vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NE

Complaint narrative:
This is the third complaint we have filed. We have completed fourteen trial payments for a modification that was to have been completed after three trial payments. Each of the trial payments was made timely each month. The modification was approved originally in early 2020. After the last complaint the company responded by saying a task was set on XX/XX/XXXX, to post those payments. The completion of system maintenance will take approximately another month ; however at that time you mortgage account will be current. Your mortgage account will be reported to the credit agencies as current during this period of time. 
I contacted the loss mitigation department today and they said it would be some time before the paperwork was completed and they are waiting on third party approval. Citizens One bank has continuously XXXX  during this entire process, and is engaging in deceptive business practices by refusing to complete the modification that was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX  XXXX 1 Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, my XXXX XXXX XXXX financed through Capital One Finance was totaled. XXXX, my insurance provider deemed the vehicle as a total loss and deemed the vehicle 's value at the full value of the remaining loan amount. My loan will be at 30 days late on XXXX XXXX, during the processing of the total loss settlement, I had asked the company to place the account on hold to prevent a negative report to the credit bureau. While they knew the car was a total loss for which they would be receiving a check to pay off, they refused to place my account on hold until the check clears and the account is at zero. 

I am a veteran of the United States XXXX XXXX and I am currently experiencing a financial hardship ; I do not have the means to make an extra payment by XXXX XXXX to ensure there is not a bad reporting to the credit bureau. At this point, I have to make a decision between letting my utilities get cut off or make a car payment. Due to the processing time, my account should have been put on hold or in a temporary moratorium to await process times of pay off my loan. The member should not be held liable for this situation. The XXXX claims department has been in contact with Capital One, so they are well aware of the check/pay off by the insurance company. In fact, the representative read the notes back to me pertaining to the settlement. Based on the fact that it has been documented by both XXXX and Capital One that my car is a complete loss and a payment in full is in transit to the lender, it will cause an unnecessary hardship on me financially. I have worked extremely hard to maintain my good credit with Capital One over the years and I feel this is a predatory lending practice that will cause harm to me. 

I respectfully ask for your assistance to address this unfair lending practice by helping me obtain a moratorium on my account to allow for the insurance payment to process and prevent a 30 blemish on my credit. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: GA

Complaint narrative:
These credit inquiries are unauthorized and need to be removed from my credit report 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 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2021 {$970.00} dollars were taken from my hard earn savings account by a scammer, It was a puppy scammer, I called my bank right away and to my surprise they don't help you at all. They started a claim and on XX/XX/2021 got an email basically saying that they couldn't help, XXXX is not backed up by them or XXXX Bank of America whom I've banked for 12 years basically just didn't care and said too bad so sad we can't get the funds from XXXX XXXX you are XXXXand on your own. The bank the funds where transferred to is XXXX XXXX XXXX same they are saying too bad so sad. I spoke to Bank of America and asked why is it that they provide service with XXXX when really it doesn't guarantee scams or frauds. Being that it was a service provided by my Bank, I honestly thought they would back up any scams or frauds. Like XXXX does ... Never have I had a claim with my bank, I try to be very careful but I fell for the Scam. Trying to get a puppy for my family and my XXXX needs son. Such a shame that MY bank XXXX Bank of America XXXX can't just help me by giving me the money back for being a Loyal customer for over 12 years, having a checking, savings and credit card with them. Never have done a claim. Is so sad people are taking advantage of others during this Covid-19 Pandemic and even the banks, my bank ( Bank of America ) just basically is telling me I'm on my own. I'm hoping your agency can assist me with something. I have all my 3 credits frozen because the scammer has my Identity Information ( name, address, phone ) they did try to open a card. I have created an FTC claim and iC3.gov, XXXX for the SCAM/Fraud not my bank. Never will I use XXXX again. Hope XXXX XXXX or Bank of America look into my loyalty and refund me my hard earned money as a curtesy refund. This goes to show no one cares about your loyalty and my bank only cares about the money I give them.NOT the money I loose for USING a service they PROVIDE. Feels like a scam from my bank telling me : here use THIS service XXXX but if you make a transaction or get scammed don't come to us. I wonder if they get money from XXXX for each customer that uses the service. Is all a big SCAM. I guess my scammer was trying to make rent payment.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANSUNION ARE REPORTING LATE PAYMENTS ON MY MORTGAGE THAT ARE NOT ACCURATE AND NEED TO BE CORRECTED. XXXX HAS CORRECTED THE ERRORS BUT TRANSUNION HAS NOT AND IT'S BEEN VERY HARD TO CONTACT SOMEONE TO FIX THE ISSUE.

