vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Some time in XXXX-XXXX, Citibank opened a checking plus account without my authorization. The only authorized accounts I have with Citibank are checking and savings. In XX/XX/XXXX, I inadvertently wrote a check for an amount that was larger than my checking account balance. The check wasn't honored by the financial institution where the recipient of the check attempted to deposit it. I then immediately transferred an amount sufficient to cover the value of the check from my savings account to my checking account and wrote a new check. The new check was honored. Unbeknownst to me, Citibank activated the checking plus account, gave me a loan I didn't ask for and deducted interest payments form my checking account, all while having dishonored the original check. Upon learning of this in XX/XX/XXXX, I immediately paid off the " loan '' by transferring money from my savings account to the checking plus account and asked that Citibank refund the interest it has been charging. I also asked for a copy of the account opening agreement for the checking plus account. Citibank, citing the " research '' it conducted, refused to refund me my money. Citibank also failed to produce the account opening agreement, with no explanation.

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 2020-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: North State Acceptance, LLC
State: SC

Complaint narrative:
Opened XX/XX/2019 in the amount of XXXX I disputed with the company, this account wasnt open by me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I have Nelnet loans and I applied for recertification. I was on Income-Driven Repayment and my specified payment was until XX/XX/XXXX. Prior to recertifying I explicitly asked if I changed the repayment plan would my current plan still carry out in full and then the next plan would take effect in the following month. I was ensured it would not interfere with my current plan. I reapplied on XX/XX/XXXX well ahead of the recertification due date of XXXX. When the new repayment option the due date moved up to XX/XX/XXXX. When I spoke to Nelnet they told me that the IDR I was on was terminated and immediately they put me on the new plan. Being that those payments would be higher I asked if they can void the new status and restore my former due date and they said they can't. Being that my income increase, they explain even if they gave me IDR it would reapply it from the current date and my payments would be higher than my prior IDR and the plan I chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE FINANCIAL SERVICES
State: TX

Complaint narrative:
Our home caught on fire on XX/XX/XXXX. I found Mortgage Financial Services online through a government website for lenders that help people in Texas get loans if they meet certain eligibility requirements. They connected us with XXXX XXXX at Mortgage Financial Services in XXXX, TX. 

We started working with her on XX/XX/XXXX. On XX/XX/XXXX she advised my husband she would also have to run my credit. We worked with her sending her multiple e-mails and income verification documents. She said that we were approved for the loan so we started looking at houses. She also said the payments would be 820-840/month with taxes and insurance, great! 

We signed a contract on a new house, but the seller would not accept the offer without a prequel letter from the lender. So XXXX created a letter for us to say that we were approved. The seller then accepted our offer. We then proceeded to pay XXXX in escrow, the XXXX dollar option fee and then we paid {$420.00} for a home inspection. Great, excited, we're buying a house! 

XXXX then e-mails us on XX/XX/XXXX and says never mind she was wrong and we can't do it. After we had already spent over {$500.00} dollars on an inspection and the other fees associated with purchasing the home. The reason because she JUST ran my credit, that she was supposed to run on XX/XX/XXXX and also because she didn't know the extra XXXX income was my income and not my husbands. The only thing on my credit affecting this decisions was the student loans, which I have been paying on. You can tell that I have not had a late payment on anything in over two years. 

I sent her all of the documents she needed before we even signed the contract on the house and this is information that she should have verified BEFORE we spent all this money trying to get a home. With our house catching on fire on XX/XX/XXXX, that was ALL the money we had to spend trying to get a home. 

The lender did not do the work on her end to make sure that we could get a home before we invested time, money and resources into purchasing a new home. We have the money and we can either pay someone rent or we can pay the lender. Given the lenders error, I feel like they should have to follow through with the deal. This is their error and it is their fault that we made the deal in the first place because they made false promises without doing their job correctly.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
Leopold & Associates, PLLC was listed as the Attorney of Record in a foreclosure case in Supreme Court, XXXX County, NY, Index XXXX. ( They subsequently dropped the case ). Plaintiff in the case is XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX, in response to several different issues defendant and Pro Se Attorney XXXX XXXX submitted to the CFPB, replied that they are not the company of interest in this matter. Their then Loan Servicer, XXXX, sent a letter to the CFPB in response to a complaint about this matter, and they said that XXXX never owned defendants account ( debt or mortgage and Note ). If XXXX and XXXX both said that XXXX never owned the account, but is listed as plaintiff in court, and Leopold & Associates was listed as Attorney of Record, WHO HIRED LEOPOLD? That is the question I am asking. Someone is lying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Statement provided by Mr Cooper on XX/XX/2020 show amount due of XXXX, by XX/XX/2020. 

