vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: LA

Complaint narrative:
On XXXX XXXX my bill for {$50.00} did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of my bank but it was rejected. They never notified me of the rejection and gave me this late payment.I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My personal information was compromised and someone fraudulently opened an account with Chime. Since I dont know the account number I can not access live support, and messages sent to their support email address go unanswered. 
The company touts 24/7 support but actually offers support to members only between the hours of XXXX and XXXX, Monday through Friday, and a short while on Saturdays. 

Scammers are aware and taking advantage of Chimes false advertising, and the company is ill-equipped to handle such issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Macy 's credit card on XXXX  XX/XX/XXXX in order to receive 25 % at the time of purchase. I was under the impression by the sales associate that after the discount was applied that I was paid in full. It turns out I had {$5.00} of remaining balance on the card. My address changed because I moved and did not receive any statements, emails, or phone calls from Macy 's telling me that I still had a balance due. I eventually found out about this when I went to the post office to find Macy 's overdue account statements waiting for me. Macy 's put my {$5.00} into collections without contacting me beforehand by phone or email. Now my credit score has dropped by 80 points due to a {$5.00} charge that I was not informed about.

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 2021-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX came to my abode location and attempted to seize my property without my permission and without court order or judgement in which is theft. This is a violation of my federally protected consumer rights. It is unlawful and theft for my property to be seized by someone without my permission. XXXX XXXX XXXX did not have my permission to contact me. ALLY FINANCIAL sent them to seize my property over an alleged debt that was already paid for. My car was already paid for through a consumer credit transaction. I put a downpayment of {$4000.00} which is illegal in a credit transaction under the provisions of 15 USC 1605 ( a ). Also a finance charge was in connection with the consumer credit transaction in which is the SUM of all charges in which I do not owe any monetary amount every month. ALLY FINANCIAL has committed fraud in this alleged contract without disclosing my right to rescission and the provisions under Truth in Lending Act. ALLY FINANCIAL and XXXX XXXX XXXX  has violated my federally protected consumer rights through abuse and oppression. This is prohibited by federal law.

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 2021-09-27 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I made a purchase using my XXXX XXXX credit card issued by Synchrony Bank on AprilXX/XX/2021. I received the invoice directly from XXXX XXXX, not a statement from Synchrony.

I paid the bill in full via check on MayXX/XX/2021. I informed Synchrony that the payment had been made. They took it as a dispute/lost payment request. They issued my account a credit. Later they reversed that credit and placed the charge back on my account and I received a statement. 
That's when all the email communications started. This has not been resolved, the account is paid and even if they reversed the credit, it would have zeroed out the account since it had already been paid. 
I have attached all communications with them and the invoice and payment. I do not see how I have a balance. This has been going since MayXX/XX/2021.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
I have faxed to XXXX information from my bank account indicating that the debt was settled and to the bank saying that the debt was still owed ; despite the fact that my banking information was received. For the last 4 years it has been taken off, then put back on hurting my credit score. I have finally sent to the reporting company NCA my proof. They are doing something about it, but it has already for years now, ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my XXXX, exquifax and XXXX. Which again I did not apply for any new cards with XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: NY

Complaint narrative:
To whom it may concern today 's date is XX/XX/2021. XXXX XXXX hit me with a hard inquiry on XX/XX/2021. I did not sign anything or give anyone authorization to pull my credit profile so this is inaccurate. I called XXXX XXXX I believe it was XX/XX/2021 that I do have an account with XXXX  XXXX card and if i did ask for an increase it would have been online and its a soft inquiry unless I give them permission to run my score which i did not. the lady said she wasn't sure if was that and she would call me if was misunderstanding online. She had also said it appeared to be a new inquiry. I than asked if she meant a new card? she implied yes. Okay with that being said she said would be removed between 7 days. I am looking at my credit report it still shows on my experian, XXXX and XXXX. Which again I did not apply for any new cards with 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 2021-09-27 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: NY

Complaint narrative:
I have filed a dispute with XXXX and TransUnion in regards to incorrect items on my credit report. XXXX has violated my rights to privacy and refuse to submit Method of Verification for Bankrupcties on my credit report which was submitted to them on XXXX XXXX, 2021 along with documentation from Bankruptcy Court that they do NOT verify information to bureaus. Its been well over 30 days and I haven't received any results.

