vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
On XXXX XXXX someone took out a fraudulent loan in my name using my information. {$1000.00} was sent to a bank account at XXXX XXXX, which is not my account. The time has passed and Credit Ninja was trying to collect the amount. They sent it to a credit collection company and it showed up on my credit report last month as a collection. 
The amount to repay is {$2500.00} and that is what is on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This collection agency is report payment status 120 days late on my credit report. This agency is in violation. Secondly the payment history is not reporting consistently nor accurately. The first missed payment shows 120 days late on XX/XX/2020, XX/XX/2020, XX/XX/2020. How is this even possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.

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 2022-01-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Back on XXXX XXXX I sent letters to all three bureaus challenging information on my credit report that did not belong to me. I called each bureau in XXXX. I can remember the exact day and stated that it has been over 30 days and I haven't heard anything about my disputes. Each bureau told me that do to covid that they have 45 to 60 days. Due to the holidays it slipped my mind that had still not heard anything back about my disputes. I seek out legal advise and was told that I should submit a complaint with the CFPB and that if this did not resolved issue. I explained to attorney that the stuff that was on my report was not stuff authorized or belonging to me and that I'm known victim of Identity theft. Everytime it's time for me to renew my permit in the field of work I do I have to jump through loops to prove who I am. I need the items I'm challenging remove asap.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
In XXXX of 2021, my mortgage payment increased by approx XXXX. After reviewing my paper statements I have identified the increase was as a result of my escrow ( taxes & insurance ). However, looking at the past several years my tax and insurance bills have only increased very slightly. I do not understand why my escrow would increase so substantially each month. 

To look into this further, I have been trying for days to access my mortgage account with Citizens XXXX XXXX. Normally I access my account using the app, but they recently XXXX the map because they are merging with the banking app. Because I do not have a Citizens bank account, I am required to enroll again with a new username and password in the new app. When I attempt to do so, none of my credentials are recognized including my SS #, name, etc. I also tried to enroll on the citizens website with the same result. Finally, I have called the citizens helpline ( s ) 5 times and been put on hold for over an hour only to be dropped. I also reached out to my loan officer today. 

As a result, I have no explanation to my escrow increase and no ability to speak to anyone or access my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: OR

Complaint narrative:
Our loan was sold from XXXX, XXXX XXXX XXXX, to Gregory Funding. Immediately Gregory Funding sent us a default notification when in fact we were never in default. We have been trying to get an accurate payout since XX/XX/2021. Gregory funding has failed to accurately respond to our multiple requests. Initially, they wouldn't accept payments per our previously agreed terms with our old lender, nonetheless I have been making payments to them since XX/XX/2021. 

We have noticed there are many complaints online. We have continued to attempt to get an accurate accounting of the loan balance and had our lawyer reach out to them in early XXXX, yet they have delayed responding in a timely fashion and have accrued late charges which should be nonexistent. From the inception of their purchase they have failed to provide a mortgage statement showing the payment due and an accounting for payments received. Nor have they provided one point of contact, they don't pick up their phone and you have to wait for over an hour to get through to anyone. We have no idea what they have done with the payments received. Despite promises, as of today, XX/XX/XXXX, they have still not provided the needed documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
A year ago I had a medical appointment that was covered and paid for by my insurers without any issues. We recently started receiving communications from a company called AWA collections stating this bill is unpaid, and they have maliciously placed a negative mark on my credit report, despite me proactively sharing with them documents showing the insurers paid my bill. I had no communications from the hospital asking for payment prior to this, so I believe this is a fraudulent attempt to collect a non-existent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
XXXX/Cardinal paid the wrong insurance company my escrow. They have not paid my correct insurance company. Now my insurance company is threatening to cancel my policy due to non-payment, even though I had money in escrow to pay my bill. I have since put a SECOND payment into Escrow while I wait to be reimbursed by the company that was paid in error by XXXXl/Cardinal and they are letting my policy be cancelled by not paying the bill. I asked to no longer have my insurance escrowed to prevent this from happening again and they are saying no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/22 my cash app account was locked AFTER I deposited {$300.00}! I am not able to use my cash, speak with a human or use my account. I have contacted the company almost every since then and have not heard back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC.
State: NY

Complaint narrative:
I transfer my monthly mortgage payment manually every month with an extra principle payment on time ( document attached ). XX/XX/XXXX, 3 mortgage payments were automatically transferred along with 3 additional principle payments. Only 1 mortgage and 1 principle payment was authorized by me. The two additional mortgage and principle payments were withdrawn without consent by Axos bank. This large debit pushed my checking account into an overdrawn status. 

Multiple failed attempts to get their customer service on their provided number of XXXX have been unsuccessful. I have been put on hold for> 40 minutes at a time with an automatic disconnection terminating the call. This has been going on since XX/XX/XXXX. The only viable form of communication is through their internal messaging center with questions and solutions not being offered. ( copy of messages attached ). 

I filed a dispute with XXXX which they reimbursed the unauthorized funds to my account. One partial payment was automatically applied of {$2100.00} by Axos into a suspense balance which I have requested a refund for. To date I have not received it. This would bring my next payment due on XX/XX/XXXX. 

Today XX/XX/XXXX I got a past due notice form Axos. XXXX states this is a resolved case and I can not get any one from Axos on he phone to explain, correct, or to answer my internal message. 

I still have not gotten an answer why this happened or how to avoid it from happening again. I now have a past due status on my account that I have paid three months in advance. 

