vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/12 I sent a complaint about Citi Bank ( ID XXXX ). 

Per the Citi Bank account 's response, I waited to receive a reference number to my address on file, but no such number every was received ( I have received my Citi debit card and account checks to the address ). In addition, after reflecting sending two forms of ID over the mail is not a safe or fair request as sending ID by mail creates an unnecessary identify theft risk.

As of now Citi bank has still not given me access to my funds or a reasonable and safe pathway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
On XX/XX/XXXX I checked my Schwab Bank account and found a not saying 'CLIENT REQUEST NETCSH '' and my entire balance ( {$47000.00} ) had been deducted from my portfolio on XX/XX/XXXX. I messaged the online service and was told that my account was closed and a check was sent to my address on file. 

I called the bank 's 24/7 hour hotline and was told they had no information but I could call during business hours ( in 2 days ) to speak with the department. I received no email, message or response about such a large and sudden change to my account. I will call when the department opens, but at a minimum this is extremely frustrating that the bank could let something like that happen without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I received medical care from XXXX XXXX XX/XX/2018. I filled out an application for Financial Assistance/XXXX XXXX within a week of services rendered. I was Uninsured, unemployed, receiving XXXX, single parent of a baby and transient at the time due to leaving an unsafe situation. XXXX made no attempt to reasonably contact me ( not even a phone call to help before selling it off ) of their determination and sold the debt ; reporting adverse information. Now I have a medical bill reporting on my credit from Merchants Credit Guide Company ( MCG ) since 2018 in the amount of {$7400.00} on behalf of XXXX. I requested a verification of debt from MCG. They sent me a copy of a bill they have on file which shows the bill was paid as a charity adjustment with a negative balance. They are continuing to report a bill that is paid. XXXX informed me they had no proof of anything and Im financially responsible. MCG will not update and remove their inaccurate reporting. Neither company has been helpful and the reporting on this matter has been harmful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-24 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES CITIZEN, RETIRED AS A XXXX FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX CARD WAS PAID PAID AS A SETTLEMENT DONE THROUGH NATIONAL CREDIT ADJUSTERS AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I deposited my XXXX XXXX Stimulus check, and upon the bank 's Disclosure and Agreement, even for the new accounts, the check MUST be available on the next business day that's also what the bank teller told me. However, they put an extended hold for which I had to waste 3 hours of my work morning to find out what's going on. When I reach the representative, he said it's your first deposit so that's why there is a 5 business day hold on the Government Check. I told him to give me a temporary credit and while I was finishing my sentence he hangs up on me. I tried to chat with several representatives, no one helped me. They are violating their own disclosers and my rights and there is no one to contact with. 
I also made cfpb complaint # XXXX and received emails from the bank saying - We are still investigated your complaint.

However, after wasting 2-3 months, all I received was thair Deposit account agreement and that they have the right to close my account. The company 's response is nonrelevent and does NOT address to my questions and concerns.
Besides this problem, bank says they are planing to close my accunt. It's been over 3 months and I still haven't receive my account closing balance. They are holding my money and are not sending me a check while claiming the account is being closed. My rights are seriously violated. I wasted 3 months waiting for thair answer and for my money in the mail and they failed to do both. Their account agreements are NOT answering my concerns. If company continue to ignore I will move to Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax credit solutions is holding a fraudulent credit card on my credit report. This happened over 8 years ago and aren't complying with FAIR CREDIT REPORTING AGENCIES LAWS AND SPECIAL SECTIONS.

My USAA CREDIT CARD WAS SENT TO " WHO KNOWS '' complete fraudulent person and I saw that I was robbed XXXX $ in 3 weeks. They have payments for fraudulent card on still good card and is messing my credit so much that it is putting my life in XXXX. So one card is fraud and second usaa card dates were put on wrong card. So fraudulent card should by year 's be off my report and the late payments should be off other card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: EQUIFAX, INC.
State: CO

Complaint narrative:
This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
MY NAME IS XXXX XXXX XXXX, AND I AM A UNITED STATES XXXX, XXXX  AS A CIVILIAN FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX XXXX  WAS PAID PAID AS A SETTLEMENT DONE THROUGH XXXX XXXX XXXX AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: GA

