vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America closed my personal and business accounts today without any notice. 
I only found out when I tried to run a transaction thru and it was denied. I called them because I have never done an overdraft with them since this account was opened. All they would tell me is that it was a business decision. No other explanation was made. 
Now all my money is tied up, all the checks that I wrote are being returned and any direct deposits that came into this account are also being returned. I still have approximately {$2600.00} in these two accounts and I can not get access to it. I have bills to pay and no money. When I asked when I would be getting this money all she would tell me is that I would be getting a letter in the mail in the next week. She told me they would be issuing me a cashier 's check for the account balance but could not tell me when. I said I need this money as it is all I have to live on and her response was everyone needs money these days. I am just beside myself as to what I am going to do. I can not believe that they can just close an account for no reason and then hold on to the money without giving you a date as to when it will be returned. Just a terrible way to treat customers.

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 2020-01-08 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: CA

Complaint narrative:
XXXX XXXX is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting the following : " Account charged off. {$4700.00} written off. {$3900.00} past due as of XX/XX/2019. '' It is not possible that only {$3300.00} is past due after 7 years the entire amount is past due. 

The law requires that information be ACCURATE or removed.

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 2020-01-08 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 don't recognize this inquiries, i never applied for this companies. I believe, that somebody used my personal information and applied for it.

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 2020-01-08 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 don't recognize this inquiries, i never applied for this companies. I believe, that somebody used my personal information and applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: FL

Complaint narrative:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.

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 2020-01-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I used my Citibank Thank You Rewards card to purchase a trip on XX/XX/XXXX. We took our trouble but ran into a little trouble with the flight. When we returned I contacted Citibank to dispute the charge, the dispute was entered for the full amount of the charge which was {$1700.00} which was never the amount that I wanted to dispute. What I was trying to do was dispute half of the airfare portion because we missed a half day of our trip due to airplane trouble. A provisional credit was given for {$1700.00}, I called and stated that the amount wasn't correct, another credit was issued for {$1700.00}. That two credits and someone must have realized it and reversed one. This left one provisional credit of {$1700.00}. The dispute was then closed because XXXX XXXX didn't agree, in the meantime I made two payments of {$890.00} which totals {$1700.00}. When the dispute was closed, I had it reopened explaining that all I was trying to do was get {$490.00} which is half of the airfare, when the initial dispute was denied it was fine because all I would have owed Citi is whatever I charged while the dispute was going on. What Citi did was instead reversing the {$1700.00} credit, they rebilled me {$1200.00} which to means they were crediting the {$490.00} as requested, that is the difference between the provisional credit of {$1700.00} and {$1200.00}. They are trying to tell me I still owe {$1700.00} and that is not correct and I am unable to understand why I can't seem to get these people to understand that. I contacted the Office of the President at Citibank and spoke with a XXXX XXXX who stated she would have this issue resolved and I have not heard back from her aside from a voicemail she left at my home on XX/XX/XXXX that said nothing about what was being done. I called Citi again today and was told that XXXX XXXX noted my account that the investigation was closed. How can you close something without advising the client and also the situation has not been resolved.

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 2020-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
The reason i am behind on my mortgage is because I have tried twice unsuccessfully to get my loan modified because my interest rate was at 6 % which was and is high compared to current and 10 year rates. 

each time during the modification process I was advised on the phone by my assigned representative ( XXXX XXXX XXXX Not to make my Mortgage payment because I was in a Active Modification. 

The last time I was in the process of applying for a modification XXXX-XX/XX/XXXX9 I  continued to make my payments and forwarded all the requested documents to Mr XXXX. i did not hear back from him for a couple weeks.I decided to call and check with him. He replied he never received the documents my email showed that they did. 
i told him I would re send them. I waited a couple days after not hearing from him. 
I called him back spoke with him told him I was putting my check in the mail he replied no don't send it we have a sell date. 
i am under the impression that Selene Finanace is practicing bad Loan servicing Practices. whenever I try contacting them with an issue I am shuffled between 2 and 3 departments and none knows what the other is doing or has done and it becomes a shell game. 

I have been paying on this Loan for 10+ years and none of my money is going to principal which i consider to be predatory Loan Practices. 

I do not believe Mr XXXX ever presented my Loan To the investor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
i checked my credit today they was Hard Pull on my credit XXXX XXXX XXXX XXXX, i called XXXX they had nothing in the system showing that i filled out for any credit and i no i didn't but i wanted to see who is behind it they said they nothing we can we can but you call this other number and i did, it was XXXX credit they had nothing in their system so i called the number under the credit report same people. they said no we didn't pull your credit we don't pull people 's credit i ask could you call the Trans Union they said no we don't pull people credit, worthless. but i was not rude i said thank you and hung up. XXXX XXXX XXXX XXXX Type of Industry : Bank Address : XXXX XXXX XXXX XXXX MD XXXX Phone Number : ( XXXX ) XXXX An inquiry is a record of someone checking your credit information, and it usually happens when you apply for a new line of credit.

