vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX  out balance and am received monthly maintenance 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 2020-09-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
In XX/XX/XXXX, I was put in a hardship do to my son being in the hospital and I had to be put out of work. In XXXX I asked for my payments to put in deferment due to the hardship. GM said that my loan account could not be deferred due to it being a lease and because of that my late payment is XXXX it caused all the late payments from XX/XX/XXXX to XX/XX/XXXX. I finished the loan agreement in XXXX and returned the property back

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX I contacted Citibank about a monthly service fee of {$25.00}. I explained to the CSR that I was aware my balance fell below {$1500.00} so I deposited the necessary funds and they refunded the fee. 

On XX/XX/XXXX I contacted Citibank about monthly fees for the second time because the necessary funds were in the account. The rep told me the account was set up for {$10000.00} balance to avoid fees ( first rep never told me this ) I explained that I was told the balance needed to be {$1500.00} by the 1st rep. He said he would change it to a basic checking account so I would avoid the fee next month being that I was able to maintain the necessary funds to avoid the fee. 
On XX/XX/XXXX I got charged a 3rd {$25.00} fee. I called Citibank again and asked why I was charged the fee again and they said nobody ever changed the account last month and they will not be able to refund the fee again. I explained that the man that I spoke to the previous month was supposed to change my account to a basic checking so the fees could be avoided. She then told me that they would pull up the phone conversations and file a complaint so that I could be refunded. So far I have not gotten my refund and I have closed my account with Citibank.

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 2020-09-26 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
IN XXXX XXXX  XXXX  STOLE FROM MY XXXX  XXXX XXXX  EXEMPT FUNDS DUTRING H.A.M.P. LOAN MOTIFICATION EXPRESS PAYMENTS OF XXXX XXXX TRANSFERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2020-09-26 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have sent a fraud Victim complaint and FTC report to XXXX   regarding the many inquires still on my report that are NOT mine and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I reported to Navy Federal Credit Union on XX/XX/2020 that there had been money transferred out of my account without my knowledge. I informed them of all the information i had, including the person who did the transfers, how she was able to hack into my account, as well as where a large portion of the money was that the company could have frozen at the time till they investigated my claim. From information i gathered on my own because the financial institution would not give me any information, they allowed a large cashiers check to be cashed that was a portion of my money that had been stolen and did not freeze the other persons account until 5 days after my complaint was given. I was told that it could take ten days to complete the investigation and i would be notified after that time of what would happen. The 10th day was yesterday XX/XX/2020. I checked my account today and there was no message for me and there was also no money put back into my account. I called the bank today, XX/XX/2020, and spoke with 2 individuals within the securities department at the bank whom handle the issues and they told me that the investigation had not been completed yet and they could not tell me anything else other then that they would message a supervisor who would contact me within 24 hours. Federal Regulation E states that a financial institution has 10 business days to complete an investigation as long as they are informed in a timely manner, which they were. It also states that if they are unable to complete it within that timeframe that they can extend it to 45 days given they provide a provisional credit in the full amount errored on the account. Non of these things are being done leaving me and my children penniless. please do something to get them moving on this. thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XX/XX/2020 Credit Card dispute faxed to Union Bank Dispute Operations in the amount of {$250.00}. Investigation Completed determined claim valid letter from Union Bank stating {$250.00} was credited to my account on XX/XX/2020. No funds received to date. Contacted bank XX/XX/2020 agent stated would make ticket. Contacted bank again XX/XX/2020 no notes or entries about my claim credit. Told to contact dispute operations again. Received billing statement XX/XX/2020 balance states {$250.00} with min payment of {$40.00} due by XX/XX/2020 and no statement of payment of amount of dispute is not required. Submitted written letter about continuing error on statement XX/XX/2020

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This account was open on XX/XX/2016 and has an balance of {$260.00} I have no contact information I would like to know what services I received to accrue this amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Charges were placed on my credit report stating I owed a certain amount in medical bills dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I reached out to the original provider to let them know of the inaccuracy. I have dual coverage and it seems that they were only filing it to my primary insurance only. They stated that they will refile the debt to both insurance companies. This has not been done and has since remained on my credit. I do not owe this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: All Debt Solutions Inc. dba: 1st Class Agency
State: VT

Complaint narrative:
Hello, I received debt collection agency stated I owed XXXX XXXX XXXX XXXX, 2020. I checked the box on the debt collection letter to request verifying debt and date. sent with certified mail but returned said refusal pick up. Sent 2nd letter with certified mail as well. Now its appears negative report on my credit history. Did the Debt collection agency violate the law that I requested for verifying debt and details twice still no response as they simply went ahead report to the credit bureau. What shall I do? 


