vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank will be closing my account that I have never missed a payment on due to a Macys account that had to closed because I went on XXXX XXXX early during the Fall of 2018 and fell behind. I did my part and called Macys and was told I could get on an auto draft payment plan until balance is paid off. I had no idea that Macys was under Citibank. Macys statements do not indicate that they are under Citis umbrella. Citibank emailed me that my Citibank credit card would not be reissued because of a payment plan I had. The letter doesnt specify what account and I only have one Citibank credit card. I called customer service and talked to 3 people and they couldnt tell me account was on a payment plan and that they couldnt do anything. Mind you I have never missed any payments with Citibank.I had to ask for a supervisor and he couldnt tell me either then he mentioned that they have several umbrellas such as Home Depot and Best Buy. I had to go over what store credit accounts I have with the supervisor in order to find out it was my Macys account that is effecting my Citi card. Citi does not equip their reps with the info they need to assist their credit card consumers. Yet even though I have not missed any payments on either account and have paid on time Citi fails to care about their customers that pay on time. I practically spent my income tax return on making big payments on my accounts to work on my credit score and finally got it up to XXXX because I am trying to open my own XXXX. Once Citibank closes my account my score will drop again. This is unfair and a waste of money if Well paying consumers receive the same consequences as if they delinquent. Please help. Im just a single parent of XXXX  trying to make it on own my own and be financially responsible and stable to provide for my kids. This is not the time to penalize consumers during this pandemic. Like everyone else I have not been able to work and I still made sure that I paid both my Macys and Citi credit card and this is the way Citibank treats their loyal paying customers. I have attached my Citibank payment history and my auto draft history to Macys from my banks app along with Citibank letter. 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 2020-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
XXXX XXXX was in XXXX  at the time XXXX XXXX account was opened. Cooling and Winter Attorney have the debt and a judgement was placed on me. I sent verification showing date and time I had to self surrender to XXXX XXXX XXXX in Alabama. I also submitted a police report stating I was a victim of identity theft. I also submitted a signed affidavit stating I am a victim of identity theft. Lastly I submitted verification showing when I returned home from prison. This company refuses to remove this fraudulent account and the judgment placed on me.

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 2020-05-07 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
In XXXX i had a dispute with Bestbuy. 
I tried to get in touch with them for about a month. E-mails calls letter to supervisor by mail. Because i had no luck with contacting them! I called Citibank the bank the card is with .... 
In XXXX Citibank listed this dispute with all 3 credit bureaus ... .I called an spoke to XXXX XXXX supervisor she said shes was going to see what shes could do. Not very helpful .... the account has a XXXX  balance but I cant get Citibank to remove it!!! Im trying to re-fiance because of this virus times are really tough ... But because these dispute are on my reports i can not make the loan until they are removed ... shame on Citibank for doing this at this difficult time. This has caused a lot of Stress Iv written letter e-mails called many many time only to be disconnected. 
Please help I need this loan .. 
Sincerely 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 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
This is a follow up to my complaint # XXXX that you closed. This complaint was not resolved and was closed. TD sent the attached response on your website. They stated they sent the consumer a letter. They never did. I read it on your website. Limited information was provided by TD Bank as to my complaint. The signed letter from XXXX XXXX, VP of Global Security & Investigations does not have and address or phone number on it. No contact information to follow up the investigation as to where my money is. The letter also noted a XXXX XXXX, Sr. Investigator was working on this. Again, no phone number or contact information. TD and XXXX XXXX seem to be keeping me out of the correspondence loop intentionally. I need answers from TD Bank. I want to know if they received the Hold Harmless/Indemnification form from XXXX XXXX as requested. I want to know why this was needed and what does this have to do in relation to my account. Is this to reverse funds back to my XXXX XXXX checking account from their customers fraudulent account?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2020-05-07 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. i have never gone to college, I quickly opened an account with XXXX  XXXX to review my credit report I I found a student loan and other fraudulent accounts I have never opened or gave any one consent to open. Please delete XXXX {$190.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX {$240.00}

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 2020-05-07 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: GA

Complaint narrative:
Equifax is reporting incorrectly that I am ( 30-60 ) days late on the XXXX  partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

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 2020-05-07 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: AR

Complaint narrative:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

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 2020-05-07 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: LOBEL FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/XXXX I financed a car with Lobel Financial for {$13000.00}. 
XX/XX/XXXX I voluntarily surrendered the car due to the loss of my job. 
XX/XX/XXXX the car was charged off and no data was reported until XX/XX/XXXX. The agency has been reporting the account as charged off in the amount of {$13000.00} but also reporting that I'm missing the monthly loan payments currently past due. For the time I actually had the car I paid {$4400.00} in six months. The account has been in collections longer than I actually had possession of the car. I no longer have an open active car loan with them. The agency is showing that I have a recent balance due of {$18000.00}. The rate being added to the account changes monthly. I am losing credit score points due to false reporting from the agency. 

