vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-21 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: SC

Complaint narrative:
A public record is being incorrectly reported. The case number, type, amount, date and status are all incorrect.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been trying to close this account for more than two weeks. I called Kabbage twice and was on hold for over 30 minutes each time. I sent in an email to close my account then the account was locked and I can't log on. I keep getting an email to call them. I emailed them and one representative gave me another number to call and it was an automated system which was a waste of time. I found another number to call and finally spoke with someone who thought it might be closed, but connected me with XXXX XXXX   who said it wasn't closed and to talk to Kabbage. I just want this account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NV

Complaint narrative:
I have reached out to the XXXX XXXX  and to the creditor Hunter Warfield this identity theft. I have submitted proof of residency in the last few years and they claim that I lived there in 2017 which is impossible because I had a lease agreement in XXXX  which is also where I worked as well. I have never lived in the state of Oregon. A few years ago I had my id and social stolen and its been used few times which is why I am trying to dispute this due to interest accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: Westlake Services, LLC
State: NC

Complaint narrative:
XXXX XXXX improperly reflected as multiple hard inquiries. 
I did not authorize this inquiry. 
I do not recognize this inquiry.

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 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday XX/XX/XXXX, I tried to XXXX a family member {$1000.00}. However, the XXXX did not successfully complete as it usually does. Simultaneously, I received a text that said it was from Citibank, and to click the link embedded in the SMS message. 

On Monday XX/XX/XXXX in the morning at approximately XXXX, I woke up to grab my cellular device to make a call out to my family member. However, the call kept failing. I thought it was due to poor connection in my house, as my neighborhood experienced a power outage the night prior that occurred due to bad weather at XXXX, and XXXX XXXX XXXX  still had not been able to get power back on by the morning I woke up. That was when I drove to XXXX  to inquire why my phone still had no connection, and learned my phone sim had actually been deactivated all morning ( not by myself ) thus I was issued a new one. Once I got home in the afternoon, I was able to obtain access to my phone again and immediately logged onto my Citibank mobile banking app. That was when I saw that my checking account was overdrawn over - {$700.00} at that time, and my savings account had been completely wiped out. There were two unauthorized fraudulent wires. One for the amount of {$19000.00} to an account in XXXX XXXX. The second unauthorized wire was for {$40000.00} to another account for XXXX  XXXX XXXX. Both were unauthorized by myself, yet occurred that Monday morning around XXXX XXXX E.T. while my phone had been " deactivated. '' The same day ( Monday XX/XX/XXXX ) I called my bank 's specialist from the Citibank Fraud department, who issued a hold/block on my banking accounts to prevent any further fraudulent activity. I also drove to the police station which was closed, so the police were contacted and arrived to my house, taking photographs of the evidence/proof of the fraud activity provided through my phone. A detective contacted me the following day ( Tuesday XX/XX/XXXX ) to let me know my local Police Department and detective were assigned to my case. On Tuesday, I went to my local Citibank branch to complete an affidavit which was notarized for the unauthorized wire transfer and fraud that occurred, as well as the identity theft of the criminals who impersonated myself when they made an outbound call on Monday the XXXX to Citibank to impersonate me to authorize their wire transfer under my identity. Citibank is currently investigating and reviewing this fraud case, and the Affidavit is still being sent but will process on Friday XX/XX/XXXX through Citibank 's Incident Report Unit. I have also filed a case with FBI 's Internet Crime Complaint Center ( IC3.gov ). {$59000.00} was wired from my savings and checking account with Citibank, unauthorized by 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 2021-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was mistakenly sent XXXX dollars. Paypal then tried to debt me XXXX, when I asked about why this was, they blamed me for the entire thing. I didnt know the sender, and when I asked immediately about the money sent by mistake, I was told I didnt do it fast enough ( I asked the same day ). I was told I should have refunded the XXXX, even though I was only sent XXXX. This makes no sense to me, and they have yet to explain this. They will not allow me to close my account, nor limit its income leaving me open to be scammed again. 
I have contacted Paypal several times and they insist there is nothing they can do to close their own account nor limit its ability to receive money. This has been in dispute since XXXX. Why is it my fault someone sent me money by apparently typing in the wrong email address, and then its my responsibility to pay the fee? I have a very unusual name / email address. There is no way this was just a mistake. I never wanted a paypal account, XXXX refunded money to my CLOSED paypal account and forced me to reopen/ connect it to my checking account to get my money back that I never had in paypal to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
I got a forbearance due to covid and it ends on XXXX. On XXXX I sent in a request form for a Loan Modification, as I wanted to be proactive and get the payments setup before I was to resume normal payments. I did not wish for this to affect my credit. The Mortgage company sent an insulting and predatory loan modification offer to me that extended the term of the loan an additional 11 years, while only lowering the payment by {$260.00} per month. Naturally, I declined this offer and requested a deferral instead. That was 2 weeks ago, and they now say I am no longer elligible for a deferral since I requested a loan modification. I was never informed I would be giving up the deferral option when requesting a loan modification, and even if that was the case.. why was this information not shared 2 weeks ago when it was requested? I am now 10 days from the forbearance ending with no plan in place. It seems this will start affecting my credit unless we have a solution by then.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. 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 data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD AUTO FIN XX/XX/2017 {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-10-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: GULF COAST COLLECTION BUREAU, INC.
State: NC

Complaint narrative:
Account was paid off but is still on credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Wednesday, XX/XX/2021 at the chase bank located at XXXX XXXX XXXX XXXX XXXX, CA XXXX I entered the branch to cash a check from my employer drawn on Chase bank. At the time my Chase checking account was overdrawn approximately {$60.00}. The teller refused to cash the check from my employer - drawn on Chase bank and from an account with available funds to cover the check - because my account was overdrawn. I asked for the branch manager to get involved. After explaining the situation to the branch manager, again my request cash the check was refused by the bank. Furthermore, the branch manager refused my request to contact the internal compliance auditor for their area to verify the practice he was implying was legal as I informed him it was illegal per my experience working as a branch manager for XXXX Bank in Texas and a service manager and banker for XXXX XXXX in years prior. 

