vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an accelerated Savings Account with Citi in XX/XX/2019. The account was set up online within a few minutes ( and I did not have to submit any additional documentation via mail ). The account was compromised in late XX/XX/2019 with fraud activity with ACH for nearly $ XXXX. I contacted Citi and within 2 weeks the funds were returned ( early XXXX ). The account was then compromised again with fraudulent activity for almost {$400.00}. I contacted Citi and they advised that the account need to be locked to prevent further activity and that I would need to submit a new application for a new savings account. They transferred me to a representative to set up the new account. My understanding was that the account was set up, though I received a packet in the mail requesting additional information. Documentation was submitted online through XXXX. When I contacted a representative to move the original funds to the new account, the representative advised that the new account was never set up because the tax documents were not submitted. I then submitted the tax documents, but because they were not submitted within 30 days of the application, the application was closed and account was never set up. I then advised that I would like to close the original account and request that the funds just be mailed to me via a check ( or if possible, wired to my non Citi bank account ). Citi advised to close the account I would have to visit a branch. I advised that I was in XXXX area and that there were no brick & mortar branches in my state. I contacted Citi on 4 different occasions in an attempt to close the account and would constantly receive different information and go in circles from customer service, to a branch, to fraud departments. Nobody has been able to help me and I have spent nearly 6 hours on the phone trying to resolve this issue without success. Please help me resolve this issue and get my money back.

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 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
Notice of Sale Postponement was received date XXXX from foreclosure attorney XXXX XXXX XXXX XXXX XXXX, XXXX PHH mortgage sent the Trial 3 payment modification plan with our 1st payment starting XXXX. We have made the trial payments and recently received property foreclosure letter. We have done what PHH required of us to keep our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
Enhanced Recovery has been reporting incorrect information on my credit file that was involved in identity theft. They have several incorrect addresses, names, accounts and phone numbers. A police report has been sent to them several times and yet they continue to report incorrect information including my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

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 2020-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Collection agency continues to report an old outdated account on my credit file. i sent them a request to validate the account and they refuse to do so. The original credit card is so old it does not appear on my credit. i don't recognize this account nor ever having credit with them. Portfolio re-aged the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: AZ

Complaint narrative:
XX/XX/2020 Transunion is lacing my credit report with false entries again. 
XXXX XXXX XXXX XXXX XXXX XXXX is a CLOSED fraudulent account. Transunion is reporting missed payment-this is a lie. 

Transunion is to delete all auto hard inquiries from unknown source entries. Clean up my report 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 2020-03-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
XX/XX/2020 XXXX  is lacing my credit report with false entries again. 
Toyota Motor Credit Corp/Toyota Financial Services is a CLOSED fraudulent account. XXXX  is reporting missed payment-this is a lie. 

XXXX  is to delete all auto hard inquiries from unknown source entries. Clean up my report FCRA!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood is charging me a fee for a line of credit they now refuse to honor. This cost me roughly {$150.00} today. Robinhood 's scam to charge a fee but not provide a service is ridiculous and shouldn't be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I received a Notice of Collection Placement letter from EOS CCA on XX/XX/XXXX. The original creditor was listed as XXXX for {$40.00}. I have received no bill from XXXX at any point before this, and I have a wireless account from them that is in good standing. I called the number for the Consumer Relations Department for EOS listed on the back on the notice. This was XX/XX/XXXX at approximately XXXX XXXX. 

I was connected to an associate who I believe said her name was XXXX. She asked for the account number listed and I gave it to her. She then asked if she was speaking to XXXX Something of a city in Pennsylvania. I said she was not. I am in no way related to this person. She then read me the last three digits of this person 's social security number, which seemed strange, and I said again that that wasn't me. She then apologized, and asked if she was speaking to [ my name ]. I said she was. 

XXXX then asked for some personal information ( I don't remember what it was ), but I said I was uncomfortable sharing that based on what had just happened. She said she understood and apologized again. She used the word " actually '' often throughout the call in a way that seemed strange. 

I asked for information on this debt, she said the company it was from and the amount. She mentioned the date of the service for the charge -- it was a service provided over two years ago that I had worked out payment for with XXXX itself at the time, and I have not received a single bill from XXXX since then. I have no reason to believe I owe them any money. XXXX then told me unprompted that someone else she knew had that issue and they called XXXX but they were referred back to EOS, the collection agency. I asked if there was documentation of the charge and she said, yes, XXXX had supplied the documents. I asked to see them. She said she could send them to my email. I said I also wanted to know how to open a dispute. She didn't answer and asked if I would be closing the account today. I asked if closing the account meant paying the charge, and she said yes. I said I wanted to see the documents from XXXX because I did not think I owed any amount. She then said she could email me documents and asked me to hold on a moment so she could arrange the documents -- I could hear typing in the background for a number of seconds, then the phone cut off. 

This was extremely alarming behavior for a debt that I believe I do not owe. I'd like to find out if I do, in fact, owe anything, how I can see those alleged documents from XXXX and how I can dispute this debt if necessary -- but I now feel extremely uncomfortable going through the collector, EOS CCA, and I suspect the debt is not real. Thank you for any help you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX I visited the Wells Fargo Branch located on XXXX XXXX XXXX XXXX XXXX FL XXXX. I made a deposit of {$2500.00}. Three {$500.00} checks and {$1000.00} cash, as the machine was processing I received error messages and the machine started to jam. It gave me back {$900.00} cash and kept {$100.00} cash & {$1500.00} In money orders. The machine printed an error receipt stating it was and error and theyll credit me {$0.00}. I contacted Wells Fargo and let them know what happened & I was credit back {$1500.00} on XX/XX/XXXX. Today is XX/XX/XXXX I logged into my bank account and seen I was over drafted {$1500.00} due to an adjustment. I contacted Wells Fargo and they were extremely rude, the agent named XXXX told me my checks had been lost and I need to figure it out on my own. He laughed at the fact that i was upset and then proceeded to hang up in my face. I called back and spoke to a woman who did the exact same thing. I am highly disappointed and I do not trust Wells Fargo back at all!!!!!

