vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
1st on the phone they told me I had been in arrears but now I wasn't. 
I received a letter XX/XX/XXXX and submitted complaint XXXX their response was a letter dated XX/XX/XXXX that claimed they had received late payments. 
I pay via electronic transfer in my checking account. I went through my checking statements and saw that the XXXX XXXX deducted the amounts on what dates. it did not match TDbank 's claims. 
in one PDF file titled " XXXX '' I have compiled the pages from my statements and XXXX rectangles about the payments. I created a spreadsheet showing dates paid, and the amount I am in excess of the scheduled installment payments. 
I have the original agreement with XXXX, the letters from TDbank with the fraudulent claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: WA

Complaint narrative:
THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX , WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA 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 2021-07-05 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: WA

Complaint narrative:
THIS CONSUMER REPORTING agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, and I was not notified in the time frame. As the original creditor, only I can validate this debt. I DO NOT VALIDATE this debt. PLEASE DELETE IMMEDIATELY!! Unverified/Fraudulent Account XXXX XXXX XXXX Unverified/Fraudulent Account INVALID INQURIES : XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax US SM BUS ADMIN ODA XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Miscellaneous XX/XX/XXXX XXXX INVALID ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a checking account with Citibank in XX/XX/2021. 

I used the account to make and receive transfers, as well as deposits for online gaming, which I do regularly. The deposits to online casinos gaming websites in New Jersey are all legal and regulated by the New Jersey Division of Gaming Enforcement. 

After a few months, I tried to use the account as normal but noticed that Citibank had locked access and frozen my funds. I contacted them on XX/XX/XXXX and they would not give me a reason for the blocks but that an investigation was underway and the account was being processed for closure. 

They told me I would receive a letter detailing the closure in the next 15 days. No letter arrived, so on XX/XX/XXXX, I contacted them again to be told the letter will now arrive in 30-60 days. Again the letter never arrived. 

After contacting them again a few times they would not provide any information about what was happening. Eventually, on XX/XX/XXXX, they informed me that there were no longer any funds in my account and that I'd receive my money via a check in the mail. I did not receive a check for the balance. 

Every time I call I get bounced around different departments and need to explain myself over and over and no one ever gives me any information. 

Eventually I went into my local branch. I was told that there was suspected fraud on my account, and that you are withholding my money. The only way I can get my money back is to contact the casino that the withdrawal came from. 

I have checked my casino account and no money has been returned to the account and I don't know where the money has gone. 

They have now repeatedly told me I am not going to get my money back and have provided absolutely no reason. 

The balance of the account was {$2100.00}

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 2021-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We hired XXXX XXXX XXXX to modify my mortgage in XX/XX/XXXX. They promised that the whole process takes 3 to 4 months and would get my mortgage at a 2 % TO 3 %. In XX/XX/XXXX I received foreclosure papers on my house. I contacted XXXX and they told me it was a scare tactic to try and collect money from me from the mortgage company collections department. Told me not to worry i was protected by them. At the end of XX/XX/XXXX I was served with more paperwork from the mortgage company to start a loss mitigation process. Tried to contact XXXX to see what was going on and couldn't get any answers. After 4 days of probably calling them 6 or 7 times a day I finally got a call back, only to be introduced to their compliance Department and a guy named XXXX, well XXXX is a fast talking used car salesmen that loves using all kinds of acronyms to make it sound like hes on the up and up, but he is incapable of answering a question with a direct and honest answer. The results of my communication with them was XXXX telling me that I had to pay an additional {$6000.00} for my case to move forward ( with no guarantee that they can deliver on the promise that they made ). Throughout this entire process there has been little to no communication from XXXX to me except for once a month when they contact me looking for their payment. They have been taking my money for 17 MONTHS and have accomplished nothing, I had taken the Mortgage companys offer for loss mitigation and started that process on my own. I was lied to and promised that my loan would be modified at a low interest rate within 3 to 4 months with a 100 % money back guarantee, and now they are saying that they will not refund me since we did get an offer back from the investor ( yet they have not and can not show me the offer ). 
Because of XXXX my home is currently over a year passed due, and in foreclosure. 
XXXX is a scam, they are very dishonest and misleading, and do absolutely nothing that you can not do for yourself, ( other than extorting money from you ) My house is now in forclosure because of XXXX and I am fighting with everything i have to keep a roof over my kid 's heads

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 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/XXXX or XXXX a debit card was delivered to my old address at my parent 's house from Chime. The card is in my maiden name ( XXXX ) and appears to be a real card and not one of those promotional fake cards some companies send out. I have never had business with Chime and did not apply for this account. I am pretty sure it is a case of identity theft and credit fraud. I've tried to contact Chime via their customer service email and have been given the run around about trying to close this account. They are refusing to close the account unless I send them sensitive documents over unsecured email including my driver 's license and a copy of my social security card. They also requested I contact them from " the email address I used to open the account '' ; which would be impossible because I didn't open the account and it is fraud. Every time I email them a different " representative '' responds to my email and gives me a run around. There is no real person that you can talk to on their phone number. I just want this obviously fraudulent account closed and they are making it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: AZ

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc sent me a dormant card to replace an expiring card. 
Obviously, this did not work. Ive spent 2.75 hours with customer service, a branch visit, and one crying spell to be given a replacement that didnt work. 