The bank forced me to deposit the check in my account although it was drawn on Chase to cover the overdrawn amount prior to receiving any funds. The bank took my money hostage. The branch manager refused to double check the practices he was employing were compliant with regulations despite being cautioned that the practices were illegal.. This is not OK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 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: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
Pursuant 15 U.S. Code 1681 Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Remove the following from any all credit reports : Alliant Credit Union XX/XX/2021 Alliant Credit Union XX/XX/2021 Factual Data XXXX XXXX XXXX XXXX XXXX XXXX Card Services XXXX XXXX XXXX Card Services XX/XX/2021 XXXX XXXX and Finance Companies XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 Banks XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have a right to privacy pursuant to 15 USC 1681 and my federally protected consumer rights are being violated.

12 CFR 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent because the consumer failed to pay the disputed amount or related finance or other charges.

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
in XX/XX/XXXX, I lost my job and the citizen one put me on Forbiddance plan. i got my job back on XX/XX/XXXX. on XX/XX/XXXX, I contacted the financial institution ( citizen one ) to remove me from the forbearance plan and allow me to start making a monthly payment as i can't pay 8 months of mortgage in one shot. they agree and they send my account to be reviewed. since XXXX until XX/XX/XXXX they still doing a review. they kept putting my account on more forbearance plan extensions with no resolution. i have been calling them for the past 7 months twice a month to see if there is any answer. Now i am supposed to pay {$66000.00} or they will report it to the credit bureau. i made few payments during the past 7 months but it doesnt show on my account. they claim they can't post it until the account get a resolution. So, they are collecting interest although i am willing to make payments and my payments doesn't get posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
ACIMA issues are they tried hitting my account for payments 2 times and i set the account on monthly and it's suppose to be 90 days same as cash. 
I called get hung up on trying to resolve the issue. 
My bank contacted me to Acima was trying to hit my account 2 times weekly.

Bank stop payments to Acima due to them trying to hit my account 2 times a week Rude on phone always trying to over talk you never can say one thing to resolve the account.

{$50.00} dollars that was told to open the account and it went towards my bill. One lie after another with Acima and this weekly I change setting the account up in the store over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of ID Theft with Synchrony Bank / PayPal Credit. I have submitted a police report and other information to verify my identity and they are refusing to close this as fraud. Every time I call Synchrony Bank / PayPal Credit to get a status update they keep giving me false information and making up excuses as to why they aren't closing this as fraud. I most recently called them on XX/XX/2021 and this time I was told by XXXX that they didn't get the documents I sent them back in XX/XX/2021, so that is why the fraud claim was denied. I am frustrated with this Bank, they don't listen and they don't understand fraud/ID Theft. This account was not opened by me and Synchrony Bank XXXX PayPal Credit needs to rectify this situation.

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 2021-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint against : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Victim : XXXX XXXX and XXXX XXXX email : XXXX XXXX XXXX ACCT NO. XXXX XXXX XXXX {$25000.00} XXXX XXXX ACCT NO. XXXX XXXX XXXX {$78000.00} ACCT NO. XXXX XXXX XXXX {$43000.00} TOTAL {$150000.00} On or about XX/XX/XXXX , Bank of America closed all 5 of my accounts, without giving cause or reason. as best I can conclude in XX/XX/XXXX I asked them to reopen a fraud complaint regarding {$10000.00} that they erroneously cashed for a person. I speculate that Bank of America 's fraud alert system triggered my account to be closed, as they did XXXX other customers who are in an EDD card class action lawsuit. 

The judge in that case has ordered a preliminary injunction dated XX/XX/XXXX that Bank of America was to return all funds and reopen all accounts closed due to fraud complaints within 45 days. Although I am not part of this lawsuit and the principal class I do fall under injunctive relief actions. The injunction states that the bank is also to give written notice and reason for their findings after they investigate, but to release the funds and not hold the funds hostage. 

Now, in XX/XX/XXXX Bank of America advised that they had completed their investigation regarding the account where the {$10000.00} was removed from and they sent me two checks totaling around {$3000.00}. However, as of today, three accounts only related because I am the principal remain closed with the funds in their possession. as of XX/XX/XXXX they advise that the funds in the amount of {$140000.00} are being held in some unit called their Hold Harmless unit. I have this week sent them a letter instructing them to return my almost {$140000.00} plus interest and I would hold them harmless from anyone who has no claims to this fund and who might make a claim, other than me. 

Now, when I attempt to call or go into a bank they read a note that they are not supposed to tell me anything or answer any questions and that I should mail anything and put it in writing. They have taken the position of not resolving the matter and maximizing damages. 

This has been 5 months and Bank of America has not given any reasons, except they said in XXXX that they could take 90 days to resolve the issue as per banking regulations. It has been over 150 days. Also, the judge gave them 45 days. They have caused my business to be shut down and all my employees to be laid off and they were the bank that our government chose to assist in unemployment EDD funds distribution. It is a joke and not just me, but over 350,000 people are suffering.

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