vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.

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 2021-02-01 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I had outstanding balances that were paid on XX/XX/XXXX at XXXX for {$1200.00} and XX/XX/XXXX at XXXX for {$1100.00} that paid the entire balance on my credit card for the month of XXXX with a statement ending date of XX/XX/XXXX and a period ending date of XX/XX/XXXX. They are saying that even though I made the payments on time, they are saying that the payments didn't clear so they are charging me interest on the account. I have never had payments take this long to clear, and was given no indication that their policy toward payments had changed. They are now telling me to pay 5 days in advance, even though the due date is the end of the month ( which would hurt me as a consumer to prevent me from continuing to earn interest on those funds for 5 days because of their unmentioned change in policy ). I also have the account set up on autopay for the full remaining balance to prevent interest from being charged, which is misleading because I was still charged interest even though my payment processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: FIFTH THIRD FINANCIAL CORPORATION
State: ID

Complaint narrative:
XX/XX/2021. A purchase of {$49.00} by merchant vod info was made on my card. I did not make that purchase ... I called the merchant phone number in the description and the phone number has been disconnected. I called XXXX XXXX payroll card customer service and they tell me it will take 45-90 days to process a dispute. It should not take 45-90 days to resolve a dispute!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northtown Capital Services Group LLC
State: TX

Complaint narrative:
My sister and I received calls from a XXXX or XXXX XXXX ph # XXXX with Northtown Capital services a collection agency. They are calling for a family member. I asked did the family member give him my phone number and he replied no I located my phone via search, not sure what that means, claims I came up as next to kin. I inform Mr. XXXX I do not give permission to him or his company to contact me. Today he called my sister that lives me and was told by her to not call his reply was " we only called twice '' not acknowledging he is calling about a debt that doesn't belong to my sister or me. We want the calls to stop and our numbers removed from this company database.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Several times the XXXX account and some XXXX account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt

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 2021-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
1. I'm a XXXX-year-old woman, do not have any properties or other assets except cash fund of around {$200000.00} which had been in my XXXX money market account since XXXX. 
2. In XX/XX/XXXX, I saw an online promotion by Citi Bank : Get {$700.00} bonus if open Citi Priority checking & saving account, deposit {$50000.00} New-to-Citibank Funds within 30 days of account opening, and maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. The details of this promotion is still online at " XXXX : XXXX? XXXX & XXXX '', I also have attached a Word document " Earn {$700.00} When You Open New Eligible Checking and Savings Accounts and Complete Required Activities.docx '' with the same information. 
3. On XXXX, I applied online for Citi Priority accounts, got approved and received new debit card and check book the following week. 
4. On XXXX, I online transferred {$100000.00} fund from my XXXX money market account to new Citi saving account XXXX. 
5. On around XXXX, my Citi new checking account was closed by Citibank WITHOUT my permission. My new saving account XXXX with balance {$100000.00} was frozen by CitiBank WITHOUT my permission. I could not access the fund after that. I called Citibank many times, was told their Fraud Prevention department is doing some investigation, will inform me in written within 30-60 days. 
6. On XXXX, I didn't hear from Citibank, so I called them and was told my saving account would be closed and the fund check would be mailed to me. 
7. Several days later I received the fund check of {$100000.00}, and deposited it to my XXXX money market account. 
8. On XX/XX/XXXX, I called CitiBank fraud prevention departed, asked why they hold the fund for so long. They said because they couldn't verify my application, no more details available. And the account is not eligible for promotion bonus.

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 2021-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
Purchased vehicle from XXXX XXXX in XXXX, GA in XX/XX/XXXX. Financed through Southeast Toyota Finance. XXXX XXXX sent wrong mailing address to Southeast Toyota Finance despite specific instructions. I was not aware of this error and began making payments according to loan paperwork provided by the dealer. Payments were made monthly via online banking from XX/XX/XXXX to XX/XX/XXXX. I did not notice that the XX/XX/XXXX payment was not deposited by Southeast Toyota Finance. I discovered the error while trying to log on to their website on XX/XX/XXXX. Contacted the Southeast Toyota Finance Customer Care Department. Was told by XXXX XXXX that the finance charges ( {$450.00} ) had accumulated from XX/XX/XXXX. XXXX stated that they had received returned non-deliverable mail that was sent to the wrong address in XX/XX/XXXX. XXXX also stated that they had attempted contact by phone in XXXX and XX/XX/XXXX but were unsuccessful. I have received no voicemails or emails from Southeast Toyota Finance indicating that my account was delinquent. The Manager of Customer Care, XXXX XXXX, offered to reduce the fees by one half, but insisted that I should have contacted them and bore responsibility as the customer. I told her that it was only by chance that I knew about the fees, and had no indication that there was a reason to contact them. I have sent the missing payment and it will arrive on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CBA of GA, Inc.
State: GA

