vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I have just a Wayfair company card and have not used it for over a year. I made a purchase on XXXX on my store CC. 
Then on XX/XX/XXXX and again on XX/XX/XXXX I received emails about the Wayfair XXXX I requested to be opened. 
I was very surprised at these emails because I never made any requests. 
CITI will not help with any investigation, they have no clue what is going on, they transfer me to departments that are closed, hang up on me and want me to give them my social security number!!! They refuse to do anything unless I give them my full SSN. I find this incredibly insane since I was able to purchase a {$400.00} chair with no CC # and without my SS #, but now when I need help because they have caused a fraudulent situation they will not help at all! 
Im sure Im not the only one whos information has been compromised by this poor excuse for a company, they are putting people at risk daily!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/XXXX, I applied to a company for a loan to refinance my property. I chose this company because I had received offers from them, I thought they were reputable, and I already had a credit card with them. When we refinanced the last time, in XXXX, we supplied our income and other bills we wanted to include. This time I was asked to do the same along with a request for reappraisal ( at cost of {$580.00} ), copies of last two months checking accounts, copy of savings account, copy of 1040, copy of my late husband 's death certificate, mortgage statement, copy of homeowner 's insurance, copy of HOA XXXX  dues, copy of property taxes for all property owned and, to top it off, a complete copy of our Family Trust of over 90 pages with attachments of 9 at a cost of {$1.00} a page at XXXX . ( Fortunately a friend did it for much less. ) As you can see, there was a lot of back and forth for two and a half months. Five states were involved in the proceedings. Then, on XXXX XXXX, XXXX, I was notified that the loan had been denied. My property is situated on a lakefront in a most desirable part of Ohio. Several homes have sold for over a XXXX. Appraised at over $ XXXX, for a loan of {$130000.00} seems like a good deal if I were doing the lending. Oh yes, I am XXXX.

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 2022-02-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
1. Experian is duplicating my account on XXXX XXXX XXXX as a negative and its paid. 
2. Experian is reporting my XXXX account under potentially negative 3. Reporting as open in the potentially negative section on Experian

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 2022-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
Refusal to cancel 3 fraudulent transactions and refusal to refund them as well. Its been almost 3 months still not resolved and communication isnt being kept by the company. And a refund from 3 months ago still hasnt been resolved four a charge where the services were never provided for a prepaid service. Ive filed numerous disputes with the company and have only been told that the dispute was expedited to a team you better handle it and then never hear back. I have also advised them of their legal responsibility and they immediately refused my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: WA

Complaint narrative:
I was instructed to open a bank account to access my funds. I did as instructed and Key Bank refused to issue my funds. I have also had the same issue with other banks that i have accounts with. XXXX XXXX, Bank XXXX XXXX, XXXX, XXXX, and Key Bank. They claim that the bank is the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card was in good standing for 24 years. I never had a late or missing payment. The yearly {$75.00} fee for the card came due but my checking account was not linked to the card for reasons I do not understand - I had linked it before and had a small deposit in my account to verify the account. I never received notice that my yearly fee was past due until XX/XX/XXXX - 5 days after the account was closed by Bank of America ( the payment reminder was dated XX/XX/XXXX ). I never received emails stating a payment was missed either. As a result my longest credit card was cancelled and my credit score was reduced by XXXX points from XXXX to XXXX.

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 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
Last year a debt collection agency named " XXXX '' attempted to collect a non-existent debt owed to XXXX in excess of {$5000.00}. They had mailed several notices that I had discarded since I know the debt isn't owed and validated this with XXXX themselves. No credit line was ever opened with them. I had requested debt validation and to cease contact. I received a letter from them stating that they will no longer communicate and the account had been closed. Today I receive a letter from a company named " Jefferson Capital '' which I believe is associated with XXXX from some brief research. They are attempting to collect a non-existent debt owed to XXXX for {$7400.00}. Once again, validated with XXXX that this does not exist and is not owed. 

At this point, an investigation should be made to XXXX XXXX and Jefferson Capital Systems LLC for this behavior. XXXX lied ( Violation 1 ) about the account being closing and instead chose to forward it to JCap. JCap has not printed information on what to do if I believe the debt is not owed on the letter, so that's violation 2. Continuing to contact me about this non-existent debt after request to cease contact is potentially violation 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2022, two amounts of XXXX $ and XXXX $ were withdrawn from my Well Fargo saving account for a person who as not registered in my XXXX contacts. That same day I filled a claim with the Wells Fargo Bank Claim # XXXX. Claim # XXXX. Also, I never made XXXX from my savings account. Additionally, the Bank never sent me any type of message to notify me about the transaction. 
I have been a victim of fraud and Today XX/XX/2022 the Bank tell me that they will not return my money.

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 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I asked this company to send me proof of verification and they sent me a copy of a lease that did not have my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Incorrect address/addresses on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I purchased a vehicle from XXXX on XX/XX/XXXX for {$22000.00}. I had a pre-approval from XXXX  XXXX XXXX for 5 %. XXXX said they did not take XXXX XXXX  XXXX and I would have to use one of their fincianeers, Ally Auto at 10.5 %. I did not want to do to this, but was told I could just refinance the loan. 

