vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My card was stolen from me on XX/XX/21 and I started to receiving deposits of {$1800.00} into my account and whoever had my card started taking out the money so I reported this information to my bank to and they told me that I was depositing {$900.00} checks into my account so I was letting them know that was not me doing those deposits and that I dont use checks at all!!!! So I filed a claim of fraudulent checks was deposited into my account. I have reported this situation over 5 times now because they continue to deposit checks into my account and putting my account into a negative I was asking them if they could close my account or something so they told me they will close my account on XX/XX/21 and that they got my account on hold and that I couldnt open a new account with them in the future ... ..

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 2021-04-10 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Hello. I have a hard inquiry at XX/XX/XXXX from XXXX. I see it today for the first time in my record. 
And Ill se that I have incorrect ssn number in report that was from this inquiry. 
But I receive my ssn number XX/XX/XXXX And now because of this error I have hard inquiry that I didnt do. Incorrect ssn number in system.

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 2021-04-10 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: Nelnet, Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IA

Complaint narrative:
PRA is falsely reporting two alleged debts in which I have no agreement with. I have NO agreement of any kind or any amount with PRA. I am not giving them a penny because I owe them nothing. PRA has yet to show me a dated statement from 2017 with MY address. They sent me a copy of a statement with an address that is not mine. And they have never been able to show me a written agreement between myself and PRA. Because there isnt one. I owe PRA nothing. They will get nothing. These two accounts are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 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: First Advantage LNS Inc.
State: PA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-10 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
In XXXX I lost the debit card attached to my bills account. My mortgage was supposed to be autopay so when I got the notice that I was late I set up with the company to pay back the sum in 3 payments. I later found out that they had reported me late for 3 months. They apologized and said that they accidentally sent wrong form to confirm payment agreement. They sent the correct form and I signed and sent back to them. I've been trying from XXXX to have these removed. I checked in XX/XX/XXXX where they removed it.2 days ago. XXXX XXXX I say it reappeared on my report dropping my scores XXXX points.not happy at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: TN

Complaint narrative:
I submitted documentation to SN Servicing for a forbearance due to a personal illness and I lost my job during the pandemic. The company failed to reply to my request and they went forward with ether foreclosure on my property. The property was foreclosed on XXXX XXXX for {$89000.00} and the loan number is XXXX. I received this information from XXXX XXXX of the XXXX XXXX XXXX ( XXXX ) who stated he sent the excess back to the company. I owed only {$49000.00} on my home when they took the property from me and the excess was supposed to have been sent to me. My home had equity in it from XXXX .Mr. XXXX, gave me the name of XXXX XXXX of SN Servicing at XXXX Ext. XXXX. Ive tried to contact Ms. XXXX and she has refused to accept or return my calls. I am currently XXXX as I was approved from my XXXX benefits in XXXX of XXXX. I fell like the company deceived me and took my property. I dont have a home because they took it from me and I could have caught my note up once my XXXX was approved. Please call me at XXXX as I have supporting documentation proving these facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NY

Complaint narrative:
Staring in the beginning of XXXX, XXXX I contacted KeyBank, NA informing that I hadn't received a Form 1098 which is needed to show the interest I paid during XXXX for the purposes of filing my tax return with the IRS. I spoke to someone who identified as in the Executive Offices of KeyBank N.A. He said he would mail it to my bill paying service address at XXXX, an address in South Dakota which is where the bill is sent every month. My home address and the home that their mortgage covers is XXXX XXXX XXXX XXXX, XXXX, NY. He also said if I wanted to get a copy quicker I could go to a bank branch but that he would see that it got mailed. I went to a KeyBank branch on XXXX XXXX in XXXX and after about 20 minutes of trying the branch manger said that the system would not allow him access to a Form 1098 on my account so that he couldn't print it.. On XX/XX/XXXX I e-mailed the KeyBank complaint web site ( copy attached ) and said I hadn't received the form. On XX/XX/XXXX my bill paying service received a mailed communication dated XX/XX/XXXX XXXX copy attached ) saying that my request " has been assigned to the appropriate team who is diligently researching this natter and will provide you a response as soon as possible. This is unacceptable to me as this institution is required to issue a Form 1098 by XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: FL

Complaint narrative:
I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: OH

Complaint narrative:
I was sent an unsolicited credit card that I received in the mail on XX/XX/2021. I never applied for it nor have I ever heard of the bank " MoneyLion ''. It says that my account is set up, has an account and routing number, and is asking for personal information as well as signing and returning the form and activating the new credit card. 

I tried to contact customer support but they are not available over the weekend and I will not wait another minute before filing this complaint to hear their side of the story. I searched the internet and found others with the exact same story as mine and they had to file CFPB complaints and police reports in order for this fraudulent bank to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Today I went to check my credit score on mint and my score dropped from XXXX, to XXXX. Some company called NATIONAL CREDIT SYSTEMS. According to my credit report that I pulled from XXXX  they say I owe {$300.00} to a company called XXXX XXXX. 

