vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 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: NJ

Complaint narrative:
I, XXXX XXXX have received a hard inquiry after applying for a credit card with XXXX XXXX Bank on XX/XX/2021. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry 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 explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was a victim of Transunions inquiry issue and they are refusing to remove the inquires they removed and replaced back onto my report. By law I was supposed to receive a 5 day writ and that never happened. 

Below are the inaccurate inquires : 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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: OR

Complaint narrative:
Can not verify payment was received & applied. 

Caliber Home Loans closed access to their payment portal from XX/XX/XXXX to XX/XX/XXXX for maintenance. As my payment was due XXXX, I set up an ACH transfer early ; i.e. for XX/XX/XXXX. It is now XXXX & it site is still not working & I have not received any confirmation of payment. I can log into the site, but it requires me to " Link my loan ''. When I enter the required information it just keeps prompting for the info I just entered.

Calling Customer Support involves a labyrinth of automated menus before finally being told to wait for the next representative. After 20 minutes of listing to " Your call is important to us, please stay on the line '' every 15 seconds .... a form of torture, designed to make people hang up, I did.

Caliber is totally neglecting it Consumer Report responsibilities. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
Our mortgage, which was initially through XXXX XXXX  XXXX, has been in an approved Covid forbearance for several months, and we had agreed to a partial claim on the property allowing us to tack the past amount owed onto the end of the loan, in plans of resuming our regular monthly payments starting in XX/XX/2021. This was all documented and approved by XXXX XXXX. However, beginning on XX/XX/2021, the loan was transferred to BSI financial services without our knowledge. When I attempted to call XXXX XXXX  to make my payment, I was informed that our balance was XXXX and I would need to contact BSI. In doing so, BSI informed me that they were unable to take a payment from me at that time and that I would need to wait until all documentation was received by them before we could move forward with payments. They also requested a self authorization letter from us to allow them to speak to me regarding the account, which was sent to them via email. Since then, we have been informed that they have no knowledge of the forbearance or partial claim which was approved by XXXX XXXX  XXXX. We have also received a certified letter stating that we are in default to BSI for the amount of almost {$17000.00}. I have a maid multiple phone calls per week over the course of this month to both companies trying to correct this error. XXXX XXXX  has assured me all of the documentation has been sent and everything was approved prior to the transfer. BSI insists they do not have any documentation entailing these arrangements. We are now in danger of foreclosure on our property if we do not correct this matter. I have left several messages with my point of contact at BSI, with no return phone call. XXXX XXXX loss mitigation department has even attempted to contact them on my behalf multiple times. I am at a loss of how to correct this matter and avoid foreclosure activity on our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
We make many online payments through XXXX XXXX, XXXX online bill pay web site. 
XX/XX/2021 : Made online pay bill of {$15000.00}, to be delivered by XX/XX/2021, XXXX # XXXX ( bill was high due to medical/dental fees ( {$10000.00} ) and propane gas for the winter, {$3300.00} ) XX/XX/2021 : Received an email XX/XX/XXXX notifying us a check was mailed on XX/XX/2021, did not think it would get there in time to avoid a late payment charge. Quickly checked to see if an XXXX pay bill would be delivered by next day. Paid {$500.00} more XX/XX/2021, XXXX # XXXX XX/XX/2021, Checked XXXX web site, {$500.00} received. Phew no late charge. 
XXXX : Spoke to the following at XXXX Bank XXXX XXXX ). Had not received the check as of XX/XX/XXXX. 
XXXX # XXXX, XXXX ( supervisor ), XXXX XXXX ( Department Manager ), XXXX ( Operations Manager ), XXXX not get her position, nor get last names for most of the conversations. Asked if there is consideration for a customer who has always paid on time and in full. ( Always! ) No consideration. Result : they would not back date the check which came in late XX/XX/XXXX, payment was due XX/XX/XXXX. They said that it is XXXX Banks fault. Therefore, the finance/interest charge was {$200.00}. 
XXXX XXXX Called XXXX Bank XXXX XXXX with XXXX, who said she was the XXXX, said XXXX XXXX Bank XXXX XXXX the check which was dated XX/XX/2021. See above with the results of those calls. 
XXXX XXXX called and visited XX/XX/XXXX Bank XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, MA. 
Left messages and was told there is a new manager. 
XX/XX/2021 : Met with XXXX XXXX. He would call XXXX and other XX/XX/XXXX Managers? Will let us know. Never called back. 
XX/XX/2021 : Called bank, XXXX was with a customer, will get backnever did. 
XX/XX/2021 : Visited branch, met with XXXX XXXX, he had no help for us. Informed him that we will be contacting the XXXX of Massachusetts XXXX of Banks. 
Received A letter from XXXX Bank XXXX XXXX that they sent a " good faith letter '' to XXXX XXXX Bank. 
No results as of XX/XX/2021 Since XXXX Bank, NA is not located in Massachusetts, XXXX XXXX XXXX XXXX said to submit complaint through CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
In the last week of XX/XX/2021 ( XX/XX/2021 ), I tried to pay with my CareCredit card for a dental service given to my wife. The practice could not charge my card. They said that my card was not active. A few hours later, I called CareCredit at XXXX to find out what the problem was. I spoke with XXXX who told me that the card was closed for lak of activity. Hence, I applied for credit with CareCredit in their website, www.carecredit.com. The web site gave me a mssage saying that there was a problem and that I had to wait 7-`0 days for a letter from them. On XX/XX/2021, I received an email saying that my request was denied for the following reason : " High risk soure of application ''. I checked my credit report and score. I have a high credit score so I did not undertand what the probem was. Hence, on XX/XX/2021, I called CareCredit again. A lady told me that she did not know how CareCredit makes those determinations, and that it could even be a probem with the ip address of the computers, that something did not match. She recommended to either apply online again or send a letter to Synchrony bank. I want to avoid further problems and denials so I decided to get in touch with you. I would appreciate any help that you could provide. 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 2021-11-03 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: IL

