vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I thought I was paying for goods and services from the XXXX XXXX XXXX. I immediately realized I had been scammed over the phone and tried calling Suntrust ( Truist ) bank to cancel the XXXX transaction. I was on hold and couldnt get through so I drove directly to the bank. They told me I couldnt handle it there and to call the XXXX number and gave me the number to customer service. I explained I wanted my account either frozen or shut down as I didnt want this transaction going through. They said I had to call the customer service line. I explained the time may run out that i have already been trying to get through so this is why i came directly to the bank. I called immediately again but they seem to be short staffed so I was put on hold. After XXXX on hold I drove to another Suntrust ( Truist ) bank trying to get immediate help for canceling the transaction. In that bank I remained on hold and the suntrust employee and I sat in her office as she also tried calling. After she was on hold too for XXXX she told me the pending transaction went through even though it still said pending in my account. I was still on hold with my phone still and she told me to stay on hold and speak with the fraud/claims Dept for a possible refund since it still showed pending. After being in hold for XXXX someone picked up and transferred me again. It wasnt until XXXX of being on the phone that someone picked up and told me the transaction went through and it was too late even though it still was showing pending. I explained that if I hadnt been sent to 2different banks, been on hold XXXX for this phone call and almost XXXX prior, and also tried calling right after it happened which wasted an extra hour of being on hold again I wouldve been able to cancel it in time. I never received the services I thought I was paying for. It was a scam and because it took me close to XXXX to get someone on the phone to cancel the transaction, they say it cant be cancel and I lost the money. I feel this isnt right and I shouldve been protected. If I had access to actually speak to some right away, it wouldve been canceled in time. Again it still hasnt been resolved because they wanted to transfer again back to the claims dept. They bounced me around on the phone for XXXX and bcuz XXXX couldnt speak to anyone, I missed the transaction time frame period. Although it was a scam I was under the assumption that it was service via XXXX ( XXXX XXXXXXXX XXXX XXXXXXXX ) and they were threatening to cut my electric within the hour. Please help me rightfully get my refund from Truist Bank.

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 2022-01-19 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: VA

Complaint narrative:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

1. Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX AR XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: MA

Complaint narrative:
I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.

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 2022-01-19 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:
I finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.

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 2022-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
Hello, my name is XXXX XXXX. I am reaching out regarding the ridiculous credit denial that I have just been through. Last week I applied for a {$7000.00} loan through first Hawaiian bank to be forwarded from my friend as I am taking over his car. This loan already has a down payment and has already mostly been paid off. I have A max of {$1400.00} in debt which is being paid off as we speak because that amount is negligible. Aside from that I have spent the last year building my credit upwards of XXXX points from the XXXX that it was last year at this time. I have proof that my three credit scores prior to applying for this loan or XXXX, XXXX, and XXXX. Since applying my credit score has dropped XXXX points, XXXX points, and XXXX points respectively. The bank is then telling me that my credit score is not sufficient to support a measly {$7000.00} loan. They are basing their denial off of the credit scores that I now have after their inquiry. This is very unethical and I am very unhappy. I can have this loan paid off in seven months but we applied this loan over the course of two years because that is the current life of the loan and I decided to keep it that way. I have never seen a bank deny a loan to someone with good credit because they are using the post inquiry scores. Please look into this matter on my behalf I am happy to provide any information needed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since roughly XX/XX/2021 I had someone fraudulently using my card that stole my identity and attempted to change payment method of how the card was paid for and maxed the card out and made multiple payments that went through and kept using the card and all the payments got reversed. I was on vacation and dont monitor the card too much as I always had it on autopay. Would review every 90 days or so to review charges. Upon reviewing I discovered a major problem on both of my XXXX cards. My XXXX card and my XXXX. If you look at my history I have always made my payments. I believe along time ago their may have been a missed payment cause I switched banks and autopay didnt work properly but I have great credit and good standing with XXXX outside that. I attempted to call them to resolve and they said that there is nothing they are going to do. I escalated it up as high as allowed and they said they would not help me and that I owe the balance. This is not credit protection and they in no way shape or form attempted to help resolve the situation. I called several times back to make sure I just didnt get someone that didnt know what they were doing and they tell me the same thing. I have been a long time XXXX customer for close to 10 years or more and always had good standing with them. I am a victim of fraud and identity theft and they acted like they didnt care. I need this investigated cause alot of money has been charged against me that I had no control over and I cant get any cooperation or protection to solve this. I hope you will be able to get to the bottom of this. I have filed every identity XXXX XXXX I can but this is so wrong and I cant believe after so many years of loyalty and business with them that this is how I am treated or is how they think this is ok as to how it should be resolved. I am going to hire an attorney next if they dont resolve this promptly. Thank you for all and any help you can assist me with in this matter. XXXX bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
the bankruptcy that i filed back in 2012 is still on my credit file and should be removed because its been 10 years since it was added. experian has kept it on my file without having all the proper info to have it there. nexis lexus is not where your suppose to go to verify something, which they have been doing.

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 2022-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I purchased window decals from XXXX for the amount of {$210.00}. When I received the decals they were not the way that I ordered them, I ordered them inside window ( I have attached an email that I sent to their design team to that effect ) I am not able to use them because they were sent as standard ( outside window ). That means I would have to place them on the outside of my window and they could be easily taken down by anyone walking by my office window. In front of my office is a bus stop where people stand waiting for the City bus. I would not order window decals for outside windows. I tried to fix the problem with XXXX but they have been uncooperative. I asked to have the decals redone. It was difficult to contact XXXX by phone so communicate was done via email. The Representatives werent helpful and really wasnt interested in resolving the problem. XXXX have my money and I have an unusable product. I have since been informed by XXXX that it is too late to replace the signs. Thanks to Capital One, XXXX has my money and I have nothing usable. 

