vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Betterment LLC
State: AZ

Complaint narrative:
Betterment froze my acct due to what they thought was fraud, it was not and I explained the situation and provided them via email a copy of me and my drivers license as requested a week later and after calling everyday still frozen. I cant pay my bills no one will return calls. Then they ask for my sons Drivers license and him holding it, which we did and still nothing. Its been over a week. I finally get an email today saying they closed my acct and now I have no idea where my money is or how to get it as no one will respond. This is going to make me late on my bills and destroy my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX overcharged my account for orders that I paid for an XXXX tried to charge my capital one credit card. When I canceled the items that were not processed capital one stated that I would get a conditional credit within 3 days back to my account but in fact the funds are not placed back an my account is missing the funds but the funds are in my account until XXXX answers back. I had a situation happen to me last year with my information an my accounts someone is doing it again on my other an capital one is not doing anything to protect my account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank has made put delinquent remarks on my credit report for the months of XXXX XXXX for an auto loan that was refinanced with XXXX XXXX in XX/XX/XXXX. Through information gathering, XXXX XXXX informed me they sent PNC a payoff at that time in XXXX, but PNC mistakenly applied my payoff check to a different client 's account and sent them an overage check of XXXX. PNC then sent me an intent to repossess my vehicle in XX/XX/XXXX even though they knew that had made this grave mistake. As a result of the delinquent marks, my credit score has gone down by 80 points. Now that the account has been closed, it has been restored somewhat but no where near what it should be over XXXX. 


Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio recovery took my taxes in XX/XX/XXXX for a table set the store closed in XX/XX/XXXX they stil have a XXXX doller balance on my credit they took XXXX of my taxes its been 7 years there still try to threaten and tak money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I try to fix the problem last time i send the letter to cfpb and you are still reporting this negative items

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount Calvary Portfolio Serv XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a SBA Loan deposited in my citibank account. After a few days use of online purchases Citibank froze my card without a phone call explaining why. I found out at an atm when trying to withdraw money for gas and called their fraud department whom later explained my account was frozen and I needed to go into a bank to prove it was me who requested this deposit which was IN MY NAME which matches my account. They told me once documents were submitted I would either receive a personal phone call or have access to my debit card for use. Here comes over 5-7 business days mind you after submitting my documents to a branch in XXXX XXXX XXXX  CA whose manager whose very kind named XXXX Assisted me and there has yet to be this phone call or yet access to my account. Various representatives have sent various emails to this " back unit '' to whom have NOT called, replied to their emails, or given me access to MY card with MY funds yet. NO response, just that I'm still under review when I personally submitted documents that were emailed by a branch manager and its surpassed this amount of business days and MY LOAN IN MY NAME is on hold.

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 2021-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX - A Request for Mortgage assistance ( RMA ) was faxed to Caliber Home Loan. 

On XX/XX/XXXX - Spoke with rep XXXX who stated the RMA was received, but not reviewed yet. 

On XX/XX/XXXX - Spoke with rep XXXX and did financial interview to start a modification review process. 

On XX/XX/XXXX - Called Caliber Home Loans, Rep stated it is under review with loss mitigation as of XX/XX/XXXX, no additional docs needed at this time On XX/XX/XXXX - Called Caliber Home Loans, Rep XXXX stated it is not in review due it being in forbearance status until XX/XX/XXXX. ( This was in complete contradiction to what was said on XX/XX/XXXX ) On XX/XX/XXXX - Spoke with rep XXXX # XXXX a XXXX. She confirmed the RMA was received. She had to escalate to the original rep to push the loan into review with underwriting. 

On XX/XX/XXXX - Spoke with Rep XXXX ID # XXXX- She stated it was never reviewed for modification. She stated that under new guidelines the client is eligible to apply for a modification even if it is current as long as it's a COVID hardship. She requested the following documents : - A new RMA requesting an FHA-HAMP/Partial Claims Combo - Bank statements for last 60 days, Pay stubs for last 30 days, Tax return for XXXX, Profit and Loss statement for self employment of last 3 months. 

