vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
1. I contacted XXXX about a debt settlement for my Citibank debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to dispute these accounts in the past with experian with no success, they can not prove these accounts belong to me, or prove I am the person who opened these accounts, or provide any proof of ownership of these accounts. They do not belong to me, they belong to someone with a similiar name. Also they have to many names listed on my credit report, my legal name is XXXX XXXX, they have XXXX XXXX and they also have XXXX XXXX XXXX, there is 2 other XXXX XXXX XXXX in the state of NJ, I only go by XXXX XXXX, I had my driver license changed to reflect the changes. Below are the accounts I have disputed since XXXX of 2020, these accounts arent mine. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX  XXXX XXXX XXXX  Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name Account Name : XXXX Account Number : XXXX Reason : Account is fraudulent or belongs to someone with similar name there is also a collection that is on my credit report, the collection agency has never verified their legal right to this debt that they are trying to collect, also they have never verified the debt they are collecting on belongs to me, nor have I ever been sent proof, experian never provided evidence of their investigations or how they obtained this information. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my 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 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I HAVE RECENTLY PLACED A FREEZE ON MY CREDIT PROFILE DO TO SOMEONE ACCESSING MY PERSONAL INFORMATION WITHOUT MY PERMISSION. I WOULD LIKE TO REQUEST A SECURITY PIN ON MY FILE ASAP!! PLEASE UPDATE INCORRECT DOB XXXX AND SS XXXX. My correct name and spelling are XXXX XXXX XXXX. Please remove any variations of my name they are not correct XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed my account for no specified reason, just saying for my protection for 180 days it had been way over that period of time. They sent me an email saying my balance is available for withdrawal now but its is not allowing me and they are not providing any help. I don't know if this is some mistake with their system. It has been months now I have been living without my benefits but I was just told I can make a report on her by a friend if I feel like they are not properly doing their job. This has affected me too much as I use this as my deposit for my corona benefits. 

My account is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CREDIT ACCEPTANCE CORPORATION
State: AZ

Complaint narrative:
I have an existing auto loan Through CREDIT ACCEPTANCE LLC. They stopped reporting my payments XXXX of 2020. I have disputed this thru all credit agencies only to have credit acceptance verify info as correct and nothing changes. It has damaged my credit because they are showing as missing payments. I have talked to credit acceptance and they point the finger at credit agencies. I have talked to all credit agencies and they point the finger at credit acceptance. I need this fixed.

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 2021-04-15 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: IL

Complaint narrative:
TransUnion credit report frozen XX/XX/2021 at XXXX XXXX  CST. An unauthorized inquiry was placed on my TransUnion credit report XX/XX/2021 at XXXX XXXX CST. The inquiry is unauthorized and TransUnions error let the inquiry be placed, while my report was supposedly frozen. After speaking to multiple supervisors regarding this issue, the state they are unable to see the time that the inquiry was made and accuse the inquiry of being made prior to the freeze being placed, which is untrue. TransUnion claims to not have factual data or time stamps of when an inquiry is placed, therefore they assume the inquiry was placed prior to the freeze being placed, which is also untrue. After explaining the situation multiple times that the fault lies in their system, in that they should have blocked the request for my credit, since the freeze was already in place when XXXX checked my credit. They refuse to remove the inquiry and no resolution was made.

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 2021-04-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Also, they should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account also reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: WA

Complaint narrative:
In XXXX my Experian FICO 8 score was a XXXX I used their product " score simulator '' and it told me if I paid down my debt by XXXX dollars my score would go up to 700. I paid my debt down over XXXX dollars and my score is still a XXXX. I attempted to talk to them on the phone and the lady said she was not qualified to answer why that is the case.

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 2021-04-15 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: Student Aid Experts
State: CA

Complaint narrative:
My name is XXXX XXXX and I am XXXX. I took out a student loan to attend XXXX XXXX. I had to stop going to the university because of my XXXX and when I tried to make payment arrangements to repay my student loans, they attached my social security payment and then I have paid about {$2000.00} due to the garnishment. Then I tried to have it forgiven by the department of education and I called the social security office and was told that I couldnt get the form required because they ( social security office ) was closed due to the pandemic and then due to the pandemic, my garnishment was suspended and now under the cares act ordered by president Biden, my student loans have been forgiven but they are still listed as delinquent and unpaid on my credit report! Can you please help me??

Company response to consumer: Untimely response
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
After I was laid off for 2 1/2 years in XXXX, after my husband had emergency XXXX XXXX XXXX  XXXX, which he is XXXX now, and has had 3 XXXX  XXXX  and 1 XXXX  XXXX  since then. My XXXXrd Loan Modification was approved in XXXX by Seterus. There was a balance of {$32000.00}, when I was laid off, but they approved my Loan Modification. Then Seterus filed bankrupt, and sold my mortgage to Mr. Cooper Mortgage Company. Mr. Cooper Mortgage Company claim that because I have had 3 Loan Modifications in my life-time, due to loss of job beyond my control, they can not approve my loan, so instead of them continuing or carrying over my Loan Modification or approve, they however, carried over the balance from Seterus. Mr. Cooper sent me an email that I could apply for the forebearance in XX/XX/XXXX, when Mr. Cooper took over my account, along with 300,000 other homeowners. Now, I'm facing foreclosure in XX/XX/XXXX, when the forebearance ends, if I don't pay that {$32000.00}, but I have already paid them {$10000.00}, since XX/XX/XXXX to present. I'm trying to make a month 's payment now, but is unable to click on the payment button, for it to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are several Public Records Accounts reporting on my credit file that does not belong to me. I have disputed this inaccurate information for months. The credit agencies stated that they received their information from the courts. So I contacted the courts to verify this and the courts stated that they do not provide the credit agencies with any information. Please see the attached letter from the courts. The Bankruptcy Dismissal Information for 2 Public Records does not belong to me.

