vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Moran Financial Group LLC
State: GA

Complaint narrative:
On XX/XX/2020 I contact Mrs.XXXX  XXXX to assist me a purchasing my first home. Okay missed while collecting all my information got everything she asked me to get. XXXX XXXX induced me to XXXX XXXX the realtor, He show me homes from XXXX to the second week of XXXX and that's when I pick out the home that I wanted. Gave them {$2000.00} earnest money pay {$600.00} for the appraiser and XXXX for the inspection. Everything was going good but I had to get like three extensions because all parties could not get in touch with Mr. XXXX week later waiting on the XXXX to approve and to look over the papers making sure everything was in order. XXXX was approve XXXX XXXX. XXXX XXXX didn't contact me until XXXX XXXX after XXXX XXXX. XXXX XXXX Weekend.  Asking for more documentation that which I had already turned into Miss XXXX XXXX XXXX XXXX had left the company.I got a phone call on XX/XX/XXXX from XXXX XXXX stated that he would be taking over the long process of me going to the closing of my first home as time went by XXXX nothing no call ) 2 weeks I haven't heard anything from Mr. XXXX so I decided to get him a call myself he always send me to the voicemail or text me stating he's in a meeting, or he will call me after XXXX. So I decided to call Realtor XXXX he stated that he been trying to call and get in touch with him also also the the seller couldn't even get in touch with him we all have text messages going back and forth with XXXX XXXX so the founder was he has been holding my loan for 90 days and the seller decide to pull out of course I lost my {$2000.00} I wasting my time with XXXX with the appraiser and XXXX for the inspection I called and let him know what was going on he was trying to call Miss XXXX back the seller I asked for another 30-day extension. All the time he never sent me the CD for closing so when I asked him since I lost my money What he going to do to accommodate me my {$2000.00} earnest money {$600.00} appraisal fee. XXXX XXXX told me there's nothing he could do because it wasn't his fault all I'm asking him to do is give me my {$2000.00} back for the earnest money my {$600.00} appraisal and my inspection and call it a day he told me he would never give me anything because it wasn't his fault. I have proof of everything. And I really feel he was very unprofessional always texting won't pick up the phone to call always give you different lies, or he always in a meeting, or or he's taking care of his dad going out of town.So my point is how can XXXX work on my loan a try to get me closing and you doing all these extra activities there for you never looked at my folder or try to get me close and never sent me the CD before the closing. 

XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I closed my Bank of America checking account on XX/XX/2020 and they told me that I would receive a check in the mail containing the remaining balance on the account. As of today, XX/XX/2020, I have not received the amount. When I called Bank of America today, the customer service representative told me that they can't reissue the check as they don't have a tracking number on the previous check. As a result, I will be losing all of the bank account 's funds that I am owed.

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
This company is trying to collect on an invalid debt. Primary issue is that this is from student debt to a school that was shut down by the Attorney General for being unlawful and unaccredited. XXXX XXXX XXXX All of the debt has been forgiven. The other issue is that this collection company is not legally able to even attempt to collect on a debt to a resident of Illinois. Upon trying search for their Collection license in the State of Illinois, I discovered that they are in fact no licensed. They will say that their parent company is licensed but when pressed for the name of that parent company, the representative did not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX  tried to illegally 5 day evict me in XXXX. My attorney, Ms. XXXX, and I went to court and fought it on XX/XX/XXXX. Case # XXXX in XXXX XXXX County. Since the eviction paperwork was done wrong and served to me wrong, the eviction was tossed out. No money owed and I moved out within the time frame. They are now illegally placing incorrect information on my credit report stating I owe them {$1700.00} dating XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RMS-Recovery Management Services, Inc.
State: KS

Complaint narrative:
I was made aware of an account in collections with Recovery Management Serv on behalf of XXXX University in the amount of {$3400.00}. I have not been contacted by the agency since this debt was listed on my credit report on XX/XX/XXXX. 

This debt appears to relate to an issue from XXXX where I was corresponding with XXXX XXXX and XXXX XXXX from XXXX University. The charges were for coursework that was not taken and dropped prior to the start of class which should have resulted in a full refund. 

XXXX XXXX originally advised that this account was in collections with XXXX XXXX, as shown on my credit report at the time. However, when it was removed and marked closed I considered the matter resolved. 

I am unsure of who Recovery Management Serv is and/or how to dispute this debt that has now been on my credit report for 4 months.

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/2020 ( Monday ) at XXXX XXXX, I went to see a banker at HSBC USA XXXX XXXX XXXX branch to open a checking and savings account. So, I did spoke to a banker and my checking and savings account were opened. He then offered me to apply for a credit card. I told him that I don't have SSN/ITIN and credit file in the USA and my application might get rejected since I am a XXXX XXXX and I live in XXXX. He said it is fine to proceed with the credit card application since he can verify my identity by going personally to the branch and also the fact that I am already a HSBC customer in XXXX. I handed to him my XXXX passport and my HSBC XXXX debit card as my ID documents. It was a paper application and he let me sign and dated it. He also mentioned that since I don't have a US credit file they will use my bank history with HSBC XXXX. 

A few days later, I chatted with a live agent when I logged-in to my HSBC USA online banking to check my accounts and asked the agent about an update of my credit card application. He checked it for me and told me that it was declined. It was very disappointing. 

I was expecting that they would consider my application since I am a first time customer of HSBC USA and a long time HSBC customer globally in general. I hope that the account opening team would have considered my application based on the factors mentioned above. They should have given first time customers a chance to use the credit card responsibly. Furthermore, I am not sure, however, they might be doing this because of the COVID-19 issue and is very stringent on giving out credit cards. They should have reviewed it manually rather than computer based decision. In my opinion, the decision was not fair enough. They have misjudged my application. I emailed my banker about this issue, however no response up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020, there was a fraudulent charge of {$500.00}, on this account. I've called daily from XX/XX/2020 until I filed a complaint with the XXXX XXXX XXXX on XX/XX/2020. During the calls I've had to explain to every agent the reason for my call and neither had any more information than the next agent and claimed to be escalating the claim. Any time I requested a supervisor, the agent never provided one or released the call to anyone else. During each call neither agent knew of an investigation or knew about any previous calls. I also filed a claim twice online, which I was later blocked from using. Not getting any response or credit to my account for this fraudulent charge led me to file a claim with the XXXX XXXX XXXX, which they immediately responded to and provided a generic response on XX/XX/2020 and as of XX/XX/2020, there has been no contact from this company or credit of my account. They've even not responded to the XXXX XXXX XXXX by the given deadline of XX/XX/XXXX. I've explained to them on several occasions that my spending pattern has never included such a large amount. I've looked online and also provided this information to the XXXX XXXX XXXX   where numerous consumers have complained about being scammed by this company and no solution. 
https : XXXX I've waited over 30 days. According to the Truth In Lending Act, if the actual credit card not used, the consumer has no personal liability and by law should not exceed 10 business days. Company has stated that card wasn't used, that it was paid as checking, which I didn't authorize. 

I would like a full refund of {$500.00} that this company withdrew from my account, without my permission. I never authorized withdrawal for this amount on this account and any time.

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 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
WHILE ON XXXX XXXX IN XXXX, MY EX WIFE FILED A FRAUDULENT POWER OF ATTORNEY WITH USAA. NOT UNTILL IN XXXX DID USAA DISCLOSE THE EXISTENCE OF THE POWER OF ATTORNEY WITH USAA. ALTHOUGH SHE WAS MY WIFE, MY WIFE FILED THE FRAUDULENT LEGAL INSTRUMENT TO OBTAIN USAGE OF THE CREDIT CARD WITHOUT MY CONSENT. 

USAA PROVIDED THE FRADULENT POWER OF ATTORNEY TO MYSELF AND AS OF MY LAST CREDIT CHECK, I DISCOVERED USAA LISTED THE DEBT AS A NEW ENTRY LAST MONTH. 

