vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.

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 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was sent a letter from United Wholesale Mortgage ( mortgage servicer ) stating that after 1 year of servicing my mortgage, they didn't have enough funds in my escrow/impound account and I had to pay an extra {$6100.00} to bring the escrow account up an acceptable " cushion '' level. When my loan was funded in XX/XX/XXXX there was not sufficient funds held for taxes and insurance and a full year later they realized the mistake and asked for {$6100.00} or an extra $ XXXX. When requesting to eliminate the escrow account on XXXX via faxed letter, and handle taxes/insurance on my own, they sent me a denial letter on XX/XX/XXXX. Having to pay an extra {$6100.00} a year after this load funded to cover an escrow cushion has created a financial hardship and they do not care. Shame on United Wholesale Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2021 I intended to make a reservation with XXXX XXXX, XXXX XXXX, NY. Unbeknownst to me the party who answered my call to the number of the Inn I found on XXXX was a third-part agent of XXXX XXXX called XXXX XXXX XXXX XXXX located in XXXX and XXXX, an apparent agent of XXXX XXXX XXXX I gave my Bank of America XXXX XXXX credit card number to " hold '' the reservation. I subsequently cancelled the reservation timely and was given a cancellation number by XXXX XXXX. XXXX XXXX never charged my card because I never registered. Then the charge for the full reserved period, {$1000.00}, appeared on my credit card statement. I challenged the charge but BOA concluded that the " merchants '' policy was to charge my card on the making of the reservation, as opposed to the usual procedure of charging the card only upon registration at the XXXX. BOA did not identify the alleged " merchant ''. I have no knowledge that BOA ever contacted XXXX XXXX, or the identity of the " merchant '' whose Policy BOA is respecting and adhering to. Under these circumstance the charge is obviously fraudulent but BOA continues to adhere to the the " merchant 's '' claim that the charge is valid.

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 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2020 thru online banking, which I have never done, a check was created for {$4600.00} to a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX from Fifth Third bank. This was from my checking account which I have had for 24yrs. I did not do this and do not know this individual. I discovered this XXXX XXXX when I tried to cash a check at a branch. The bank has the endorsed, processed check that posted XX/XX/XXXX. The bank refuses to investigated this fraudulent act because it is over 30 days from time of discovering the act. I have appealed several times and they continue to deny my request stating same reason, more than 30 days passed discovery. I have filed a police report with my local police department # XXXX, also fraud claim reference with bank XXXX and XXXX id XXXX. 
The bank 's refusal to investigate this case of fraud is inexcusable and raises the possibility of someone in the bank system who is involved or they are hiding something. I want my money back and people responsible for this caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: KY

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 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I received a notice from Online Information Services XXXX Inc. regrading an attempt to collect a debt in the amount of {$150.00}. I have never lived at the address of record that the electric service was billed for in XX/XX/2020. I contacted OIS and they instructed me to file a complaint here, file a police report, and then send an email to reliant with a fraud affidavit and police report attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent letters to each XXXX, Experian, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.

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 2021-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: NC

Complaint narrative:
An unknown collection was added to my XXXX  credit report. I called the debt holder " collection bureau of Fort Walton beach '' and requested verification of the debt. I was told that information would be shared with me. After several weeks of no response, I reached out again. I was told that the information would be shared with me. Again several weeks of waiting with no response. After a third attempt and threatening a law suit, a simple word document was sent to me with hardly any information on it. Simply my name, my birth date and a cost. Even with such little information provided, there were inaccuracies. Specifically my birthday. This is clearly not my debt and has been disputed with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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 — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

