vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A criminal steal my mailbox on XX/XX/XXXX and my new Citibank debit card and its related opening account information are stolen. I initially transferred lots of money in this new account to try to get the Citibank checking account promotion deal. Then the criminal used the account info and the card with PIN letter to activate the debit card, used the debit card PIN to purchase items totally worth {$2800.00}, and withdrawal {$1000.00} from ATM on XX/XX/XXXX. I received a fraud verification msg from Citibank at around noon on XX/XX/XXXX, then I found my debit card and personal info were stolen, I called Citibank to verify the money that the criminal spent on that day, then I submitted all of these invalid transactions into disputes. And I also reported to Citibank to re-sent me another new debit card along with a new PIN, so that the criminal could not keep using my debit card to purchase/withdrawal. However, I found another transaction on the night of XX/XX/XXXX ( at around XXXX ), the criminal has sent the stolen signature card back to Citibank, and applied and gotten a check book of my Citibank account by using my personal info, and he/she even wrote a check from my account to make a payment {$200.00} to somebody. The " XXXX '' name on the check is " XXXX XXXX '' ( or " XXXX '', I am not sure the written letter from the check, either " a '' or " u '' ). I think whether this XXXX is the criminal or at least the criminal knows XXXX and used my check to pay her for something.The total amount that the criminal has steal is more than {$4000.00}, I have requested for disputes about all these illegal transactions sooner after I discovered them. But after several weeks, Citibank closed most of the disputes and denied them. Citibank sent me mails to say they have attempted to contact me but not successfully, and asked me to call back to a Citibank representative to pursue the claims. However, firstly, I have never received any contact from Citibank related to the disputes during the entire period after I submitted the disputes, secondly the person and phone number Citibank provided to me has never worked, I made a call to that representative for more than 10 times and left voice message for each call in a week, but she has never answered the call and has never called back to me. I called Citibank disputes department again and again, but they couldn't solve this problem by either giving me another better way to contact about my disputes, or helped me re-submitted the disputes again.

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 2021-01-23 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: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSOXX/XX/XXXXIS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: TX

Complaint narrative:
They sent me a email saying I owed them money due to embezzlement from a previous company I worked for. This is not only slander but unfounded when I asked for proof they sent me like a screenshot of a transaction on XX/XX/2020 saying it would be their final attempt. I asked for more proof and they said thats all they had to provide me and put it on my credit as well. Obviously this is heinous and wrong as I did not embezzle anything and they did not want to provide proof or work with me. I want it off my credit and I want them to apologize in writing for putting me through this ordeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have been in contact with Citi Bank for several weeks now on a purchase that was made on my Citi Platinum select card in the amount of XXXX USD in the country of XXXX in XXXX of 2020. I have filed for fraud, was called and gave all necessary information. 

I was assured by Citi Bank that this would be reversed in my favor. I received a new card as well. Then, I received a letter in the mail stating that Citi bank had to resolve the case in favor of the merchants because I failed to provide enough information. No one reached out to me from Citi Bank for information. I reached out multiple times during the week every single week that the dispute was open to check on the status, only being told to 'not worry. ' Now, my new card is getting fraudulent charges from the same country. I am drowning in credit card debt because Citi has refused to take my case seriously.

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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Failed to disclose there were 3 modifications on the property and switched modifications on the last modification from a fixed rate to a step modification. See documents

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 2021-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AG AH LLC
State: MN

Complaint narrative:
On XXXX XXXX, I received my ARC by XXXXXX/XX/XXXX, statement informing me they did not receive my XXXX payment. I called their customer service dept on XX/XX/XXXX and was told they would send me a " Missing Payment '' form. I waited 5 days and called again only to be told that they no longer had access to my file and that I should call the new mortgage company, XXXXXX/XX/XXXX I called their customer service and was told I still had a delinquent payment. 
I belong to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN. I authorize my mortgage payment to be paid monthly on the second or third of each month. 
The XXXX payment was withdrawn from my account on XX/XX/XXXX. I attempted to send copies of proof of this payment to XXXX only to be told to talk to XXXX XX/XX/XXXX because they did not have my file.. 
I have records of my many attempts to provide the proof of processing information I have available digitally on the XXXX XXXX XXXX XXXX checking system to XXXX and XXXX. 
I called XXXX XX/XX/XXXXcustomer service ( these calls happened from the XXXX of XXXX through the end of XXXX XXXX - I was asked if the check was cashed which surprised me because no one had asked that before. I immediately called my credit union to be told they would check. I was then told that it had not been cashed. The credit union applied the payment into my account and I requested the payment to be made on XX/XX/XXXX. XXXX received the payment and I am current. 
My husband passed away the middle of XXXX and because he was a XXXX veteran, I applied and was subsequently approved to apply for a low interest loan, I was told on XX/XX/XXXX I was turned down for this loan because I had a delinquent payment. 
I called XXXX on XX/XX/XXXX saying that I had made a good will attempt during the month of XXXX to straighten out this problem that I DID NOT CAUSE only to be told they were legally obliged to process the delinquent payment to the consumer reporting agencies I was aware that there was to be a transfer effective XX/XX/XXXX and had adjusted my payment information accordingly. The XXXX payment went through with no problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In response to TransUnion in regards to claim number XXXX. I am not working with a credit repair company. Attached is the same letter signed with my license, passport, and proof of address which will also be mailed.

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 2021-01-23 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from XX/XX/XXXX and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to 311 ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.