Today is XX/XX/XXXX, 5 months after the purchase date, and my Lien holder still does not have the title, and will not let me refinance it. XXXX has 6 weeks to send it. I have previously asked in XXXX and they did not have it either. They were aware of the situation and did nothing. Ally is telling me to contact the dealer. XXXX customer support is no help and is clueless. Since these business have a direct business relationship with each-other, it could make sense that they are scamming customers. Forcing them to take higher apr rates, then loosing their titles to force them to stay with that higher apr and unable to refinance to a more appropriate rate. 

I am now very afraid I have been paying for a car with no title. This would be falsely advertising of vehicles, and is currently costing me money.

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 2022-02-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc.
State: OH

Complaint narrative:
I have recently ( XX/XX/2022 ) taken delivery of a new XXXX XXXX XXXX. I am leasing this vehicle through Tesla XXXX XXXX ( XXXX ). Yesterday I received my first invoice with my first payment of {$550.00} due on XX/XX/2022. As I reviewed the invoice for remittance information to establish an automated payment via my banks bill pay service I realized this was not an option and that I would be XXXX to Teslas process which gives me only 2 payment options BOTH of which require me to disclose my bank account information. It is not in my best interest to disclose this information and I have never done so lightly. Further, I have reviewed my lease agreement and it makes no mention of this practice. 

As a business minded individual, I can appreciate the minimization of payment risk and predictability of cash flow that this policy establishes for their business, however this is not a consumer friendly practice and definitely not friendly to someone with a long history of paying my bills on time ( as evident from the hard pull of my bureau file in the assessment of my creditworthiness ). I object to the notion of being forced into disclosing my personal bank account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I'm trying to get a reverse mortgage to keep my home. The mortgage company Specialized loan servicing, has been to say the least very difficult to deal with. On my monthly statement I have a princable balance of XXXX XXXX and now they are saying that the payoff amount is XXXX XXXX. Over XXXX XXXX more.! My XXXX passed away in XXXX of XXXX. I've been trying to deal with them ever since, I've made my payments on time every month and been in contact with them sometimes XXXX or more times a week. 
I've sent them request for help in the form of a loan modification over and over, once it was approved ( back in XX/XX/2020 ) I successfully completed the XXXX month trial period. And then they changed their mind in XXXX. I'm at my wits end right now. I feel like they are taking advantage of me and I need help. 
They are threatening me with foreclosure, or a short sale. XXXX woman even said that someone could show up and ask for the keys.

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 2022-02-14 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us  rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
equifax says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft pursuant to 15 U.S.C 1681a ( q ) ( 3 ). I filed an identity theft report on XX/XX/XXXX. There are inquires being reported on my consumer report by TransUnion. There is an inquiry from XXXX XXXX on XXXX, XXXX, XXXX and there is another inquiry from XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX, XXXX. I did not give written consent to have these inquires reported. I made TransUnion aware of this by sending off supporting documents via certified mail on XX/XX/XXXX. The supporting documents included a copy of my license, for identification purposes, a copy of my W-2 for proof of address, a screenshot of my consumer report that shows the inquires, the identity theft report, an Affidavit, and a letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THERE ARE 6 INACCURATE ACCOUNTS REPORTING TO MY CREDIT REPORT THAT ARE FRAUDULENT AND NEED TO BE REMOVED IMMEDIATELY 1. XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$4600.00}, 2. XXXX ( ACCOUNT # XXXX ) AMOUNT : XXXX or {$6700.00}, 3 ) XXXX XXXX ( ACCOUNT # XXXX ) AMOUNT : {$890.00}, 4 ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$3400.00}, 5 ) XXXX XXXX XXXX  ( ACCOUNT # XXXX ) AMOUNT : XXXX {$6.00} ) XXXX ( ACCOUNT # XXXX ) AMOUNT : {$280.00} XXXX ALL OF THESE ACCOUNTS ARE INACCURATE AND NEED TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
To Start we were contacted by our current mortgage company Lakeview to do an XXXX, back on XX/XX/XXXX. We closed on the loan in XXXX XXXX. We were told no refinance was required that we can get the interest lowered to 2.5 %. My husband and I agreed. Once my husband received a letter from the VA that he was now 100 % XXXX, we sent that paperwork to our county office to have that document recorded. The county of XXXX XXXX sent a letter letting us know that he had been recorded in the county office as 100 % XXXX and we were not required to pay taxes. We sent a copy of the letter to the subservient company XXXX to have this also recorded and for the taxes to be stopped and for the loan to be redone to provide a new mortgage payment. We waited 3 months for this to happen. My wife continued to call to get an updated status. Finally, she was told that the county needed to send XXXX a bill saying that we no longer had to pay taxes before they will redo the mortgage amount. My wife and I went to our county office to see if they can give us a bill for zero amount, they intern gave us a zero bill, saying we did not owe any money. Lakeview said they will not accept that because it needed to say we did not owe any taxes. They will send the taxes in XXXX. when they are due and if it comes back saying we don't owe then they will redo the mortgage, but in the meantime keep paying the XXXX. This was not acceptable to me and my wife, so my wife filed a written request as well as called to have the escrow stop. On XX/XX/XXXX, my wife called to request an update on the status and was told that the request was denied because 80 % of the loan had to be paid off before the escrow could be stopped. When my wife asked for further explanation, she was told that Lakeview did an appraisal on XX/XX/XXXX, for XXXX. We became very upset because we were told in the beginning that no appraisal was going to be done. This company is very shady, and they did not tell us that they did an appraisal.

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 2022-02-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.

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