vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
I am writing to formally submit a complaint against First Citizens Bank regarding predatory lending practices that have put me in a financially devastating situation. I obtained a {$18000.00} loan for a chip trailer from First Citizens Bank. Despite diligently making payments for two years, I recently discovered that my loan balance has inexplicably increased exponentially and they offered to sell it back to me for the original loan amount two years later.

The bank claims that I owe inexplicable fees and they continue to add late fees on top of this amount. Shockingly, none of my payments have been applied to the loan 's principal. I have asked the bank for a traditional loan, but instead, I am now facing what appears to be fraudulent and predatory loan terms. The bank is
threatening to repossess the truck, which is essential to my business, thereby further jeopardizing my financial stability.

This situation has caused me significant emotional distress and financial strain, and I believe that First Citizens Bank 's practices may violate federal laws protecting consumers from unfair and deceptive lending practices. I respectfully request the CFPB 's intervention to investigate this matter and hold First Citizens Bank accountable for any violations.

Please advise on any further information you may require to process this complaint. I appreciate your immediate attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I got hurt at work and was out of work for a while. While I applied for worker 's comp and XXXX, it took a while to get approved. Given I was granted a modification with PHH mortgage, I was still waiting to get approve for XXXX. I was able to make the first payment, but default ed on the XXXX payment, due to the start of my XXXX payments.When When my relationship XXXX called me on XX/XX/year> I explained to her what transpired. She stated there is nothing to be done, because the foreclosure is in process. My XXXX has finally been approved, and payments are being deposited to my checking account. I reached out to PHH on XXXX to see where the process is with the foreclosure, and if I can try the modification XXXX last time. I also explained to him that the I now has XXXX payments deposited every XXXX weeks, and I will be able to do the modification with defaulting. I don't want to lose my home, especially since it is my primary residence. I thought these companies work with consumers to keep them in their homes?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: HI

Complaint narrative:
We entered into a contract to sale our home through the assumption process on XX/XX/year>. The lender has significantly delayed this process by not providing the assumers with all the requirements at the beginning and has been asking for additional documents from them every week over the last XXXX months. While they have XXXX business day to process the completed application ( re - Circular XXXX ), the delay caused by them not initially asking for all the required documents is causing a significant financial burden as we XXXX in early XXXX and are now paying rent, a mortgage, as well as utilities and insurance for XXXX properties. While they are within their processing window due to the signifier of " complete '' in the circular, our hope is this behavior will be noted and addressed.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On the XX/XX/XXXX the amount of XXXX was sent from my XXXX XXXX account to a lawyers office account at TD BANK. The recipient responded via email that TD BANK refused the transaction and that the funds would be returned. 

XX/XX/XXXX I made a reacall of the funds via XXXX XXXX XXXX department. I have confirmation of the recall. 

XX/XX/XXXX The lawyers office sent me the information of his financial service rep at TD BANK to contact him because he was not getting through in the return of funds. 

XX/XX/XXXX The financial service rep contacted me and said he was not at liberty to discuss anything about the client with a third party. 

XX/XX/XXXX The recipient said that the funds would be returned within XXXX to XXXX business days. 

XXXX Via XXXX 's TD BANK DM I escalated this transaction and was told they would contact me in 3 days XXXX The recipient contacted me saying he will send a letter to TD BANK threatning legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my report there is positive accounts on there that is paid on time. There is also fraudulent accounts that is in collections. I am asking that these accounts be erased from my report. I never gave any authorization to anyone to open any accounts, I have repos and other fraudulent accounts that i never authorized.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: CA

Complaint narrative:
JEFFERSON CAPITAL LLC XXXX XXXX XXXX. 
XXXX XXXX. MN XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA XXXX Dear Jefferson Capital, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter. 



Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
I have tried since 2022 to get this fixed ns the issue worsten I was requesting to get an account removed but since I talked to these agencies my life has gone to XXXX, after I called I started to get harrasing calls mail and other information stating I oed them monry I explained over the phone and written that it was not me however they said accurate I need help you are my last hope!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
My identity was in a data breach With XXXX and XXXX, There are XXXX Fraudulent Credit Card accounts opened without my consent or acknowledgment With Navy Federal Credit Union With a balance of {$3300.00} charged off, XXXX XXXX XXXX  With a balance of {$2400.00} Charged off, And XXXX XXXX XXXX With a balance of {$920.00} charged off and XXXX inquiries that were not made by me from Navy FCU, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have reached out directly to Wells Fargo via certified mail to disputed some inaccurate items being furnished on my consumer report ( XXXX and XXXX. I have allowed the furnisher 30 days to do an investigation and respond to my disputes. So according to 15 USC 1681 s2 unverifiable inaccurate or incomplete information must be removed from my consumer report in accordance to 15 USC 1681 i ( 5 ). This company did not respond to me within 30 days therefore, this means the information is not verifiable. I demand this account be removed from my consumer report for reporting inaccurate information. Please see the attached documents

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. 

XXXX XXXX XX/XX/year>. 

XXXX XXXX XXXX XX/XX/year>.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was a victim of credit card fraud. My CitiBank XXXX card was compromised beginning in XXXX of XXXX. After many conversations with Citi XXXX department I was assured that my complaint was being investigated and would receive documentation confirming so. In the meantime I continued receiving alerts of charges that were not made by myself and were not authorized by me. After repeatedly notifying CitiBank there action was to close the account and reissue a new card, and send that new card to an address that I was not associated with. Fraudulent charges continued to be made on my behalf, using my identity. Now after many, many months and many misunderstandings ( constantly speaking with Citi representatives who lacked comprehension of my statements/complaints ), the case itself has been resolved in my favor. The problem is I have not received documentation stating this! And I have since found out that CitiBank was continuing to send correspondence to the fraudulent perpetrators address. 
In addition to the theft of my identity ( SS # ), my credit rating still suffers because CitiBank is not properly notifying the Credit Agencies of the resolution, etc.

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 2024-09-09 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I recently reviewed my consumer credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments and Ive attached a copy of my reports to this complaint on the following dates ( XXXX XXXX XX/XX/year>, XX/XX/year> ). These CAN NOT be reporting accurately because the account was CLOSED in XX/XX/year> and my status was CLOSED/NEVER LATE. This can be verified on my XXXX report which I have attached to this complaint. So my account can not have been reporting as late if it was already closed, which makes this CLEARLY INACCURATE REPORTING. I demand these payments immediately be updated to PAID/CLOSED NEVER LATE just like it shows in my XXXX 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My account on Robinhood was restricted on XX/XX/XXXX, right when I deposited a decent amount of money to Robinhood. It has been a week and I tried contacting support twice over the phone about my case, and all they said was to wait for someone to review my account. I have about XXXX locked up in my Robinhood account, and I'm unable to do anything with it. I also have a credit card with this company and ever since my account was restricted, I'm unable to use it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disappointed about the fact that I have initiated so many attempts to try and reach out your company about this concern- which none has been resolved so far. I don't know if this is intentionally ignored, but I am more down than I have been the past years because of these inaccuracies affecting my credit scores.

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 2024-09-09 00:00:00
Product: Credit reporting 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:
My identity has been stolen and i was able to make a police report on it. i never noticed the following accounts being listed on my report until it was time for me to go ahead and purchase something in my name, I noticed there were 4 repos meaning four vechile were in my name without my knowledge and the lenders that actually approve the suspect to even get the vehicle in my name without my consent or more secuirty information is unhinged. theres accounts reporting in my name that I am not aware of opening.

Company response to consumer: Closed with non-monetary relief