Regards, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
I Have sent multiple rounds of disputes to the creditor XXXX XXXX and also to the 3 bureaus XXXX, Experian, and XXXX with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent 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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Social Finance, Inc.
State: PA

Complaint narrative:
We applied for a mortgage refinance with Sofi on XX/XX/2020. After 4 months, we have not closed ( as of XX/XX/XXXX ). 

Throughout the process, Sofi : ( 1 ) Failed to timely respond to questions or provide updates ; ( 2 ) Missed 4 different projected closing dates ; ( 3 ) Caused our credit scores to drop unnecessarily due to excessive credit pulls caused by closing delays ( dates of pulls : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 ) ; ( 4 ) Presented erroneous information in the closing disclosures ; ( 5 ) Misrepresented steps taken to process the application.

We have attached a separate timeline of relevant delays and actions.

To summarize : Sofi has taken over four months to process a single refinance, damaged our credit scores through excessive pulls, presented incorrect disclosures, and missed several projected closing dates. Sofi has  been insufficiently responsive and has failed to provide substantive updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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:
Experian has two collection items on my credit report that are incorrect. Both are from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. Both are medical claims, one is for {$160.00} which can not be identified, and the other is for {$1700.00} which is a claim to XXXX XXXX XXXX XXXX. The claim to XXXX XXXX has been paid probably in XX/XX/2020, this information comes from the FRAUD department of XXXX XXXX, EXPERIAN has committed additional FRAUD by including these items on my credit report.

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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: PA

Complaint narrative:
Please see complaint # XXXX. However, the notary assigned to closure on the loan today did not show at the scheduled time, even though the closing was confirmed by both email and phone. During the confirmation via phone, she also indicated that she did not receive the necessary information from the title company, but indicated that she would keep the appointment. Please see email below : -- -- - Original message -- -- - From : XXXX XXXX Be XXXX To : XXXX Subject : Closing Date : Saturday, XX/XX/2020 XXXX XXXX I am a notary confirming our appointment today at XXXX XXXX Please call XXXX XXXX XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: NY

Complaint narrative:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XXXX I was a victim of Fraud. My mortgage payment comes out automatically from this account. I called the mortgage company Newrez and they assured me the payment had already been made and would not accept pmt. The money did not come out of the account. By XX/XX/XXXX the money still did not come out. I called again and attempted to pay the pmt. they said again they were paid and gave me ref numbers. I finally got it straightened out. But they would not update my account correctly with the new draft number. Now they charged me a fee and will not reverse it. I have provided the the new draft number 3 times! They are at fault also for continuing to insist it was paid and not accepting my payment. I bet they make a ton of money from fraudulent fees. Plus all 5 times I called, it took over an hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from Honda Financial. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX Honda and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at noon on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX Honda that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by Honda Financial on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: CA

Complaint narrative:
I Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus XXXX, XXXX, and Transunion with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX  XXXX account as accurate and arent removing the fraudulent 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 2020-09-26 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: CA

Complaint narrative:
I Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus Equifax, XXXX, and XXXX  with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I have tried disputing on XX/XX/2020. 
I've never done any business with them. 
I don't owe these companies. 
I've never signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This account was open XX/XX/2015 and reported as an unpaid medical {$130.00} I have no contact information I would like to know what services I had to accrue this amount of {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out by letter and by phone to Experian to update personal information, on my credit file, so far they have not complied, the address they have listed are and out dated, and I fear my identity has been compromised because of it.

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 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This account was open on XX/XX/2018 This account was reported as unpaid medical {$110.00} I don ' have contact information I would like to know what services I had to accrue the amount of {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
This account was open on XX/XX/2018 Account was reported as unpaid medical {$120.00} I have no contact information I would like to know what services I had to accrue the amount of {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26 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: WA

Complaint narrative:
Experian is listing a bankruptcy on my report. I have disputed it a couple of times and they say that it has been verified by the company. I received a letter from Experian stating that they verified it with a third party. Per the FCRA, they are required to verify the debt with the original creditor ( in this case the bankruptcy court ) not a third party. Per the government website regarding bankruptcy courts reporting bankruptcies ( XXXX XXXX XXXX ), " The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. '' Therefore, the bankruptcy should be removed from my credit report since Experian can not verify it with the original creditor.

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 2020-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Please review my complaint sent to XXXX  and email not stating it was not refunable AmeriSave Mortgage Corp. in XXXX, GA. told us a {$500.00} application fee was necessary to start. After payment was made we were informed that it was not refundable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief