vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I submitted an ACH payment to Citizens One Consumer Loan Servicing/ Citizens Bank , ( mailing address - XXXX XXXX XXXX, XXXX , RI XXXX phone number XXXX XXXX XXXX ), with the wrong account number. The bank and I acknowledged this mistake and the bank sent me a letter which states that the bank has reversed my payment. 

As of this letter and today 's date the bank has not reversed my payment of {$400.00}, I double paid to avoid other problems with the account and the bank processed my payment. 

The bank has also not responded to my phone calls or complaint letters and is ignoring my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of 2020 I began the process of refinancing my home loan from Wells Fargo. During this process my loan originator noted that there was a {$1000.00} discrepency between what Wells Fargo had reported to the credit agencies and the amount they gave when asked for a payoff demand. I called Wells Fargo to report this discrepency and an investigation was opened. It has been over 45 days and they have not responded to my request. I just spoke to a supervisor today and was informed that several people had looked at my account but they have not figured out why the discrepency exist. I asked why no one from Wells Fargo has contacted me regarding this matter and she said she did not know.

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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
Requested debt validation on XX/XX/2020 via certified mail. The collection agency signed for the letter on XX/XX/2020. 

A complete and timely debt validation has still not been received by me as of today 's date - XX/XX/2020. This is well past 45 days. By federal law the collection agency is supposed to provide debt validation within 30 days ( 45 days during this pandemic ). If they do not then the debt is to be removed from my credit report. 

My credit file has merged with another person of similar name. I have called the credit bureaus, and they admitted the error. They are in the process of removing inaccurate/merged information from my file. Experian has nearly completed it at this time. I am waiting on the other credit bureaus to complete the process. 

In the meantime, I am having difficulty with this collection agency. The debt they are attempting to collect is not mine. They have not validated it, and will not do anything to rectify the situation. 

I am a small business owner. I employee 9 people full time. I discovered this credit mess when I applied with the SBA for a disaster loan ( in XX/XX/2020 ) to save my business during this pandemic. I was denied for the SBA Loan based on my low credit score.

My score is low due this collection agency and 3 others reporting inaccurate information on my credit report. The SBA will reconsider my loan request if I can get my credit score back up. 

I have followed all protocols under the FCRA to attempt to resolve this situation. The collection agency is not cooperating in any way at all. 

I have documented everything, and am prepared to initiate a lawsuit if necessary. My attorney will be involved should it come to this. 

I simply wish to resolve this matter so that I can keep my business running, and maintain my employees jobs and livelihood. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX is currently reporting an unvalidated debt through a collection agency Portfolio Recovery Associates. I have reached out to XXXX XXXX   and they do not have a record of the debt. I have contacted Portfolio Recovery Associates asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can XXXX XXXX or Portfolio Recovery Associates validate its grounding for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I initiated two on-line ACH transfers in the amount of {$7000.00} each with my Citibank Checking account. There were two ACH transfers in the amount of {$7000.00} on XXXX XXXX, and {$7000.00} on XXXX XXXX from my XXXX XXXX account to my Citibank checking account. However only {$7000.00} ACH electronic deposit showed up in my Citibank checking account. 

For more details, please refer to the bank statements from XXXX XXXX and Citibank. From the XXXX XXXX monthly statement, there was a debit of {$7000.00} on XX/XX/XXXX, and another debit of {$7000.00} on XX/XX/XXXX to Citibank. However the Citibank monthly statement only reflects {$7000.00} on XX/XX/XXXX. So I am missing {$7000.00} with my ACH electronic transfer. I have since contacted and escalated numerous times to both Citibank and XXXX XXXX about the ACH electronic transfer problem, but this problem has not been resolved. 

I appreciate if you could kindly resolve this ACH electronic transfer problem between Citibank and 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 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: GA

Complaint narrative:
US Bank is currently reporting an unvalidated debt through a collection agency XXXX XXXX XXXX. I have reached out to US BANK and they do not have a record of the debt. I have contacted XXXX XXXX XXXX asking for validation of th debt and they have been unresponsive for 90 days. I have no knowledge of this debt, nor can US BANK or XXXX XXXX XXXX validate its grounding for payment.

