vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To who this may concern : My name is XXXX XXXX. I would like to.fe a charge against citi bank. 

I received my credit card and there was a block on it to verify information. I contacted them and was asked to give my brother social security number and my sister which I found suspicious. I did give them so I can have my card back and still they did not release the block. In addition, the representative XXXX and than XXXX continued to ask for other out sources information like my sister in law phone.number. non of these people ate on my account. I believe citi bank violated consumer privacy and unethically stoled my family information. Am so stressed. 
Please help XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AZ

Complaint narrative:
My credit score has been very negatively affected because someone fraudulently used my name, ss number and date of birth but a different mailing address to purchase a {$40000.00} loan for a XXXX through XXXX financial services. I first noticed this in XXXX through credit monitoring that multiple inquiries had been made on my credit and a {$40000.00} vehicle loan had been taken in my name through XXXX financial services on or around XX/XX/XXXX. The first payment had been made for the vehicle but none thereafter. I contacted XXXX financial services on XX/XX/XXXX and they emailed me a letter identifying that they were doing an investigation into the situation. I filed disputes with all 3 credit bureaus explaining the situation. I received a reply from Experian at the end of XXXX indicating that the claims on my credit report would stay because XXXX financial services told Experian that they determined it was not fraud. I then received a call from XXXX stating the same, that they had closed the case because they determined it wasnt fraud. When I pressed them to explain what research they had done and how they came to determine it wasnt fraud, they refused to provide me any information. I was told by them, however, that I could email someone at XXXX XXXX services by the name of XXXX XXXX with additional documents requested by them and request to reopen the case. I complied with this request and emailed XXXX XXXX on XX/XX/XXXX with said documents and have never received a response. They would not give me her phone number. I have yet to receive a response regarding the dispute from the 2 remaining credit bureaus, but nothing has been removed from my credit reports and the person who fraudulently purchased the car in my name has not made a payment since XXXX of this year. 
I dont know what else to do to resolve this matter and it is destroying my credit that I have worked so hard to maintain in good standing. XXXX financial services clearly do not care about my circumstances as they obviously did very little ( if anything XXXX to investigate and resolve this situation of identity fraud.

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 2021-05-25 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: DE

Complaint narrative:
I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
This is continuation to the first complaint made about Community Loan Servicing. There are still payments that have not been applied to my loan. My online account has also been blocked and I am no longer able to make payments online toward the principal since XX/XX/XXXX. I tried contacting XXXX XXXX and he has not responded. I spoke to one of the customer service representatives and they were very helpful and trying to get my questions answered. Issues to be resolved. 

1. Still showing applied principal payments 2. Not able to make any payments online on my account 3. Requested Amortization Table with current scenario. 

Please advise! 
. 


visit www.communityloanservicingcares.com. 

public-header-image-one Header Payments Documents Request for Assistance Help Profile Log Out Make a Payment Auto Pay Payment History Manage Accounts Unable to make a payment Sorry, currently you are unable to make an online payment. Please contact Customer Relations at XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
I filed for a grievance of my taxes and they were reduced from {$16000.00} to {$14000.00}. Due to COVID, it took some time for XXXX XXXX to submit a proper reduced tax bill. I have been trying to get an escrow analysis since XX/XX/XXXX. My loan was transferred for servicing from XXXX XXXX XXXX XXXX to BSI Financial Services on XX/XX/XXXX ( # 1 ). My escrow on transfer was {$9900.00}. On numerous occasions, I have contacted both XXXX and XXXX  via telephone, via email and in writing. Since the transfer in XX/XX/XXXX, I have spoken with XXXX  several times, sent many emails and a qualified written request for an escrow analysis on XX/XX/XXXX ( # 2 ). A copy of my updated tax bill was submitted via email in XX/XX/XXXX, which should have been supplied by XXXX to XXXX. With my first payment in XX/XX/XXXX, I sent a letter with the correct tax bill and a request for an escrow analysis. My annual taxes are currently {$14000.00} ( # 3 ). The first half taxes were paid on XX/XX/XXXX in the amount of {$7100.00}. There is currently an escrow overage of {$9800.00} ( # 4 ) they are not releasing. I pay for my homeowners insurance, which they requested I pay for the year in full and have provided them the policy paid receipt on XX/XX/XXXX. They then requested that I secure flood insurance and provided them that as well within the timeframe requested on XX/XX/XXXX. These insurance requests came from the same department at XXXX periodically over four months, both flood and hazard. When I spoke to them in XXXX, they should have requested the policy information within a few weeks of the mortgage transfer, not spacing this over four months. To date, six months later, I have not received the escrow analysis and my payment has not been reduced to reflect the reduction in taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: Union Credit Corporation
State: GA