On XX/XX/XXXX - The requested documents were sent to Caliber Home Loans On XX/XX/XXXX - Spoke with rep XXXX ID # XXXX - File is with underwriting, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep XXXX - File with underwriting as of XXXX, no documents needed at this time. 

On XX/XX/XXXX - Spoke with rep. XXXX - File is with underwriting as of XXXX, no documents needed at this time On XX/XX/XXXX - Spoke with rep XXXX - System upgrades are in progress and she could not give the information that was needed. Recommended we call back after XXXX On XX/XX/XXXX - Spoke with Rep Emerald # XXXX or XXXX ( Per new system ) - The review was deemed unnecessary by the underwriting team and was closed out with no decision on the modification. Rep XXXX escalated the the file with the underwriting team to continue the review with the documents that were submitted. ( No letter was sent to notify that Caliber home Loan had decided to stop the review, and no reason was given. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} Barclays Bank Delaware XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

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 2021-11-10 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} Cach LLC XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
I have two medical bills on my credit report from Wakefield and Associates for {$2900.00} and {$600.00}. These bills were supposed to be covered by my health insurance, XXXX. I have talked with XXXX on many occasions and they informed me that it was an error in their end and that they were in fact supposed to cover these costs. I have talked with XXXX three times over the last few weeks only to be told that they are resubmitting the claim each time. I am attempting to refinance my house and this is the only reason I can not. I have also talked to Wakefield and Associates who has the debt now. I also had XXXX call Wakefield and Associates to inform them that XXXX will be paying the amounts. Wakefield and Associates tell me they can not remove it from my credit until XXXX pays it. 

As mentioned above, I have called XXXX multiple times. The first time I was told it was going to be expedited and would be handled within 24-48 hours. I called back a few days later for a status update only to be told it would be 7-10 days. I then called back a week later and was told the didnt get submitted, but they would submit them again, which pushed it out another 7-10 days. I then called this evening and was told that they hadnt been processed yet but he could resubmit them again to see if it would speed it up. When I told him this wasnt acceptable because I had been told this many times already, he said I have been beat up all day and hung up on me. 

I am requesting these collections be removed from my credit report as soon as possible as they were not my responsibility, XXXX has admitted fault, and stated they will cover them. I am unable to refinance my home because of these two collections. 

Wakefield and Associates Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
My bank statements show XXXX XXXX has been withdrawing {$200.00} biweekly for the past several months. They made me believe I was paying a debt I was aware I owed. To this day, I have not receive a single letter or email verifying that Ive been making these payments. They have not provided me a single account or case number associated with said debt. Ive made numerous calls in attempt for explanation as to why I am still receiving debt collector calls and I have not received a single form of communication from these so called debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: LA

Complaint narrative:
I am a victim of identity theft and I am being harassed by ASSETCARE LLC AND XXXX XXXX XXXX XXXX to pay debt on a collection account that does not belong to me. ASSETCARE LLC is reporting this fraudulent account and debt every month to XXXX, trying to collect fraudulent owed debt in the amount of XXXX dollars. From my understanding this account is being sold around and companies are keep trying to collect on it. XXXX XXXX was representing another Company in the matter of this account named XXXX XXXX XXXX, I have enclosed an attachment as proof. I also have enclosed a copy of my identity theft report I filed with The Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Century Financial Services, Inc.
State: CT

Complaint narrative:
Was injured at work. And these people are trying to collect XXXX for an accident that happened at work. This debt should be transferred to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

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 2021-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX Regions bank allowed an unknown person to remove {$1900.00} for two of my accounts for a total loss of {$3900.00}. They have since been extreamly hostile and uncooperative in refunding their mistake. Saying openly that they will drag their feet about this for as long as they can.

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 2021-11-10 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Bloomimgdales XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

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 2021-11-10 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: VA

Complaint narrative:
I noticed this fraudulent inquiry on my credit report and I've disputed it several times with the company and Equifax and and they are still stating this is mine without properly verifying. Please remove the following fraudulent inquiy immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} JPMCB XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} Nordstorm/TD Bank USA XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10 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: CORELOGIC INC
State: VA

Complaint narrative:
I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX  XX/XX/XXXX {$2300.00} Hard Inquiries Credco XX/XX/XXXX N/A

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