vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/21, I called Citibank requesting details about my recent scam transaction that I need to provide to the XXXX XXXX police. My case is currently with XXXX XXXX. I specified that I need a statement from the bank showing my name, my bank, my account, the date of the wire, the amount of the wire, the person receiving the wire, the bank receiving the wire, and the account receiving the wire. I know all those information myself! I just need a statement from the bank! And I told the representative that I have the bank statement but the bank statement information isn't enough since it only states the date of the wire and the amount but the person receiving the money and the bank receiving the money is not there. Citibank said they will email me the details but they send me the bank statement. Then on XX/XX/21, I called again. They still send me the bank statement. On XX/XX/21, I called again and they still send me the bank statement regardless of what I specify. This is a criminal case that I am chasing after and they are delaying it! I AM REALLY ANGRY. I am not asking for someone else 's statement. I am asking for my OWN statement with DETAIL and they CAN NOT provide a statement of their OWN bank. How can I trust Citibank have my best interest in mind when I already opened up several investigations with them and they keep closing them on these same few wires? I am VERY DISAPPOINTED and FRUSTRATED and EXHAUSTED about this. How many phone calls do I HAVE TO CALL? How many more people do I have to speak with and they give me same superficial answers and still not do what I ask for?

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 2021-09-09 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: OH

Complaint narrative:
Hello, XXXX XXXX  : XXXX # XXXX ; Experian # XXXX ; XXXX  # XXXX I have requested the above account be removed off my credit report. As I'm an Authorized User and the Primary Account Holder has abused the account and placing negative information on my credit report. Please remove ASAP as I'm in the process buying a house.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
I found a vanilla visa gift card that someone gave me in the past. I have never used it. It was expired, so I attempted to contact the company to get a replacement card. The website simply says the card is invalid and to contact customer care. I contacted customer care on XX/XX/21, and was told I would be mailed a replacement card. I waited and waited, didn't get anything, so I called back. I was then told that I would have to wait until XX/XX/21 at the earliest to receive a replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: DC

Complaint narrative:
To date PNC has refused to lift the restrictions to my having online access to my account This unreasonable restriction to online access to at account has been imposed for six consecutive months In fact PNC has been further financially exploding me as a XXXX, senior citizen client by intentionally sending multiple paper bank statement and charging inflated fees to intentionally cause my account to go into overdraft to intentionally impose overdrafts fees. 

PNC has also intentionally restricted all online access to my account that was imposed initially upon opening my account XX/XX/XXXX, I have no access to free online banking statement I am XXXX XXXX XXXX impaired customer whom recently suffered a XXXX XXXX, a few month ago. I informed PNC six months ago that I am not XXXX  capable of calling and visiting the branch, I can not XXXX  to ATM However PNC has no value for me as a XXXX customer, that they refuse to provide me with required reasonable accommodations, they refuse to refund me the XXXX dollars I was shorted upon initially opening the account XX/XX/XXXX, When I requested free of charge checks to access the account they refused. 

As I stipulated PNC has absolutely no value for me as a XXXX customer or they would at least stop being so petty, refund the XXXX dollars I was shorted, upon initially opening the account XX/XX/XXXX, lift the online restrictions, that is currently on my account, since XX/XX/XXXX and provide free of charge checks to at least provide me with some kind of access to the account. 
This isn't an isolated incident, PNC imposed unreasonable restrictions on prior account, to limit my access in XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DriveTime
State: SC

Complaint narrative:
This is a final written notice to XXXX XXXX who acts as ceo of Drivetime I am invoking my right of rescission because of deceptive cosigner practices 16 CFR 444.3 and lies about the finance charge told to me by at the dealership in person. Today XX/XX/2021 somebody came by my house by the name of XXXX trying to steal my car for your company but he does not work for your company he works for XXXX XXXX XXXX. I was not home but my aunt was, he told her he works for XXXX XXXX XXXX and when he comes back if he does not see the car the police will come and arrest me. He nor you are licensed to collect debt from the division of banks. An XXXX XXXX who acts as ceo of Drivetime has not responded to any affidavits. 
This is a written demand to cease and desist immediately. This was a threat to me and my aunt. These actions have caused her XXXX  and XXXX. These actions have caused me XXXX  and XXXX. Do not threaten me, my aunt, my property or proceeds from this day forward or a criminal and civil complaint may be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear WSFS, Thank you for attached XX/XX/2021 Response Letter to CFPB Complaint # XXXX. 

Kindly please provide a corrected 1099 for account # XXXX for the property : XXXX XXXX XXXX XXXX, FL XXXX The attached IRS Form 1099 received from XXXX XXXX XXXX, notes that it is the lender for account # XXXX for the above referenced property. 

As there is no account # XXXX noted on the attached XXXX XXXXXXXX XXXX XXXX loan schedule and as there is no evidence that XXXX XXXX XXXX was the lender, we are requesting a corrected 1099 from Wilmington Savings Fund Society , FSB, D/B/A CHRISTIANA TRUST not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX. 

Please send a corrected IRS Form 1099A. 