Complaint narrative:
THESE CREDIT INQUIRIES ARE UNAUTHORIZED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: DE

Complaint narrative:
I have reached out to TransUnion well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We ( My wife and I ) are elderly immigrated who have moved to the USA from XXXX to stay with our children in the USA. We have children in XXXX XXXX  and XXXX 

We both have green-card, social security and an state ID from Ohio. We even have our XXXX Tax return. 

We went to Wells Fargo at XXXX XXXX XXXX, XXXX XXXX, FL XXXX where my children also have some accounts. We spent significant amount of time with the one of bankers ( Mr. XXXX XXXX XXXX and presented our Social Security cards, State ID, Green-card and etc. 

The banker made numerous calls to see if he can open account for us, we over heard the calls that he was asked by other party on the line " Why can't you open their account '' and he replied " Because they are XXXX ''! 

He made about 3-4 phone calls until someone finally told him, " NO ''! 

It sounded that he deliberately tried hard to find an excuse not to open an account for us and in COVID-Era he kept us in the branch for over 2 hours! 

We do believe that the cause of denial was discriminatory and even after we called Wells Fargo customer service, they were surprised that the banker refused to open an account! 

Bank may talk to my daughter regarding this issue too

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 2021-05-25 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: TX

Complaint narrative:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2021-05-25 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: IL

Complaint narrative:
Yes I called EQUIFAX on XX/XX/XXXX to dispute a XXXX XXXX inquiry on my credit report that I did not authorize from XX/XX/XXXX. I talked to XXXX id number XXXX and he refuse to help me dispute my unauthorized credit inquiry from XXXX XXXX XXXX XXXX He told me that I have to go file a police report. I was never offered to put a fraud alert on my credit report not even after I brought up that I have fraud alert set up on my XXXX  credit report. I am very frustrated to not be treated the same as a person with XXXX  credit score. I should be offered the same services and good customer service too. 

I asked to talked to a manager to get this issue resolved and had to wait over 20 minutes before being told that there is no available supervisor nor manager. Then I was directed to the fraud department I demand that this XXXX XXXXXXXX inquiry be removed from credit report accordingly to section 609 from the Fair Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: NY

Complaint narrative:
I purchased my vehicle at Audi XXXX XXXX in California and financed it with Audi financial on XX/XX/XXXX. I made my payments on time, but on XX/XX/XXXX, I parked my vehicle in front of my friends property in the morning, but when I left at XXXX, the car disappeared. First I thought that was due to parking enforcement, but California highway patrol claimed they didnt tow the vehicle. Then I called Audi financial to see if they had the car towed, they claimed they didnt tow it, it was not in procession. I kept contacting police department, and on XX/XX/XXXX, they claimed the vehicle was stolen, and it was marked stolen by Audi. Then I contacted Audi Financial over and over. They kept asking me to wait 24 hours/ 48 hours/ 72 hours to get a response. I never received any callback. And on XX/XX/XXXX, they said I have to pay the balance in full to get the car back, couldnt provide me any reason or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for a Synchrony/Care Credit account beginning of XX/XX/2021. I received the card and I tried to use it and couldn't. They told me that I had to send a copy of my Driver License and Utility Bill to confirm my identity and address which I did on XX/XX/2021. Later on XX/XX/2021 my account was closed with no explanation. I called on XX/XX/2021 and they told me that it was due to high risk and there was nothing that could be done. There was no proof nor any explanation and I believe they are discriminating against me.

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 2021-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NY

Complaint narrative:
I had cash app for about a year. In XXXX I believe it was I purchased a new cell phone from XXXX store and data and apps were transferred over. When attempting to log back into my cash-app account it said my new device was not able to do so and to contact support. I did so through the app and email. I was told to create a new account in order to gain access to the old one. I did so and provided new account information to rep via email. 