This debt is keeping me from gaining federal employment because it is showing as a delinquent account. 

I have disputed the inaccuracies with the company and the credit bureaus. There has been no change only that the account has been noted that I disputed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
On XX/XX/2020, we paid off our loan with Kia Motors Finance. We still have not received our title and have tried on multiple occasions ( email, phone ) to get a status update. The company has not responded to our emails and repeated phone attempts have been unsuccessful.

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 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: VA

Complaint narrative:
This pertains to loan number XXXX that we have with AmeriHome. We are guessing this issue is related to our attempt to recast the loan after they received {$100000.00} to reduce the loan principal on XX/XX/XXXX, but they could not process it and returned the money on XX/XX/XXXX, along with the {$250.00} administration fee. That was 2.5 months of holding our money! 

Currently, we are trying to pay our loan on-line ; via direct payment and ACH. We have also tried to repay this loan via telephone. In all cases, the account remains blocked by the modifications department. This was the group that was supposed to recast the loan, but worked so unethically and immorally that they had to return it per a previous response to my complaint. 

Note that people managing the messages area keep on line are saying that that loan is unblocked, and/or that we should remove all cookies. IN ALL CASES THE ACCOUNT REMAINS BLOCKED. 

To make matters worse and when we call in, the voice prompt says that we need to be aware that they are trying to collect a debt. We all know that AmeriHome is morally and ethically bankrupt and/or completely incompetent, but this is a new low. How can they say they are trying to collect a debt, when they are preventing us from paying the current loan payment. 

My guess is that AmeriHome is trying to punish us for cancelling the loan recast by preventing payment ; putting our credit scores in jeopardy and leading to delinquency. 

This situation has been going on for at least 2 weeks if not a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
Right now with cash app has been going on since XX/XX/XXXX my funds have been frozen and no response from the company as in whats going on, I have over 800 $ worth of currency. And I have yet to hear anything going on two weeks now. After multiple emails. No way of actually calling or getting hold of customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
I Tried to contact my lender in order to get a forebearance on my payments. They had a machine and said that to contact via email. I did that and have not received anything from them.

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 2020-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. 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 2020-05-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted XXXX XXXX XXXX several times, have usps receipts, have all records proving not 30 days late and since XX/XX/2018 they have reported me 30 days late to all 3 credit bureaus. I filed disputes. Not corrected. I filed second disputes with all after sending 29 letters to XXXX. Still no response. Tried calling credit bureau today. Have been on hold for over an hour. PLEASE FIX THIS PROBLEM. If you need me to send the evidence again, I will. Your site does not allow enough space to send it all. Right now, we can't refinance our home ; we can't sell it and get financed for a new home. We have a buyer for our home at full price, and have found a home to move to, and can't do anything. This is insane. This company needs to be put out of business. CAN YOU PLEASE DO SOMETHING IMMEDIATELY to get my credit reports fixed. I the second disputes, I have them dates, amounts, check numbers, and told them I have the usps receipts because ran out of space on their site. Calling them does nothing. PLEASE, PLEASE, PLEASE FIX THIS. I have an ulcer from this and am under doctor 's care. I can not keep responding to them every other day. My husband is a veteran and we are senior citizens. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 2020-05-07 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from 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 2020-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education
State: PA

Complaint narrative:
On XXXX XX/XX/2020, I submitted an electronic payment to XXXX XXXX XXXX XXXX in the amount of {$150.00}. It was almost immediately removed from my account. By XXXX XXXX, the payment had not yet posted. I called and spoke with a supervisor named XXXX, who advised me to send in documentation about my submission of the payment. 

On XXXX XXXX, I called to follow up and spoke with a representative named XXXX. XXXX told me the company would take " a couple of weeks '' to " get around to it. '' That is an absolutely unacceptable, opaque process, particularly for an electronic payment in 2020.

Company response to consumer: Closed with explanation