After logging into account on Mr Cooper website on XX/XX/2020 it shows amount due XXXX by XX/XX/2020, without any breakdown or justification for increase. 

I called Mr Cooper on XX/XX/2020 to get clarification and explanation for increased amount due. I was told that I had " received bad information '' on the statement. However, they could not provide any evidence to support the increase, and continued to try to push me to agree to have my escrow balance recalculated that day. I repeatedly declined, and continued to request justification for the increase. They were unable to provide any evidence for the increase, and are simply forwarding on to another department, which will not review the concern until after the payment is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have a business account that was closed due to a charge from Well Fargo Collection for a transaction that never happened. My merchant account with Wells Fargo was closed and the transaction was reversed. Then a month after I received the letter that the merchant account was closed and the transaction was reversed they then sent the same account to collection. I have spoken with merchant services, the collection department and made multiple calls to the securities department without a return call. As of today, I have an  account in collections that shouldn't be there and no one wants or seems able to correct this problem.

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 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: NY

Complaint narrative:
In XXXX I was put into a loan modification program which I completed. I made my 3 trial payments on time starting XX/XX/XXXX and completed it XX/XX/XXXX. Was notified I will be given a letter of my monthly payment, but was told it over the phone. Since that time I have been making my monthly payment with no problem and haven't missed a payment. They turned my file over to there law firm anyway and in XX/XX/XXXX sent me a letter stating that my loan modification was denied and they wouldn't speak to me. I contact the law firm that was associated with the bank and they refuse to speak with me which resulted in me paying more money to hire an attorney. The attorney stated as long as they are taking your money out the bank don't worry about it. 
This is predatory lending because they are keeping me in limbo messing up my credit, my bank account and loan. Now since I said this needs to be resolved and if not I will file a complaint they stop accepting my checks and is trying to take my house. 
They have financially cause me a lot of problem and I need this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I made my payment but the amount is showing as past due. I have sent at least 5 emails over the last 2 weeks and have not received a single response. The payment does show that it was paid but the past due amount also still shows. I have received 2 notices that my account is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please see remarks on my closed Bank of Americs credit account. I agreed to pay balance in full in exchange for negative remarks to be removed from my credit file and so the account would show as paid in full. I filed a dispute so Bank of America could update my credit file and they did not. I called customer service directly to have the credit report updated and they said it would be updated to paid in full and it hasn't been updated. Instead my account is showing paid less than full balance, which is inaccurate.

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 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There is a huge variation in the credit scores of the three companies ( XXXX, XXXX   and Transunion ) XXXX and XXXX have a 1 point variation in my scores between the two of them and Transunion has a 50 point variation between the lowest of the two scores. I do not believe that they have correct information for my reports and they should investigate and advise why there is such a huge variance between them and the other two reporting agencies.

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 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made a transfer to pay my credit card balance on the XX/XX/XXXX for {$1500.00}. 

Then on the XX/XX/XXXX, in error I made another payment to the credit card for {$1400.00}, which put my card in credit due to the over payment. 

I called the Bank of America on the XX/XX/XXXX and explained the issue, they advised due to the payment hasnt been processed I need to call back the following day. I called BOA on the XX/XX/XXXX and the man I spoke to advised that I would have the {$1400.00} transferred into my account within the next 2-4 days. I called BOA on the XX/XX/XXXX and spoke to XXXX, she advised me that the previous adviser had made an error in the processing the refund and selected an incorrect reason for the refund. This means my refund would now take 60 days due to his error. I disputed this and advised that I should not be penalized for a BOA error. She advised that she would look to resolve and get me refunded in the next 4-6 days. I spoke to XXXX again on the XX/XX/XXXX and she advised that she is unable to correct the previous member of staff error and that the issue is going to be delayed further and I will have to wait 60 days from today 's date. BOA are very unhelpful and not willing to resolve an error they have created. I should not be made to wait such a long period of time for money they owe 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 monetary relief
Consumer complaint received 2020-01-29 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: NY

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-01-29 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: NY

Complaint narrative:
These are not my accounts. Please remove them.