THE STATE OF CONNECTICUT HAS ALREADY FOUND THAT MY EXWIFE HAD ALREADY ENGAGED IN ACTS OF FRAUD REGARDNING SIMILIAR SUBMISSION TO STATE AGENCIES AND FINANCIAL ENTITIES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To whom it may concern : Back in XX/XX/2019, my husband added me to XXXX XXXX  CREDIT CARD. Couple of months later he had removed me from the same account. He is a sole holder of that account, however, XXXX are still reporting me to credit bureaus. This information is incorrect and affects my credit score. Please resolve. Thank you

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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
I contacted ford to remove payment that were late due to me going homeless in 2017 I am XXXX and these payment histories are affecting my ability to qualify for a mortogage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: DE

Complaint narrative:
I contacted this company in regards to a debt that appeared on credit report. The agent advised the debt was from 2016. I was not familiar with the debt. I attempted to work with the agent to settle the debt even though I do not recognize the debt. The agent ( s ) were not working with me despite my financial hardship. I requested a validation of debt from this company which has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
A complaint was filed on XX/XX/2020, regarding information being reported incorrectly on my credit report. On XX/XX/2020 Ally Financial responded that the charge off would be removed in which it was. However on XX/XX/2020 Ally Financial updated the account again as a charge off and increased the balance by {$640.00}. I reached out today to Ally Financial and spoke with XXXX and was told I dont know why and she would not have an answer until next week. This is unacceptable as Ally Financial is severely impacting my credit and possibly my employment due to their negligence and continued errors. This has been an ongoing issue since XX/XX/2020 and we are now in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized 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 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Since XX/XX/2020 I have been constantly disputing several car dealership inquiries. I have called, written letters and completed online disputes. 
I have included a picture of the dealerships that I NEVER visited or authorized a credit pull. These must belong to someone that has a similar name. I remember contacting the 3 bureaus because they had the wrong SSN on my reports. All they did was remove it under personal information but never removed the inquiries that did not belong there possibly with this incorrect social Security number. Now I will never know if that incorrect Social Security number belongs to those unauthorized inquiries. Please find the attached picture where I have circled the unauthorized 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 non-monetary relief
Consumer complaint received 2020-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
XXXX of 2019 we started a loan modification process with Loan Depot. They accepted and in XXXX we started the first of our three test payments. In XXXX the contract was signed by both parties and agreed to. However when Covid 19 hit they placed our mortgage in Forbearance which our us asking or approving. In addition we received no notification that this happened. We then got a bill showing we owed several thousand dollars and when my wife called the recording said we were in Forbearance. We told them we did not approve it nor ask for it. My wife asked to cancel it and noted we have paid our new loan amount every month because we did not know we were in Forbearance. After that we got letters and emails stating it was canceled and that we now owed over 10,000 dollars. They also stated the modified mortgage was null and void. At which time they started hitting our credit daily so I am now down to a beacon score in the mid 500. We have contacted them multiple times and we are always told we would get a call back and we never get a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
On XX/XX/2020 I contacted TransUnion by certified mail. I requesting TransUnion to update and correct all the false, incorrect, and inaccurate information on my credit file with the company. The letter was notarized and it included the legal following documentation that TransUnion requires a copy of my social security card, government picture ID, proof of address.

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 2020-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried using my Citi credit card, but Citi freaked out and blocked it. No valid reason for a block. All paid up and current. Anyway, the XXXX lady on the phone at Citi ( likely sitting in a XXXX sweat shop ) flat out refused to help me because I dont have a phone that texts. 

Over 75 million Americans dont have smartphones and Citi despises us all. They discriminate against each and every one of us. We are the elderly, minorities, rural residents, landline users, people living/working in bad cell coverage areas, and many who dont want to have to text with a call center in XXXX. 

And dont it beat all common sense that smartphones are easily spoofed. Mobile numbers get hijacked faster than a toupee flies in a hurricane. Citibank clearly prefers criminals more than certain demographic categories of real customers. 

So if youre either a smart criminal, or a white XXXX year old techie, well then, Citi is glad help you. But us 75 million lesser Americans? Citi is just trying to scrape us off their shoe. 

Youd better believe the CEO, XXXX XXXX XXXX, is the lead racist, hater, and elite - condescending against 75 million American citizens. Just give him the XXXX helmet already. And the Executive Response Unit is a joke. Theyll tell you to XXXX with evasiveness and ambiguous words, hoping us peons go away. Id bet they have a portrait of XXXX XXXX on the wall in the XXXX office. The minister of XXXX propaganda was a mastermind of manipulation, deception and discrimination. Wicked evil. Just like Citibanks XXXX endeavors to be. To get a job at Citi, you probably have a XXXX tattoo. Id like to think Citi goes the way of the XXXX party. They sure deserve to.

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