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 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
TSI is attempting to collect on a debt that is not owed by me nor authorized by an original agreement between the original creditor and I. If TSI feels that this statement is incorrect than I invite them to provide me with a copy of the original contact between the original creditor and I, failure to do so with result in additional liability under the FDCPA/RFDCPA. Additionally, if they provide me with monthly statements and fail to provide the original contract this will establish the existence of an original contact and lack of possession of the contract in their file. The original contract must be provided within 30 days. Failure to do so will result in a lawsuit pursuant the FDCPA/RFDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: AL

Complaint narrative:
I just received my unemployment state debit card and it wont let me activate my card online, on the app, or over the phone because its saying my information dont match records but i am giving the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Investigation took longer than 30 days and the credit report has not been changed. I have not seen records that purport what the company is saying. Please provide a recorded call log of my phone conversation when the chat of miscommunication took place regarding payments. 

Please also provide a written log of wording of what was said. 

Also provide call log of all the times I called and received unanswered responses and failure of call backs by the company to deny you're service was unattentive. 

Also provide a report on Mr. Cooper treats customers of all races in regards credit mishap forgiveness and credit embellishments. There may be a level of systemic bias in this matter that we are not seeing as to why  this company refuses to remove a credit mark when so many other companies can and will do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

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 2020-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Nordstrom debt has been paid and company has provided a written letter saying that credit agencies would be notified. That action has not been taken and the company has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Absolute Resolutions HAS REPORTED INACCURATE INFORMATION ON MY CREDIT REPORT. I'VE HAD NO DEALINGS WITH THIS COMPANY Absolute Resolutions. RECENTLY ON XX/XX/2020 Absolute Resolutions REPORTED A {$11000.00} COLLECTION ON MY CREDIT REPORT THAT IS INACCURATE. 

THIS Derogatory mark HAS REALLY AFFECTED MY CREDIT SCORE IN A NEGATIVE WAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: CA

Complaint narrative:
Equifax did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion did not investigate my file in a timely manner. I am extremely upset by this. I don't know why I must spend so many countless hours trying to fix the mistakes on my credit. This is causing me a lot of XXXX. Please find attached letters previously sent by me via USPS certified mail. I am trying to buy a house and am trying to avoid any unnecessary litigation under the FCRA.

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 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Received a promotional email offer to upgrade my Amex everyday card to Amex everyday Preferred with a XXXX bonus Amex reward points after {$2000.00} spend. Applied through the link in email in end of XXXX, met minimum spend and inquired through Amex App chat regarding the bonus status on XX/XX/XXXX and was informed there was not any upgrade bonus offer linked to the card. Agent opened an investigation same day on XX/XX/XXXX. 

XX/XX/XXXX - Chat via Amex app to inquire investigation status and was told the same - no offer was attached to the account. I then told the agent I have the email as proof and was told to provide the POID code - POID : GF0A:0001. Agent checked the code and opened another investigation with the code XX/XX/XXXX -Chat agin via Amex app. Agent asked if I have uploaded email image which I have never been told. eventually I pasted the whole email body with the code again to the agent. Then was told I need to wait. I asked to talk to a manager but was just repeatedly told there was no offer attached and my request was denied. Manager further claimed that it looked like I didn't use the offer code when I upgraded. I'm sure I used the link in my email to upgrade - without the offer I would not have done the upgrade. 

XX/XX/XXXX - Again Chat via Amex App. This time was told investigation revealed no offer was attached and there was no document uploaded - so investigation was closed and request denied. I did paste the whole email once and provided the code a few times already. Transfer to supervisor who basically said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Figliola & Romano, LLC
State: MA

Complaint narrative:
Figliola & Romano sent me a letter dated XX/XX/XXXX that I owe a {$1100.00} debt for XXXX XXXX. They said they are collecting the debt. I sent them a letter XX/XX/XXXX ' asking them to verify the debt per MA regulations. XX/XX/XXXX ' they sent me a letter saying they will send me validation of the referenced debt. Letter dated XX/XX/XXXX ' they sent me accompanied credit card statements of the alleged debt. I responded XX/XX/XXXX via letter that the credit card statements failed to validate the debt Pursuant to 940 CMR 7.08 ( 2 ), they did not oblige by sending documents ( a ) to ( d ) which in part entails documents must bear my signature - Documents provided to me did not bear my signature. Also they did not send the mail as first class as required by the regulations but by standard mail. I asked them to validate the debt as documents provided not sufficient. Instead of trying to resolve this matter w/ me,  they sent me a letter XX/XX/XXXX saying what they sent me validates the debt, thus they reject my request to further validate the debt as I still dispute it. And that they will no longer respond to any request to substantiate the validity of the death - this is unfair & deceptive collection practices per MA 940 CMR 35:00 ; especially during a current state of emergency due to the Pandemic. I even told them they in error mis reported me on my credit part but they refuse to listen to 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 2020-09-29 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: TN

