vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XX/XX/2022 we've have unauthorized debits to our Citi business account. It started slowly with very small amounts until it became very noticeable around the month of XXXX I reported the fraudulent transactions to our bank on XX/XX/2022. Our bank referred us to the customer service phone number which is not an American company. The representatives had a lot of difficulty communicating with us. We asked Citibank if we could work with someone in the US to get help with our account they said no it all had to be done with a non US company. As of now we have gone back and forth with their customer service company at least a couple times per month and we have gone into the local bank branch to get help. I have all documentation to support our efforts. They have told us to deal with the actual vendors which we have tried to do and they have also denied our claims even though they have all the supporting information that clearly indicates we did not authorize these transactions. The vendors tell us it's the bank 's responsibility. They even gave us the names of the people stealing from our account. The bank has also credited and debited our account so many times I have no clue where we stand. I have emailed our branch manager many times and stopped in I have even been asking our bank manager for a reply since XXXX and I just recently got a response from him. He reluctantly agreed to a meeting with us, but did email a message stating that he has spent too much time on this matter. The bank has made it very clear that they are not willing to help us and they have made our account such a mess by the debits and credits that I have no clue currently what they owe us. I am sure that it is several thousands of dollars. Additionally, if you see the correspondence they have sent us in the mail you would have no confidence in their ability to run a business. I have that correspondence as well. If someone can please advise us how to get this resolved. Thank you in advance for your help with this matter.

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 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: NV

Complaint narrative:
In XX/XX/XXXX, I was notified by Citi that a payment was due on my Citi credit card. I hadn't made a transaction on this credit card since XX/XX/XXXX and the account was paid in full with a XXXX balance. 

I immediately reviewed my account and saw that there were transactions that I did not recognize. There were twelve transactions ranging in dates from XX/XX/XXXX to XX/XX/XXXX. The total amount of the transactions was {$5600.00}. The location of all twelve transactions was XXXX, Indiana. They are : XX/XX/XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX  {$270.00} XX/XX/XXXX XXXX {$510.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} I contacted Citi immediately to report the unauthorized charges. Citi opened a fraud case. On XX/XX/XXXX, I contacted Citi and they asked me a series of questions. I received a letter on XX/XX/XXXX from Citi that was dated XX/XX/XXXX. This letter was a notification that " Your dispute ( s ) has been closed ''. The letter said, " We've completed our investigation and your dispute ( s ) is now closed. The card 's EMV chip was used to make the disputed transaction ( s ) at a chip enabled card reader. You verified that your card was in your possession at the time of the transaction ( s ), so we don't consider this fraudulent activity. The charge ( s ) totaling {$5600.00} will remain on your account, under your account activity. '' I have never been to XXXX, Indiana and was not in XXXX to make these transactions. I can prove my location through work records and travel receipts.

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 2023-04-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accounts : XXXX XXXX XXXX : Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX  : Account # XXXX XXXX XXXX XXXX : Account XXXX XXXX XXXXXXXX XXXX : Account # XXXXXXXX XXXX : Account # XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act by both physical mail and online disputes along with providing them with documentation to support my claim. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on about this topic. 

The credit bureaus have no respect for the laws or its consumers. 

Someone needs to hold them accountable for this.

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 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Click n' Close, Inc.
State: TX

Complaint narrative:
I have requested to cancel our {$41.00} monthly PMI due to reaching 80 % of the original value of the property based on my closing documents. They are refusing to remove it and emails and requests were sent on XX/XX/23 through today, even though I have provided them with all of the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
In XX/XX/XXXX, I was consumed by debt and solicited Freedom debt relief for assistance. I spoke to an individual named XXXX who assured me that Freedom Debt Relief would contact assist me in paying off my dept through their program. I was told to discontinue payments to my creditors and Freedom Dept Relief would contact all of them and set up settlements. Furthermore, I was assured that there were no charges for this service with the exception of a small monthly fee for maintaining my dedicated account. I was also told that the money in this account would be controlled by me in that I could approve or decline a settlement. This endeavor began by masking unrealistic goals surrounded by lies and deception which included the individual telling me Freedom Dept Relief was a consumer advocate. {$4300.00} later, I am more in dept and my credit has dropped more than 100 points because I put my trust in this company. I am a XXXX XXXX with more than 26 years of federal service and I am XXXX that such a company exists that tries to steal money from those in need of assistance. This company is an extreme embarrassment to those who actually attempt to settle debts for those in need. I would like to add that XXXX XXXXXXXX have a purpose to recover money lost to lenders, but this company strives to steal money from those who have financial difficulties. Fast forward to XXXX XXXX, XXXX. I was expecting a full refund because this business at the end created more problems, and instead they not only refused to refund me the {$4300.00} I put into the program, but the remaining {$680.00} was also stolen. This company is deceptive and currently has adds on XXXX telling potential customers that their dept will be paid for free. Something has to be done please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I called AmEx on XX/XX/ to request credit for interest charges I incurred unintentionally. XXXX told me that the companys policy was to credit back only one interest charge in a 12 month period. Without further consulting me, XXXX proceeded to tell me my account would be credited {$46.00}. This was deceptive and unfair for at least 2 reasons.

