vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I went to bed XX/XX/XXXX and checked my business account and there was {$4.00} in it, which was correct. I was waiting for a Covid related loan to come through and checked again the next morning. The account showed over {$1700.00}. I assumed my loan was deposited. I spent the money to get my small company caught up on bills. Covid has been hard on my bakery but I worked 60 hours a week and was able to stay open. Two days later, my account showed I was overdrawn almost {$2000.00}. I called my branch in stow and explained what happened. I was told there was a glitch in the system with their debits and credits. I told her my business couldnt survive this. I requested a loan to bring my account out of the red and back to good standing. She gave me a few alternatives. 1. Get a payday loan and 2 ask my business landlord for the rent back. I was appalled at these suggestions. I am now over {$2200.00} in the red as they keep charging me {$39.00} for sustained overdrafts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
To Whom It May Concern, I have tried to settle this issue with Santander multiple times. My ex-husband XXXX XXXX ( main borrower ) opened a car loan. I was included on the loan when I shouldn't have been. I tried making a police report, but I was told it was outside of statue of limitations. My ex husband is receiving relief through the class action lawsuit. However, as the co-borrower, I am not receiving any relief. I have called XXXX XXXX, Santander and my state attorney general to confirm that as a co-borrower I was not included in any type of relief. 
I was not supposed to be on the loan at all. I wasn't there to sign it. Santander opened not one, but FOUR car loan accounts in my name in an effort to push this through. All of the opened and closed car loans were opened in XXXX and XX/XX/2013. Out of four of these entries ( and they all have different account numbers ) only one stuck. This should have been caught by the company that FOUR different loans were pushed/failed through in my name. I have included a screenshot.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company that financed my auto loan has charged excessive fees and refused and refuses to waive any late fees. The interest on this loan is excessive as well.

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 2021-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Did not receive any merchandise, received an email ( see attached ) stated : There was not enough supporting documentation or evidence to move forward in the dispute process. As of the date of this notification, we closed your claim. Called customer service, claiming once the claim is closed, then it is closed, there isn't any way to re-open it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: PA

Complaint narrative:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Now this is my next step to filing a lawsuit. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2020, I made a purchase from " XXXX ''. The company 's website clearly indicated that the item would be shipped within 5 days. However, I reached out for a status update on XX/XX/XXXX, via email and XXXX ( per website contact method ) and by email again, on the XXXX, but never received a return response. 

Also, the product that I received, appeared to have been used. Upon arrival, all four corners of the box were mashed in and deeply scratched beyond the surface and deep scarring appeared along the edges of the box as well. There were multiple layers of packaging tape, that had turned yellow, which indicates age & that the box had possibly been re-sealed due to multiple returns. I understand that mild damage is to be expected during shipping but the type of damage described is indicative of extensive wear & tear, over a period of time, not from a one time transaction. The item that I purchased was for an inflatable life raft. So, for obvious reasons, I am not comfortable in accepting a second hand product in which safety checks have not been conducted, directly by the manufacturer, resulting in potentially fatal consequences for myself and my family. 

I tried twice, to resolve this issue with my credit card company by submitting complete and detailed documentation to support the dispute that I'd filed. The merchant responded to the dispute by forwarding a copy of the transaction and other random, meaningless pages that did not address the issues of my complaint. Afterwards, I received a letter from my credit card company stating that I did not furnish sufficient information to support my dispute, therefore, my case was being closed and I was advised to circle back to the merchant for further resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I closed my Barclay bank credit card in XXXX because of financial issues due to hurricane XXXX. ( I wasn't able to make the minimum payments at that time ) They sent the bill to XXXX XXXX collections and I paid the collections account. Barclay now says I owe over XXXX $ and reported to all 3 credit bureaus that I am late since XX/XX/XXXX when they stopped reporting in XXXX and the account was closed. I filed a dispute to get that off my credit reports with the receipt of payment from XXXX funding and Barclay won't stop. I paid {$1300.00} to XXXX funding on behalf of Barclay and they won't stop making false claims, this is hindering me getting a better job. I keep disputing it and Barclay reports I owe more money on my credit report. I don't have any other recourse then to file a complaint with the CFPB. I have the receipt that shows I paid what was agreed upon over 3 years ago now. The account has been closed since XXXX. I would like to file a formal complaint under FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) - 807. False or misleading representations and 809. Validation of debts.

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 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My problem is with NEWREZ LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PA XXXX They have bought my current mortgage from bankrupt Ditech and are now the servicers of this loan. However, they only carry a mortgage history from XXXX via one department and history from XXXX from another department, so I am having problems getting information about the total balance on my principal. 