After a string of copy and paste emails from different reps I got an answer of we cant grant access to the old account in order to protect your new account. I didn't need or want a new account to begin with. After 2 months of the same email requesting the same info to prove my identity and that the account indeed belongs to me I was simply told there is nothing they can do and there is no further information they can provide. I asked numerous times what they needed and it was still the same response. Nothing can be done. 

I have money invested in stocks through the app on the old account and I even still get emails updating me about earned dividends and investor voting. Yet they still won't provide access or further info as to where my money goes and how to retrieve documents needed for tax filings. I made a complaint to XXXX  and Cash App responded read terms. Again nowhere does it state they can just keep my funds. I just want to be able to cash-out my stocks and be done with them all together. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: NJ

Complaint narrative:
On XX/XX/2021 I the consumer reviewed my consumer reports and found the following violations. Pursuant to 15 usc 1681b - Permissible purposes of consumer reports - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. I the consumer have never given any of the consumer reporting agencies known as XXXX  TRANSUNION, XXXX  any written instructions about the consumer reports listed in my name, which is a violation of 15 usc 1681b ( 2 ). Pursuant to 15 usc 1681c ( 4 ) they are also civilly liable for placing collection accounts on my consumer report. I am demanding they remove the alleged debt from my consumer reports remit payments to me for violations and apologize. Each consumer reporting agency was sent by certified mail, a written statement, a copy of the law that was violated, and a copy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AZ

Complaint narrative:
3 months ago I requested and received my credit report. 

There was a negitive report that i did not recognize from LVNV Funding.

I contacted LVNV Funding requesting VERIFICATION by signature, according to the FDCA, and requesting them to notify the credit reporting agencies that the claim is disputed.

Instead of providing me with the verification as requested they sent me a photo copy of a judgement against some person that has the same last name as me.

They also threatened me with garnishment and seizure of my assets without proving that I owed any thing. 

They also will not report that the claim is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: AZ

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I believe that my mortgage company owes me {$870.00}. 

I requested a payoff statement in early XX/XX/2020. I received the payoff statement in mid-XX/XX/2020stating that the mortgage payoff would be {$870.00} if paid by XX/XX/2020. The payoff statement declared that there were only two acceptable payment methods. A direct wire transfer or a cashiers check. I chose a cashiers check which, as instructed, I mailed to : Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX. 
It was sent certified mail on XX/XX/2020 and was received by the above address on XX/XX/2020 according to the USPS. 
When I reviewed my checking account, I noticed that my monthly mortgage payment, of {$1000.00} had been deducted via autopay on XX/XX/2020. 
On XX/XX/2020, I received two checks from Mr. Cooper. One for my remaining escrow account balance of {$710.00}. The second check for the difference of my autopay mortgage payment and the certified check equaling {$170.00}. 
The payoff amount of {$870.00} was deducted from the automatic checking account funds transfer of {$1000.00} not from the cashiers check of {$870.00} that to my understanding was the only acceptable method of payment for a payoff as per their payoff statement, So I believe that the {$870.00} is unaccounted for and is owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25 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: LA

Complaint narrative:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.

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 2021-05-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My free eChecking Bank of America account was converted to regular checking account without my permission. And when I tried to login into my account after while I found out that my account was force closed because they had taken all the money in maintenance fees and there was no money left. 
This is a plain robbery. I was sent no written communications and any phone calls informing me of 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 monetary relief
Consumer complaint received 2021-05-25 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: CA

Complaint narrative:
There are many many many accounts that are not mine I have not opened these or used or approved these I need help since the bureaus and the furnishers do not answer any of my emails letters or calls. This is identity theft. 

XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$330.00} XXXX XXXXXXXX BANK USA N -Acct # XXXX Opened XX/XX/XXXX Amt {$2100.00} XXXX XXXX BANK USA N - Acct # XXXX Opened XX/XX/XXXX Amt {$0.00} XXXX BANK XXXX XXXX Acct # XXXX Opened XXXX XXXX, XXXX Amt {$3500.00} XXXX  - Acct # XXXX Opened XX/XX/XXXX Amt {$600.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amt {$3700.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$9600.00}

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