Complaint narrative:
i have ask XXXX, TRANSUNION, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

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 2020-09-29 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: National Credit Systems,Inc.
State: KY

Complaint narrative:
Paid balance to National credit system on XX/XX/28. Was told when making payment that it pulls be removed from credit by after 30 days. Account is still reporting to my credit. Was told account would be removed and report paid in full when I made payment. Please remove!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
-citibank offered {$1500.00} if I deposit {$200000.00} for 60 days -on day 63, I contacted them -they said, they need 90 days to provide the award I am sorry, but I am not supposed to wait 90 days to get a promotional offer for which the trigger was 60 days. On day 61, the funds should appear, full stop. anything short of that is an active effort to not provide the promotional offer to someone who has qualified also, expecting a consumer to do further work to obtain the promotional offer is unfair and deceptive, and takes valuable time away from me chasing down the promotion I should've been provided in a fully automated fashion

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 2020-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I turned in my lease on XX/XX/XXXX and received a bill from Hyundai Motor Finance in XX/XX/XXXX. I tried contacting the dealership for help, because my husband has been out of work since XX/XX/XXXX due to Covid-19, and the dealership never contacted me back, this went on for over 2 months. On XX/XX/XXXX, I finally spoke to a manager who basically told me too bad nothing I can do for you, you have to deal with Hyundai Finance. I have had nothing but issues with this XXXX XXXX XXXX, I was more than happy to end my lease early. On XXXX XXXX, I contacted Hyundai Motor Finance, I spoke to XXXX XXXX, he told me there was nothing they could do to help, that it could possibly be sent to the credit bureaus once the account hits 90 days. I explained to him about my husband being out of work due to the pandemic and receiving less than $ XXXXweek,  after about 30 minutes XXXX XXXX told me to call back at 90 days, XX/XX/XXXX and they could offer me a settlement. On Friday, XX/XX/XXXX, I noticed my credit score dropped 47 points I was furious, I called Hyundai Finance again on XX/XX/XXXX, received a settlement amount of {$470.00} and paid it off ( after having issues-4 phone calls before actually getting the XXXX XXXX number ). Every other business is working with their clients/consumers during Covid-19 except Hyundai Motor Finance. Hyundai Company only cares about money, they don't care about their customers needs.

I would like to have my credit score fixed and this negative report taken off my credit reports. I attached the 2 letters ( 3 pages ) I received which neither says anything about reporting to the credit agencies prior to 120 days. I have submitted a complaint to XXXX on XX/XX/XXXX and to date, Hyundai has not replied to them. 

On XX/XX/XXXX, I called Hyundai Motor Finance to be sure my balance was zero and XXXX told me I had a balance of {$110.00}, according to XXXX, she is submitting a waiver for the {$110.00} and I will receive a letter stating my {$0.00} balance. I could not believe that they had not cleared this up since I paid the settlement amount on XX/XX/XXXX. As of today, XX/XX/XXXX I still haven't receive any confirmation my account is zero. 

Please help!! 

Thank you in advance for your help.

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 2020-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
My mortgage company : Loan Care failed to pay my taxes for XX/XX/2018. I found out when I got a notice from the lien holder a month ago. I have emailed and called several times and keep getting the run around. I have paid my mortgage on time and thankfully never missed one payment.

I have an FHA loan and am forced to have an ESCROW because apparently they think new homeowner 's can't pay. But obviously the mortgage company can't even pay. And now I have all these fees built up.

DO NOT USE LOAN CARE AS YOUR MORTGAGE COMPANY!

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 2020-09-29 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: TN

Complaint narrative:
i have ask EQUIFAX, XXXX, XXXX  to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove

Company response to consumer: Closed with explanation