vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I applied for forbearance in XX/XX/XXXX due to the Corona Virus shutdown. 
My lender, Citadel Servicing Corporation has been challenging to work with. 
Every month I have to beg to make my monthly payment, as my over {$50000.00} in past due payments have not been deferred due to a change in servicers within the Citadel Servicing Corporation in XXXX. 
I had been reported late to the credit agencies which I was able to get removed after months of negotiating with Citadel. However, the credit reporting suppression is on a month-to-month basis and every single month I worry that they will deny my request for the coming payment period. 
It is of immense importance that my outstanding credit stays intact as I am tirelessly trying to refinance my loan so I can move on from this horrible situation. 
Moreover, I applied for the California Mortgage Relief Program and have submitted all necessary documents. 
The California Mortgage Relief Program will cover past-due mortgage payments in full through a grant of up to {$80000.00} per household. The money will go directly to a homeowners ' mortgage servicer. It's free to enroll and funds do not need to be repaid. 
My case qualifies for this grant and I have been in constant contact with the California Mortgage Relief Program. 
My lender, Citadel Servicing Corporation has not signed up for the program and I have kindly asked their representative to forward a written message from the California Mortgage Relief Program to upper management in order to consider joining this amazing supportive initiative for struggling homeowners like me. 
Please help me reach Citadels higher management and ask them to join this program that was established to help mortgage holders, and lenders to take care of delinquent payments. 
Thank you very much. 
With best wishes, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
I did not consent to, benefit from nor authorize any of the following accounts : IQ Data- {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: CarMax, Inc.
State: PA

Complaint narrative:
I, XXXX XXXX, a consumer, extended my credit to Carmax Inc on XX/XX/XXXX. Pursuant to 15 USC 1679a ( 2 ), a consumer credit transaction was completed to obtain a XXXX XXXX XXXX for personal use. After receiving my vehicle 's Certificate Of Title, and Delaware Dealer 's Reassignment I took my vehicle and documents to a tag shop which was a Pennsylvania Department Of Transportation affiliate to get my vehicle registered. After registering the vehicle it was noticed that XXXX XXXX USA was labeled a Lien Holder in error. I sent XXXX XXXX USA a Debt Validation letter per the CFPB to Validate any alleged debt. XXXX XXXX XXXX responded per the CFPB stating that there was no debt, but CarMax needed to contact XXXX XXXX USA to rectify the error. CarMax was notified and contacted XXXX XXXX XXXX to release the title to CarMax instead on XXXX XXXX, the consumer who is the rightful owner. CarMax is now labeled a Lien Holder on my Title Number # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: GA

Complaint narrative:
I have sent letters to XXXX, XXXX and TransUnion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were companies showing on my report and these report is misleading and suspicious. They removed some reports from XXXX but they were not able to remove it from XXXX and TransUnion. 
The company showing on my report are XXXX XXXX and XXXX. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.

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 2022-01-14 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( AM HONDA FIN XXXX Opened date : XX/XX/XXXX Balance {$5700.00} ) The late history shouldn't be showing days late ( XX/XX/XXXX ) because I believe I paid on time. Please adjust the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I got loans in XXXX through Sallie Mae XXXX I graduated XXXX in XXXX with a BA degree. Navient acquired the loans in XXXX. In XXXX the loan balance was $ XXXX. I've made payments as best I can for 20+ years. I've paid $ XXXX over the life of these loans and the balance today is STILL $ XXXX. I have tried to negotiate a payoff amount or designate more of my payments to go to the Principal instead of Interest so I could lower the Principal amount ( and therefore interest ). The only thing Navitent is willing to do is multiple forbearances or income based repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I was a victim of fraud via Wells Fargo and XXXX. I filed a complaint with Wells Fargo on XX/XX/XXXX, claim # XXXX and XXXX. I filed a complaint with the Federal Trade Commission on XX/XX/XXXX, # XXXX. I filed an Executive Complaint with Wells Fargo on XX/XX/XXXX case # XXXX and with the CFPB # XXXX. Wells Fargo has taken the position they will not reimburse the funds {$1000.00} from my checking and {$2500.00} from my savings, totaling {$3500.00}. I am at a lost for words because Federal Law requires banks to reimburse consumers for this type of fraud through Regulation E. The Electronic Funds Transmission Act was implemented and amended for my exact scenario. It can also be found in the EFTA FAQ 's Errors and Resolutions item # 5. Why is it that no one is holding Wells Fargo feet to the fire and requiring them to reimburse the {$3500.00} that was stolen from me, by an imposter claiming to be a representative of the Bank. Wells Fargo relies on their loyal customers to generate billions of dollars in revenue for them but does not reciprocate the loyalty when vulnerable customers are preyed upon. I simply want to be reimbursed. I also want them to be held accountable to Federal Law the same as the 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 2022-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group
State: UT