Thank you very much for your immediate attention to this IRS reporting matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime abruptly ended my account for no reason at all. They claimed my account may not have been in compliance with certain terms of the Deposit Account Agreement, yet they refuse to give me a specific, legitimate reason as to why my account was closed so suddenly. Not to mention that the funds on account might not be received in the mail for up to 30 days. Is it anything I can do? At this point I was just to be able to access my funds immediately instead of having to wait 30 days. My business with Chime is done, which is unfortunate because I have been a Chime member for a couple of years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
3 credit bureaus. are reporting late payments I have never been late on any payments.they stated 1 being mortgage I sent then full copy of all payments they didnt correct. They are Fabracating and reporting to banks credit card cos. etc. THE REPORTS I SEE FROM THEN DONT SHOW ANY LATE PAYMENTS ON ANY 10 ACCOUNTS.THEY ARE REFERING TO.

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 2021-09-09 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
What Is this complain about? 

Pre-XXXX  Successful Loan Modification on my family residence townhouse, the 1st Mortgage holder was XXXX XXXX XXXX. This previous 1st Mortgage was secured by a Deed of Trust, that is now more than 10 years old. There is a lien recorded due to this old 1st XXXX XXXX XXXX that still exists and needs to be removed now when XXXX  XXXX Claim & The legal basis of the claim now is made known via a XXXX  XXXX Point of Contact to be specified by them as per this request via this CFPB protocol. 

The XXXX Loan Modification was done via XXXX 1st Mortgage Loan who assigned the modified loan to XXXX ( XXXX Subsidiary ). About 5 years ago, this modified loan was purchased by XXXX of Texas who still this new modified 1st Mortgage holder. 

This current modified 1st Mortgage is current and always been so. The current monthly payment as specified by XXXX is $ XXXXMonth with {$600.00} for 1st Mortgage Payment and XXXX XXXX/Mo for Escrow. 


What Happened? 

Until XXXX, XXXX when XXXX  XXXX XXXX  selected 3rd Party Debt Collector, for more than 10 years, XXXX  XXXX XXXX never contacted me regarding payment on their claim. SPS.COM weekly mailing of monthly payment does not specify what the XXXX XXXX Claim currently is and the legal basis of that claim. 

This issue needs to be specified and clarified by a qualified XXXX  XXXX XXXX POC, to determine legimacy and fairness by a specified POC for XXXX  XXXX XXXX 

Discussed by qualified legal representative for myself & family. Once this XXXX XXXX  claim and the legal basis is undestoods, steps than can be taken to legally settle a just monetary settlement so that the XXXX  XXXX lien can be removed legally. 
SPS.COM is a 3rd party debt collector located in XXXX XXXX XXXX, UT. Each week they send a weekly payment due billing on behalf of XXXX  XXXX XXXX that does not specify either the " XXXX XXXX Claim '' currently or the legal basis of that claim. 

For example, if legal basis of the XXXX  XXXX XXXX claim is that they are exampt from the State of Virginia Statuatory limitation of 7 years, there needs to be legal justification for such XXXX XXXX XXXX examption claim via conversation with a qualified XXXX  XXXX XXXX POC and my legal representative verbally and if necessary in writing. 

What Happened TOPIC 02 : State of Virginia Attorney General 's Office Consumer Complaint No : XXXX XXXX XXXX XXXX XXXX SPS.COM Secondly, Since the XXXX Mortgage Forebearance is administered by the Office of Attorney General in Virginia, I filed a complaint against SPS.COM, in XXXX, XXXX for assistance in receiving such legal clarification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I received a debt collection letter from Jefferson Capital, stating that I had a collection for XXXX XXXX. I have never had an account with XXXX so I dont know how I would owe them anything. 
I called XXXX, but they would not speak to me about an account the is in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX i sent by certified mail to Receivables Management Systems a letter to validate a debt they have been reporting on my Credit Report Since XXXX. They failed to respond to me at all. On XX/XX/XXXX, a dispute was started with XXXX, they quickly verified this account with XXXX and continue to damage my credit with this unvalidated information. On XX/XX/XXXX Received a letter from RMS SAYING THEY NEEDED TIME TO VALIDATE THE ACCOUNT BY REACHING OUT TO THE ORINGINAL CREDITOR, ON XX/XX/XXXX I CALLED RMS AT XXXX A.M TO DISCUSS THIS, RMS CONFIRMED ON THE PHONE TO ME THEY COULD NOT VALIDATE THE ACCOUNT, BUT STILL REPORT THIS HARMFUL INFORMATION ON MY CREDIT ACCOUNTS. I SHOULD NOT HAVE TO CONTINUE TO SUFFER ANY LONGER BECAUSE OF THEIR FALSE REPORTING PRACTICES. I REQUEST THE NEGATIVE ACCOUNT BE REMOVED DELETED FROM ALL CREDIT BUREAS IMMEDIATELY. ALSO THEY SHOULD BE FINED AND I AM REWARDED MONETARY DAMAGES. RMS ALSO LIED AND SAID THEY DID NOT RECEIVE MY ORINGINAL XX/XX/XXXX REQUEST BUT IT WAS SIGNED FOR BY THEM. THEY ONLY RESPONDED TO THE XXXX DISPUTE ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I received two letters from Wells Fargo bank on XXXX XXXX, XXXX. One contained a credit card in my name. This was not a credit card offer but an actual card. The other was a PIN for the aforementioned card. I called the number for customer service from the first letter. I stated I had not had an account with Wells Fargo for at least 12 years and that I had not applied for a card with them. The first thing they asked for after my name was my FULL social security number. I said I would not give them this and would go to the local bank .I did so that same day and spoke with XXXX XXXX XXXX XXXX XXXX He looked up the card and stated an account had been opened in my name online with Wells Fargo on XX/XX/XXXX. He verified who I was with my driver 's license and last 4 digits of my social security number. He then called someone named XXXX at Wells Fargo. She said there was an investigation recently started into this kind of issue and, in fact, XXXX told me before the call there had just been an Alert issued that day or the day before. I asked XXXX to have this account closed that day. XXXX, who would not give her last name, said that she would not close the account because she did not know if that was OK due to the investigation. She gave XXXX a claim # XXXX for their investigation. When XXXX got off the phone I insisted that account be closed .He did so and I was given a document stating that the account was closed. I went to the FTC website and was redirected here. 
The billing address I submitted below is the address I was living at several months ago.