This is time consuming and frustrating. I do not want this to result in delinquency status on my credit. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing the move out fees and the damage the XXXX XXXX ( XXXX XXXX XXXX XXXX ) did to my person and my credit report through the collections agency National Credit Systems and The XXXX XXXX XXXX XXXX XXXX. I started a sublease at University XXXX, XXXXXXXX XXXX in XX/XX/XXXX to XX/XX/XXXX. I decided due to convenience to renew and lease again with University XXXX on XX/XX/XXXX through XX/XX/XXXX. In this period they did renovations and changed old furnitures for new ones. They changed the carpet for two of the rooms in the apartment XXXX but not my room since they said I was in a sublease. They sent me a move out statement and each and every item I was not responsible for ( including carpet replacement, ironic? ). I left the apartment in better conditions that what I received it and I have dozens of pictures from the move in and move out. I can provide proof. I sent multiple emails to the then resident manager XXXX XXXX and XXXX XXXX with no response and resolution ( they just straight ignored me ). I went to the office several times and was never able to speak to them. They did not consider the move-in condition form I submitted and charged me all cleaning, painting, carpet, mattress replacement ( the mattress was in the room ). I left my room in good conditions except for normal wear and tear. Btw, the apartment was infested with roaches when I moved in. 

Recently, I needed the account XXXX to be removed from my credit report. I tried contacting again XXXX XXXX XXXX but the managers were not able to speak to me since they were in a meeting. I had to resolve the matter with XXXX XXXX. Provided are the emails and pictures as proof. 

You have a pdf with all my proof. Okay, I have provided all the proof requested from you. Now I request proof that I owe this. Because you pretend to charge me for this. Please provide all the pictures ( not my pictures ) of the move-out that you are attributing me this charge. Please provide me the inspection that was completed at my move-out since I never saw that report. There is an inspection done per the statement you provided in XXXX XXXX, XXXX ( two years after I moved out ).

I have a clean credit and you pretend to mess this up. This is not how you do it. 

I request reimbursement or refund for the {$720.00} I had to pay due to every management ignoring my requests, apologies from the company and complete deletion of the account from the three credit reporting agencies and from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2021 I cashed in XXXX points for 2 tickets to XXXX XXXX @ XXXX XXXX. This game was on XX/XX/2021. I never received these tickets. I booked airline tickets for 2 and a hotel which I ended up canceling after numerus phone calls and messages. I did at one point receive a voice mail stating the tickets were emailed to me. This was not true! I did not receive confirmation of such email. Barclays bank owns me those points back.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.

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 2022-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
While going online to pay my XXXX bill with Bank of America on XX/XX/XXXX I noticed a group of 5 charges on my account all 5 with a transaction date of XX/XX/XXXX and a posting date of XX/XX/XXXX. Each transaction was for slightly under {$150.00} ( {$140.00}, {$140.00}, {$140.00}, {$140.00} and {$140.00} ). The transactions were all from XXXX with the city of XXXX XXXX, CA. listed. I contacted BOA regarding the charges and they immediately cancelled that credit card and put a fraud alert on the charges on XX/XX/XXXX and started an investigation. I got a letter from BOA dated XX/XX/XXXX stating my claim was denied because they said " The merchant provided documentation confirming you received the merchandise or service. '' No other information was provided to me in that explanation letter. I called BOA again to get more information letting them know I have been with that credit card company for 26 years and that I had never ordered anything from XXXX and have never received any merchandise or services from XXXX. I wasn't even told what the merchandise or services were that I was supposed to have received. And I told them I would like to receive some type of proof that I actually received the merchandise or services to my address which is on the XXXX XXXX. They reopened my claim on XX/XX/XXXX but I wanted to also file my report with you. If someone was able to get hold of my name, credit card number and address I need to know where those goods or services were delivered and shown proof that any delivery service actually delivered those goods to my address.

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 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited 2 {$1000.00} XXXX money orders via the BOA mobile App into my checking account ending in XXXX. On XX/XX/XXXX my account was debited for both of the checks by BOA claiming that the checks were duplicates. Today I made a 3way call with XXXX # XXXX of BOA and XXXX XXXX of XXXX. XXXX advised that the 2 money orders were Honored and paid on XX/XX/XXXX. BOA claims that the funds were returned but XXXX has not received the funds and BOA refuses to provide any proof that the funds were returned to XXXX so that XXXX can then send me replacement checks to deposit. BOA also claims that the funds were debited because the money orders are not able to be deposited via the mobile app but this is not true. I have attached copies of letters from BOA clearly showing that their response is not true. The reason for the debit as indicated in BOA letters is Duplicate Presentment yet they claim they have no record of the letters. Both XXXX and I believe that BOA has the funds and they refuse to credit my account or provide proof otherwise. Tried to speak with Supervisor but unable to do so.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: OH

Complaint narrative:
I bought a prepaid XXXX card for my grand daughter as a XXXX present. We had a hard time with activation. I called the company and they gave me a hard time also. They wanted my grand daughter 's information and I ask her to put in in my XXXX account and they refused. I bought the card and she just wanted to spend it like any other prepaid card. My grand daughter is only XXXX years old and I feel that they don't need her information. I would have gladly put it in my name and gave her the money another way. I bought this card at family dollar and they did not say you can not return it until I read the receipt instead of telling you when you buy it before you paid for it. Either way my {$50.00} is on this prepaid card and we are unable to spend it. Times are hard, she need things and unable to get her anything because we can not use the prepaid card. All I want is my money back in check form or another prepaid card that is not connected to 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