I just want a debit card and it was refused. I wasnt given an attempt to escalate or to speak to someone who could assist. I hope this complaint will trigger action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I changed bank accounts in XX/XX/2021. I signed up for automatic debit with AES twice. They have not been sending the payments through to my bank. I have made two months of payments using the same checking account. I have two loans and have made a total of 4 payments. AES will not take care of the problem which is on their side of the transaction obviously if I have successfully made payments 4 times with the exact same checking account. I have called and complained several times with no results. They keep calling and harassing me for payment as well as both of my senior parents. This is not acceptable to harass someone who has made on-time payments despite their inability to process a transaction. I am attaching documentation showing the harassing emails for bills that have already been paid, emails proving I filled out the auto-debit twice, and emails showing that the payments have been made successfully using the same checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
In XXXX my account was credited over {$2800.00} from an Appliance company. Unfortunately I had cancelled that debit card due to fraud so that money should have came back into my checking account. Mountain America Credit Union has completely ghosted me and is non responsive to my complaints. They have tied my mine up for months with no end in sight. Mountain America Credit Union wont give me my MONEY. The appliance company provided proof that is refunded my money to XXXX XXXX who works at Mountain America Credit Union, Ive talked to bank employees, bank managers and have gotten no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: MN

Complaint narrative:
I was essentially charged an extra payment and late fees with Carvana after they didn't automatically withdraw my vehicle payment out of my checking account. This has negatively impacted my life. I phoned Carvana giving them my new checking information and the rep assured me the payments were set up for automatic withdraw. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
In XXXX of 2021 I opened a XXXX XXXXXXXX XXXX XXXX with Comenity bank. They advertised a {$50.00} store code and a {$75.00} free game code after I made a {$500.00} purchase. It's been three months and I've contacted the company with phone twice and email twice. They refuse to do anything. They say they can not help me and I should contact XXXX. I've been trying to contact XXXX directly for over a week and there is no answer from the phone number given. Comenity bank is using fraud by offering a reward and then not honoring it. I opened this card because they promised {$120.00} in free game codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a Bank of America prepaid visa card which XXXX company sent me a year ago as a partial refund for damaged goods. I received the card a year ago and it expired on XX/XX/2021, which was a month ago. I found out that Bank of America took all the remaining balance ( over {$100.00} ) off the card upon expiration. I was never told about this kind of charge when I received the card, so I contacted Bank of America on XX/XX/2021 to see if I can get my balance back. However, the BOA representative told me she can not return the money back to me.

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 2021-07-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I set my ace cash express account to automatic payments only to find out for some reason my account was sent to collections without notice but should have been paid in full. Due to this, I needed credit today but was denied due to an account that should have been paid in full due to automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Vehicle loan or lease — Lease
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: CA

Complaint narrative:
Filed a complaint two weeks ago due to not receiving my title when vehicle was paid in Full XX/XX/XXXX. Received a notice dated XX/XX/XXXX with no instructions advising here is the documented I requested, with a disclosure statement. I requested my pink slip and they still failed to provide. Kia has not provided instructions on what I need to do with the statement. I assume I have to mail it. But instructions are not clear. This is not acceptable. I am demanding my pink slip and all penalties that are due.

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 2021-07-05 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:
on XX/XX/XXXX XXXX i received multiple notices from the 3 major reporting bureas : XXXX, Equifax and XXXX  that their were numerous inquires being placed on my consumer credit ... i have disputed these inquires with the creditors : XXXX XXXX/auto financing companies, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  and they responded by telling these inquries were done online..Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXX XXXX never gave _ : XXXX XXXXauto financing companies, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX any written consent to report anything on my consumer report, NO consent is identity theft..these inquires should not be furnishing on my consumer credit report at no conditions at all.the 3 major bureaus XXXX.EQUIFAX AND XXXX  are wellaware of the law that has been giving by congress and they have violated my right by furnishing these fraudulent inquires without my consent ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These inquiries is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b I

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 2021-07-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
These inquiries is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b I

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 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: IL

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 


1. This account resulted due to identity theft. 
Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2019 Balance : 834 Reason : Identity theft Please remove it from my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05 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:
I am distressed that Experian have included the information below in my credit profile and that they have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. 
1. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. Mistaken Identity XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

3. This account resulted due to identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

4. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, delete it. 

5. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX is not mine, please delete 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