Complaint narrative:
It has been 30days and I have not received a response from credit bureau about items I have reported that are not mine please remove items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland creditors appeared on my transunion report stating I opened an account XX/XX/20 in the smoking of XXXX. I have no knowledge of this account it does not belong to me I would like to see some paper work with my signature and proof the creditor has legal obligations to collect debt. My email address is XXXX My mailing address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX Illinois XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
Im a victim of identity theft. All the criminal charges that are appearing on my consumer report are fraudulent and dont belong to me. I dont recognize them nor did I authorize them. I ask that you follow the guidelines of the FCRA Section 605B and please delete and blocked all fraudulent information from consumer file. Attached is a copy of my Ftc, Police Report, section 605B of the FCRA and a copy of my Drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: NY

Complaint narrative:
Lending Club is apparently a scam. They have stolen {$65000.00} and can not even be contacted. We opened a XXXX checking account with Lending Club after seeing their advertisement online. We were enticed by their range of features they purported to offer, and ease of use, including their online access and mobile application. We opened an account and funded it with {$100.00} deposited from an existing personal checking account. Our account is under the following XXXX name : XXXX XXXX XXXX XXXX We then ordered checks through Lending Club customer service and received them recently as well. We had an upcoming transfer from our merchant processing, which we linked to this new business checking account. We reached out to customer service and let them know the transfer was going to be incoming soon, and wanted to make sure it would be received without any issues. The customer service confirmed there would be no issues, and that we could receive the transfer. On or about XX/XX/XXXX, we received a {$65000.00} deposited into our account. I wanted to move {$25000.00} of the balance to my personal account. I initiated a wire transfer online through Lending Club 's online wire transfer feature. The account is under my exact name, and my home address. I was then emailed several hours later being told the wire was canceled and I would need to provide Lending Club with additional information about my account and photo identification via email. I immediately replied submitting the information. No phone number was provided for any assistance either. I received no response from Lending Club via email. Today ( XX/XX/XXXX ) I was blocked from logging into my Lending Club account as well. All of our information is accurate and was provided to Lending Club as requested. The wire transfer was to my personal account under the same exact information shown on my State identification documents, and is a residential home under my name as well. There is no reason that Lending Club should be able to steal our money like this without any recourse and for no valid reason. These online financial companies now use the " suspicious activity '' excuse to freeze funds at will in an apparent attempt to raise their own profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
We have been contacting XXXX XXXX for over a year about cancelling our contract with them. They used very deceptive tactics and the terms described to us in our contract with them havent been met. To add salt to the wound, they have sent our account to Meridian Collections. We never agreed to work with a collection agency and didnt know this was a possibility. This has severely impacted our credit and led to personal issues. We do not have the funds to pay XXXX or XXXX. My wife and I have had our hours reduced at work, so our income is a fraction of what it once was. This ordeal has led to us splitting, so were also managing our own household bills now. 

Meridian needs to cease their collection efforts and XXXX needs to cancel this horrid contract.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Started a dispute with Equifax concerning some inquiries that I never authorized on XX/XX/2021. Confirmation # XXXX Equifax did not investigate these unauthorized inquiries instead they completed the investigation the same day XX/XX/2021 stating the inquiries are factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Automated Collection Services, Inc.
State: LA

Complaint narrative:
I am a natural person and was contacted by a third party collections agency by mail and phone about a debt .Pursuit to 15 usc 1692a, they are not suppose to contact me about a debt they assume I owe. I am including a copy of what was sent from me first and a response from them with a cease and desist. They have violated numerous laws within the exhibits. The caused me stress with contacting me while I'm at work and contacted my wife as to which I don't know how they got her contact info. The original creditor have breeched my confidential information such as my social security number to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Earlier this year I contacted a breeder to purchase a puppy. I made the initial purchase transaction on XX/XX/2021 for the amount of {$1000.00} ( Transaction ID is XXXX ; ORG ID : XXXX ). I was told the puppy would be delivered to me in the next couple of days. A couple days later, I was contacted by the transport company and told I needed to pay {$1400.00} for permits and shipping but that the funds would be returned in full to me upon arrival of my puppy. I paid the {$1400.00} on XX/XX/2021 ( Transaction ID XXXX ; ORG ID : XXXX ). After a couple days of not hearing much, I reached out to the breeder and transport company to see what was going on. I was told that I needed to make one more payment for a permit to make sure my puppy arrived to me safely. I paid another {$1000.00} on XX/XX/2021 ( Transaction ID XXXX ; XXXX  ID : XXXX ). Shortly after making the transfer, I realized I was a victim of fraud and this was a scam. I immediately called my bank and requested them to stop the {$1000.00} transfer as it was still pending. I was told they would stop it immediately and the funds would not leave my account. A day later I checked, and the funds were gone. I have reached out to the company ( scammer ), to XXXX, and the my bank to resolve this matter. I have not been able to get in touch with the scammer, XXXX has blocked them on the platform so I can't contact them that way, XXXX has been unresponsive, and Citibank has been unhelpful. They promised to stop the funds from leaving my account and did not keep their promise. I have done everything I can to resolve this but they have also not helped me recoup the funds. I opened a case with the bank and was told they can't help me but that I can appeal and send a letter with supporting documents to dispute it. I sent the letter and documents twice and never heard back. When I called, they told me that for this type of case a dispute letter and documents are not used or allowed. I have spent hours with my bank and have been given so much differing information and no resolution. I have even tried escalating the case the the highest levels at the bank with little response. I unfortunately was scammed and a victim of fraud and have spent a ton of time trying to make this right. My bank has offered little help or response and I am hoping for resolution. I at least expect the {$1000.00} XXXX sent on XX/XX/XXXX to be returned since I was told the bank would stop the transaction. I am extremely disappointed and frustrated. The bank has done nothing to protect me or track down the scammer. I expect my bank to resolve this matter for me and return my funds.

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 2021-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: AZ

Complaint narrative:
I have been trying to end my COVID-19 Forbearance and have my missed payments deferred and loan brought current since XX/XX/XXXX. First with the previous servicer and now with my current servicer as the account was service transferred XXXX XXXX. I called Gregory funding numerous times to get the status and to confirm I am seeking the end of the program and need the deferral completed. Turns out they had me waiting for months in a back log to reapply for a new Forbearance when I could not have been more clear in all my calls. I finally speak to XXXX in their loss mitigation department who confirms they were waiting on a questionnaire from me to submit for forbearance. I explain again I am not waiting for a new or extension to be done. He says he will submit that now but will take 2 months. I asked for this to be expedited due to their error in having me already wait several months for the wrong thing. This needs to be completed now. Also, after being told I was in protection for all this time I am now being charged late fees for XX/XX/XXXX and XX/XX/XXXX. I am suffering financial impact due to this events and demand satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: NJ

Complaint narrative:
Being harassed by phone.. reporting fraudulent data on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contact Equifax multiple times with certified mailing regarding this matter. I have submitted documentation on why these accounts needed to be investigated and deleted from my consumer report. They have failed to removed these items even after they have mailed me a report stating the items would be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Based on the Consumer Protection Subchapter III - Credit Reporting Agencies Sec. 1681a - Definitions of Rules and Construction. Upon further review of the law, ( 2 ) Exclusions ( A ) ( i ) a " consumer report '' does not include any information solely as to transactions or experiences between the consumer and the person making the report. As a result, my rights have been violated under the Fair Credit Reporting Act. 

At this time, XXXX, TransUnion, and XXXX are reporting transactions and experiences that are in direct violation of the aforementioned 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