vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — Store credit 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: CO

Complaint narrative:
My complaint is with Citibank/Home Depot credit card services . I am currently making XXXX XXXX payments on a XXXX month promotional balance that is due to expire on XX/XX/year> in the amount of {$7800.00}. 

When you have a promotional ( deferred ) balance with Home Depot, you are allowed to allocate how payments are distributed to current, revolving and promotional purchases made. If your promotional balance is not paid before the expiration date, you will be charged interest. This is something that I continuedly tried to avoid and I tried being very cautious in staying within the term promotional balance agreement. However, in recent months, I've noticed that my past and current payments have not being properly allocated to my balances even though I selected the allocation option in my account. When I noticed that payments were not properly applied I immediately called Home Depot Credit Card Services to speak to a live agent regarding this situation. I explained to numerous customer services agents and allocation XXXX that I've been making regular payments towards all my past and current promotional balances so why am I still been charged hundreds of dollars in interest after making XXXX XXXX payments? Every single person failed to explain that all my payments were not being properly allocated on my past promotional balances and continued to ensure me that the problem was fixed. 


After countless calls week after week explaining this situation and trying to get a resolution, I would always get an apology ensuring that this option has been properly applied to my payments and balances and that everything is fixed on my account. However, I am still being charged interest on previous expired balances on top of what I currently owe. My last call was made on XX/XX/year> and I was told again that my payment allocation it is fixed and that there is nothing that can be done to correct the interest that I have been charged.

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 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Since XX/XX/year>, I have been calling and trying to facilitate release of my property taxes payment from my escrow account. The mortgage company ( PHH mortgage ) has refused to pay the amount owed. XXXX XXXX has now issued a lien on my residence. The original amount owed was {$2800.00} and I have incurred fees, penalties and interest on the amount owed. I initially offered resolutions that I would pay the amount myself and they could reimburse me, void my mortgage payments and allow them to credit the account with the escrow balance or they can send me a check in the amount, and I can physically make the payment in person. All these efforts were declined. I have been patient but Im unable to rest and having XXXX XXXX from worrying that I may lose my home. My mortgage has been up to date and current. I am unable to seek to someone at cooperate. Level. Representatives are not English speaking and they do not understand the American homeowner process. XXXX  months has gone by, and I continue to get the run around. 


Reimbursement for all additional penalties, interest, and fees. Credit to the mortgage account equal to XXXX  months payment, voluntary transfer of the account to another reputable mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a XXXX yr CD that I've been trying to close with Citibank since XX/XX/XXXX. They claim that the account can't be closed because it is used as security for a loan. I am not aware of any outstanding loan nor do they see any loan in their system. They sent my case to the legal department XXXX weeks ago and still haven't provided an answer. I been in the bank at least XXXX times and have spoken with the branch manager who's name is XXXX XXXX. 

The XXXX yr Cd was renewed in XX/XX/XXXX. I understand that I will be penalized for canceling the CD mid term. The penalty amount is approximately {$93.00}. I also requested that the penalty be reduced since through not fault of my own I did not have access to those funds to invest them as I pleased.

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
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. Despite my initial inquiry and request for investigation, the unauthorized inquiries are still present on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I noticed that I kept having two interest charges on my statements each month. The first was " STANDARD PUR '' and the second was " PUR PR XXXX. '' I couldn't find any of what this meant in the glossary on their website, so I reached out to them. I was told that this was an interest for " amount unpaid for the purchases prior to XX/XX/XXXX. The unpaid amount is {$2300.00}. '' I pay more than the minimum each month, and have paid more than that amount in XXXX alone. I was then told that " The minimum payment is first applied to any interest charges, late fees, and past due amounts ( if applicable ). The remaining portion of your minimum due will be applied to the balance with the lowest interest rate. Any amount paid over the minimum due, will be applied to the balance with the highest interest rate to lower interest rate however it will be applied to billed transaction before unbilled. If you have more than one balance at the same promotional interest rate, and no other balances at a higher interest rate, the payment is then applied to the promotional offer that expires first. '' I read this a few times and I'm still yet to understand why my payments aren't being applied to the oldest charges. I confirmed that my current purchase APR has a variable rate of ( XXXX 8.5 % ) + 11.99 % totaling 20.49 %, and that my purchases prior to XX/XX/XXXX have the exact same. I have requested all of my statements to see how much I need credited back to my account, but it takes 48 hours for them to pull this information. There was also no way to save the transcript between me and the rep of the company. To reiterate, I am not asking on charges on standard purchases, but why I'm STILL paying INTEREST on charges from over a year ago when I've paid much more than that balance even just in 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Hello I am a current member of Chime banking I had a problem with money being taken out of my account that I myself did not use this money was saved up for something personal for myself the money that was taken out was almost XXXX dollars being taken out each day for a site that I had no use of neither any knowledge about. I gave Chime bank a phone call to dispute this unauthorized transaction.. I was informed a day later which isnt supposed to happen that no evidence was found and the transaction wasnt fraud. It took them only ONE day to resolve this when in reality it should be up to 90 days or at least be able to be processed and resolved giving me more details on whats going on with my money.. I made 2 dispute cases asking about the same issue I had with my money and still being denied by them for almost XXXX which should be insured by Chime Banking. I recently got off the phone with them mentioning this again where I had to tell them open up the case again and help me since I did not make these purchases I was even misgendered during this process which felt like an insult.. I asked to speak with a supervisor and he wasnt able to help out neither I kept getting told the same thing repeatedly saying a case is being open and further investigated which is not true since this been happening since the beginning of XXXX its almost XXXX and I still didnt get a response back my money should be insured by them or better yet a credit for a better understanding of knowing my dispute is being taken serious. I will no longer use chime if my money is not transferred back into my account and will take serious action please be mindful of where you bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXXroCollect has been attempting to collect on an account that I do not owe, and has also been reporting such collection account on my personal credit report. This has only come to my attention ( following a conversation with them last year ) after attempting to secure new housing with another apartment complex and being denied due to the errant credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Credit Report Account Name : XXXX XXXX Account Number : XXXX Account Type : Collection Account Balance : {$1000.00} This account does not belong to me and I am requesting immediately removal. I also included a copy of my FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I closed out an account with XXXX and apparently final payment was returned. I was never given notice of this. Once this debt was given to a collection agency ( Credit Control ) I never once received a notification as they had the wrong address and telephone number on file. Credit Control received my file in XXXX of XXXX for the account that was closed out in XXXX. They did not report until after I had applied for a mortgage and we were never notified of their intent to report. XXXX also refused to produce any documentation due to the age of the file even though I only just learned about it a few days prior to me calling in. My mortgage lender was the only reason I knew this debt existed, and I believe the practices are unfair in that they reported this debt as my phone number and address were both incorrect and they were unable to provide any support of the final bill being reversed.

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 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.c 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following tems of information any other adverse tem of information, other tan records of convictions of crimes which antedates the report by more tan seven years. 15 U.SC 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate delete the accounts below 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 non-monetary relief
Consumer complaint received 2024-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, Re : XXXX XXXX XXXX XXXX Account # XXXX This letter is formal notice that you have failed to respond to my dispute letter XXXX. I sent this letter certified mail and have enclosed a copy of the return receipt which says you received it. 
Federal law requires you to respond within XXXX  days. It has now been over that period since your receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I have been maintaining detailed records of all my correspondence with you.

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.

The following information therefore needs to be DELETED from the report as soon as possible : XXXX XXXX XXXX XXXX Account # XXXX Please delete this erroneous item from my credit report as soon as possible. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

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 2024-04-22 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
I am writing to follow up on my previous dispute regarding unauthorized inquiries on my credit report. Despite my initial inquiry and request for investigation, the unauthorized inquiries are still present on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2024 my account was restricted abruptly for no reason, but chase claim fraudulent activity, I ask what fraudulent activity was seen for them to close the account they did not have a answer, upon the. Restricting my account I can not withdraw my funds or anything, they didnt even give me time to set up other financial institutions to receive my direct deposit that is due to come in 7 days, I have bills thats due in 7 days in they telling me I have to wait until they fully close the account and mail me a cashier check, all this with no reason as to why my account is being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I called Fay Servicing and spoke to XXXX a manger in their customer service department, to resolve a dispute regarding late charges of {$1300.00} on my loan. I have been on ACH for a few years, having my payment come out on the XXXX of the month. A payment in XX/XX/XXXX, was returned however we never got notice of it in the mail and definitely NOT on online since we enrolled in their paperless notifications. I have attached a screenshot of the online documents they sent to me and nothing was sent to remind us of the late payment, nor that we were past due, nor did we get a call from their collection department team to inform us of this matter. I informed XXXX this and she stated they tried calling me. We have checked the phone records and didn't get a call from Faye and since this was a robo call, we also checked for repeat calls from a unnamed number for the last few months and found there was none. I informed her that we did not get notice since they have defaulted my notices to paperless and XXXX would not do anything to assist. She did waive one late fee per their policy but the issue would have been resolved, if we would have been notified of late fee, let alone charged for many months of late fees would not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I purchased a vehicle in XX/XX/XXXX, which was financed with TD auto finance. The vehicle was towed to XXXXXXXX XXXX  in XXXX XXXX, Florida on XX/XX/XXXX. The bank was made aware of the vehicles location at the time and was instructed to retrieve the vehicle for repossession from that location. As of today, the XXXX XXXX reported that the vehicle was sold at auction due to not being picked up within the appropriate amount of time and was free all lienholders including TD auto finance. And now, when I contact the bank, they are continuously reporting the full balance of the loan due to them, not retrieving the truck and selling it, and I have disputed on my credit to have it removed and deleted As it is inaccurate and incorrect, and the account should no longer be reported due to the situation with the truck TD will not respond to my request for a XXXX or my request to delete it and say that the information is valid. The XXXX XXXX that provided this information can be contacted at XXXX. 

Tag number to provide XXXX is Massachusetts XXXX vin ending XXXX. 

This account is reporting incorrect information. They did not follow the law in regard to actually retrieving the vehicle and selling it at auction and are now trying to collect the amount of debt in full. 

TD auto finances no longer the lienholder on the vehicle and has not been since XX/XX/XXXX They continue to try to collect the full amount of of the loan as well as the vehicle by showing up At my residence.

Company response to consumer: Closed with explanation