vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i am not sure what all is deceptive with XXXX XXXX XXXX but i do know that negotiations for credit card settlements with the last account which is discover was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with XXXX included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my wells fargo account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for XXXX fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to Experian i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both Experian credit bureau as well as XXXX 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 2020-08-17 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: FREEDOM FINANCIAL NETWORK
State: DE

Complaint narrative:
i am not sure what all is deceptive with freedom debt relief but i do know that negotiations for credit card settlements with the last account which is XXXX  was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with FDR included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my XXXX XXXX account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for FDR fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to XXXX  i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both XXXX  credit bureau as well as freedomdebt relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXX, XXXX and SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a Corona alert on my phone, stating customer during this time please make it a priority to return this call. Since I have been hearing so much about the phone companies putting alerts and notifications on the phone I thought it was something stating that I had been exposed to Covid or something. My heart was racing. I called the XXXX Phone number and it was comenity bank. This is an underhanded tactic, during this time no one should be allowed to do this. 


Map of XXXX XXXX, KS US XXXX XXXX, KS US Corona Alert Customers during this time please make it a priority to return this call at XXXX. Again that number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 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: NCB Management Services Inc.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX   XXXX I ), and XXXX, XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX, NCB ( Original Creditor : 14 XXXX XXXX XXXX I ), and XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Lockhart, Morris & Montgomery Inc.
State: NJ

Complaint narrative:
I have a loan with XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : 14 XXXX XXXX   XXXX I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX ). I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : 14 XXXX XXXX XXXX  I ), and LOCKHART, MORRIS & MONT ( Original Creditor : XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Synovus Bank
State: NJ

Complaint narrative:
I have a loan with FSTPROGRESS, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, FSTPROGRESS, XXXX XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I have a loan with XXXX, XXXX XXXX XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: ERC
State: MI

Complaint narrative:
I've been disputing XXXX for a balance of XXXX for what seems like forever they allowed someone who couldn't have shown identification to get service and want me to pay for it it's unfair for me to be paying for there mistake and to have it on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
this company is reporting a account on my credit report when I never had a account with them. My identity has been stolen and this company is using my identity for their personal gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a {$2.00} XXXX dollar 'pump and dump COVID-19 ' debt related securities fraud which parties include Citigroup , XXXX, and XXXX XXXX . This scheme was devised by the parties to use XXXX in facilitating international debt related payments from XXXX XXXX to third parties, which criminality falls under the RICO statute, or Title 18 of the United States Code, Section 1961 ( 4 ),  statutes of transnational COVID-19 organized crime. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX   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 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank is my Bank and has been causing issues all through the pandemic. I continually had to call to have fees that were taken out put back into my account. The bank claims I was under {$100.00} so they charged me {$15.00}. The account was not under {$100.00} ever during the month of XXXX. Regardless, there is a pandemic still in XXXX and most of TD banks are not open. Those that are have waiting lines of 150+. Therefore Governor XXXX also explained that these additional fees should not be taken at this special time. I would like my funds returned and for the bank to stop these unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I got a loan from Santander back in XX/XX/2016 for a vehicle. The car value was close to XXXX, but I already had a vehicle loan with a XXXX income. I was quickly approved and left the dealership 30-45 minutes after arrival. I was past XXXX XXXX and I was the only client that had been holding up the reps at that dealership. I recently just disposed my paperwork with Santander, but I do have proof of business with them through email notifications. One time they tried repossessed my vehicle, when I picked it up, the hood of the car flew off not even a minutes after leaving the lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: GA

Complaint narrative:
I have a cash app card. They locked my account, ive emailed numerous times to get account unlocked, with no luck or response. I can not get to my own money. I sent proper documentation to verify who I am. Still nothing from cash app team. I also wrote a letter, no response. I got all emails that ive sent to the support team no luck. I just want my own money. Its been over 27 days if not longer. XXXX XXXX email XXXX, number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: VA

Complaint narrative:
I started a loan with them in the amount of XXXX. They gave me a schedule on when it should be paid. I been paying them XXXX since XX/XX/XXXX. ItsXX/XX/XXXX and the loan has not sufficed. I called a rep stated due to Covid we are paying interest only XXXX in interest. I advised the payments have been the same since the beginning. They advised me they can change the rules anytime. This is entrapment Ive paid well over XXXX for a XXXX loan. I feel like Im trapped and its not fair at all to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: FL

Complaint narrative:
I am so tired of going back-and-forth with this the bureau you are allowing the same fraudulent company XXXX to consistently re-age and re-report a fraudulent account. The funny thing is every time I call you guys immediately take it off and admit that it is a fraudulent account but every few months we have to go through this so now I'm coming to look at some of finance protection bureau for some help. They change the dates or the amounts slightly in order to continue this XXXX. The account numberer XXXX IS XXXX I SICK OF THIS SOMEONE NEEDS TO DO SOMETHING IMMEDIATELY AS SOON AS I TOOK MY FRAUD ALERT OFF MY CREDIT TO APPLY FOR A HOUSE YOU GUYS ALLOW THIS TO HAPPEN AND THEY DESTROYED MY CHANCES OF ACQUIRING MY HOME MY PART OF THE AMERICAN DREAM AND WORSE I LOST MY XXXX ESCROW. Also you guys wiped out all my good credit causing XXXX XXXX and various others to close down my accounts for a fraud account but left all the fraudulent inquiries that were linked to the accounts where the XXXX does that make sense. These address have are fraudulent that has been reinserted that's has been to various accounts that's has proven fraudulent and thus removed for my credit. 
XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX, FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: OH

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is 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 explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
Step 1 : What is this complaint about? 
Flag Star refuses to remove a late payment remark on my credit report after several attempts of contacting them explaining my medical situation.

Step 2 : What type of problem are you having? 

Late payment removal Step 3 : What happened? 
I have 1 late payment on my Flag Star mortgage account. The payment was due XX/XX/XXXX and the payment was received by Flag Star on XX/XX/XXXX. My reason for being late was because I was XXXX XXXX  for over 30 days receiving treatment and was physically unable to make a payment. I did make the payment as soon as I was discharged. I do not have any late payments or remarks on my credit report until this one, and it is drastically effecting my score. I reached out to them several times and they respond with the same answer every time. " We have no reason to change the report status ''. I have submitted all the documents and files I can find to support my claim and they still have not decided to keep the late payment on my credit report. I have enough issues with medical bills and now I have to deal with high interest rates for the next 7 years. I signed up for automatic payments so in the future I wont miss any payments XXXX forbid. I faxed, emailed, called and sent a letter to them. 

Step 4 : What company is this complaint about? 
Flag Star Bank Step 5 : Who are the people involved? 

Flag Star Staff The payment amount is for {$1500.00} I think considering I was XXXX XXXX   during COVID-19 and XXXX  and I obviously had no control over these circumstances, I should be excused of this late payment.

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 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TN

Complaint narrative:
OnXX/XX/XXXX I opened a premier checking bundle online with First Citizens Bank in respond to their new account promotion ( see attached screenshot ). Per the promotion term, earn {$500.00} when open a new premier checking bundle and deposit and maintain a combined checking and savings of $ XXXX for 90days, and make 10 debit card transactions within 90days. I have met all the requirements but never received the {$500.00} bonus. When i contacted them to inquire about it i was given no response other than diverting me to the local branch for help, even though there is no branch in my city. I'm shocked by their lack of care and indifferent customer service attitude.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 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: OH

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is 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 explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Our Mortgage was transfer to this Company back in XXXX. We have not missed a payment. They are sending Default letter in the mail. Having people coming on our property taken pictures and dropping off DEFAULT PAPERS on our door steps. We have contact XXXX, they confirmed in their response we have not missed a payment with them. We have requested several times this company to provide proof. We have not received any proof. Our payment for this month have not cleared as of XX/XX/XXXX. It was mailed XX/XX/XXXX and last Month it cleared on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On or about XXXX through XX/XX/2015 I experienced some hardship to my finances do to divorce and helping my mother out due to her losing her job and only source of income therefore all of my credit obligations were defaulted on. During these time I received false threats, from Navy Federal, legal action and wage garnishment. In addition to that false threats to contact my commanding officers as a tactic to pressure me to repay. Also Navy Federal misinterpreted credit consequences of falling behind on all my loans and credit card obligations. Then Illegally froze access to my accounts which enabled me to try to satisfy any other debts that occurred during that time frame. The accounts in question are as follows : Navy Federal Credit Card : Charged off XXXX Navy Federal unsecured Loan : Charged Off : XXXX Navy Federal unsecured Loan : Charged Off : XXXX Prior to the above financial mishaps I had no trouble with paying satisfactory on my financial obligations. There should have been no reason as to why they couldnt offer me repayment plans to help me fix the issue or contact me to explain what I need to do to straighten this out. I know its already 5 years but the route they took with me was unexceptionable and needs to be handled accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation