vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NOVAD Management Consulting, LLC
State: AL

Complaint narrative:
A corporate raider took over the company where I had worked for 40 years, sending my job to XXXX and my XXXX to XXXX only knows where. 

This resulted in a financial disaster. A situation made worse after my lengthy hospital stay and my wife 's XXXX XXXX ( She recently passed away from XXXX  XXXX. ) Financial and credit advisors recommended a reverse mortgage on our house. This was not something I wanted to do but had little choice. 

We took a second mortgage to get some debt relief. We were told that we would get to live in the house until we died, as long as I kept the insurance and taxes paid. Which I have done. 

The mortgage went through a half dozen or so lenders with no problem. Finally, ending up at Novad and it has been a hassle ever since, with Novad even ordering me out of the house on two occasions. 

Novad is evicting me again ; a letter dated XX/XX/2021 directs me to be out of the house by XX/XX/XXXX. That I should empty the house and leave the key in the door. 

They never state plainly why this has come about, only that I have not kept one of the mortgage agreements and the payment is due. Which broken agreement is never stated. Only that I should empty the house and leave the key in the door. 

My calls to Novad have not resulted in my learning what the XXXX is going on, or what I have done to be kicked out in the street. I have never received the return calls promised. 

It is not easy on a Social Security income, but I have paid all the taxes and kept the insurance in force. If there is some problem, I would think they would let me know by mail or phone and give me a chance to correct it before evicting me from my home of 50 years. 

I am XXXX years old, suffer from myriad ailments, take 18 prescription drugs a day plus XXXX, and have nowhere else to go. 

A cursory internet check shows Novad has a poor reputation among many customers. I can see why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: Credit Karma, LLC
State: MT

Complaint narrative:
I was checking my credit karma.com account and saw several addresses on my account in the drop down menu.I contacted Credit Karma.com and asked them to remove the inaccurate/false information from my account.They refused citing/lying that they got/received the inaccurate/false information from the three credit reporting bureaus.This is 100 % false because there are no such addresses on my credit reports as all three credit bureaus have confirmed for me several times but credit karma.com to this day refuses to remove the inaccurate/false information from my credit karma.com account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted citi bank that a hacker had contacted me asking about a transaction made in XXXX and got all my information. This was with a citi bank phone # and they even sent a text message via the same text thread I get from Citi bank. When I got back to the office 5 mins later I realized via email from citi that a hacker accessed my online account and transferred out all my funds in my account. The hackers even changed my phone # on the account and I was over 4 hours on the phone with citi bank trying to resolve this problem. They said I needed to file a FBI report as well as a police report, I did this same exact thing that day. I then had to go into citi bank since they froze that account and said I now needed to open a new account. I HAVE NOT RECEIVED ONE LETTER FROM CITI BANK ABOUT THIS SITUATION. I went to the bank this Saturday and they still have no update on the situation and just told me the same thing to call back later in the week that these situations take longer than 90 days at times. Im so upset on the way Citi bank has left me in the dark the entire time with this situation I literally have to go into the bank because over the phone they tell me my account doesnt exist. I am a single mother who is now falling behind on all her payments due to citi bank being negligent and not even updating their loyal customer for over 10 years on this situation and how it would be handled.

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 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is about Paypal, i am probably not the first to complain about them they have accepted an amount of {$930.00} from someone who sent it to me they refuse to release it by the normal bank transfer or by a mailed check i have been using them for about 15 years with no problems apparently they need me to sign up for a new type of account the requires much more personal and financial info that i am not willing to give my contention is : if they needed this to complete any transactions for me then, they should not have accepted money on my behalf regards XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: FL

Complaint narrative:
I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX  XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX 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 2021-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
I am XXXX yrs old and live on a budget. On Saturday the XXXX or XXXX. Someone was able to make 10 charges to my account. At first, i thought my XXXX yr old grandson did it because he just got a phone. Then when they said it came from a XXXX XXXX??? I have no games and neither does my grandson. I dont know how someone did this??? I closed my bank account and my bank feels that XXXX should refund the money they got!!! Any help??? XXXX XXXX for acct # issue XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Ally Financi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull 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 2021-07-18 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
On or about the XXXX of XXXX, my d debit card was stolen, and a {$60.00} purchase was made at a XXXX service station on XXXX. Probably a youngster because who else makes groceries at a service station. But anyway, a {$60.00} credit was added to my new card on the XXXX of XXXX, then it was taken off. Then on the XXXX. You'll see that they gave it back to me. Turned right back around on the XXXX and took it out. Things ran smoothly for a while then on the XXXX of XXXX. Oh my XXXX! {$300.00} in {$60.00} increments, came out of my account and began to be deposited on to all of the cards that I no longer use! Leaving me at a negative balance of {$53.00}. And my account had never been negative before! Sir or madam. I JUST WANT MY MONEY BACK INTO MY ACCOUNT! Thank you and have a blessed day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for a Home Depot credit card on XX/XX/2021, I did not know that for receiving only {$500.00} credit limit they do hard inquiry on my credit report, when I found out I called them and asked for more credit limits to worth the damage which was -16 point on my credit report ; they told me there would be another hard inquiry for increase the limit ; so I refuse to do that. 
Today I found out that even my fiance 's credit report also got affected by home depot credit card, however he is only the authorized user on that credit card!!!!. We were trying to refinance our home which because of this inquiry we did not approve and I decide to reach your help to sort out this hard inquiry on our 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 2021-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Opened New Checking account with Wells Fargo branch in XXXX, NJ on! XXXX XX/XX/2021 and was issued Starter Checks. Individual named XXXX XXXX XXXX was named Successor Executor to my deceased sister 's final Will. I was named Executor. In the grip of grief heading to Indiana for my sister 's burial, the Successor Executor requested that I write her a check for {$5000.00}. I mistakenly complied not emotionally able to process why she had requested the check and needed an immediate explanation of why she asked for that sum of money. By the evening of XXXX XXXX, receiving No response from Ms. XXXX, I became leery that she was taking advantage of my grief to get her hands on my sister 's money and takeover the Executor responsibilities and I initiated a Stop Payment on the check I had written. 
I never heard from Ms. XXXX until Tuesday night when she called to express outrage that I had put a Stop Payment on the check, accused me of Fraud claiming I could ruin her Law Practice and demanding I free up the {$5000.00} the next morning, threatening to place a " Freeze '' on the account to prohibit any activity. Within two days, I checked my account balance to learn that someone had cashed the check with a Stop Payment. Immediately contacted Wells Fargo Fraud Customer, reported the failure of the Stop Payment to be honored and demanding the return of the funds to my account. Multiple Customer Service representatives passed me from one number after another, assigned two different fraud claim numbers and assured me the funds would be reinstated in a few days ; this never happened, even after I spoke with supervisory CS agents that assured me the funds would be restored. Not hearing anything from Wells Fargo for a week and noticed No Change in my account balance, I called with my Fraud Investigation Claim number and was told Wells Fargo I had decided to take No Further Action and to " work it out '' with the recipient of the check. I had a documented Stop Payment confirmation. This is not a customer 's fault : I need Wells Fargo to make this Right and return my {$5000.00}.

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 2021-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Accts in question : *PORTFOLIO RECOVERY A ( acct XXXX ) {$580.00} XXXX XXXX XXXX ( acct XXXX ) {$700.00} I have never done business with PORTFOLIO RECOVERY A nor XXXX XXXX XXXX I am showing 2 accounts for which I am requesting debt validation to include the following : What the money you say I owe is for? 
Explain and show me how you calculated what you say I owe? 
Provide me with copies of documents that show I agreed to pay what you say I owe? 
Prove the Statute of Limitations has not expired on this account?

Show me that you are licensed to collect in my state?

Provide me with your license numbers and Registered Agent or Agent of Service?

please note, a copy of any bill does not VALIDATE the debt thats being reported. This reporting has caused me tremendous grief in my attempt to purchase a home. I need this fixed immediately. i will need all document requested above at this is my 3rd time requesting information from each of the companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I have been trying to close a checking account with TD Bank because I now live in an area without any branches. However, they keep saying they can not do it with an instruction. Then, they also keep charging me maintenance fees on the account, which has no activity at all. Then they tell me they can not close the account because it has a negative balance. So I cover the fee, and they still do not close the account. Of course, they keep charging maintenance fee on it, and it seems like they plan to just keep making me pay maintenance fee on an account I do not use. I would like to know what they are doing to " maintain '' my account, and why they can just ignore my repeated requests to close the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter to the three bureaus regarding my personal information. Its been a 4 months since I've sent out these letters and have yet to receive any changes. Or a response from the bureaus.

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 2021-07-18 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.

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 2021-07-18 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: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I paid off a collection that went to an attorney on XX/XX/2021. Original debt was XXXX  XXXX, then midland funding LLC. After several disputes with credit report, midland funding is still reporting it as unpaid. I've spoke to midland funding XX/XX/2021 and they know it's been paid. Still they're not reprint it as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: PA

Complaint narrative:
I was looking at my credit report and noticed that two credit card accounts were opened and closed in my name. I never authorized anyone to use my information nor did i give anyone my information to use. This one not of my doing or my actions i dont know who could have done this.

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 2021-07-18 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: FL

Complaint narrative:
I checked my XXXX on XX/XX/XXXX and saw some fraudulent accounts and inquiries that don't belong to me. I didnt authorize anyone to use my information. This information is not information relating to any transaction done by me. I did not benefit in any way from the fraud. None of these fraudulent accounts are related to any of my legit transactions. I do not have any information about the perpetrator ( s ) but I am willing to work with law enforcement if charges are brought against anyone found to have stolen your identity. 

Please place an immediate block on the following fraudulent information in my credit file immediately upon receipt of this correspondence. I have enclosed a copy of my identity theft report, a copy of my government issued identification as proof of my identity. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$13000.00} XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$3200.00} XXXX XXXX XXXX XXXX. XXXX, XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$130.00} XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18 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: IL

Complaint narrative:
To Whom This May Concern, I am reaching out due to the credit bureau system disregarding my rights as a U.S. Citizen, and failing to uphold my report in good standing due to their negligence of my rights. I reached out to the bureaus in regards to removing discrepancies off my reports. According to law 15 U.S.C 1681a ( d ) ( 2 ) ( B ) & 15 U.S.C Code 1681a ( d ) ( 2 ) ( A ) ( iii ) - A credit card is not supposed to be on your credit report. Its also stated that a creditor has to notify the consumer and receive consent before reporting to the bureaus. These are all violations of my rights, as I dont know any of these names, and was never aware of these inaccuracies until recently accessing my reports. I ask that you mandate the bureaus to remove all derogatory marks immediately, and adjust my score accordingly to reflect my good standing and 100 % payment history. I have personal obligations that have been withheld or denied due to these issues. I also want to highlight another violation of the bureaus- I reached out on XX/XX/XXXX, and have written several letters since about these derogatory remarks, and today - XX/XX/XXXX, they have NOT updated any of them as being disputed on my credit report. Its currently past the 31 day mark. I act that you hold them accordingly to these violations or I will file a legal suit. I appreciate your understanding, and efforts to effectively resolve these matters. 

Regards.

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