Complaint narrative:
I returned the company 's repeated calls and was told this was a debt that was for a XXXX XXXX XXXX XXXX XXXX XXXX card that went into default while I was very ill with XXXX and unable to perform my full job duties. I asked the representative to uphold the last offer amount from another collector of XXXX and they demanded to know when I could pay. They said they could honor that offer but would have to pay by end of month. I asked for them to send it to me in writing so that I could fit the payment into my budget and also know it was a legit company. I had an issue with paying a company before that ended up not holding the debt. They would not send it then another person got on the line names XXXX XXXX who said he is the General Manager. I asked him to send the settlement offer to me so I could review it and he demanded to know when I would pay. I told him the other gentleman had told me by the XXXX and he said he wouldn't send the information until I gave him a date. I kept repeating " by the XXXX '' He said things like I don't have the money and other things along those lines. I kept telling him I simply wanted it in writing that they had agreed to the settlement and a way to securely pay online. I didn't want to give the my bank info since they were not being up and up by agreeing to give the info in writing, They kept laughing/giggling and being disrespectful. I tried to explain that my husband is like a toddler right now after having a XXXX XXXXXXXX XXXX and I was not sure the exact date I would be able to sit down and pay bills. They claimed at the end of the cal that they emailed the offer to me and I have yet to receive anything. XXXX said things in veiled threats like " you are on a recorded line and said you have the money ''. I never disputed I owed the money. I just wanted to be able to pay securely and have the offer in writing. I am cleaning up a lot of debt and issues that occured when I had covid and medical bills etc as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I graduated from XXXX XXXX University in XXXX, I had a private student loan balance of {$48000.00} with Sallie Mae Corporation. I attempted many times to repay my student loans, however Sallie Mae was unwilling to provide an affordable payment plan. Instead, they pushed forbearance. In the meantime, my loans were charged capitalized interest along with additional fees. In XXXX, My loan balance was an estimated amount of {$89000.00} when Navient finally agreed to place me in an interest rate reduction plan. In XXXX, I refinanced and paid off my private loans with Navient. I recently refinance with XXXX, a subsidiary of Navient unbeknownst to me. My loan number XXXX coincidently is the same account number as my original loan with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Prior to XX/XX/XXXX, I had requested a forbearance extension and was told by my former mortgage company - Dovenmuehle, to have granted the forbearance extension. However, they went and ended my forbearance during the midst of pandemic against my will and forced me to pay back without my acknowledgement and agreement. I had called them multiple times and asked them to correct it in their system which they told me at the time that everything was being taken care of- they never did. 

Eventually, they placed my mortgage account under delinquency and filed a credit report against me with the credit bureau for the two ( 2 ) missed payments of : XX/XX/XXXX and XX/XX/XXXX. They, then, transferred my mortgage to my current lender, XXXX XXXX  Company, early XX/XX/XXXX without correcting their mistake. 

XXXX helped me complete the loan modification and made my account current in XX/XX/XXXX. I have been making monthly mortgage payments to XXXX since XX/XX/XXXX up to the present without any missed or late payments. 

However, Dovenmuehle ( my former mortgage company and no longer with me ) continues to flag and report me with the credit bureau regarding those missing payments back in XXXX. They recently reported me in XX/XX/XXXX. As the direct result of their false credit report and unwillingness to fix their mistake, I am unable to refinance my property which is causing me thousands of dollars on mortgage reduction. 

I am not able to move forwards with refinancing because of Dovenmuehle. Please help me resolve this as I do not know where to turn to for help. 

Thank you very much for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Date : XX/XX/2021 I recently purchased XXXX XXXX, and XXXX failed to protect my information when a variety of back to back charges were made on my Citibank card for products completely out of my consumer habits which Citibank failed to recognize. ( a series of XXXX games, charged at approximately XXXX ) I immediately contacted XXXX in writing. The by phone the next day. XXXX only refunded one of the charge ( currently in dispute with them now ). XXXX also removed the card from my account and changed my password. 

I contacted Citibank Fraud department two days after the multiple charges were made. I have been a longtime customer of Citibank and approximately only once requested a refund on a false charge prior to this one. 

