vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
I called all reporting credit bureaus Experian, XXXX, & XXXX all 3 bureaus advised to speak to the creditors and did not offer any other assistance.

Experian has a total of 16 inquires they are listed with name and date of inquiry 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
According to the IRS, Citibank reported that they sent me a 1099C for {$19000.00}. I did not receive any such funds in XXXX. I have had three citibank accounts ; one that was charged off over 7 years ago ; for which I was a victim of identity theft. The second account is an open mastercard is good standing ; and the third was a mortgage which was paid in full. I have filed identity theft reports, written letters and called citibank regarding the charged off account to no avail. They were trying to get me to settle with a third party company for which I contact the credit bureau to share identity theft form and report as per Fair Credit Act the debt they were referring to was over 7 years old. On XXXX XXXX XXXX XXXX, I received a letter from the IRS saying I did not report income I received from citibank in XXXX, and now the IRS is charging me also {$7000.00}.

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
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
I want to express my complete displeasure with the closing process that resulted in an increase in my closing cost by nearly XXXX XXXX on the day of closing XXXX In the final weeks of closing UWM underwriters requested updates to credit that resulted in multiple hard pulls of the credit. The multiple credit pulls dropped my score below a conventional loan score and changed the terms of the closing cost as well as the type of loan I qualified for with no warning. The UWM underwriters instituted a series of delay tactics that prevented me from closing on time that also resulted in a change in closing terms as well. All in all UWM took various steps that resulted in more out of pocket expenses on my part as well as enriching my loan for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: CA

Complaint narrative:
Trans Union LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my XXXX, XXXX, or TransUnion credit report, and I noticed some closed collection accounts posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards,

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 2023-08-28 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: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Violation of 15 U.S. Code 1681 ( a ) ( 4 ) It is a fact that, in accordance with 15 U.S. Code 1681 ( a ) ( 4 ), the affiant is a consumer who has a right to privacy. By disclosing my personal information without obtaining my explicit written consent or following legal procedure, PORTFOLIO RECOVERY ASSOCIATES breached my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

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 2023-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and 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 2023-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I am employed ( two jobs, each XXXX XXXX  ) by XXXX XXXX XXXX XXXX and thus my federal student loans qualify for Public Student Loan Forgiveness. I hit XXXX qualified payments ( toward PSLF ) at the end of XXXX. I sent in two employment certification forms this year, which showed my qualified payment counts are higher than XXXX. Mohela ( student loan servicer ) told me that my loans were sent " direct to discharge '' to Federal Student Aid at end of XXXX however this year they have not yet been forgiven/discharged. I have called Mohela several times and they can not tell me a timeline of how long to wait, nor review if my information was sent and communicate with FSA on what the hold up is. I have also filed a complaint with FSA on XX/XX/XXXX and this is still pending ( though originally I was told I would get a reply within 15 days ). I can not get an answer from anyone to check if my loan information was correctly shared to FSA from Mohela, and what the hold up is. I did have some other loans that were forgiven via PSLF this XXXX, but the majority are still being held up even though these have more qualified payment counts!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-28 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My stundent loan balance is not {$170000.00}. Some of it was discharged recently and down to about {$100000.00}

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 non-monetary relief
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I am writing to delete the following information from my file. The items I need deleted are limited in the report. I am a victim of identity theft. and did not make the charge. I'm trying to get a new car and these items won't get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible Fraudulent Accounts : PNC BANK XXXXXXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4400.00} XXXX XXXXXXXX XX/XX/XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/23 - Opened new account with Citibank XX/XX/23 - Received confirmation of transfer request from Citibank email ; transfer was in the amount of {$10000.00} from XXXX XXXX  Savings to CitiChecking. Status noted " in process '' XX/XX/23 - Funds totaling {$10000.00} left my XXXX XXXX  account XX/XX/23 - Received email from " Your Citi account will be closed ''. Email noted that " based on recent review of your REGULAR CHECKING ACCOUNT, we found that you have violated the terms of your account per the client manual. As a result, your REGULAR CHECKING account and any other Citi accounts will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. '' Upon receiving email, I called to get additional information from Citi. According to the person I spoke to, they were unable to provide details of the account closure, reasons for the closure, or confirm the amount in the account when it was closed. I was told that Citi had 60 days to return " any remaining '' funds to me. 
XX/XX/23 - Upon the lapse of 60 days from my account opening, I filed a complaint with Citi Executive Response Unit ( " CERU '' ). On XX/XX/23 I received a call from " XXXX '' in CERU who informed me that Citi cancelled the {$10000.00} transfer, and XXXX should have the funds. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - XXXX  provided the Trace number in which {$10000.00} left Bank and arrived at Citi. I called CERU, spoke to XXXX, provided the Trace number, and was informed that new complaint would have to be opened. 
XX/XX/23 - CERU called back, and XXXX informed me that I needed to call Citi 's fraud department at XXXX, select option XXXX. I would need to provide XXXX XXXX  statements to Citi 's fraud department to prove that the funds had left my account. He closed the complaint, despite the complaint being unresolved. 
XX/XX/23 - Per XXXX XXXX instructions, I called the Citi fraud department, who said they don't have the ability to receive emails. Fraud requested that I visit a branch. After I informed the Citi fraud agent there are no Citi branches in Texas, they instructed me to file a claim with XXXX XXXX. 
XX/XX/23 - Called CERU to request a call back, as the instructions given for resolution are not possible per the fraud department.