I've never heard of either of these two companies before. No one ever contacted me about this debt, they just slapped this on the report. I think it's probably fraud. I tried to call both of them but neither would pick up because it's a Saturday. 

I had a perfect credit score before today and I've never made a late payment on anything. Now my perfect credit score is ruined, by what appears to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
Dispute was filed with XXXX XXXX on XX/XX/XXXX. Since no verification was ever provided I contacted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Still no basis for disputed charge has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I'm contacting to find out what is going on and why I am providing my information and they tell me that it will be updated in a couple of days. I have provided the information and I'm waiting for the information to be updated.

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 2021-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
I have an auto loan with Ally Financial Auto. I was unemployed for six months and fell behind on payments. Despite making partial payments in any amount I could, they have been and continue to harass me, my wife, extended family members, and my employer with hourly calls and voicemails that are overload our phones voicemails. Additionally, despite making partial payments, they recently locked my account preventing me from making direct payments to them and forcing me to use wire transfers.

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 2021-04-11 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 have sent 2 dispute letters to each bureau, EQUIFAX, XXXX, XXXX. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC REPORT ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Lvnv Funding LLC has been reporting an account on my credit report in the amount of XXXX. The collection has been reported as a charge off. When I research this company it also comes up at Resurgent Correspondence at XXXX XXXX  XXXX XXXX, SC XXXX. I have never done business with either of these companies and the company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I requested that Transunion provide me with the method that they used to verify two accounts on the credit file they maintained on me. They fail to do so. They sent a letter saying that the one items was verified and completely failed to say anything regarding the second item. Their response did not address what I asked for in my 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 explanation
Consumer complaint received 2021-04-11 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: GOLDMAN SACHS BANK USA
State: UT

Complaint narrative:
Goldman Sachs apple credit card - I called GS Apple Credit card rep and was advised a XXXX  was placed on my account. I have not filed XXXX  this can be verified by my social security they have made an error on their end and I am unable to use my card. I want them to resolve and apologize as I am unable to use my card. I payoff my balances and keep my cards in good standing. I have my credit score at XXXX and I have never filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I sent someone claiming to sell puppies a deposit of {$300.00} via cashapp. The deal fell through and the person/business said they would refund my money via cashapp. I sent a request to refund my money and they never did. I reported this to cashapp via their support process which doesn't allow you to speak to someone verbally or via email. No one contacted me from cashapp. I did recieve an email stating they will work on it and i should get a response in a few days. A few days past and i received an email stating it was resolved but no one was contacted or no request for supporting documents nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$6000.00} is on my XXXX  card

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 2021-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: CT

Complaint narrative:
National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.

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 2021-04-11 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: AZ

Complaint narrative:
I have sent 2 dispute letters to each bureau, XXXX, XXXX, TRANSUNION. Both have had very little results and am very confused why these reporting agencies arent honoring my identity theft claims. I have sent each letter with proof of ID ( DL, SSN CARD, Utility Bill and FTC 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
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a mortgage loan from Bank of America ( Account # XXXX ). In XX/XX/2021, I received a notice from my homeowner 's insurance company XXXX, XXXX for renewal of homeowner 's insurance. I did not want to renew it with XXXX, because they wanted to charge me a significant higher premium. I informed Bank of America on XX/XX/2021. Bank of America asked me to upload new insurance information on XXXX/bankofamerica. I uploaded new insurance information on XX/XX/2021 and received a message that Bank of America has received my new insurance policy. Nothing was updated on my loan. I sent them this information at least five time. I faxed them this information. I mailed them this information. I received a message that my insurance with a new company has been noted on my loan and my previous insurance company will not be paid. A couple of weeks later, I received a message from Bank of America that they have paid premium to my previous insurance company also and now I am responsible to recover that money from my previous insurance company. I contacted my previous insurance company. They issued me a check and I sent that check to Bank of American as per their instructions. I kept checking with Bank of America about the status of check sent to them. Now they tell me that they did not receive the check and I need to stop payment and get a new check from previous insurance company. I am being harassed by this bank for their inefficiency. I am 60 years told and I am being asked to fix problems caused by this bank. A similar problem had occurred last year also. I would appreciate if CFPB can intervene on my behalf and ask this bank to fix their problems instead of harassing 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 monetary relief
Consumer complaint received 2021-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied for a refinance with Citibank on XX/XX/2020 and my loan was approved on XX/XX/2020. It is now XXXX and my loan officer claims my application is still in underwriting, with no ability to confirm when the closing will take place. My credit has been pulled twice at this point because the first credit check expired, so now this excessively long process is harming my credit score. I've also lost months and months of time waiting for the refinance, in which I could have been saving money on interest with my new interest rate. However, having already paid all the application fees I am stuck waiting for Citi to process my application. I was told 4 weeks ago over email that the closing should be " any day now '' and since then have received no reply to two inquires to the loan officer. Citi should be compensating me for the nearly 6 months in which I could have been saving interest on my loan.

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