vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am very concerned to find that your bank XXXX XXXX has pulled all three of my credit reports Experian XXXX XXXX XXXX and I have absolutely no idea why you did that I havent done any business with your bank I did not give you permission to pull hard reports I didnt get information to pull any report so why on XX/XX/XXXX it looks like did you pull all three of my credit reports for no apparent reason?

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 2021-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 alliance debt collection agency called me and multiple members of my family stating there was a pending court case against my wife leaving voicemails about people coming to our house to find my wife

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PA

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

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 2021-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been disputing since last XXXX with them and they have failed to follow the FCRA requirements. I don't understand why it is so hard to report accurate information and when they send a reply back they " update '' one thing to make it look like a human is actually reading these letters and they cant be because if they were they would have seen how inaccurate and incomplete this account is. I have attached proof of the review of their investigation as you can see there are still inaccurate things being reported and after 8 months of disputing and them failing to do their job per the FCRA its time for this 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 2021-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
My account at Bank of America / Merrill Lynch will not allow for trading of XXXX and XXXX stock. By only allowing selling of the securities they are purposely driving down the price and manipulating the market.

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 2021-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: IL

Complaint narrative:
Hello, We are calling about multiple issues where we have been unable to get resolved from Amerihome. I have asked for a supervisor to return a call and this has not occured. I will list each issue below. ( Today, XX/XX/XXXX, I I spoke to XXXX in Customer Service XXXX 1. Amerihome agreed to participate and accept a payment on the behalf of the State of Illinois for a past due balance on the account. One of the provisions to accepting the payment, Amerihome was to waive all late fees on the account. This amount was {$470.00}, As of XX/XX/XXXX, these fees have not been waived and according to a representative they will not waive the fees. 

2. I mailed a payment which was sent priority, Amerihome received the payment on XX/XX/XXXX. Tracking number XXXX XXXX XXXX XXXX XXXX XXXX. This payment was to take care of mortgage payments XXXX XXXX. On XX/XX/XXXX, I was told the payment would post on XX/XX/XXXX, and as of today XX/XX/XXXX, I was told Amerihome has not received the payment. 

3. Lastly, after receiving a letter that there was a amount that was a surplus in our account, Amerihome would retain that amount because the account was delinquent. Since, the mortgage has been paid up until XXXX, and I asked for an escrow analysis. The representative informed the escrow analysis would not be done until XXXX. So, the excess monies that are held will not be released until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I send in my payments way ahead of their due date. The last payment was sent on XX/XX/XXXX for XXXX 's payment due XX/XX/XXXX. The check has still not posted. The mortgage company prefers to have automatic payments and have told me so. So they sit on the check as long as possible to try to get me to do automatic payments instead. They're always blaming the post office. But other payments to other companies sent on the same day only take a two to three days to post. The issues cause me panic and anxiety and are not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
We have a CITI Double Cash credit card and prevented from obtaining Cash Rewards earned. We access information at CITI website and learned 1-we have {$33.00} in cash rewards but unable to access or use cash rewards earned and 2-noticed a bogus charge of {$10.00} from unrecognized vendor but, again. no practical way to contact CITI. Have tried to phone numbers from CITI website, XXXX and then tried XXXX. Neither responsive to problems above, i.e., cash rewards of {$33.00} nor bogus debit on our account {$10.00} charged by unrecognized vendor. Cards issued to XXXX and to XXXX XXXX both ending in XXXX. Back of cards : " World Elite '' and Mastercard. 
XX/XX/2021 email : 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 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union has made the decision on behalf of their members to opt them in to their premium checking which requires a {$1500.00} balance to be maintained, direct deposit and 20-30 debit/credit transactions per month or be charged $ XXXXmonth. This should have been an opt in option. Its also sneaky and underhanded. I havent received an email notification, I only found out about it through a news article and then found it on XXXX. This is unethical, I would expect this from a bank, not a credit union. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PA

Complaint narrative:
On XX/XX/2021, I wrote to you requesting an investigation into items that I believed were ( CHOOSE : INNACCURATE, OUTDATED OR OBSOLETE ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my ( SECOND, THIRD, FOURTH, ETC ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XX/XX/XXXXand XX/XX/XXXX CRA. On XX/XX/2020, I mailed Equifax, XX/XX/XXXXand XX/XX/XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
1. The lender or lender representative tried to gain access to the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were in an intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered. 
3. The lender is trying to circumvent the legal system, by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First has displayed an appalling disregard for the best interest of their customers by forcing checking account customers to upgrade to a " Premium Checking Account '' that charges a monthly fee unless you can maintain 3 different tasks ( 20 purchases a month, minimum {$500.00} direct deposit a month, and minimum average daily balance {$1500.00} a month ) that I personally wouldn't be able to meet any of. I looked through the email they sent me and then checked out their website too but no where does it say you have a choice to opt out. They're being deliberately deceptive, hoping customers will accept the fee and move on. I also feel a move like this is an act against those who are less advantaged - the average American can't keep a daily balance of XX/XX/XXXX, and many of America First 's customers get paid in cash only so direct deposit isn't even an option. Those customers don't have as much time to speak with someone or even look into their options, so they're effectively being strong armed into spending money that they already don't have enough of because they're not privileged enough to figure out how to not be victimized by America First. It's also offensive that many of their listed " benefits '' are literally less than standard bank " benefits '' XXXX no low balance fee? Unlimited monthly transactions? Really that's the best you could do? This is my cash, you have no right to stop me from using it XXXX. 

America First has every right to make the premium checking account an OPTION. To convert their customers against their will is immoral, corrupt, unfair, and in some cases abusive. I feel for those who don't learn that there's another option. I myself was feeling quite trapped because I have my auto loan and a credit card as well and you CAN'T pay either of those unless you have a checking or savings account. I thought I was going to have to close my credit card ( affecting my credit ) and refinance my auto loan if I wanted to avoid paying that {$6.00} fee each month. It also made me view that fee as a mandatory fee for paying my auto loan or credit card, which I'm pretty sure is illegal to give no free payment options. 

Until this I've actually been pretty happy with America First. I gladly used them instead of XXXX or XXXX XXXX until I found XXXX Checking and savings which get me a lot more money and benefits. I had a financial hardship with one of my auto loans years ago and they took great care of me which made me want to forever get my loan through them. That went away with this egregious behavior and I'll be looking much closer at other options next time I need an auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! This needs to be resolved in 7 days.

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 2021-01-28 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: TN

Complaint narrative:
On XX/XX/2020 I mailed a letter requesting an investigation of inaccurate accounts on my credit report. It has been 60 days and I still haven't received any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In XXXX I submitted the following claim : I experienced an extremely poor customer service from Citizens Bank. First, I had troubles setting up an auto draft payment at all. I called several times ahead the payment due date to make sure it is confirmed and I was told over the phone that it was, but then two days ahead of payment I received a letter it was cancelled ( even though I got a verbal confirmation that I'm all set ). Second, I was finally able to set up an auto draft for my mortgage in the amount of {$3900.00} that covers my monthly payments and set the payment date for XXXX. The payment came through yesterday, but then I saw that Citizens Mortgage also charged me another amount of {$2600.00}. I called today both Citizens Checking and Citizens Mortgage and no one was able to explain neither who authorized this payment nor where it went to. My mortgage was in fact adjusted for {$3900.00} but not for {$2600.00} I'm attaching snapshots from Citizens Bank Deposit account where you can see two charges withdrawn by Citizens Mortgage and a snapshot from Citizens Mortgage where you can see that only the payment of {$3900.00} was account for. 

The company responded to CFPB but has not resolved the issue. 

Citizens mortgage has again withdrawn money from my account without permission for unidentified amount of - {$2600.00}. 
I request the refund immediately. 

Let me also project what's going to happen over the next couple of days. I had set aside amount of money for my actual mortgage payment which is XXXX, but now ( because of the unauthorized withdrawal ) there is not enough money on my account. How will my XX/XX/XXXX mortgage payment be covered? 

Also, my questions were not answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource Management , LLC. is falsifying dates of acquired debt. Received correspondence since XX/XX/XXXX. The creditor is stating that they never had the debt until XX/XX/XXXX. They are falsifying dates and claiming that another creditor bought the account from them and they then purchased it back from another collection agency. There is only letters coming from them throughout XXXX. They refuse to correct the date they acquired the debt. They are not representing the debt accurately. It posted to credit Bureaus as a new debt in XXXX of XXXX due to disputes that are being made. The equipment was returned to XXXX XXXX XXXX so the debt amount is incorrect. The collection agency is playing the date game so they can hold on to the debt longer. I offered a payoff amount as well which is more accurate to the total owed and they refuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28 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: Aqua Finance, Inc.
State: FL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AQUA FINANCE Inquiry : XXXX. XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: PNC Bank N.A.
State: FL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2020, XXXX XXXX, 2020, PNC BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2020, XXXX XXXX, 2020, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America First Credit union has decided to automatically convert our accounts to premium with a {$6.00} fee, without our say. The only way I found out was by a news report on XXXX. I have yet to receive a letter to notify me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28 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: CITIBANK, N.A.
State: FL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CBNA Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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