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 2021-10-18 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 — Was not notified of investigation status or results
Company: Garcadia Financial LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I faxed XXXX a copy all my identifying information along with an FTC report. Explain I did not consent not authorize nor benefit from any of the following inquires or accounts. I am alleging that a person or company- without my authorization or consent - used my personal identifying information to apply for good, services, or money, and, was successful in creating some accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
Trying to sell some of my real estate that has a loan through Caliber Home Loans. Title Co. has found an issue with the legal on the open mortgage. needing to get legal description issue resolved so i can sell a portion of the property. Myself and Title company have sent the needed information to clear up the issue but lender has not fixed issue in 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XX/XX/2021 my laptop froze and I called a XXXX got impression it was agent with XXXX. ( XXXX  ) I was told my social security number was compromised. I never asked any questions, not smart. Agent connected me to Ms XXXX XXXX who said she work at America First Credit Union fraud prevention XXXX, UT. Each time we talk I had a reference number. XXXX also connected me to Social Security Admin. Officer XXXX XXXX XXXX badgeXXXX. ( XXXX ). I was told I had to change my ss # using form XXXX XXXX  XXXX. To safe guard my money I was advised to write 11 times large amounts of money. I had a router number, account number, XXXX XXXX in NY. And XXXX XXXX, XXXX from XXXX XXXX was beneficiary. About XX/XX/XXXX XXXX went dark, phone number was no loner working. A police report was made, IC3 was filed, fraud with FTC was filed and all 3 credit bureaus I freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
I received a collection notice from Windham Professionals that I owed XXXX insurance company {$300.00}. This seemed off to me as I knew I had paid my homeowners insurance in full in XXXX. The woman on the phone insisted that XXXX put me on a covid payment plan ( they didn't and I didn't require it ). I said this has to be wrong- do you have XXXX ' number? She then gave me their number which was XXXX. When I called that number it was an automated system to buy offers for insurance, roadside assistance, etc. and never once said XXXX. 

I then located XXXX ' real number and was told what I already knew - there is no balance owed and I was paid in full and this was never sent to a collection agency. 

I called back Windham Professionals and asked if this was a scam. They insisted it wasn't. I then brought up the phony number for XXXX. Suddenly she then says she sees my conversation with XXXX in her system and would close out the amount owed. 

I then did some research online and found all of this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also their XXXX employee profiles are mostly empty/seem fake.

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 2021-10-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
This morning I got an alert from XXXX credit monitoring stating I got a new Hard Inquiry on my report from Capital One. I know I did not apply for Capital One so that's what made me look into my credit report. I also noticed a few others that is on my Hard Inquires. I called & spoke with all 3 bureaus to dispute, all three is on it. It's not only fraudulent but can it be removed as well? Please advise, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection XXXX XXXX. This account is already closed. This is in violation of FDCPA Section 805 ( a ) ( 3 ). Prior to submitting this complaint, I have sent over 3 letters to the Buraus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has 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 is the list of the erroneous inquiry reporting on my Credit Report : XXXX-Date of Inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In response to a widely publicized promotion, I opened a checking account at CitiBank on XX/XX/XXXX. In accordance with the rules of their promotion, they pulled a little over {$50000.00} from two of my other financial accounts. In return, they were to pay me a bonus of {$700.00} after the money had been on deposit with CitiBank for 60 days. 


On XX/XX/XXXX, they sent me a letter saying they were closing the account, but gave no explanation. When I called on XX/XX/XXXX, they still had no explanation, but said they would be returning the money to the accounts they pulled them from within a few days. When I called them early today, they acknowledged they were still holding my money for no particular reason, but they said they would send me a check by snail mail in about two weeks. 


At this point, I feel I have been defrauded. They snookered me into depositing a lot of money in return for a bonus they now don't want to pay. They had no reason to close the account, and now they refuse to return my money. I don't want them to send me a check, because I don't want to take the chance of it getting lost in the mail, which would cause a whole new set of problems. Why can't they just return the money to the accounts they pulled it from, just like they told me they would? 


Finally, I was shocked when I looked at your database to see how many similar complaints have been filed against CitiBank. This caused me to dig a little deeper, and it turns out the internet is littered with complaints about CitiBank burning customer like this. Here are some : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX In fact, the XXXX XXXX XXXX wrote an article ( XXXX XXXX XXXX ) about CitiBank screwing customers over like this going back to XXXX. 


And the XXXX XXXX XXXX now reports they have received so many complaints about CitiBank, they cant publish them all ( XXXX XXXX XXXX ). 


CitiBank 's misconduct has been so longstanding and so egregious that it is now time ( or past time ) for the CFPB to take strong and effective enforcement action to stop their continued abuse of helpless and innocent consumers.

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