vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am reporting information on my credit report. I have not written Capital One or Gardner White under consumer Law to furnish information on my credit report. I understand my consumer laws which are in place to protect any consumer from credit reporting furnishing. I have not provided or given written permission or consent to both companies to report on my credit report, I Have not received any written notice from all 3 creditors in their asking permission to report information on my credit report. I understand this is a consumer law. I would like this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I opened an online CitiBank XXXX account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for {$1000.00} and another for {$10000.00} for a total of {$11000.00}. The life of the account literally only had those two transactions.

After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned. 
After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number ( XXXX ) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information case # XXXX. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around?

My concerns with all this are : I really dont know if Ill get my funds back.

The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers ( including myself ). 
If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue. 
There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed? 
With the state of the banking industry incredibly surprised, any bank would act in this fashion considering I was depositing funds into the account.

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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchants Credit Association has not properly informed me of debt owed, documentation of debt, or right to dispute debt. I received phone calls from Merchants Credit Association beginning on XX/XX/2023. I did not receive any voicemails, nor did I receive any written or email correspondence about debt owed. After several missed calls over several days, I gave Merchants Credit Association a call back on XX/XX/2023 and requested that they send me documentation in writing to my current address. I have not yet received this documentation. They tried to pressure me on the recorded phone line to say how I was going to pay the debt without providing me any information on the debt. 

As it turns out, I need to dispute the debt because I do not owe the debt. I was never informed of the amount owed that XXXX XXXX has claimed that I owed them and I was not given proper notice via any form of correspondence other than my student email address, which I did not use at the time as I was not taking courses there. I have submitted a petition through XXXX XXXX to have the erroneous charges dismissed.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account and am therefore requesting that this late payment be removed from my account. This is not acceptable as I have been working hard to ensure that my payments are made on time each month. Please see the attached documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP

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 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: OH

Complaint narrative:
My servicer, Midland Mortgage has approved me for a loan modification to bring my loan current. Midland has set an auction sale date on XXXX that starts on XX/XX/23 and ends on XX/XX/23. The first set of loan modification documents that I sent back to Midland, they said the notary made a mistake on the documents and they had to mail a new set out. The law firm that represents me in the foreclosure case has repeatedly reached out to Midland 's attorney to cancel the sale as there is a resolution to the issue that I have agreed that I am accepting. Midland 's attorney stated that Midland will not cancel the sale until they received the completed loan modification documents back and they are finalized. That is completely unacceptable as I still have not received the new set of loan modification documents they want me to complete as well as the law firm that represents me said they have never seen a servicer take this stance in all of the years they have been handling mortgage foreclosures when a resolution has been reached. The law firm has filed a motion with the court to withdraw the sale, but I am asking the CFPB to intervene as this is not right. I appreciate your assistance in getting them to cancel the sale. Thanks

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 2023-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm is reporting my installment loan as 30 Days late when I do not recall ever being late on this account with loan number XXXX. 

Furthermore they are charging 26.36 % APR. Per Florida Stature 687.07 Usury is the charging of interest on loans at a rate that is higher than is permitted by state law. In Florida, the maximum permissible interest rate is 18 % per annum. If a lender charges interest at a higher rate than 18 % computed on an annual basis, the lender is subject to civil penalties that include forfeiture of the interest, both already paid and remaining to be paid.The lender can recover only the principal loaned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Flagstar Bank regarding their irresponsible handling of my escrow mortgage account. Specifically, I would like to bring to your attention the bank 's poor management of funds and the unfair financial burden they have placed on me. 

On XX/XX/2023, Flagstar Bank dispersed funds for taxes in the total amount of {$3300.00} from my escrow account. However, they failed to properly plan for the future, leaving my escrow account completely empty after the disbursement. Then, on XX/XX/2023, the bank charged me {$2500.00} for an escrow analysis, despite knowing my account was empty. To make matters worse, Flagstar Bank is now seeking reimbursement for this fee by increasing my mortgage payment by {$200.00}, which is an unfair financial burden for me. 

I have already spoken to several supervisors at Flagstar Bank, but none of them were willing to help resolve this issue. The bank 's actions have left me frustrated and financially vulnerable, and I believe their behavior is unacceptable. 

While I understand that my homeowner 's insurance increased from {$750.00} to {$870.00}, I believe that the increase of {$22.00} per month in my escrow payment is reasonable and logical, as it is a result of the increased property tax rates in my area. However, I do not believe that I should be responsible for reimbursing Flagstar Bank for its poor planning and the unnecessary escrow analysis fee. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NJ

Complaint narrative:
I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.