Citibank canceled my current card and sent me a new one and put a temporary refund on the charges. After XXXX disputed with Citibank and insisted that these charges were legitimate due to the fact the charges were made on my card in my name, and then showed usage, Citibank refused to refund more than {$5.00} of the approximately just under {$200.00} charges. Honestly a small amount for a company such as Citibank and a very XXXX  way to treat a customer - treating them as if they are lying to get out of a less than {$200.00} charge. 

Along with the major inconvenience of changing and updating my card on all automatic bill payments ( over less than {$200.00} ), I also provided screenshots of my conversation with XXXX, proving I contacted them immediately. 

Despite all of the above, Citibank still concluded that I was attempting to deceive them to avoid a just under {$200.00} charge. A really XXXX  way to treat a customer.

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 2022-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I have explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: DISCOVER BANK
State: TX

Complaint narrative:
I have had this Discover Credit Card for over 10 years. I had a merchant that I did not recognize charging my card. I contacted Discover to resolve. Their " XXXX XXXX '' suggested that they replace the card. They reassured me that nothing would change to my account. That the limits, closing dates, interest rates ALL would remain the same on a recorded call. Even the design on the card I asked if would remain the same and they said yes! Well, on XX/XX/XXXX I received an alert on my credit reporting that my score had dropped XXXX points! I checked the report and Discover reported my credit bureau in the middle of the cycle! My statement closing date and reporting date has always been the XXXX of the month. This still is reflected on my statements despite the new card number! Not once was I disclosed that the balances were going to be reported at the replacement card time not once! Had the rep explained this to me then I would have had the opportunity to either pay down the card or wait on the fraud report or just eat the {$120.00} the charges added up to rather than ruin my credit! I am in the middle of buying a house!!!! I was promised a call back from a " Fraud Dept '' manager in 2 business days. Today is the 4th business day and no one has contacted me. I called again and after being on hold for more than an hour with a customer service manager trying to reach a Fraud manager I get dumped for the 2nd time with a Tier 1 rep that continues to state that she doesn't know anything about how to correct and " messages '' through their intranet to a manager that says they are too busy to answer my call and too busy to call me back. I can not believe this horrific experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
related to complaint XXXX XXXX, now they have messed up my XXXX XXXX, after XXXX cards being issued, finally got on that worked. XXXX worked XXXX. yesterday and today, it no longer works. When I look online or mobile banking the Debit Card no longer shows up on my account. What are they doing to me. Tried calling specialist that called me, says I am not authorized to call this # XXXX XXXX XXXX ext. XXXX. I can't live without being able to access my funds. How is BOA allowed to get away with this.

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 2022-01-14 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: Texas Guaranteed
State: FL

Complaint narrative:
This account is inaccurately and erroneously reported. I want to request for an investigation of this account. ( TRELLIS COMPANY ***** Opened Date - Balance {$0.00} ) You are reporting inaccurate information on this account. The balance is zero and the account status was already closed. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My minor son was a victim of Identity theft. On XX/XX/2021 my son was trying to login to he online banking and was not successful. I informed my son to contact Wells Fargo Bank to see why he is not getting through and to also make the transfer from his savings to checking account. When my son provided the username, he was told they ca not locate it. Then we was informed that the accounts were overdrawn. We asked how is that possible when we don't really use the account. The last activities that took place was in XXXX. Again, wee was informed that 2 fraudulent checks were deposited to 2 different ATMS on the same day at different locations. The also access his online account and did multiple transfer between the account in the amount of {$400.00} and withdrawals at ATMS. THE DEBIT CARD IS IN MY SON 'S NAME AND I HAD POSSESSION DURING THE TIME FRAME AND STILL WHILE I AM TYPING THIS. I filed a verbal claim and was denied. The few claims I filed was denied. I have proof where me and my son was located during these times. I was also told by an employee in the evaluation department XXXX, on XX/XX/2021, that they were multiple attempts where the pin number failed and inquires of approximately XXXX or more times within two days at ATMS. The fraudulent activities took place at ATMS also online. I am requesting my sons {$680.00} that he had in his account and also to clear his name of those fraudulent check. When I went into a Wells Fargo Branch in XXXX FL ON XXXX XXXX. I was given a copy of 1 of the fraudulent check. This can take 2 years and I will not stop until WELLS FARGO BANK FIX THIS ISSUE EVEN IF LEGAL ACTIONS HAVE TO BE TAKEN. For the MONTH OF XX/XX/2021, ME AND MY SON DID NOT PERFORM ANY TRANSACTIONS OR AUTHORIZED ANYONE 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 explanation