vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was able to open the city goal checking account debit card number XXXX. When I tried to transfer money to this account it was closed. When I called in team choir why I was told it was because there was some negative history with the bank. When I inquired about resolving it they told me that I would have to go into a branch. I explained they had an XXXX XXXX XXXXe and the pandemic offered risk to me and I was not going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another and the pandemic offered risk to me and I was not  going to places like branches under doctors orders. When I asked to ask could be done so I could open the account they said I would have to visit a branch. I explained I didn't find that hair because it was discrimination against people or that used to try to limit contact with other people during the pandemic. I believe that they need to adapt to the current state of the world and if I would be able to open an account by going to the branch another Mechanism must be made available in these times

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 2020-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I have been getting charged DOUBLE INTEREST on my TD Bank Charge Card. My most recent payment for XXXX was paid on XX/XX/2020 for a total of {$140.00}. {$92.00} was for INTEREST. Shortly thereafter on XX/XX/2020, my account was charged AGAIN for {$94.00}. This has been typical since I started using this card. 

On XX/XX/2020 I paid {$120.00}. INTEREST CHARGED was {$80.00}. AGAIN, shortly thereafter, I was charged {$92.00} INTEREST AGAIN on XXXX XXXX. 

XXXX PAYMENT was {$100.00}. {$51.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$80.00}. 

XXXX {$37.00} PAYMENT. {$21.00} was INTEREST. 
XXXX INTEREST CHARGES AGAIN for {$51.00}. 

XXXX PAYMENT was {$35.00}. INTEREST was {$1.00}. 
XXXX INTEREST CHARGES AGAIN for {$21.00} As you can see, TD Bank is charging me TWICE A MONTH FOR INTEREST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: OH

Complaint narrative:
This is the second day in a row that I have received a prepaid unemployment benefit card causing fraud against me by using my name. Yesterday ( XX/XX/20 ) I notified the credit bureau of this fraud issue. This prepaid card is from Ohio, yesterdays was from Colorado. These are US Bank Reliacards Visa debit.

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 2020-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
On XX/XX/2020 @ XXXX I called XXXX @ XXXX to get the automated customer service center to check my savings account transactions. I've been expecting a large sum of money and wanted to find out if it was deposited or not. When I went threw all the prompts including my access code/pin # it kept coming up incorrect. I called again and waited for a Rep. I was told that a new system was imposed a few months ago and that I had to set my pin again. She said in order to do so I had to use the first two numbers of my birth month and the first two numbers of my birth year to get into the system and then I can use my old number if it was within the guidelines which it was. I called again and did as instructed and it didn't work again. I called back again and had to wait approx. 15 minutes to talk to a Rep. He said that because it didn't work I needed to speak to a Tech who would correct the problem and that  someone would call me back. I asked how long and was told by XXXX closing time. No one ever called back and I need to know if the money was or wasn't deposited so I can go back to that company with a possible complaint. I was on the phone over a half hour and accomplished nothing. I told them I was seriously considering transferring my account elsewhere. This is not the first problem I've had with them. call ended XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
I filed a complaint against XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. That collection account was an account originally from XXXX XXXX. The XXXX XXXX solutions was deleted from my credit reports after filing the complaint through CFPB. 
Now another collection agency named Franklin Collection Service is now reporting this same XXXX XXXX account on my credit report. I have never lived in an area wheee XXXX XXXX has even been available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was buying a laptop online and she said i need to pay her before she sends it and then I sent {$70.00} to her after that she said she already sent it but didnt give me any tracking number and now shes not responding

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Already payment in 2010 and still on my credit and support to be off my credit after my credit after 10 years so please take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite FOUR written requests. Experian has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts the post on a credit report.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed above, they failed to positively verify these accounts has hurt my ability to obtain credit. 

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? 
They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Around XX/XX/2020, I received a phone call from Union Bank fraud department regrading suspicious transactions. Upon returning their call, the informed me that on XX/XX/2020 there were two purchases made, from XXXX XXXX and XXXX XXXX, totaling {$3100.00}, through my Union Bank credit card, that I did not make. I could not locate my physical card, and neither could my wife. The card was in her possession for several months, in case of an emergency. She did not make these purchases either. 