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 2020-03-10 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: NJ

Complaint narrative:
XXXX VISA account appears on my Transunion credit report as hard inquiries, ( 3 times ). I have disputed many times those 3 account via Transunion and also directly by calling this company but every time transunion and also this above mention company denied my petition to send me any document that shows who autorise them to pull up my credit and make any application. ONCE AGAIN I REQUEST DOCUMENTATION ABOUT THIS 3 HARD INQUIRIES TO BE SEND TO MY MAILING ADRESS O OTHER WISE THEY NEED TO DELETE THOSE INQUIRIES.

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 2020-03-10 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: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
On my flight from North Carolina to Minnesota, the flight attendants were soliciting credit card applications for their XXXX mastercard. As a one time opportunity, they were offering XXXX miles and with no annual fee. The fee would be waived. 

I applied since the outrageous annual fee was being waved. I was approved, I got my card and made a couple charges. When I got my first statement, the outragious {$99.00} annual fee was added to my account. I called customer support and they informed me they they will not waive the annual fee.

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 2020-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I just finished paying off my store credit account which had " 18mth no interest '' which was actually 18mt differed interest ( not disclosed at time of application ). In store at time of application for the store credit I was offered " 18month no interest ''. I was told no penalty if paid early and if I go past the 18 month, interest would only apply to the remaining balance like usual credit card promotions. To my surprise after paying what I thought would be the last payment at the 19th month mark I was charged the full 18months worth of interest. At no time in store was a deferred interest account discussed. And the company has refused to remove the charges because it was supposedly stated that I would be charged the full 18 months interest on my monthly statements. It did however state the deadline and that if I did not make the deadline i may be charged. But in store I was told no charges so why should I have been concerned? False application process, and unclear statements in regards to this promotion. ( in the image attached of the documents I was handed, you can clearly see by the lack of my signatures and completed info that this information was not clearly conveyed at time of application or in the attached pdf statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
refuses to remove hard inquiries when there is no actual proof of identity such as a drivers license or an actual signature ; XXXXXXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX XXXX ( XX/XX/XXXX ) ; XXXX XXXX XXXX  ( XX/XX/XXXX ) ; XXXX ( XX/XX/XXXX ) ; XXXX ( XX/XX/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 2020-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Our mortgage holder, New Rez, and their servicing arm Shellpoint Mortgage, have failed to pay our property tax bill on time. We are very close to having our lack of payment be included in public record and I am very concerned. Their lack of response, and inability to reach anyone live that is capable Of giving me sufficient feedback is extremely troubling. Their also failed to pay my homeowners insurance on time, but luckily that department handled my matter within two weeks of me notifying them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: MI

Complaint narrative:
I personally wrote letters to this company requesting that they validate the debt reported. They have not verified this debt belongs to me after several attemps. Advised that legal action would be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OK

Complaint narrative:
ARS account resolution never sent me any notification about this debt, if they did I would have disputed the validity of this debt immediately. ARS account resolution is in violation of the Fair Credit Reporting Act and must remove this from my credit immediately because they have violated the law.

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 2020-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loans were I deferment due to my change of address and I was not receiving ANY forms at all from them nor phone calls. I did not know these were on my report until I went to try to buy a car and they told me. I called them set up auto payment for 9 months ; after the nine months were over I contacted them several times about setting up new payment plan. In XX/XX/2019 they told me THEY would send me stuff in the mail to my new lender. I called them AGAIN, multiple people have told me several things, different amounts to pay, different ways to pay, different lenders, etc. XXXX I started making my payments again I may them up until XXXX I believe and we made a call saying we couldn't afford the amount we were paying. They told us they would determine our bills monthly and income and then make our payment schedule, which was a lie. So then we get told someone will contact us again. No one mailed us anything and we were 90 days late once we tried to buy a house and we found that out and they said they were emailing us all the stuff, in which they had the WRONG email address. We have since put it on auto pay, we have disputed and wrote goodwill letters. This is ruining our life. Can you please look into this and see if it can be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NATIONWIDE ACCEPTANCE LLC
State: GA

Complaint narrative:
NATIONWIDE ACCEPTANCE LLC XX/XX/2020 CONTACTED MY EMPLOYER " AND HIRED A PARALEGAL TO SET A GARNISHMENT FROM MY PAYCHECK AFTER COURT DOCUMENTS WHERE PRESENT WITHOUT MY KNOWLEDGE.

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 2020-03-10 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I had filed a dispute multiple times with experian for XXXX XXXX XXXX. I never had any auto loans or leased any vehicles with them. I have submitted documentation that my identity was stolen and a police report and have not been able to get this removed. XXXX  and XXXX  have removed it off my credit. I submitted two letters asking for documentation showing that it was me that opened the loan and after 30 days experian send a request saying they investigated and nothing have changed.

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 2020-03-10 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: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10 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: OH

Complaint narrative:
I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, THE XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.

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 2020-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAC Financial Corp
State: OK

Complaint narrative:
I never received any notification concerning this debt and never even had the opportunity to dispute the validity of this debt. This company is in direct violation of the Fair Credit Reporting Act, I should of been given written notification of this debt and 30 days to respond but was not.

Company response to consumer: Closed with explanation