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 2021-09-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had an account with Bank of America and it was closed at the bank 's discretion. I had my bank card and information stolen and apparently someone ( unknown ) tried to deposit a check into my account. I went through at least 3 months of agony with BOA trying to get a status of a investigation they advised they were doing and also trying to retrieve the funds that I knew I had in the account. I always got the run around and would always get transferred from one department to another. Nothing was never resolved and I heard back from anyone. I ordered my XXXX report and I seen BOA reported on there. I reached out to BOA and they advised there was a check deposited on XX/XX/2019 for {$300.00}. I was never aware before now of the date or amount of anything. All I know is that my account was closed and now I have a suspected fraud activity on my report and I am trying to dispute and clear my name. I have never had this occur before and I was baffled when a BOA agent told me there was never an investigation done. Why? Why slander my name? Please assist so I can move forward from all of this. I am requesting for consumer reports to be removed please. Thank you! P.S. I tried calling BOA 3-4 times on XXXX and prior dates and I couldn't get not one answer about what I can do because I was hung up on and it seemed accidental but no one even tried to call me back and I was getting the run around yet again and being transferred between 2 different departments whom both stated they don't assist with my issue.

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 2021-09-27 00:00:00
Product: Vehicle loan or lease — Lease
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: CA

Complaint narrative:
XX/XX/XXXX I contacted Hyundai regarding getting the title and bill of sales after I was told by XXXX secretary of State that I needed the title/bill of sale before it could be transferred to me. The lease was paid off in XX/XX/XXXX.. On XX/XX/XXXX I spoke to a customer. rep who said that the title dept only worked on titles 2 days a week. They sent an e-mail, which I never received. In early XX/XX/XXXX I received a notorized disclaimer regarding the car but no title or bill of sale. I have contacted the company by mail as of XX/XX/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 2021-09-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: N26 Inc.
State: DE

Complaint narrative:
I tried closing my account with N26 Bank and they asked me in the Chat method for all my information AND SSN. Nobody is supposed to give their SSN around willy-nilly. Anyway, even after giving them the option to call/text me at the cellphone listed, they refused and first the chat-rep ( 'XXXX ' ) dropped off even after I gave my SSN. When I got back on again with her, she closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
CAPITAL CREDIT & COLL Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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 — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This account is fraud please validate. I told Victoria secret no one can help. Can i have an itemized bill, copy of contract etc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested they sent me a monthy statment and a monthly statements is not a contract or agreement and are nonresponsive to my verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter requesting an investigation of items that needed to deleted on my credit report. Unfortunately your response has gone passed the 45 days allotted by CFPB, I have yet to receive a reply from you or any acknowledgment that an investigation has begun. The investigation into this matter is going on 3 months.

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 2021-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: KY

Complaint narrative:
When I received my VA mortgage I was told that I would need to pay my Flood insurance premium one year in advance. approx. {$1700.00} which I did. Mid America Mortgage escrowed that amount and refused to reimburse me. Mid America claimed a shortage in my account and raised my monthly mortgage escrow by some {$300.00} even though my taxes were reduced, my flood insurance had been reduced and my homeowners did rise by {$100.00} per year. After refusing to help me regarding this problem, I changed mortgage companies. Mid America Mortgage still owes me {$720.00} remaining in my escrow account after paying off my mortgage. Mid America Mortgage refuses to send my remaining escrow to me. This is Theft!! 
Please help me resolve this matter. 

XXXX XXXX XXXX XXXX Mortgage account number XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-27 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:
In XXXX of 2021, I filed a dispute with TransUnion credit bureaus about the inaccurately reported account : XXXX XXXX -- XXXX. This account is reporting an inaccurate payment history and according to the Fair Credit Reporting Act it is supposed to be removed because all inaccuracies reported to the credit bureaus are a violation and must be removed. I have sent proof of these inaccuracies to TransUnion, So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about This inaccurately reported account as of today. 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 2021-09-27 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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. THERE IS A CHAPTER XXXX BANKRUPTCY LISTING THAT IS NOT MINE AS WELL. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
Specialized loan Servicing, the mortgage servicer who currently service my loan, is refusing to have funds applied to a monthly pmt. I had made a pmt on XX/XX/XXXXwhich would be for the XX/XX/XXXX monthly pmt. They refused to have the payment be applied to the monthly payment. They applied to the principle balance. I always tried to pay my mortgage in advance, incase of financial hardship, which I'm and going through now. I may now default because unable to make monthly payment and need the cushion of the payments to be paid in advance. Speicialized loan servicing is causing a financial hardship by not applying payments correctly. On top of not applying funds correctly they refuse to send out informational statements about the account status. I have made three request for information statements to be sent out, all have been refused. They refused to make any corrections on how funds have been applied to my account, which makes me question on if other payments may have been missed applied

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 2021-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I recevied a call from Credence Resource Management regarding an XXXX XXXX XXXX  account at an address that I've never lived at. They used my name and SSN to identify me, which is how the account was attributed to me. All the other information belonged to someone else, probably whoever opened the account as me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-27 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: PA

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXXBalance $ XXXX Opened : XX/XX/2013 XXXXBalance $ 4,265.00-Date Opened : XX/XX/2013

Company response to consumer: Closed with explanation