vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX Bank XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX Na on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: MD

Complaint narrative:
On XXXX XXXX I made my mortgage payment for {$970.00} to Village Capitol Investments through the CompanXXXX website. I was advise the next day by my bank ( XXXX XXXX XXXX XXXX Village Capitol XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ph # XXXX ) took another payment for the same amount causing over draft fees. I had my bank stop payment and they also waived all fees. A few days later I received a call from a Village Capitol XXXX name XXXX confirming the company had error, he said they would pay any fees and apologize. Now weeks after I received XXXX XXXX phone call I am getting collection letters with late fees and collection calls, when I call the company they tell me the bank stop 2 payments and now pass due. XXXX XXXX XXXX XXXX XXXX XXXX confirm only one payment stop and refer me to my bank statement date from XX/XX/2021 for prof of payment in the amount of {$970.00}. any help would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am never late missing a payment to GM Financial on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my GM Financial account and saw that the Auto Pay had been turned off automatically. I never gave GM Financial permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program. 

Fast forward, and I found out that my credit score dropped XXXX points, and my father 's credit score ( who cosigned on the loan ), dropped XXXX points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account. 

I called GM Financial and they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since GM Financial did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IA

Complaint narrative:
Today, XX/XX/2021 I opened crypto.com app. I signed in today and got it registered. I had to put my debit card information so I can purchase dogecoin. I however did not proceed with the purchase. I checked my account and they charged me XXXXcents. this crypto site never disclosed that It will be charging my account to setup crypto.com. They have violated this and not anywhere in the beginning mention that you will be charged any fees. The only fees I would think they will charge if I purchase any bitcoins. This is a fraud. Please investigate

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 2021-04-02 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: LD Holdings Group, LLC
State: FL

Complaint narrative:
I applied for mortgage loan back in XX/XX/2020 with MTH mortgage. There was a credit inquiry posted on my report from XXXX. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
RE : Checking Account ending in XXXX My checking account is with Huntington National Bank and my Mortgage Loan is with XXXX XXXX XXXX. My monthly mortgage payments ( {$820.00} per month ) are set up to be automatically drafted from my Huntington checking account. Huntington bank returned my XXXX XXXX payment in error. After a lengthy research process by both banks, Huntington admitted making a mistake. My XXXX XXXX mortgage payment has also been returned for no reason. These late mortgage payments are ruining my credit and costing me money ; XXXX XXXX bank assesses a late fee of {$21.00} for each transaction. When I called XXXX XXXX bank to make payment, they charge a {$15.00} fee for each payment over the phone. Huntington bank has reversed the XXXX XXXX payment of {$820.00} but is yet to reverse the XXXX payment. All these transactions were properly posted to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
My information has been transferred to another company without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received notice that my 0 % APR on my existing balance is expiring next month on my homedepot credit card. I need to know how this will effect my minimum monthly payment and monthly interest beforehand so I can prepare. I contacted XXXX via secure messaging and asked 3 times and they just kept copy pasting useless information as responses and refused to answer my questions. I need this information now so I can plan my budget.

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 2021-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My information has been transferred to another company without my consent.

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 2021-04-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I received an email XX/XX/2021 from AppleXXXXGoldman Sachs that my account was closed because of a There was a failure to comply with the terms of the Customer Agreement when I called them they referred me back to the vague letter. They escalated the complaint and assured someone would get back to me as of today one week later nobody has gotten back to me. I have called 4 times since then and spoken to all sorts of supervisors who have told me they dont know and nobody knows the reason my account was closed. But I should refer back to the letter Apple sent. Another supervisor responded that Apple can cancel anytime they want for no reason. Thats seems incorrect as the terms and agreements state Apple can close any account for any reason under applicable law. Nobody is able to tell me what law that is. I have been on the phone for hours with them and nobody seems to want to or care to help. This hurts my credit and seems very unfair. 
As it is an Apple Card and it is closed I dont have access to the number on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: MD

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.

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 2021-04-02 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: MD

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2021-04-02 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: MD

Complaint narrative:
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: PA

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: CA

Complaint narrative:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I began the process to refinance an existing loan with Amerisave Mortgage on XX/XX/XXXX. Since then, I have provided all financial documents requested. I noticed that I had a new loan originator assigned to me and inquired why I had someone new assigned to me. I noticed that the online portal stated that I needed to complete the loan application and inquired why it stated that I needed to fill out the loan application if I had already done so. 

On XX/XX/XXXX, my loan processor requested that I send her information about my retirement account. I provided the information to her on XX/XX/XXXX. Amerisave requested a payout amount from my mortgage company and I was told that my loan was in underwriting. 

Since XX/XX/XXXX, I have repeatedly ( eight phone calls and at least 3 emails ) contacted the loan processor and others at Amerisave to check on the status of my loan. I have received zero responses regarding the status of my loan ( no returned phone calls nor emails ). I am concerned that the loan company is trying to let the time run out so that they don't have to honor the loan application.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
I am writing this letter because I have a problem with XXXX and BMO harris bank because none of these tried to help me and I dont know whats going on I made a deposit in BMO bank for my broker " XXXX '' like two weeks ago when I was in XXXX visiting my family and the problem is that my broker " XXXX '' didnt accepted that deposit I mean they dont accepted the deposit that I made at the bank BMO HARRIS BANK XXXX and they told me that the money was given back but I dont know how is posible because I have no account with BMO I just made a deposit in cash and that is it SO XXXX WHO I made the deposit for SAYS there is no money at my XXXX account and BMO says that the money ( {$2400.00} USD ) is in my XXXX account and they can not give me back so I dont know what to do because I already returned to XXXX and is complicated for me to go back to USA so if you can help me it would be really usefull please

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 2021-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is in follow up to complaint XXXX. We found the money transferred via XXXX. It was transferred to another persons account with my phone number on it as backup and my phone number on my actual bank account was disabled without my approval or knowledge. XXXX is owned by 7 major federal financial institutions and federal financial institutions should not be favoring one payment app over others, especially when that payment app is owned by the federal institutions. How is this legal? 

See attachment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02 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: NC

Complaint narrative:
I am never late missing a payment to XXXX XXXX on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my XXXX XXXX account and saw that the Auto Pay had been turned off automatically. I never gave XXXX XXXX permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program.

Fast forward, and I found out that my credit score dropped 68 points, and my father 's credit score ( who cosigned on the loan ), dropped 116 points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account.

I called XXXX XXXX XXXXnd they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since XXXX XXXX  did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.

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