I contacted Union Bank and they credited the account and sent me a new card. 

On XX/XX/XXXX, they sent a letter that they determined the transactions were authorized, and re billed my account for the stated amount. The letter stated that I can request to view the documents/information that they used to make the decision. I had sent a certified letter back to them, specifically to XXXX, Fraud Management Services, XXXX XXXX   XXXX, XXXX, XXXX XXXX, clearly requesting that information. 

A month later I get a reply from XXXX, Dispute Operations, XXXX XXXX   XXXX, XXXX, XXXX XXXX, asking me to explain what transaction I would like information on, a description of what happened, date/dollar amount, and what I am expecting from them. I called XXXX at the number in the letter, XXXX ex XXXX and left two voicemails explaining that I am replying to a letter from XXXX, and looking for the specific information that was used to determine the charge as authorized. 

On XX/XX/XXXX I receive another letter from XXXX, regarding a different charge, for {$210.00}, from XXXX, asking me to complete a dispute form and fax it to them. This was a transaction that I never continued to dispute because I was able to eventually resell the item and get my money back.

Union Bank is giving me a run around regarding providing information for this fraudulent charge. The two employees, XXXX and XXXX, have -never- answered their phone, and are completely avoiding providing direct answers and information, and resolving this latter.

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 2020-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C/C Financial
State: FL

Complaint narrative:
On XX/XX/2020 I called to scheduled for furniture leased to be picked up from my prior residence. Since then I have received constant run around from this company starting with an employee named XXXX XXXX. Every pick up that was scheduled resulted in no shows from the start. I even reached out several times to the company picking up the furniture who repeated failed to do so wasting my valuable time. This went on for at least two weeks of verbal and email communication until the end of XXXX. The end of XXXX I received an email for a settlement and called the company regarding it. I ended up settling for XXXX XXXX and XXXX dollars due to I was sick and tired of the repeated lack of customer service and unprofessional-ism. Again, I was paired up with Mr. XXXX XXXX whom never advised me of a XXXX XXXX dollars fee and charged my bank card without my knowledge. I called back once I notice the fee and was refunded. However, this employee is extremely incompetent that I have endure constant suffering and anxiety as this would go against my credit. Today, I was notified by a credit alert this account has gone against my account. Prior to me stopping payment because they were suppose to pick up this furniture my account was never late and always on time. This company has now jeopardized my credit history and causing me financial suffering. This company is a scam and is continuing to ruin people financially after sending me a settlement and accepting my offer of 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 2020-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
after discovering over 15 accounts that were opened or reopened and maintained by someone else without me having any knowledge of. not on my that but i have the full statement and it clearly shows that i was being followed and the transactions were tracked and purchased at places i would go. not only that, i also found out that someone found a way to merge the accounts by planting the card into my possession so i can re-claim the transactions that were made.

after i brought this to the CEO attention, i was told the accounts never existed.

At this time i was missing a lot of packages and mail i was expecting so i placed a hold mail at the post office to accidentally intercept a mediation letter that i had no knowledge of so i called. during the first call i was outraged and concern so the rep said that letter was already settled and nothing else. Hung up.

the second call i made, i acted as i knew exactly what it was and just needed to varify some information and the representative on the other phone told me this letter was already settled for XXXX i thanked her and hung up i then noticed a different mediation letter but 1 number off and so i called again to ask about the other mediation settlement besides the XXXX settlement. 
she told me if i couldn't verify enough information for her to move forward. Hung up on me.

i now have discovered that i only came across maybe 4 different settlement case ID numbers. i believe there was a settlement for each and every one of the unauthorized accounts that were opened and managed by my impostor. this can vary well include settlements for the mortgage loans and auto loans too. totaling 15 unanswered settlements that were fraudulently made out to me without any of 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 2020-09-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  does not have a credit score for me which is hindering my credit utilization it's getting really difficult with all three credit places that I don't have a credit score yet