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 2020-01-29 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: NY

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
One for {$150.00} sent to XXXX and {$150.00} sent on XXXX   I was scammed into buying dogs online and the person wont refund my money and paypal refuses to dispute it because it was sent as friends and family. They have sent me fake emails from fake companies and called me from fake numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: NY

Complaint narrative:
After submitting a dispute challenge letter to ( TransUnion ) in  reference to ( XXXX XXXX XXXX  ) and company it was transferred or sold to ( XXXX XXXX XXXX ) in XXXX of 2019. I believe that TransUnion has not investigated this account has they say that did. 

Reason : Both ( XXXX XXXX XXXX ) & ( XXXX XXXX XXXX ) still  appears on my TransUnion credit report as updated & verified. 

TransUnion is in violation for reporting a collection account. ( Of which currently reports an inaccurate date of last activity ) a violation of FCRA. TransUnion does not report last date of payment on a collection account. A violation of FCRA. 

TransUnion currently reports inaccurate high balance & or credit limit. A violation of FCRA

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 2020-01-29 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CIG FINANCIAL LLC

Complaint narrative:
XX/XX/XXXX I was notified by CIG Financial that they were going to sue me in 90 days if I did not contact them and work out a repayment plan to resolve a vehicle loan that went into Repo Status XX/XX/XXXX. 
I responded and XX/XX/XXXX worked out a repayment plan with XXXX XXXX for XXXX per month and ultimately pay off the remainder amount with the agreement CIG Financial would revise my account to the Credit Reporting Agencies that the account was paid in full on time and remove the charge off/ repo status. 
I have made every payment for an entire year and have called several times to discuss the pay off amount. I have this agreement in writing from CIG Financial. 
My last conversation with GIG was XX/XX/XXXX in regards to setting up the settlement pay off and dates. I thought all was moving in a positive direction. 
Im in the process of applying for a mortgage and it was noted on my XXXX   report that I have a 60 day late payment on my CIG Financial account XX/XX/XXXX and several negative payments noted for XXXX, XXXX, & XX/XX/XXXX. This is shocking and has severely impacted my Fico Score. 
Im feeling betrayed as I have never been 30 days much less 60 days late. Had I ever been it is written into my agreement that the agreement would not be honored. Im working very hard to resolve this. 
The amount reported to XXXX is not the amount they are demanding I pay. This company repossessed my vehicle for being 14 days late but up until that point I had a good payment history with them and the vehicle was close to being paid off. Now here I am again so close to resolving this account and I feel they are trying to pull the rug out from underneath me. 
How am I to trust them once I pay them close to {$6000.00} that they will honor the agreement? 

I feel this is bait and switch.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
while login on to my credit monitoring I noticed that a few accounts that was on my report 1.midland credit management {$740.00} 2.XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CO

Complaint narrative:
Better Mortgage will not allow me to delete my mortgage application online and have not responded to emails. this account contains sensitive information that i would like removed and not able to be accessed if someone were to hack my account. They do provide a way to delete an application ( which doesn't work ),  but the company provides no way to delete an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: DISCOVER BANK
State: NC

Complaint narrative:
XXXX has me down as owing them on four accounts that are not mine. They refuse to assist. I have gotten a few times where they say I do not owe them anything and they have no info on me. I have these convos in e-mails to prove this claim. With that being said they're reporting my credit for four accounts that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX has me down as owing them on four accounts that are not mine. They refuse to assist. I have gotten a few times where they say I do not owe them anything and they have no info on me. I have these convos in e-mails to prove this claim. With that being said they're reporting my credit for four accounts that are not mine.

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 2020-01-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them?

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 2020-01-29 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: NV

Complaint narrative:
These are not my accounts. Please remove them?

Company response to consumer: Closed with explanation