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 2020-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: NM

Complaint narrative:
The bank pushed me around for over a year requesting documents and re requesting the same documents wanting more information to approve a refinance or re modification I have over 15 sources of income being self employed so the fact I did it for a year submitting more then enough documentation proving income and each time they would send it back saying I missed something or whatever and twice I actually hadnt. Due to them delaying it for so long I gave up i felt defeated and now overwhelmed by the years worth of mortgage payments I owed. I never even got a chance to prove I could pay ( I took over my house from tenets that somete renting the property stopped paying all the bills they destroyed the house and left me two months behind. So I never got a chance to just pay a month to prove I could ( they said they dont accept partial payments. Also the price that they are comparing income to is wrong because my premium is significantly lower but they wont adjust until Im all payed up?!?! Lastly I was sold this house which had a XXXX XXXX occur in it and I never knew that when I Bought it that was kept from me. Ill send any documents you want but not sure what it is youd need

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.

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 2020-01-08 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:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: Colony Brands, Inc.
State: WY

Complaint narrative:
I have a balance on my Credit Report from Country Door. I disputed these charges, they state on Credit report Charged Off as bad debt ; Dispute resolved ; reported to grantor. Closed XX/XX/2018. It still remains on my report where it is being marked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am a leaseholder through GM Financial. Throughout the course of the lease, the ability to setup autopay has been unavailable to me through the online portal. Autopay is an advertised feature of the lease, however it is not possible to setup autopay via the " manage my lease '' function on the GM financial website. As a result, I have had to make all payments manually on a monthly basis, resulting in instances when payments have been late and fees incurred. My preference would have been to enroll in autopay, but because of issues with the company 's website this feature has been unavailable to me. When I tried to submit a complaint on this issue, I also found that the function to submit complaints via the online portal also does not work. The unavailability to me of an autopay feature, despite the fact that this was an advertised feature of the lease produce, results in a potential unfair practice under UDAAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Through the months of XX/XX/XXXX through XX/XX/XXXX, a contractor in our home was using a Home Depot credit card stored in a first-floor drawer. He rented a sander, bought tools, and parts for his own use over this time period totaling approximately XXXX dollars. During this time not once did Citibank call me to alert me of erratic consumer behavior based on any of my past years. This contractor thief made about 55 purchases in one 30 day period and was shopping in Home Depot stores far from my home. These purchases also exceeded my credit limit and were further allowed to go through, again without any notification from the cardholder company, I reported these fraudulent charges to Citibank who is the bank Home Depot uses. They told me they would take 90 days to investigate and get back to me. I called XX/XX/XXXX, to get the status on the situation as it was weighing me down over the holidays and I wanted to know if it was cleared up. The representative told me the investigation was concluded and the fraudulent charges had been removed, They also told me I had a credit balance and said they would send a check for that amount. XX/XX/XXXX, I received an envelope from Home Depot assuming it was the refund check, The envelope was not a check but a letter stating that the investigation was complete with a different conclusion and that I was held accountable for the fraudulent purchases. I called Citibank/ Home Depot and spoke with three people on XX/XX/XXXX including XXXX , XXXX, and XXXX. All three representatives verified that the account was deemed Fraudulent XX/XX/XXXX. They were confused about the most recent letter dated XX/XX/XXXX, sent to me. They eventually transferred me to a woman named XXXX who said based on her investigation the account is not fraud-related. I expressed that I did not benefit nor ever give permission for anyone to use my credit card. I have since reported this theft and fraud to the police department and am awaiting a detective 's phonecall and police report to attach to this file. The police report number is XXXX, filed with the XXXX, Connecticut Police Department.

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 2020-01-08 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: CA

Complaint narrative:
Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08 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: CA

Complaint narrative:
Today XX/XX/2020 I discovered an account and many inquiries on my credit report that do not belong to me. I did not have anything to do with this account or inquiries and I did not allow anyone to open this account or make these inquiries in my name using my personal information. I don't know who did this but I already filed a police report ; I did not benefit anything from these inquiries and account nor did I ever made any payments towards this account that was opened in my name. I have never had any written or verbal contract with any of these companies and I did not give them permission to run or access my credit information.

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 2020-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is about the Equifax data breach settlement and how it is being employed. 
My data was stolen during the Equifax breach. Free credit monitoring is supposed to be provided. 
XXXX On the equifax breach settlement site I choose the extended free credit monitoring option. 
XXXX I received an email saying my free credit monitoring by XXXX, which was part of the settlement would end in 5 days. Leaving me with no free credit monitoring. 
XXXX The settlement call center tells me the case will take months to complete and I am on my own as far as buying credit monitoring, even though my claim was received. 
How can Equifax get away with this? They will now make consumers like me pay them, or another agency, to monitor my credit, after they lost it in the first place? They have hurt millions of people for the rest of their lives by their carelessness. Where is the fairness in that?

Company response to consumer: Closed with explanation