Complaint narrative:
I submitted dispute letters on XX/XX/2020 and have yet to receive any indication that an investigation has started. I feel like I'm being taken advantage of. To my knowledge the bureaus are supposed to respond with results within 30 days. It's going on day 40 and I haven't heard anything. The information being reported on my credit file is completely unverifiable and inaccurate and should be deleted immediately. I have called numerous times about this matter. Please expedite the process, I am in distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX primary residence and mailing XXXX I am writing this complaint as a last resort. Last year with covid we were treated in disregard by XXXX I have attempted to get all documents relating to our loan since my initial complaint, have called left voicemails and sent emails with zero response from the company I have went online to make payments and not been able to or to even see my loan history or where all these fees late fees etc. I requested a forbearance which was initially supposed to be granted but due to them telling me that I didnt have fha I set up a repayment plan. I then paid on this as agreed and then we had a horrible storm come through causing damage I requested a forbearance which was granted of 6 months a rep came out and took pictures afterwards of the roof and a few other things and said they would be in contact but I have failed to get anyone with Selene to answer my home has multiple issues that need repaired and I am currently working with the office of disaster assistance /fema as directed I have asked again about forbearance payment arrangements etc all I have gotten from them is a forclosure letter stating XX/XX/XXXX as the date I even ccd the attorney office on this, XXXX XXXX requested documents as well in regard to this being fha and to distribute these per respa and they still have not : I am trying to keep my home, I am an XXXX veteran, we have been through this with them several times and I never can get answers or we are treated like we do not matter. I was informed by an attorney They still have funds left from he bailout in XXXX and received even more to help homeowners which have not been used. We need help and to be able to stay in our home and have it repaired appropriately instead of living somewhere we cant even get the mortgage company to answer a call to even get a check signed by them for repairs to be done. When I went online and checked about this numerous complaints were found with the same issues. This is very sad to be treated in this way when we have had our loan since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: AR

Complaint narrative:
I have informed Transunion several times about these fraud inquires but they did not delete them. I am requesting again that this information is deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XX/XX/2021 I filled out an online preapproval application with XXXX XXXX XXXX. On XX/XX/2021, I received a denial letter from American Credit Acceptance stating that XXXX forwarded my personal information to them. I do not know who they are and I never gave them my personal information. This company did not have my permission to get, keep, or review my personal information. I have a right to privacy pursuant to the FCRA. They also violated the FCRA by leaving an inquiry on my consumer report. This company also violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor. Pursuant to 15 USC 1602 ( f ) credit means the right granted. 15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card. 15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card. On XX/XX/2021, I filled out an identity theft report on this company for the fraudulent activity theyre performing. They are acting like theyre the original creditor and thats false and deceptive because their title is lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: KY

Complaint narrative:
I contacted Transunion and explained the situation that someone has been attempting to purchase thing in my name. They reviewed and deleted some of the information but all the information on this ID theft report should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Okay, here we go again. So on XX/XX/XXXX Ocwen changed the name of the fake insurance they paid from XXXX  to XXXX. They did this to hide the scamming. So let me enlighten you by attaching it. Just scroll to XX/XX/XXXX and wow what do you know-fraud. Neither one of these insurance companies exist. Ocwen would purposely not pay your insurance on time and then force their insurance down your throat. Don't believe me? No worries I will prove my point. Click on the attachments and read what the insurance agents had to say. I have been waiting since XX/XX/XXXX and it's XXXX/XXXX/XXXX for the checks we were charged for. Sure is taking a long time to send that proof over. Why do you refuse to send these XXXX? 
You keep sending me letters that I am not being clear about my complaints. You sir are the one that writes inuendos and refuses to supply the information requested. You state that it is just a waste of time and so many emails. Maybe XXXX you would not get so many emails if you would send the information over. How many times do you need to be asked? So I guess the XXXX complaints online and the numerous lawsuits are all make-believe? 
Quit telling me I can not contact my mortgage company. You do not have that right. Your 2 months of knowledge does not justify you know the logistics of this XXXX loan. So email me what I have asked for instead of the same bs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: CA

Complaint narrative:
I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My name is XXXX XXXX. Over three years or so I joined XXXX XXXX XXXX, in XXXX NC. Right a COVID-19 started, I was unable to attend because of fear of catching COVID-19. In that regard I called a cancelled my membership. 
XXXX  XXXX XXXX is still withdrawing money from my account till date. ( XXXX XXXX account ) It has been over a years I stop attending and they are still withdrawing funds from my account. I have asked them to stop and made several phone calls. 
They are withdrawing money from ( XXXX XXXX ). XXXX  XXXX is my brother and have written his bank and they have withdrawn over a XXXX dollars and still withdrawing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
My personal information is incorrect with XXXX, XXXX, and XXXX. They all have inaccurate personal information on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24 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:
On XX/XX/2021, I entered into a settlement agreement with Credence to settle an XXXX XXXX XXXX XXXX debt by 50 %. The agreement consisted of 6 monthly payments of {$210.00} to auto draft. After 5 consecutive payments, the 6th was scheduled to draft on XX/XX/2021. After contacting Credence, speaking with XXXX, a manager with them, he advised me that yes we had an agreement and that I have fulfilled the agreement as promise, however he could not take my final payment and XXXX the account as settled in full, due to them not handling my account any longer. This company entered into a written and verbal agreement to settle the debt but then lied to me about settling the debt in full. Upon asking for a refund on the payments they kept, they instructed me to call XXXX XXXX XXXX even though my payments were made to them. After calling XXXX XXXX XXXX, they ensured me that they were not aware of any arrangements made on their behalf by Credence and could not assist me, only if I would pay the debt in full. No settlements would be offered by XXXX XXXX XXXX. Credence took advantage of me by promising an early settlement but could not honor it and kept the payments I had paid them and/or any income paid from other sources, such as XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief