vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a 3 month Certificate of Deposit account with Citibank on XX/XX/XXXX. The account matured on XX/XX/XXXX, and I closed the account on XX/XX/XXXX. I was told that the check ( which amounted to over {$50000.00} ) would arrive in 7-10 business days. After XXXX business days passed on XX/XX/XXXX and I hadn't received the check, I called their customer service line and was told that the check should actually take up to 20 business days. I then waited until that time period passed, and the check still hadn't arrived. I called again and was told that the account closure had been done incorrectly as a checking account instead of a CD, so that had to be resubmitted. The new estimated date for check arrival told to me was XXXX. In order to ensure the check was delivered, I was told to expect a phone call from XXXX between XXXX so that the postal service could confirm that I would be home to sign for the check. After not hearing from XXXX on XX/XX/XXXX, I called Citibank back to ask about the status of the check/whether or not it had been shipped, since it presumably only had the next day to arrive. I spoke with another customer service representative who said that the check was still held up in the " back office '' and that they could not provide any more information. I was advised to call back on XX/XX/XXXX to be provided a tracking number from the XXXX. I called back on XX/XX/XXXX and was told that Citibank/the " back office '' does not provide tracking numbers for checks ; they only do that for credit cards. The withdrawal form was also still filled out incorrectly, so this new customer representative assured me she had made the corrctions and submitted it again. Additionally, they were unable to tell me when I could expect the check. The only information I could be provided was that the check had been reisssued, that they would contact the " back office '' again to get an update, and that I would receive an email update within 24 hours. If I didn't receive an email within 24 hours, I should call them back to figure out what was going on. Throughout this entire process, I had been asking for a tracking number, for expediting shipping, or any way to ensure that my money could be delivered in a timely manner. I was ultimately told that these were not possible. Additionally, I asked to speak with a supervisor or manager ( or someone who could answer my questions about how things were filed incorrectly ) and was denied that everytime. I also asked if there was a place I could file a complaint, and the last customer representative said that she was the person do to that and would be doing so, although I never received confirmation. At this point, I'm not sure if I will ever receive the 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 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. XXXX AND TRANSUNION REPORTED THIS ACCOUNT AS PAID AS AGREED

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 2023-05-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I NOTICIED SOME INCONSISTENCIES ON MY CREDIT REPORT. THIS IS DAMAGING MY CREDIT SCORE AND NEEDS TO BE LOOKED AT IMMEDIATELY. PLEASE SEE ACCOUNT LISTED BELOW. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ALSO I NOTICED XXXX IS THE ONLY BUREAU THAT REPORTED LATE. EQUIFAX AND XXXX REPORTED THIS ACCOUNT AS PAID AS AGREED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
I submitted multiple complaints before for the fraudulent Bankruptcy. But now, I am submitting a new complaint for the UNAUTHRIZED and FRAUDULENT Inquiries because there are MULTIPLE fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
The address provided below do not belong to me and was use fraudulently to obtain goods and services. I am disputing this address and would like it to be removed from my XXXX, Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD 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 2023-05-17 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: Kikoff Inc.
State: NY

Complaint narrative:
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have applied for a hardship with cardinal financial for a total of 6 months. I applied to a program called Texas Homeowner Assistance to pay my past due payment. Cardinal financial has made it almost impossible to receive funds from this program. They have not called the program back after telling me several times they would. I submitted all modification department and they ensured me they were waiting on the HAf program to call them. When I called the HAF program to check the status they stated that they are waiting on my lender to contact them. I applied to this program on XX/XX/2023. 

Just recently cardinal financial applied a second mortgage onto my account for the past due balance that the HAF program is paying for me and will not call the HAF program back to ensure that the past due amount is paid in full. Instead that increased my payment and added the balance to my account as a second mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MA

Complaint narrative:
Someone stole my information and opened up fraudulent and unauthorized accounts in my name.

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 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 


This item 11 XXXX XXXX disputed by XXXX  ( XXXX ), for {$250.00} opened XX/XX/2020, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit. 

Reported By : Southwest Credit Syste XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me. 

" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is in reference to complaint XXXX. I asked for you to remove these accounts from my credit report and you instead updated them. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. You are reporting two accounts for the same debt which is considered double jeopardy. XXXXXXXX XXXX XXXX XXXX was written off for {$1200.00} which is the same balance being reported for XXXX XXXX XXXX XXXX. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the cfpb complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX

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 2023-05-17 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
I submitted a complaint last XX/XX/2023 and last XX/XX/2023 the companies involved responded. Some got deleted but there are STILL fraudulent items reporting on my credit report. I am submitting a new complaint hoping that you will assist me regarding my concerns because I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Upon reviewing my personal credit report, I noticed accounts that I do not own were opened in my name. I noticed fraudulent accounts and inquiries that I did not authorize on my credit report and it is preventing me from receiving credit.