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 2021-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radius global solutions LLC has been trying to collect on this account twice. Once on XX/XX/XXXX and on the recent one which is XX/XX/XXXX. I would like for them to be charged {$1000.00} for continual harassment to me. The name on the account is XXXX XXXX. My name is XXXX XXXX. I would like to make sure they dont try to re-send this to me ever again. I am sending my proof to you. They put it on my credit report and the credit bureaus and moved it each day.

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 2021-01-23 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: MECHANICS BANK
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, MECHANICS BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CBC Companies, Inc.
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, FACTUAL DATA add a hard inquiry on my credit reports. 
On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: DriveTime
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX  XXXX, 2019, DT CREDIT add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Multiple soft inquires for insurance companies, credit agencies, phone companies, & security companies I never made appear on one or more of my credit reports. Multiple incorrect addresses, land line and cell phone numbers belonging to other people and a phone loan I was never notified of, given a contact for or signed for in the amount of several hundred dollars also appear. I requested correct information for all updates and changes and although I now received all these new reports from all 3 bureaus ( 3 from Experian and 2 from XXXX ) I am still seeing the same incorrect telephone numbers ( not mine but still attached to my social security number ). I contacted all the companies repeatedly and they said to contact the credit agencies and the credit agencies told me to contact them. I did BOTH, hundreds of times. I need the cell phone numbers not belonging to me removed because I believe my stalkers has access to them and I have a restraining order. Please help. I've tried everything. I called, wrote letters, requested new reports, complained to XXXX ... BUT this false information STILL remains on all my credit reports. It's not just effecting my credit, it's effecting my health and well being.

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 2021-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TIDEWATER FINANCE COMPANY, INC.
State: IN

Complaint narrative:
The last statement I received from the company was XX/XX/XXXX and it indicated that the loan balance was {$610.00} with a payment due of {$310.00}. I made my XXXX payment on the XXXX. Which would have made my remaining balance due for XXXX {$300.00}. I paid my next payment on XX/XX/XXXX. I never received a statement for the month of XXXX. I called on XX/XX/XXXX to ask when title paperwork would be mailed and was told I owed more money. I asked at the time for a statement to be mailed because I never received one. I was informed one would be sent. I called back on XX/XX/XXXX because I still hadn't received a statement and was told again that I owed more money and that a statement would be mailed. At that time I spoke with a supervisor named XXXX who told me he would look into it and call me back. I called back on XX/XX/XXXX, still no statements, no call back and was told they were still looking into it. I call back on the XXXX, was placed on hold while the customer service person said she talked to XXXX and their was no new information but that I should get a statement for XXXX. I call back on XX/XX/XXXX after still not getting a call back or statement or title and speak to manager named XXXX. She tells me that they are still reviewing my account. That brings me to today XX/XX/XXXX. I received a call from someone named XXXX who said she was a assistant manager and that my statements were turned off on my account and she was going to email me an account history and she didn't know why I didn't receive any statements the last few months or why my account was reported to the credit bureaus as paid in full. I made my last payment XX/XX/XXXX. I want my title paperwork. I reaffirmed on my loan and continued making payments. Now my car should be paid off and they won't give me my title paperwork or prove that I owe more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MN

Complaint narrative:
On XX/XX/XXXX, XXXX payments were processed by XXXX in the amount {$250.00} each. One payment was for the month of XXXX, the other was for the month of XXXX. Because these were both processed in the month of XXXX, FedLoans is alleging that no payment was made in XXXX, and that all payments made in the months that followed were considered delinquent. Ive reached out to representatives at XXXX directly. Their records show the two payments in question counting towards the proper months and theyve confirmed that my account has never been delinquent. FedLoans claims this negates payments I made on-time and in-full, spanning from XX/XX/XXXX until XX/XX/XXXX. 
During this time period, similar situations occurred in XX/XX/XXXX and XX/XX/XXXX, where two payments drafted in the same month were posted in XXXX records for two separate months. My XXXX records show two sets of {$39.00} and {$210.00} payments on XX/XX/XXXX and XX/XX/XXXX that count toward XXXX and XXXX of that year. Records show similar sets of payments on XX/XX/XXXX and XX/XX/XXXX. According to XXXX these counted as my XX/XX/XXXX and XX/XX/XXXX payments. 
For the period spanning XX/XX/XXXX to XX/XX/XXXX, XXXX determined that I did not have to make payments, based on my income-based loan application for that year. The attached XXXX records show {$0.00} payments each month and no delinquency or late fees associated with this time period. 
FedLoans is also alleging that no payments were made during the span from XX/XX/XXXX to XX/XX/XXXX. Ive attached bank statements from all XXXX months showing the withdrawals from my account. For XXXX, XXXX, and XXXX, Ive also attached screenshots of the payments shown within my XXXX online account. In XX/XX/XXXX I began the process of transferring my loan to FedLoans in preparation for student loan forgiveness. My bank statement shows that XXXX withdrew a payment on XX/XX/XXXX in the amount of {$2400.00} despite the fact that my online account does not show it. In my contact with the XXXX representative, they assured me that this payment was indeed transferred to FedLoans and that it would count toward the student loan forgiveness program. 
All of the above was discussed directly with FedLoans in XXXX and XX/XX/XXXX and a request was made that they recalculate my student loan payments. This is still in review. By my estimation I will have made 120 qualifying payments to my student loans in the next couple months and should be eligible for loan forgiveness at that time.

Company response to consumer: Closed with explanation