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 2023-05-02 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: NJ

Complaint narrative:
I noticed that they are reporting late Payments on accounts that were never late which violates my consumer rights For reporting Fraudulent information XXXX XXXX Remove Inaccurate Credit Information In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. 
By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as agreed, never late ) and supply a corrected credit profile to any creditors who have requested a copy of my report in the last six months receipt of this letter, or you must remove the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
as of XX/XX/XXXX, I have noticed a fraudulent account Account name, credit acceptance, Corp. 
Account number XXXX Date opened XX/XX/XXXX Date closed- Balance XXXX Account status open past due XXXX as of XX/XX/XXXX Last payment date XX/XX/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 2023-05-02 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: PA

Complaint narrative:
I am resubmitting this dispute. I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I am verifying that this is me who is disputing these items. I need this removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I got robbed on XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, Virginia for {$4600.00} and a loan for $ XXXX money transfer via phone. XXXX XXXX XXXX is the person who took the money. Navy Federal Credit Union is the bank. I went to them the same day and did a fraud report and told me that there was nothing they could do. I need the money back. Navy fed locked me out of my account online and said I cant get online access until XX/XX/2024. Only can access the money by going to the bank. Had to go in the negative because my bills. Took all of my reserve money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
This is my second complaint with Chime XXXX XXXX XXXX my account was close with Chime without any reason, funds are being held. I have asked multiple time why its was closed, I was told there wasnt a reason. I finally received a response and they said a 3 checks will be mailed out. I received one check XX/XX/XXXX I was unable to cash this check due to insufficient funds. Ive contacted chime multiple time through phone and email, no response. XX/XX/XXXX i talked to someone and was told money was being took out of my account and put back in multiple time. I asked why they said they have limited info to share. I asked them quantity they send my an email explaining what going on Chime said no and hung up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Nu 1 ), has violated several of my rights 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy, 18 U.S.0 1681 Section 604 A Section 2 : It also atatos a consumer reporting agenc can not furnish an account without my written instructions 15 U.S.C 16668 : A croditor may not treat a payment on a credit card account unde open-end consumer credit plan as late for any purpose Remove these late payment and update thie account immedialaly as you are in dies Violation of several laws under The Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: ND

Complaint narrative:
Hello, today ( XX/XX/ ) I downloaded XXXX XXXX, this analyzes your banking payments to improve credit ratings. Well it populated at payment from XX/XX/ made to XXXX XXXX XXXX For the amount of {$490.00}. I do not have this as a utility bill, Nor was this an authorized payment that I willingly know of. I recently have applied on line for new car loans and do not know if this could have anything to do with how they could have accessed my account. I did report this to my banking institution ( Citibank ) also ( XX/XX/ as fraudulent. And do have a new debit card being ordered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: IL

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
1st Call - XXXX XXXX XXXX I got a text message saying a package was returned with a phone number to call, I called and spoke to " XXXX ''. She questioned whether I could tell when a text message was sent to me, she then proceeded to ignore me for about 60 seconds as I asked questions then come back talk over me, and ignore me for another 5 minutes, after that. 

2nd Call - XXXX XXXX XXXX Second I spoke to " XXXX '', who verified my information and then transferred me to " XXXX '' who was very rude, he decided I need to be verified again to put in a simple report against an agent. He then lied and said he didn't have any of my information. When I questioned that I had been verified by XXXX, literally standard procedure for your reps before transferring a call to a supervisor, and had entered my credit card number into your robo system he relented he lied and did have my info but wanted to verify me. So I told him I wasn't confident he was a Citi rep and that he should do an alternate verification method and asked him to text me a code to verify. He said " no '', we had to do it his way only, and that if I didn't he would hang up on me. I told him ok then hang up on me and I would write this report to the CFPB, OCC, FDIC, and Federal Reserve, and he said thank you for giving me permission to hang up on you and then he did. 

3rd Call - XXXXXXXX XXXX XXXX XXXX Then I called again and spoke to " XXXX '' who verified me, and when I asked for a supervisor she literally just hung up on me, no warning, no talking literally just ended the call as soon as I mentioned CFPB, FDIC, Federal Reserve, and OCC 4th Call - XXXX XXXX XXXX XXXXXXXX XXXX I called " XXXX ''??? who refused to identify herself, this is the 4th agent who has made it impossible to get anything done by my financial institution... She had people talking loudly in the background and told me my phone was the problem, the one I had just spoken to 3 other agents on. I proceeded to explain to her the situation and for her to just give me her name and let me talk to a supervisor and she started on some nonsense to avoid giving her name. 


Call # 5 I can not receive FedEx packages, in the interest of my best financial benefits, it is Citi and Citi Banks Fiduciary Duty to note to never send me XXXX packages as they WILL NOT be received, and the evidence of this is the returned package that has had me spending XXXX minutes on the phone with your agents and seems to be yet still unresolved.

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