vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.

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 2019-10-19 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I was looking over my credit and I seen a address that I never lived at in XXXX OH. XXXX XXXX XXXX XXXX, OH XXXX. Someone was apply for accounts in my name for cellphones an credit cards at that address. There are several accounts from XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX that I do not recognize. I have filed a complaint with the FTC and the CFPB to protect my identity. I live in XXXX West Virgina. I never live in XXXX OHIO. I am trying to refinance my home and I need these accounts removed they are fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received an offer from Bank of America called accessing your credit is as easy as 1-2-3. It allowed me to use my credit card line of credit to obtain cash to pay off other credit cards. I used one of the checks included and deposited it in my Bank. I used the money to pay off my higher credit cards. On the Band of America credit card statements, I noticed that I am being charged a 21 % rate instead of the promised .99 % rate so I called the company to resolve the issue but I was told that the checks can only be used for balance transfer and they need to be directly used to pay off the credit cards. I looked at the BoA offer and it clearly stated that I can use it for anything I want in step 1 of the 1-2-3 easy-access advertisement. I used similar offers from other Banks in the past and I always deposited the funds in my Bank, as a customer I feel BoA is scamming its customers. I have lost over {$1100.00} dollars.

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 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
"XXXX XXXX"  BRANCH MANAGER IS REFUSING ME ACCESS TO MY CLOSED ACCOUNT WITHIN 7 YEARS. IT'S BEEN 3 MONTHS REQUESTING FROM HIS BRANCH.

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I tried to sign up for a loan from XXXX and they kept denying my application. They said the credit report was an issue. They check with XXXX. I called XXXX to get my free annual credit report. They said they could not verify my identity and were unable to locate my credit file. They asked I fax my SSN card and drivers license to them with a cover page explaining this issue. I sent them the fax and waited about 10 business days. I received a mail saying that they still havent been able to locate my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XX/XX/2019, my husband XXXX and I were required to close our previous checking account number ending in XXXX due to compromised identity of our checking account. We established a new account with the same bank, and as an extra security setting, we removed auto pay for all of our utilities and mortgage payments. In turn, a payment of XXXX was denied on XX/XX/2019 to Carrington as the revocation letter of the ACH didn't have time to arrive before the payment was processed. In turn, 2 checks in the amount of {$500.00} were mailed and cleared on XX/XX/XXXX and XXXX to cover the mortgage payment. These checks were sent by BillPay through our banking for security reasons. However, on XX/XX/2019, an ACH of XXXX was withdrawn from our NEW checking account without any approval. When verifying the checking account Carrington had on file, it shows as XXXX ( old closed account ). 

On XX/XX/2019 a dispute was filed with our bank of unauthorized ACH and began the process of getting the payment of XXXX refunded as this resulted in over draft fees. In turn, the bank also showed where Carrington directly requested funds from our new account, and not the old XXXX. At no time nor place, did we authorize Carrington to use our new checking account for any ACH withdrawals. They took the account number from the bottom of the checks mailed to them with our payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: FL

Complaint narrative:
I am disputing recent fraudulent inquires that was not authorized by me and due to this. I received several security alerts and have observed this on my credit report. Due to prior fraud, being a victim of fraud from data breaches with XXXX in XXXX and also in XXXX. My personal information/ banking information, social security, address, name and employer information was exposed all over the dark web and also with the latest data breach with XXXX XXXX. I am requesting for the following unauthorized inquiries below, to be DELETED from my credit file by Experian. Which were all done back to back to gain access and credit was not extended due to fraud. 1. XXXX XXXX ( XXXX ) XX/XX/XXXX, 2 ) XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XXXX XX/XX/XXXX. Also XXXX XXXX was deleted by XXXX and XXXX due to fraudulent activity proven to both credit bureaus. I am requesting also for the account mentioned above to be deleted above for the same reason. As I have no knowledge and not responsible for this account.

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
We started with XXXX XXXX, then XXXX XXXX and now Selene Finance. 

We have submitted so many documents to XXXX XXXX, We submitted so many packages to Loan Care and thought we were in the final stages of getting a loan modification with a sizable down payment and then we were notified that the loan has been transferred to Selene Finance. 

Selene Finance does not want to hear anything about what was sent to XXXX XXXX  before they took over my account. 

I have also received a Summons & Complaint to foreclose on my home. 

We submitted documents to XXXX XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX We received a confirmation from XXXX XXXX Customer support acknowledgment from XXXX XXXX with Ticket # : XXXX Then more requests on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Missing documents and request for a new RMA. 

We have started over so many times with XXXX and now Selene claim they do not see my application from XXXX XXXX and I received a Summons and Complaint Please help!