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 2021-05-24 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
From XX/XX/21 to XX/XX/21 My bank account got hacked into from a XXXX XXXX XXXX Deposited XXXX XXXX dollar checks and one XXXX check into my checking account. which they were mobile deposited- signature on the back of these checks don't even match up. I don't even deposit a XXXX dollar check into my account. I don't make XXXX. Then once they got into my account, then they withdrew these checks and sent them out to XXXX XXXX & XXXX. TD BANK allowed these checks to go into my bank account once they found out they were a scam ... fraudulent checks.. I had no access to my bank account. Second of all they forged my signature well tried too. I already processed 3 disputes with td bank all coming back denied due to them saying i authorized this.. Clearly i did not because someone changed my biometrix ( face Id ) on my iphone & all my passwords had to be changed. So clearly someone hacked into my phone and got ahold of my bank account information. I did not authorize no information through my phone i did not give my bank account information out.. I want this fixed now.. TD BANK IS THE WORST BANK & I AM NOT PAYING XXXX I DON'T EVEN MAKE XXXX ... so i hope someone can help me with this. TD BANK WONT HELP YOU!!! THIS IS HORRIBLE AND I AM EXTREMELY FRUSTRATED. XXXX XXXX, XXXX XXXX. & EVEN XXXX XXXX CLERK COUNTY

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX  finally removed the accounts, EXPERIAN and XXXX  failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.

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 2021-05-24 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

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-05-24 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: IL

Complaint narrative:
This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Over the past year I have been trying to severe my 22 year relationship with Citi regarding my charge cards. Citi issued unauthorized cards after I told them I wanted all accounts closed. After many calls with Citi, including their fraud department, I paid an undisputed balance as a payment in full amount on all three accounts I had two of which I never asked for nor activated. Citi cashed the Payment in full check than proceeded to keep attempting to collect more including various fees they kept adding even though they knew the balance was all in dispute. Citi has relentlessly harassed me with as many as 7-8 calls daily on my home phone, cell phone and messages app.They have become increasingly aggressive and may have negatively influenced my credit ratings.

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 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I have a collections account on my credit report for {$840.00} that I have absolutely no knowledge of, this is not my debt. The company that placed this collections account on my credit report will not return my calls, and I have no way of getting it removed, it has greatly impacted my credit. I have tried unsuccessfully to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I am writing about FedLoan the Public Service Loan Forgiveness program management and my application for forgiveness. 

On XX/XX/XXXX FedLoan acknowledged that they received my most recent Employment Certification form, which includes proof of qualified employment since XXXX of XXXX. However, they did not update my account to reflect eligible payments between XXXX of XXXX and XXXX of XXXX ( there are 24 eligible payments missing : I'm at the same employer, making payments on the same plan, etc. ) On XX/XX/XXXX, FedLoan acknowledged that they received my PSLF application for forgiveness, which I submitted based on the belief that under TEPLSF I had made the 120 qualifying payments required. 

On XX/XX/XXXX, Fedloan rejected my application for PSLF/TEPSLF because I had not made enough qualifying payments. 

There are 21 payments " under manual review '' made between XXXX and XXXX. I was told that the data had to come from my previous loan servicer and they were still trying to connect with that company ( XXXX ). I obtained the relevant documentation from XXXX and submitted it to FedLoan.

FedLoan still has not updated my qualifying payment numbers in spite of the documentation I uploaded. 

Currently, their system shows that I've made 78 qualifying payments under TEPSLF. If they process and count the additional 45 eligible payments, my loans will qualify for forgiveness. I've called several times in the last four months and they acknowledge they've received my paperwork but always tell me they are processing it and I have to wait, without any information on when or how long it will take to process. 

I need a resolution, and my loans forgiven, before the moratorium on student loan payments ends in XXXX. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
Cardinal Financial / XXXX engages in deceptive business practices. During the closing process, Cardinal Financial attempted to raise my monthly payment by over {$50.00} per month. Then Cardinal Financial delayed my closing by two weeks and asked me to pay for the privilege of their delay. They attempt to draw out the process and trick unwitting consumers into paying the fees caused by their delay. Even more egregiously, the fees are to continue to lock the originally offered interest rate. Rates have gone down since my application. Not only are they trying to require me to pay fees, they are trying to do so in order to receive a higher interest rate than I otherwise would have. 

I would avoid Cardinal Financial / XXXX. I read the reviews like mine before I continued through their application process, but continued to pursue them as a funding option. That was a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GABA LAW CORPORATION
State: UT

Complaint narrative:
In the XXXX my husband contacted XXXX XXXX collections in regards to an account that appears on our credit report. The company referred him to their legal department ( Gaba Law ) stating they are only the ones that control this account.My husband spent two days attempting to contact Gaba Law. He was eventually able to get a hold of someone via email. The company refused to settled and stated that the judgment amount was XXXX as of XX/XX/21. We do not have a Judgment on us at this time or any previous time. The wording used in the email defining this as a judgment was misrepresentation. I contacted the company on XX/XX/21 offering a settlement via email. They again refused to settle out .I requested validation of the debt. In return I received a copy of a lease and a letter stating the account and that as of XX/XX/21 the debt is XXXX. The company misrepresented the amount owed and the fact that there was a judgment against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: GA

Complaint narrative:
Applying for a mortgage loan and XXXX XXXX  said when they pulled the credit report there were items in the Disputed Accounts section. I have called each credit agency Equifax, XXXX  and XXXX  and all of them say that they are not seeing the following accounts in the Disputed Accounts section but the bank says they are incorrect. Need these accounts removed from the Disputed Accounts section ASAP. they show no issues with payment history. 

XXXX XXXX XXXX # XXXX Equifax and XXXX XXXX XXXX XXXX # XXXX Equifax XXXX XXXX  # XXXX Equifax XXXX XXXX XXXX  # XXXX XXXX XXXX , Equifax and XXXX

Company response to consumer: Closed with explanation