They are not giving any consideration to the complaints sent by CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-19 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I was checking on my credit report and came across this error listed on my credit. 

XXXX continental finance  XX/XX/2020 is showing on my credit report and Ive never taken anything out from this company. 
Please review and remove from my account. Thank you

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 2022-01-19 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: AL

Complaint narrative:
I have been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.

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 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a mortgage that is serviced by Mr. Cooper. Taxes and insurance are escrowed, so Mr. Cooper collects funds from me on a monthly basis to pay those items when they are due. Mr. Cooper failed to timely pay my XXXX XXXX, Montana tax bill of {$1600.00}, due XXXX. As a result, XXXX XXXX imposed a penalty of {$32.00} and interest accrued on the amount due until Mr. Cooper paid the full tax, with penalty. Mr. Cooper paid the full amount on or about XXXX, resulting in accrued interest of {$6.00}. Accordingly, the total amount in late charges from XXXX XXXX to my account -- due to Mr. Cooper 's late payment -- is {$38.00}. And the total " new '' payment amount for my taxes was {$1600.00}. Rather than pay this late penalty themselves, Mr. Cooper extracted it from my escrow account without notifying me. 

I contacted Mr. Cooper on XXXX, and requested that they reimburse me for the penalty/interest from their late payment of my taxes. Mr. Cooper said that they would remedy the error and repay me the {$39.00} in funds into my escrow account. On XXXX, Mr. Cooper called to inform me that they did not believe that the {$38.00} increase was due to penalty/interest -- despite the fact that this information is available on the XXXX XXXX website .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed multiple addresses and other false or in accurate information on my credit report With XXXX to the point where they won't let me file a dispute using the app anymore on those particular items. A caption that comes up every time It says a certain account is still reporting but if I tell them it isn't my account then why are they even letting it report? I did some disputes for XXXX & Equifax through the mail and both same results no luck with any of it. There is a lot of errors and inaccurate information on my credit report which is a total violation of the FCRP act. So I sent in a personal information update letter with my Current Personal Information. All was done was the added my new information with the inaccurate information that I've been trying to get off for the last 3 years or more. I filed a Identity Theft report and they still haven't removed any of the fraud or inaccuracies off my credit report and they fail to physically verify them also and will not delete them. Which is also a violation FCRP Act. They have no regard for the individuals whose information they make money off even if its wrong and it does slander the individual whose name is on the Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I have one 90 day late payment on this account which makes no sense because I have had a positive history. This remark is hurting my payment history and ability to purchase a home. Each time I dispute they say it is verified or updated with no explanation or proof on how the information was verified. I have also wrote XXXX and they never replied. I want this removed off my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I got a XXXX XXXXt from XXXX XXXX in XXXX Georgia. On XX/XX/2021, I received a check to cover the costs from my insurance company. On XX/XX/2021 I received a letter from the lab with instructions to send the check to the to the lab for payment. The bill was payed by credit card over the phone on the XX/XX/2021 when the letter notifying arrived in my mail box. On XX/XX/2021, Midwest Fidelity Service started calling me almost everyday. They have not sent me anything informing me of this debt and they insist that I prove to them that I do not owe the debt. Midwest Fidelity Service is trying to collect a debt that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Citi AAdvantage Executive World Elite Mastercard at a Citibank branch on XX/XX/XXXX and the application was denied. Days later I received the letter and the reason it's as follow : " We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you '' The reason my application was deny it's vague and doesn't say specifics when The Equal Credit Opportunity Act provides that all consumers should have an equal chance to obtain credit. It requires the creditor to explain their reasoning when denying a credit application. 

As well as the Act requires that the creditor provide the denied applicant with a notice that explains exactly why the application was rejected. The Act also requires that the denied applicant has the opportunity to request an explanation if they ask within 60 days. 
Onviously the card I receive has no valuable information and none was provided by me when I called some different departments at CitiBank.

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
This bill was from XXXX & XXXX  from years ago. I have rectify this bull on multiple occasion with XXXX XXXX XXXX where I called them and explained and spoke to them about how the debt is resolved through my trade in. 
This has already been attempted to be collected from a previous company and failed to do so because the debt isnt owed to them. I have resolved this and XXXX XXXX XXXX  acknowledges the debt as not being owed by me as they have already forfeited on claiming that I owe it. Now due to the previous company not being able to resolve it and has now sold the debt to possibly a new company which is ruining my credit from a paid and already resolved issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX website that my property tax ( {$4700.00} due XX/XX/XXXX ) had not been paid by my lender ( LoanDepot ) from my escrow account. I contacted the lender multiple times and informed them there was now a late fee of {$470.00} assessed due to their error. I was told they wired funds but the tax collector said they did not. They also said that if they did send the payment- it would be returned if it didnt include the late payment. I wrote a letter or error and sent it certified mail. It has been 12 days and I havent received any response. 

I now see that LoanDepot is increasing our payment by {$500.00} a month for the next year. They state my taxes have gone up {$55.00} a month ( which is approximately the amount of the late fee assessed ) and that there is an escrow shortage ( for some u known reason ). We cant afford an additional {$500.00} a month- especially for their error! Every time I try and chat or call- they disconnect it when I bring up the late fee/their error. I was told to send them a tax sale letter if tax assessor sends me one. I do not feel comfortable with any of this and am fearful their error will cause us to lose our XXXXe.

Company response to consumer: Closed with explanation