First, AmEx broke down and stacked interest charges, even within a single month, so that its one time only policy actually doesnt even cover a full months interest charge. So, even though I was calling to request credit for {$160.00} in interest, I will apparently only be getting a little more than 25 % of that amount back. Indeed, on my most recent statement ( covering XX/XX/XXXX to XX/XX/XXXX ), the total interest charges ( there are no penalties ) are {$98.00}, but AmEx broke that amount into two charges, both debited on the same day ( XX/XX/ ), and then promised only to credit me an amount equal to one of those charges ( {$46.00} ). When I asked why AmEx had broken interest charges up within a single day, XXXX could not provide an explanation, nor does one appear on my credit card statement. By breaking up and stacking interest charges, AmEx avoids having to actually honor in full its supposed policy of crediting its customer for a single interest charge. Instead, its actual ( but inaccurately described ) policy is to credit only a portion of a single interest charge. I think AmEx should acknowledge that its policy is deceptive and unfair and credit me the full {$160.00} in interest. 

Second, AmEx implements its deceptive policy so as to minimize its refund to its customer and maximize the charges its customer pays. As noted above, by breaking apart and stacking interest charges, AmEx avoids having actually to honor its announced refund policy. It goes even further by selecting the lowest interest charge to refund, rather than selecting the greatest charge or allowing its customer to choose. Thus, on my call with XXXX, AmEx unilaterally chose to credit the lesser of the two interest charges it stacked and debited on XX/XX/23. That is, rather than crediting me the larger interest charge debited on that date ( {$51.00} ), AmEx unilaterally debited the smaller interest charge it broke out and debited on that date ( {$46.00} ). When I asked XXXX to debit the highest interest charge amount ( {$53.00}, debited on XX/XX/23 ), he refused, saying the system would not allow him to do that. AmEx is implementing its policy dishonestly and in a manner designed to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is bias! The company took over a month to delete some items yet refused to remove ALL requested items of inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX @ XXXX Equifax just said nothing they can do to help me just gave me numbers and that was it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I have a loan with LoanDepot in TX. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX The mortgage is in good standing with no late payments. I have an escrow account attached to pay county property tax and homeowners insurance. 

The issue is with the disbursements for the property tax. After multiple emails and website messages ( most of which are ignored ), they told me that the property tax would be paid " in XXXX ''. On XX/XX/2023, XXXX XXXX ( LoanDepot ) finally stated that " I have reviewed your loan and taken a look at your county website. I notice on the site that a payment of {$12000.00} is to be made by XX/XX/2023. Following a review of your loan, a tax payment of {$12000.00} was recently sent on XX/XX/2023. Your tax payment is expected to be received on time, as it was wired. Thank you for bringing this to our attention. If you see any fees applied to your taxes due to the payment being received late, please let us know, and we will be glad to assist. '' As of XX/XX/XXXX, XXXX XXXX has not received the payment and it's due on XX/XX/XXXX ( next business day ). The above response does not have any tracking information, and the " we'll be glad to assist '' does not commit to paying a {$1200.00} late fee on a missed property tax payment. 

Most messages and emails to LoanDepot have gone unanswered. I sent a message to their " escalations '' department today and got one phone call from XXXX XXXX ( ( XXXX ) XXXX ). I missed that but immediately called her back ; no answer straight to voicemail and no response after 90 minutes. 

I'm tired of chasing this company around to get a tax payment done. I chose to have an escrow account *for convenience* and for assurance that taxes would be paid on time or early if I request. 

They are unprofessional and not transparent at all in their operations. Their support website is absolute trash. 

Help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: CITIBANK, N.A.
State: DE

Complaint narrative:
homedepot credit card fraudulent charges

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my Equifax credit report to find a credit on my Arkansas account. 
XXXX XXXX XXXXXXXX. I do not live in XXXX XXXX, Ark. I live in XXXX, Texas, never lived in XXXX XXXX, Ark.This is a fraudulent account. They got it marked as a charged-off. It Looks like it is for utility services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
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 USC 1681 Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX, Account Name : XXXX XXXX : XXXX XXXX, Account Name : XXXX : XXXX XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX XXXX : XXXX XXXX. 
Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX : XXXX 15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish my account without my written permission.

15 U.S.C 1681c. ( A ) ( 5 ) Section : States no consumer reporting agency may make any consumer report contains any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

5 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2023 Mortgage loan with XXXX XXXX  was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.

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 2023-04-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2023 Mortgage loan with XXXX XXXX  was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2023 Mortgage loan with XXXX XXXX was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.

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 2023-04-07 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently checked my credit and seen LVNV FFUNDING LLC reporting

2 collections on my credit report one for {$750.00} an another one for {$2000.00}. I dont know this company or never did business with this company. This company doesnt have any contract or written signature of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
On XX/XX/2023 Mortgage loan with Flagstar Bank was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.

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 2023-04-07 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 am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640.

As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by [ Name of Collection Agency ]. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.

Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.

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