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 2020-09-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX went to TitleMax on XXXX XXXX to receive a loan I explain to them that I would have a lot but not American side of me and I would like for that to be paid off and you get the balance back myself which would be {$1300.00} for me the lawn ask your mom was {$3500.00} which would pay {$2100.00} to North American title loan and leave me with {$1300.00} at that time Miss XXXX told me everything what to type She said you won 13 back for yourself so you asked for XXXX thats what you put in the box I said what about the part to pay off for the other loan she said yes that would be done and it all goes together I did what I was towed after doing this the money was placed on a debit card giving From TitleMax on XXXX XXXX to me in the amount of {$2100.00} she told me that the loan was approved and that I was able to get {$2000.00} I asked her if {$2000.00} was for me my spending she said yes I said thats more than I asked for I also asked if the loan was paid to XXXX XXXX XXXX XXXX she told me yes and with it being paid I still would receive {$2000.00} after the money was given to me it was automatically taken back off and give it to XXXX XXXX XXXX XXXX Which was not what I saw actually the contract is just a new contract for a new law that says nothing about the pay out loud also the percent rate is XXXX South Carolina maximum interest rate is XXXX by law they shouldve not been able to take the money off the card after it was given to me it was told it was for me and that XXXX XXXX was paid off in XXXX then telling me that I have to Pay {$12000.00} and six {$.00} on a {$2100.00} loan I believe that I am a victim of predatory lending I believe she knew exactly what she was doing I talk to the supervisor MrXXXX XXXX he told me there was nothing he can do for me I told them I wanted to cancel the loan that same day they told me no the next day which was Saturday, XX/XX/XXXX I spoke with a supervisor by the name of XXXX XXXX and he told me to ask XXXX XXXX XXXX XXXX for the money back that would be the only way to avoid the lawn guy told him I did not give it to them so he would have to get it back here and then told me that all he can do is ask them to buy the loan back from them at this point I really do feel like I was prayed upon there are laws that have been broken within the contract there was another contract written without another contract being closed and I still have nothing showing anything about XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am furious that this second mortgage was not forgiven after the whole predatory lending fiasco in the early to mid XXXX era. Most second motgages were forgiven as part of a settlement however this loan was sold and improperly and fraudulently switched to seem as if it were a first loan, avoiding the forgiveness process. 
I have paid over {$100000.00} on a {$65000.00} second mortgage and now they want the entire balance of {$51000.00} paid by XX/XX/XXXX. This has to be illegal! 
I don't want to pay them another dime and want this loan forgiven and all that I have paid to them refunded to me. 
The current company, which is probably the fifth, is XXXX XXXX ( PHH ) and the account number is XXXX. XXXX XXXX XXXX, XXXX. XXXX, NJ XXXX. Tel - XXXX. 
I have made numerous attempts to deal directly with the bank however with all of the changes in the companies, who can keep explaining this to non caring individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
This company has changed its information a few times and reported inaccurate information consistently. From being included on a bankruptcy, incorrect amounts, now incorrect dates ( date of major delinquency now XX/XX/20 )

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 2020-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
We requested and received a mortgage forbearance due to the COVID crisis. After we were approved for the forbearance, we contacted PHH Mortgage ( our mortgage finance company ) to discuss repayment options for the forbearance amount. Despite of telling the company that we were unable to make a lump sum payment at the end of the forbearance, PHH has refused to offer any other options such as placing the forbearance amount on the end of the loan or allowing us to pay it back over the remaining mortgage payments ( approx. 180 payments ). Therefore, we are reaching out to CFPB to see what other  options are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIRST ADVANTAGE CORPORATION
State: AZ

Complaint narrative:
I sent myself a transfer to my XXXX checking account from my Current account for {$1500.00} on XX/XX/XXXX and the transfer was canceled and shortly after my account was placed Under review with and email requesting documents on since XX/XX/2020. I sent over my DL SSN XXXX  ACCOUNT STATEMENT AND MULTIPLE REQUEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I was aware of this fraud account on my credit XX/XX/2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.

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