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 2023-08-28 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: IL

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Resurgent Capital Services LP for their willful violation of my consumer rights and predatory collection practices. I am deeply concerned about their conduct in attempting to collect on an unverified debt, despite my multiple attempts to verify the alleged debt. This harassment has not only caused me undue stress but also constitutes a clear breach of the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

The details of the violation are as follows : Collection Agency : Resurgent Capital Services LP Address : XXXX XXXX XXXX, XXXX, MI XXXX Timeline of Events : 1. XX/XX/2023 : I received a communication from Resurgent Capital Services LP regarding an alleged debt that I have no recollection of. Recognizing my rights under the FCRA, I immediately requested verification of the debt in writing.

2. XX/XX/2023 : I received an account summary from Resurgent Capital Services LP which did not produce a legally binding agreement ( in the form of any original contract ) or documentation confirming that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. Once again I requested, I followed up with a second verification request, once again adhering to the formal written communication method.

3. XX/XX/2023 : To my dismay, I received the same account summary itemizing the alleged debt that does not constitute as a legally binding proof of ownership of said debt and does not constitute authorization that Resurgent Capital Services LP is permitted to collect debts within the state of Maryland. I submitted written notice that the companydid not provide valid verification for the alleged debt within the 30-day timeframe as required by current FCRA laws and any additional attempts to collect on said alleged debt is a direct and willful violation of my consumer rights 4. XX/XX/2023 : Since then, I have continued to be harassed by Resurgent Capital Services LP with aggressive correspondence, demanding payment for a debt that remains unverified.

This situation is deeply distressing, as it not only negatively impacts my mental and emotional well-being but also points towards a deliberate disregard for my consumer rights. The actions of Resurgent Capital Services LP are in direct violation of the FCRA, which explicitly outlines the requirements for debt verification and the consequences of non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have had a Coinbase account since XX/XX/2021. I deposited {$6000.00} into it and used it to buy XXXX, a cryptocurrency. I have been locked out of my account for over a year. Each time I go through the automated steps to get access, it asks me to wait several days, then fails. I am threatened that if I contact live customer service, my request to access my account will surely be delayed by " several weeks. '' Bottom line, I want my money out and can not get it, and I suspect this is deliberate on the part of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
On or about XX/XX/2023, my wife and I opened up a new savings account and a CD with our existing bank ( Capital One ). For reasons that are unclear to us, Capital One froze our existing accounts but we were not made aware of that immediately. The information we did receive indicated that the accounts were frozen because of suspicious activity, but that activity was simply the opening up of our accounts through their process on their own website. 

Because the accounts were frozen without our approval or knowledge, some of our bills that were set up through autopay out of our checking account were denied. After about 3 days, we discovered the issue and resolved the bank 's mistake on XX/XX/2023. However, in the intervening time there were two bills on which we received late fees ( {$45.00} from our water utility ; {$10.00} from a child care provider - documentation available ). 

I raised the issue of the late fees with Capital One. Their customer service said the only thing they could do is provide a letters saying that they suspended the account in error that I could use to try to get the late fees waived. A letter dated XX/XX/2023 from Capital One says that they placed a restriction on a savings account, but a ) does not mention the checking account from which the auto pay was affected ; and b ) does not acknowledge that I was not responsible for the error. 

In any case, this was solely the bank 's error which resulted in additional costs to me. I believe the appropriate remedy is not that I should have to seek out a waiver of the late fees, which I already had to pay, but that the bank should reimburse me for its mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account. 

The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}. 

I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation