard inquiries where my information was not verified should not be on my report. Inquiries for credit cards where my information was not verified and no new credit was obtained should be removed from 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