My original loan and payments started back in XXXX, so NewRez has no payment history from that date onward. I can not see if they are not crediting me with payments in those missing years, since the principal balance has actually gone up from {$210000.00} to {$290000.00}. I have been asking them over and over why has my balance gone up, and they can not answer or refuse to answer this question. 

Instead, they send me a summary of payments with loan amounts, fees, and other amounts that are either added to my balance or are just listed, I can't tell which. I am unable to speak directly with them, only to Customer Service or Loss Mitigation employees who do not know the reason for the fees or additional principal. 

NewRez has been very good in certain areas with at least trying to answer my questions in the Customer Service area, but they are limited in what they can do or say. They do not know why certain items are on my history and can not tell me if those items are added to my principal balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CL Holdings LLC
State: GA

Complaint narrative:
Hello I am a victim of identity theft. I recently learned that my personal information was used to open an account with XXXX and has since reported as a collection account on my credit report. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX and Jefferson capital absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. I have been trying to get this removed for over a year and it is not being resolved. 
I presently live at XXXX XXXX XXXX XXXX Ga. 
The reporting agency is XXXX XXXX XXXX XXXX ACCT # XXXX XXXX is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I received an alert from my identity monitoring service " XXXX XXXXXXXX '' that high risk transaction had taken place today XX/XX/2021. 

Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. 

Date : XX/XX/2021 Institution : MoneyLion Type : XXXX XXXX : Account Opening Result : Passed Venue : online I called my identity monitoring service and an investigator placed a called to this company right away. Once they verified some basic information about myself, they were able to close the account and mark it as fraudulent. 

I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I will put alerts for my credit but this has me worried. 

Thank you in advance. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a check from XXXX XXXX XXXX XXXX over XXXX $ ( covering the refund of my security deposit ). Through my Banking App, I received a notification that Bank of America had put a hold on my check fir 9 days, providing a list of potential reasons, but no specific information. I have no history of defaults and it is not an unusually large amount of money compared to other transactions. 
I find this excessive hold unjustified, Bank of America is abusing their dominant position. It reflects potentially fraudulent activity, I.e. to make money on interest out of phony justifications.

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 2021-03-18 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: WI

Complaint narrative:
I have been disputing inquiries that I never approved of and obviously did not obtain credit for since XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-18 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: WI

Complaint narrative:
I have been disputing inquiries that I never approved of and obviously did not obtain credit for since XX/XX/XXXX. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. It is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-18 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: AL

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Synovus Bank
State: PA

Complaint narrative:
First Progress has closed my account without my authorization. First Progress has treated me in a discriminatory manner on customer service phones calls. First Progress refused to reopen my account and I have a credit in the amount of {$210.00}. First Progress has not honored their terms and agreements, they charged undisclosed fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CA

Complaint narrative:
I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I applied for mortgage assistance from Shellpoint Mortgage in XXXX, and received an email dated XX/XX/XXXX that I was approved for a 3 month deferment. The only mail/correspondence I received after that were monthly mortgage statements. 

Then after receiving a court order regarding foreclosure, I contacted Shellpoint. And was informed that I failed to make trial payments. Once again, I've never received ANY mail, letters. etc regarding ANY type of trial plan or loan modification. 

I reached out numerous times to speak to my point of contact, and asked for forbearance so I could apply for another trial plan. I called and spoke to XXXX XXXX on XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told there was a foreclosure date of XX/XX/XXXX. 

The only correspondence I've received is an email dated XX/XX/XXXX that I was approved a 3 month deferment. My understanding was this deferment would end in XXXX or XX/XX/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 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius Global Solutions was contacted by me did not provide me with accurate information. I do not know what this particular debt is about with the amount of {$110.00} which is being reported on my credit report. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit report. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.

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 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: CT

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance does not include cash but XXXX XXXX XXXX took cash. The finance is suppose to include insurance but XXXX XXXX XXXX made me purchase insurance seperately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I do not have to answer 5 or more question to get access to my accounts at the bank I call at XXXX XXXX XXXX  EST on XX/XX/21 and the woman just keeped asking questions, would not tell how many question I have to ask. This is XXXX. 

When I talk with XXXX her supervisor he said really in not how many question you answer right or wrong it tone and a feeling. 

I will take all my money when is convient if I have to go through this XXXX to handle my accounts when I call. 

Pull the tapes and listen to the recording.

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 2021-03-18 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Amount was paid to Portfolio Recovery and should have been deleted within 30 days and has not been deleted off credit report

Company response to consumer: Closed with explanation