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 2021-04-16 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: IN

Complaint narrative:
Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between Experian and XXXX. Delete immediately.

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 2021-04-15 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: CT

Complaint narrative:
I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to TD BANK TARGET asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that TD BANK TARGET to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/2021 I attempted to purchase a pair of pants from a store while on vacation. The pants were never sent to me, thus I contacted my bank Citibank given that it was purchase via my debit card. 

Citibank first placed the funds back into my account, but sent me a letter requesting more information which I sent BOTH via fax and via USPS mail. They reverted the charges claiming that they did not obtain the letter, which they did obtain given that they responded to me via mail. 

Thus, I have been over {$250.00} for a materials that I have not received and they are not wanting to help me resolve the issue. As a bank they have failed to protect my money, and their customer service has failed their customer. 

I want this resolved as soon as possible! 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I would like to try transfer in domestic account ... 
but shows " Invalid account status '' which is active & current thus transfer is not available

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC
State: WI

Complaint narrative:
Hello, I am a 100 % service connected XXXX veteran. I find myself in a predatory loan with Prestige Financial, regarding a vehicle I've only had approximately 6 months. ( XX/XX/2020 ) In desperate need to get a car to be able to make it to my VA appointments, I thought I found a good deal on a XXXX XXXX XXXX listed at {$19000.00}. I was led to believe I was financing with a great company at a great price. However, at 23.3 % interest I am already under water at just 6 months in. At the end of the loan, I'd have paid more than double the original amount financed. Furthermore, at a recent oil change with less than XXXX miles on the vehicle I find that it is a lemon with issues such as a hole in oil pan. 
I've asked Prestige to lower the interest rate to a reasonable Usury Rate or to let me out of the contract. They have refused to do either. I have filed a previous CFPD complaint with no resolution. I have been advised that I now have grounds to sue under the American XXXX Act and the Laws Against Predatory Lending. 

Per simple XXXX reviews and XXXX  complaints, this company is well known for it's Predatory Lending Practices. My situation is similar to many others who have had Prestige as their lender. 

XXXX is a similar predatory lending company who just lost a huge lawsuit due to the same practices that Prestige has. This does not seem to bother Prestige as they seem to have zero  interest in doing the right thing. 

This is my second CFPD complaint regarding Prestige. I have also filed a XXXX  complaint, a complaint with the Attorney General and will be looking into options to sue Prestige if this matter can not be resolved. Companies should not be allowed to prey on people with their predatory lending and there are Federal Laws against this. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is the second complaint that I write today. I recently filed a complaint about XXXX XXXX XXXX They closed my account without investigating the crime that I reported to them. 
When I opened an account in another bank, the criminals who already knew my information, returned to do theirs. This time, they sophisticated their behavior. They made me a job offer through XXXX and then ended up contacting me through a supposed XXXX  account. Everything seemed correct. 
As you will see from the documents I provide, they impersonated an existing identity to send me emails. This time I did several checks on the person 's existence and everything. And it turns out that everything was false, as you will see in the achievement of emails that I contribute. This had serious consequences for me. They sent me a fake check that the new bank, Fifth Third Bank, accepted. Consequently, that account was also closed for me. My credit history continues to be severely affected as a result of these events. 

It is important that entities better train their employees on fraud. They can not treat clients as accomplices in a crime of which they have been victims. They must check the documents well, in this case, check the checks well, analyze them. I went personally, delivered it, and saw how the employee received it without taking any action. The check looked authentic. The entity accepted it, but as soon as they realized it was false, they closed my account. 

Here I provide the email history of the alleged person who hired me and sent the check. It arrived one day in the morning before XXXX, in the morning, before starting my work, I received it through XXXX. They know that at that time people are running from home to work and that is how it was in my case, I handed over the check. I looked at it and saw that it said my name and the amount. 

But the most important thing is that this person knew that I was going to receive that same day in my account at that bank my reimbursement of the University of more than 7 thousand dollars. In other words, I was counting on the check to go into an account in which there was money. He means, he knew exactly how much money I get for my XXXX  studies and when. In other words, there is a gap in the system that worries me, since they are federal funds. 

What I demand is that they review my credit history, my rating, and constant that this fact affected him a lot, and that is there until 2025. I have studied hard, I want to be a XXXX  XXXX, I have to repay my university loan. My credit history should not continue to be so tainted by situations beyond my control. Banks must take an active role in the matter, create guarantee mechanisms. It is very unfair too. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: HABITAT FOR HUMANITY INTERNATIONAL, INC.
State: AR

Complaint narrative:
I have ask for forbearance they said ok then said the company wont give me a forbearance they wont help me at all Im going to loose my home if I dont pay the whole amount due

Company response to consumer: Closed with explanation