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 2023-05-17 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: Navient Solutions, LLC.
State: TN

Complaint narrative:
My student Loan provider Navient has reported me XXXX plus days past due on my federal student loan. I was under the assumption that my loan was still in deferment as i was not notified otherwise. and I was also under the assumption that my loan was on hold due to the government placing loans on hold by the Biden administration. I reached out to them and they brought my account back current and placed it back in deferment due to hardship with no problem and the person that i spoke with said that the " late fees '' would stay on my account until my loan comes out of deferment that i did NOT need to make a payment until i started paying the loans back in XXXX. Now my credit report is showing a 3 time delinquency of {$160.00} dollars due to the late fees. I called again and they stated that I could send them a letter of dispute and they could resolve the fees. i sent the letter the same day last month and nothing has been resolved and now i can not get housing due to a late fee. Today I went into my account and paid the late fees because i have not heard back from them and did not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The company requested that I send in a copy of my ID and Social security number which I have sent, I also included a bill, but I still can not pull my credit report through Myfico or other companies. I know that the company has received the information they requested as I submitted disputes at the same time and those have been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, my mortgage company " NEWREZ '' attempted to take out my payment of which I had made on XX/XX/XXXX. However, I noticed " NEWREZ '' has not taken the money that I owed them for my regular mortgage payment. I waited to see if they would take out the funds and on XX/XX/XXXX, I submitted a new payment which went through XX/XX/XXXX. XXXX roughly XXXX, I received a letter in the mail stating that my first payment was returned due to insufficient funds. I attempted more than 5 types to submit proof that I did have the necessary funds on the XXXX of XXXX in the form of bank statements. My mortgage company is completely refusing to acknowledge this documentation and acknowledge it as proof. 

Furthermore, I was told the insufficient funds charge was first the first failed attempt on XX/XX/XXXX however, I did not get the fee until XX/XX/XXXX. My bank has also confirmed twice that I did have to necessary funds XX/XX/XXXX and at least 3 days after and there is no record on my banks end of " NEWREZ '' attempting to take out the payment. 

On roughly XXXX XXXX, I was told by two different " NEWREZ '' employees over the phone that all I needed to do to get the fee taken off was to submit proof through " NEWREZ SECURE MESSAGING SYSTEM ''. I do have a video of myself trying to submit proof via " NEWREZ SECURE MESSAGING SYSTEM ''. However, the site will not accept any of my file methods that the " NEWREZ '' website says they accept. 

I was informed on XX/XX/XXXX by a " NEWREZ '' employee on the phone that, " NEWREZ '' has determined that after investigating, I am found liable for the insufficient fee. This is after submitting my proof that I did have sufficient funds. 

I spoke with a certified mortgage counselor who advised that this fee is part of a growing number of mortgages imposing " junk fees '' and a new business model. 

I have included the proof that I had sufficient funds when " NEWREZ '' claims they attempted to take their payment from my bank account. As well as proof of the fee being applied on XX/XX/XXXX instead of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: WA

Complaint narrative:
Two years in a row this CMG financial had estimated our escrow wrong. The 1st year for XXXX they were {$250.00} dollars off and it raised our payment {$41.00} a month for a year. The second year for XXXX they are off by {$940.00} that will raise our already raised mortgage payment to {$3500.00} ( it was XXXX with the previous raise for XX/XX/XXXX ) our payments started off at {$3300.00} for XXXX. They cant seem to estimate correctly and now are about {$1000.00} off and this isnt okay. They say its on us. Its not okay they cant use a calculator let alone account for increases 2 yrs in a row and then want to just keep jumping our payment up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion website can not process a credit unfreeze, the automated attendant on the phone number continues to error and hang up, and I am unable to unfreeze my credit in order to apply for a time-sensitive credit application. This is service should NEVER be unavailable. My credit report is completely inaccessible to creditors and there is no timeframe for when I will be able to access it.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I lost my bank card sometime apparently in XXXX. However I didnt realize my bank card was missing until around XX/XX/XXXX when my joint account holder my wife mentioned that there were charges on out account from a restaurant located in XXXX Wi XXXX I immediately called the bank and told them the issue and told them to shut down my card and to refund those transactions. There are at least three transactions from a restaurant called XXXX that I did not make. I spoke with a lady at prosperity and she assured me that she noted everything and would give it to the fraud department. 

I just received a letter from prosperity bank saying that we agree it was a bank error however I would not receive my funds back because it has been past two briskness days since I learned my card was missing. This is a lie, I called the bank immediately when my wife and I noticed that my card was missing. 

When I received the letter I called the bank and was told by another person that I want receive my money back because I didnt use my card since XXXX. Im demanding my funds back asap. Prosperity bank is breaking banking regulations and being very dishonest with there clients.

Company response to consumer: Closed with monetary relief