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 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have always paid on time on my mortgage but it shows as 60 days late payments which is not true.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: NJ

Complaint narrative:
Experian is another problem with my credit reporting they have not boosted my score in 6 months on my XXXX bill and also internet with XXXX? I have thru my debit card or bank account XXXX XXXX. XX/XX/2019 was the last time they reported my boost Experian boost? Also they are and the other bureaus are reporting a late charge but not telling me were it is coming from. I just reopened my account with Experian XX/XX/2019

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 2019-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc
State: WI

Complaint narrative:
I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given a Bank of America card through unemployment and my money was stolen from it. I called the police and filed a report and called the bank the next morning. They supposedly filed a report but kept giving me the run around. I eventually gave up. Years later I want my money back but I don't have the original claim number. I have the police report and my social and everything else but they say a claim wasn't filed when I spoke to number out people about getting my money back. XXXX XXXX the operations analyst is the last person I spoke to. He says he can't help me without that initial claim number and my case will close in a couple days. Please help. I thought banks were federally insured. Thank you.

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 2019-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I disputed the account in the amount of {$1000.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that. Now they say it has been sold but the original creditor is still having this charged off account reporting and not the new creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was approved for a car loan for a XXXX XXXX XXXX in XX/XX/2015 from a financial service named WestLake Financial Services, the address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have already paid over {$29000.00} and still owe over {$17000.00}. I have ask the company to renegotiate the contract but they refused. I know that they are illegally over charging me on my car loan because if I pay off this car loan I would have paid {$46000.00} for a used XXXX XXXX XXXX. Can You Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: WI

Complaint narrative:
I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I traded in a car in XXXX that I had for a few years and came across a vehicle that I liked. I thought I was going to get a new job and would be getting better pay, but for the past few months I have been struggling to pay my car note.. I understand I had negative equity which made my loan high. My car that I am financing now isn't worth the loan.. I tried to lower my payments with the company but they told me to come in and I can put more money down. It is frustrating because for that I can just make a down payment on my loan. The company does not understand I can't refinance this loan because every company says my car isn't worth the value and the amount ... At the end of the day I feel like I was pressured.. I sent an email in XXXX within the second week to the owner about returning the car but someone emailed me to come in with more money and they can revalue my car which is a waste of time..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANCO POPULAR DE PUERTO RICO
State: NJ

Complaint narrative:
I disputed the account in the amount of {$580.00} that I do not owe and I have not received a copy of a bill. Not a contract with my signature, social security or identification attached. Now on my credit report they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act. Now they are saying it verified but sent me no proof of that.

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 2019-10-19 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: TX

Complaint narrative:
XXXX I requested in writing about the fraudulent inquiries that are appearing on my XXXX   report as several duplicates and I requested for them to be removed and or verified. Equifax and XXXX  have accounts that I have to them they are related to my Social number I demand they are removed it been over the allotment time and Equifax has 145 inquiries that was put on my report from who knows were please help me get this information corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: MoneyLion Inc.
State: NY

Complaint narrative:
I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with money lion was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: WA

Complaint narrative:
On my sallie mae account it only goes as far as XX/XX/XXXX. When i first started my payments were under 180 dollars. On XX/XX/XXXX my loan states i am now paying XXXX. I had a late charge or XXXX because i did not have the money in my account. On XX/XX/XXXX it was XXXX on XX/XX/XXXX my interest went up XXXX. On XX/XX/XXXX my bill became XXXX. On XX/XX/XXXX i had gone through a major hurricane. I had late payments from being out of a job during the hurricane, when i called multiple times i kept getting the ring around. I would call about their hurricane assistance they posted on their site. I would be told they need to check if it was available for me call back in a week. I would wait 2 weeks. I called 4 times and on the 4th time i was told about a forbearance that would bring my late charges down to XXXX, i had to set my bill on autopay for until XX/XX/XXXX if i missed an auto pay date my over 800 dollar bill would restart and i would owe that 800 somthing dollar bill again. Any time i could not make my bill because it was so high and had late charges i would call and they each time gave me a ring around my problems were never solved. XX/XX/XXXX i had accured interest or XXXX. On XX/XX/XXXX on my document it says amount XXXX, interest ( XXXX ), principle ( XXXX ) each month the interest fluctuates either going up or down. Multiple times this company has not omce helped me out especially after hurricane Micheal that caused me to lose my home and everything. I had no job for months. Currently as of XX/XX/XXXX i owed XXXX, interest ( XXXX ) principle ( XXXX ). XX/XX/XXXX i accured an interest or XXXX. I do not understand why im being charged so much when i can barely make the payments somtimes, and their customer care is no help AT ALL.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Data Systems
State: NC

Complaint narrative:
I have made contact with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX concerning this debt. I have repeatedly informed them that they were filing the insurance claim with XXXX incorrectly and they refuse to file it correctly. I have made contact with XXXX and was informed that they have not filed the claim correctly and that is the reason why they have not paid the claim. XXXX XXXX XXXX XXXX refuse to file the claim according to XXXX rules and guidelines.

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 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have a {$23000.00} Credit Card from the Navy Federal Credit Union. I am trying to pay off my credit card balance but every time I pay down on my credit card and pay more than the minimum payment without using it for months my monthly payments increases. I have spoken to bank agent but I could not understand what he was saying about how the credit card fees is applied. All I do know is when someone is paying down there credit card debt and paying more than the minimum payments each month without using the credit card the monthly payments gets lower each month. In my case my monthly payments gets higher each month. Even if I don't use it and pay down my debt. I believe that there is something wrong with situation. Can You Help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation