vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-19 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: GA

Complaint narrative:
On XX/XX/2021. I sent a letter regarding in accurate and unknow things on my credit report. It has been over 45 days and I have not received any replies. I believe that my disputes are being ignored. Section 611 ( a ) clearly states, that failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. Like I stated. It has been over 45 days so they should be deleted promptly. I am demanding that these accounts be deleted immediately or I will file for litigation do to the problems that this is causing me. Also my information has been impacted by the XXXX  Data Breach and my have fallen into the wrong hands.

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 2021-02-19 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my Equifax report on XX/XX/XXXX without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX XXXX Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with XXXX XXXX Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand.

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I applied for Covid 19 payment relief last year. Wells Fargo assisted with that. However, after coming out of forbearance, Wells Fargo explains that there are two options : repay the debt OR they will move the payments to the end of the loan. No where in that explanation on their website or during the conversations does it say they are going to place a second lien on my home. I will say that I signed paperwork that had the second company 's information on it. However, I have no idea what that information translates to and I find it infuriating that Wells Fargo simply stated " the balance will be moved to the end of your loan '' and not that a second lien will be placed on your property. That information is too vital to leave out. Failure to include that is negligent. Now I am in the middle of a refinance and I can not proceed until this amount is paid in full. 

I understand my responsibility as a homeowner. However, I have a limited understanding of these terms which is why I asked what my options were and I did ask questions. I knew the life of my loan would be extended, I knew I might pay more interest, and I was okay with that. But I knew nothing about a second lien and nothing about not being able to refinance. That should have been explained to me. That was the responsibility of Wells Fargo and they failed. 

This feels deliberate. They withheld information. This is a pandemic and I have no idea if I will be able to come up with the funds to pay for this, which is why I chose this option in this first place. Now I can't refinance with a different company. Why else would they fail to explain to people, upfront, the second lien that HAS TO BE PAID before refinancing can take place? This should be a signed document that people have to read and acknowledge they understand. A second lien is being placed on your home. This is the company you contact regarding your second lien. This amount must be paid in full before refinancing can take place. FYI, this is based on the type of loan that you refinance with but still. I should have been told.

Wells Fargo is a corporation so they do not have to face consequences. EVER. It is absolutely ridiculous that they can outright LIE and no one holds them accountable. Omitting the truth is lying. They are not moving the balance of people 's Covid relief to the end of their loan. They are selling their debts and placing second liens on their homes but that is not what their website says and that is not what they tell you when you call them.

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 2021-02-19 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On my credit reports there is a closed account with huge amount of missed payments. COMENITYCAPITAL/XXXX ( Opened XXXX. XXXX, 2018 ) Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA COMENITYCAPITAL/XXXX  has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Collection Service
State: ID

Complaint narrative:
Company sent information about debt to wrong address. I was never notified and when I checked my credit saw they were on my report. Contact them to pay off and they have a pending lawsuit but I was never given a chance to dispute or pay before lawsuit was filed. When I tried to pay they now demand attorney fees in the amount of {$600.00} when the debt was only {$640.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 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: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/21 I was trying to withdraw money from my account when the funds were frozen and unable to use. Then I received a email from Wells Fargo that my XXXX was deactivated without my permission and also my unemployment was re routed to a pre pay card My retirement was taken from my account without my permission

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 2021-02-19 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: GA

Complaint narrative:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 51 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. 30 days gives a reason to immediately remove those items from my credit report it has been over 51 days so they should be deleted promptly. I demand these accounts deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX date breach and may have got into the wrong person.

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 2021-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I refinanced my mortgage with XXXX XXXX, which closed on XX/XX/XXXX. I prepaid my XXXX property tax at closing. The mortgage is now serviced by XXXX  XXXX affiliate Dovenmuehle Mortgage , Inc . 

The property tax was due in XX/XX/XXXX. Despite numerous messages through the " secure messaging '' section of website and phone calls I made to XXXX XXXX in XXXX and XXXX, my property tax was not remitted by XXXX XXXX until XX/XX/XXXX. I've attached the secure messages sent through their website. 

This cost me a tax deduction that I can not get back. 

IRS deduction limit is {$10000.00} per year in state and local taxes. I will have {$6800.00} in sales tax to deduct, and because of XXXX XXXX XXXX mistake, I will have no property tax payment to deduct to get me to the $ XXXX limit in XXXX. My IRS marginal tax rate is 35 %. So the XXXX late payment cost me {$1000.00} ( {$10000.00} - {$6800.00} = {$3100.00} XXXX 35 % = {$1000.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2016. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, XXXX XXXX XXXX a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to XXXX XXXX XXXX, and they are liable for each fdcpa violation pursuant to XXXX XXXX XXXX. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations and apologize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened my Citibank Account Package checking and savings accounts with the {$400.00} promotion ( applied XX/XX/XXXX, pending manual review, approved & opened XX/XX/XXXX ). I deposited {$15000.00} in new-to-Citi funds on XXXX and kept them in my Savings account until XX/XX/XXXX. I met the bonus terms on XX/XX/XXXX ( 60 days after deposit ) and should have received the {$400.00} bonus on or before XX/XX/XXXX ( 90 days after meeting requirements ). 

I confirmed by phone XXXX XX/XX/XXXX that I had 30 days from XX/XX/XXXX to fund the account. Completed W-9 was mailed twice to address provided by chat on XX/XX/XXXX. I confirmed via chat : XX/XX/XXXX that {$400.00} bonus was linked with my account, XX/XX/XXXX that I should received the {$400.00} by XX/XX/XXXX, and XX/XX/XXXX that bonus should have posted & dispute XXXX opened that was supposed to be resolved in 5-7 business days but have not heard anything further nor received the {$400.00} bonus as of XX/XX/XXXX. 

Documentation of all of the above ( screenshots, emails, statements, phone call recordings, letters mailed and/or faxed, etc. ) uploaded as attachments.

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 2021-02-19 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The unverified Net Credit # XXXX remain on my credit report in violation of Federal Law. You have not provided a copy of the original creditors documentation on file to verify that this information is mine and is correct. This company is involved in predatory behavior and being sued by the Attorney General of Virginia and still you continue to report inaccurate information as has never requested $ XXXX of loan. Net Credit has no license in the state of Virginia which is a violation of the Virginias law and still continue to report the account claiming that was verified but provide no evidence of the verification and ignoring all the facts that the account should be reported closed. This account should not be reported in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX AMERICA FIRST FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, UT XXXX In this bank I opened and closed the following accounts : OPENING Checking Account # XXXX XXXX {$1.00} XXXX Savings Account # XXXX XXXX {$370.00} XXXX XXXX Account # XXXX CLOSING Checking Account # XXXX Savings Account # XXXX XXXX TRANSFER {$5.00} XXXX XXXX Account # XXXX XXXX TRANSFER {$330.00} XXXX In XXXX XXXX XXXX, UT, I tried to purchase two different properties and the realtors rejected my cash offers with ridiculous excuses. I strongly believe this bank told the realtors that I WAS UNDER INVESTIGATION AND THAT THE BANK COULD NOT PROOF MY FUNDS, WHICH IT IS A LIE. The consequences of this FRAUDULENT UNDER INVESTIGATION STATUS has caused me the following : I have lost a big amount of money moving from state to state ; lost a big amount of money selling my properties immediately after I purchase them doe to the merciless harassment ; I am being rejected socially due to people believe I am a criminal or I am crazy ; I have been harassed, I strongly suspect by bank under cover officers. Lies ( that I am a criminal or that I am crazy ), are being spread to my neighbors, church members, employers, singles groups etc. I have been fired from several jobs without any valid reason, and I have been rejected, CONTRADICTORILY, one day after I have been hired VERBALLY. My car have been vandalized ; My personal homes have also been broken into. When I reported it to the Police I was told no one is harassing me, no one is vandalizing my properties, and that I am crazy. The police minimize the problem justifying the police officers, or ignoring at all my complaints.. XXXX, emails, and cellular phone have been hacked and impersonated bothering my friends and me. The most strange is that any lawyer wants to take my case. I AM MARKED. 
I request the police let me live at peace, being secure, and have a productive life, without torture and the degrading treatment the different police departments have been doing to me for THE LAST FIVE YEARS in a daily basis. 

- XXXX XXXX Cashiers Check to open accounts in America First. 
- Two cash offers to two different realtors are attached. 
- Police reports made in UT. 
- Cashiers check that America First reported as fraudulent to XXXX XXXX XXXX XXXX manager when I closed the account in XXXX, ( for {$18.00} XXXX ) - Closing account letter. 
- TWO Wire transfers receipts from America First to XXXX XXXX XXXX, XXXX XXXX, California, bank that was the ESCROW to purchase my property in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I never activated a credit card that was established through XXXX XXXX ; and the name in which the credit card is established is inaccurate ( so I am not sure what type of onboarding and KYC processes they have that it would not identify this situation ). I never activated the card or processed any charges to such card given that the account is not even in my correct name ; yet they proceeded to charge me an annual fee and begin late charges against an annual fee. I have since closed it as I felt that was the only way to stop the issue from continuing ( however, it was never activated or used to begin with ). I am attempting to resolve the annual fee and late charge issues - however, there is no way to establish contact with them to discuss the above without setting up a mobile account which I do not want to do. Their phone line leaves you in a dead end. As such, conveniently enough there is no way to resolve the above situation.

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 2021-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with XXXX XXXX and which I don't know off these two accounts one with XXXX XXXX and XXXX with the XXXX XXXX  I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX  and the dispute was not in my favor I have also added a security fraud alert with XXXX  I request for the removal of the debts and update my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a XXXX XXXX XXXX business credit card from Bank of America. I had not use it often. On XX/XX/XXXX, there was a {$25.00} annual fee charge on my card statement which I didn't receive a notification by mail or email. In the subsequent months, Bank of America didn't notify me about this charge and keep on adding fees and charge on it. In XX/XX/XXXX, when I checked with them about this account and found they have closed the account and charge for total {$270.00}. I tried to argue with them and they said they can't do anything. I paid them {$270.00} in XX/XX/XXXX for the merely {$25.00} annual fee.

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