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 2021-09-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: CO

Complaint narrative:
nelnet Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6800.00} Payment Info Status : Current Status date : XX/XX/XXXX Past due amount - Original loan amount : {$4400.00} Monthly payment : {$55.00} Late payments - Account number : XXXX Account status : Open Date opened : XX/XX/XXXX Account type : Education Loan Paid Off : 0 % Balance on XX/XX/XXXX original loan : XXXX Loan Amount : {$23000.00} Contact po box XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX They are claiming I consolidated with them in XXXX, and that my original loan was XXXX, then I have another loan above with them for XXXX now owe a total of XXXX my original loan with college back was a max of XXXX, this is more than my original loan per Federal student aide of what they have posted through nelnet.. 
federal Student Aide and Nelnet can not produce me any information regarding my loan. 
Nelnet is fraudulently stating i had a promissory note with them from XXXX however this is not true number one they have not validated this loan with all and any documents further more, it is impossible to have a account with nelnet when another company by the name of XXXX XXXX XXXX through XXXX XXXX XXXX. had my account that was opened XX/XX/XXXX XXXX that would of washed out there so called contract that they are fraudulently stating i opened with them. i cant very well have two companies with contracts for the same years being claimed, billed and owe for the last few years. showing wo complete opposite accounts per XX/XX/XXXX credit report XXXX Account Info Account number XXXX Account status : Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$24000.00} wih owing of XXXX this account i never consolidated and i want it closed completely some one is fraudulently charging me with two different accounts, two different amounts although Nelnet has two separate loans. 

I have reported this to the attorney general and all other government agency to get this issue resolved every time I have asked for a copy of all my documentation I have not received anything except once thru a secured site a promissory note that was inadequately filled out and with wrong information. I couldn't save it or down load it nor could i get back into the secured site. i have a right to all and anything related to me, all my documentation. 


I have years of credit reports that show and prove this information i can print them out and sent the ones only regarding the loan if needed. to any and all companies. 

i do not want to send my whole report the information was cut and pasted from two reports above

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
When pre-approved for the loan on XX/XX/2021 for {$9000.00} to use to pay off credit card debt, it was not mentioned in the application process or pre-approval notice that my current loan with them ( XXXX ) would be paid off first and the remaining amount be distributed to me. Because of this I have hard credit pulls for a loan that I am no longer willing to take. If I would have known this prior to submitting the application, I would not have completed the application process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been following my credit report since Identity theft. They are still reporting me as delinquency on three accounts. Bad payment on four accounts Pass due XXXX I am not accountable for any of this. My bills are paid on time I have been working with Experian to correct this error for many years now they would correct it and then repeat the same error. Because of Identity theft I was sent to the fraud department and also passed along to other departments recently. I was only been late on my mortgage back in XXXX one time and one time XXXX because of my spouse death. before his passing we were never late. The bill was paid in full by the XXXX XXXX  XXXX XXXX and cleared. Hopefully that should come off my credit in a timely manner. I have tried Experian boost with a referral of communication over the phone. went online put my information in. It has been a couple of years now there still checking and have not seen my utilities bills, as shows. I do have utilities bill and they are paid on timely basis. I would not be able to function in my home, If I didn't have utilities. I have given them my information and this company tells me to reach out to them, and when I do nothing changes. Yes they sound good when there talking to you but give it time there word is unfairly not true.

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 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I filed a dispute with Credence who now collects on the debt and they responded saying that the debt was verified but gave no indication a to why I owed that amount. XXXX sent me a bill totalling over {$1000.00} but the bill says that the lines were cancelled and satisfied. The amounts do not add up and I was told I did not owe anything after I cancelled my lines as I was no longer under contract. I do not own XXXX or credence anything and I would like it removed from my credit report as I also believe it is beyond the statue of limitation for collection.

Company response to consumer: Closed with non-monetary relief