Complaint narrative:
CBA of GA sent me a letter about a debt that was not mine. It was for utility services at a previous address more than a year after I had moved and purchased my current home. I sent them a dispute letter and documentation. They sent the same bill back. I called them and was told " We don't care if it's you or not it's going on your credit. '' I contacted the utility directly and provided the documentation that proved it was not my service. The utility company zero 'd the account. Not only did CBA of GA not provide the information requested and validate the date, but then they also put on my credit report across all three organizations that I had an installment account with them and owe {$0.00}. I have never had an installment account with them and obviously never owed them anything. They have refused to remove or talk to me about the account.

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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Follow up to complaint XXXX. Truist did establish escrow and pay taxes as requested. However, my monthly payment was increased from $ XXXX/month to $ XXXX/month. Approximately five ( 5 ) times greater than current payment and approximately 72 % of my net base salary. 

Truist did not work with me on any payment options or down payments prior to establishing the new monthly payment. Attempts to resolve through their Escalation Department were pushed back to stand customer support and thus receiving the run-around that prompted the initial complaint.

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 2021-02-01 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Over 60 days ago on XX/XX/2020 I sent in a dispute letter concerning the fraudulent accounts that is being reported on my credit report. Still to this day I have not received any notification, email or letter in the mail stating that they have disputed those accounts.

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 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!! 
I haven't called either of these # 's back as I know this is FRAUD!

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 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I filed a complaint last year. When I go online to check status the database has " several '' of my previous complaints intertwined with several of my previous and current complaints. The complaint I am trying to file a complaint today has to do with Bank of America. Bank of America has been practicing Predator Lending Tactics with my late daughter who was an XXXX Veteran. My late daughter ( XXXX XXXX XXXX ), AKA XXXX XXXX, suffered great XXXX among many other ailments until she committed XXXX. My late daughter was harassed by Bank of America tremendously and now they pick up where they left off with ME! On my previous complaint ( s ) I stated that Bank of America 's latest Predatory Lending Tactic was/IS to REFUSE my mortgage payments. Bank of America " knows '' that there's a current Bankruptcy case. Bank of America know that if they REFUSE my mortgage payments they can 1 ) ruin my bankruptcy case 2 ) raise my mortgage payment ( s ) 3 ) OBTAIN OUR FAMILY HOME THAT MY DAUGHTER PAID THE ULTIMATE PRICE FOR!!! Please help our family maintain our family home that my daughter fought so hard for. I have too many documents to fax, email etc., for this reason I would like to meet with someone personally so that they can make hard copies? XXXX XXXX for The Estate of XXXX XXXX XXXX ( XXXX XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: LA

Complaint narrative:
Contacted all 3 major Credit Bureaus with regards to an account that is showing up on my report from XXXX/XXXX and asked that it be removed from my credit report. This account was from supposedly from XXXX XXXX. I contacted XXXX XXXX and they confirmed on XX/XX/2021 at XXXX XXXX Central Time that this account could not be found in their system and that they had no knowledge of the account. I spent over an hour on the phone with a XXXX XXXX representative named XXXX. 

I asked that this account be removed from my reports as it could obviously not be verified. I have submitted disputes multiple times with each credit bureau and they all respond that the information is correct in less than 7 days. This is an impossibility!!!! 

This account needs to be removed from my account according to the FCRA Section 604, 609 and 611. They can not positively verify this account. I attempted to cofirm this account with XXXX XXXX and could not so there is no way that they could possible have followed the correct protocol and followed the FEDERAL LAW with regards to this account.

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 2021-02-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Several times the XXXX account and some XXXX  account was removed as it was the result of fraud and added back in with no notice and no new additional information provided to validate said debt it was added back based on the the same information as when it was deleted both accounts are the result of fraud not only that but several times the creditor collect accounts for these have been removed and re added under new names with no new information to prove said debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I made payments that was not recorded even though I sent bank statements with the payment paid. I received a default letter I sent checks to Fay Servicing to cover the default the checks was not cashed. I sent more than the default amount. the sent a default letter with excessive fees. Something need to be done about this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WLCC
State: MI

Complaint narrative:
Apex Servicing sent a wage assignment to my employer for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
on XX/XX/2021 USAA submitted a " remark '' to the three credit agencies which caused my FICO score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact USAA. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation