vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received the email regarding my Citi bank Checking account closure on XXXX In the letter said that my account will be closed next 60 days, and all funds belong me will be sent by check to my mailing address. I have funds on my account about {$16000.00}. After 60 days, I contacted couple times with number that provided on the letter to Citi Bank Froud department. They didn't provide any information. Only thing they said is, that they will contact to backoffice team and find out what is going on. They have never explain the reason of closure and they haven't sent my funds. At the date of writing this letter we already passed 5 months, and I still haven't received my funds.

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 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: KY

Complaint narrative:
For the second year in a row my mortgage company, XXXX XXXX repeatedly calculates my escrow incorrectly ( like off by several thousand dollars incorrectly ) and I have to contact them repeatedly, with all appropriate backup documentation, to try to get them to correct it. They are very difficult to work with. 

Last year it took close to six months to get our escrow corrected ( during which time not enough money was being put into our escrow from our mortgage payment ). They would repeatedly tell me that they would fix the issue, then the escrow department would insist the amount they had was correct. They had our estimated property taxes listed as {$130.00}, even though they paid upwards of $ XXXX the year before. I would repeatedly send them our bill and the listing of our property taxes on the county Sheriff 's office, and they wouldn't update the amount. 

This year, so far, I've sent them our XXXX property tax bill ( which they paid on our behalf last year so they have a copy of it ) four separate times to prove that they have our XXXX estimated property taxes listed incorrectly. This year they have my estimated property taxes listed as {$27.00} on a house we bought for around {$270000.00}, which is blatantly incorrect, on top of the fact that it doesn't match our property tax bill. 

They even, on their own documents, will indicate that they paid the correct amount the previous year, but their current year estimates are thousands of dollars off. The fact that it doesn't flag anything in their system that it's so incredibly off, and that I have to pester them for months on end to fix it is ridiculous. I shouldn't have to repeatedly tell them how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo services my mortgage, I like to keep a couple of payments ahead, so I am paying my mortgage a couple of months in advance. 

The other day, I received a bill from Wells Fargo that I was pass due on my loan, and owed late charges. I then called Wells Fargo and explained that not only was I not delinquent, but I was paid through XX/XX/XXXX. They then pulled up my account and noticed the payment I made on XX/XX/XXXX which clearly states on the check it is for the XX/XX/XXXX payment was posted by Wells Fargo as principal payment only. 
Thereby not posting my XX/XX/XXXX payment in full! Making it look like I never paid my XXXX bill. So I asked them to repost that XXXX payment correctly and bring my account up to date through XX/XX/XXXX, and drop the late charges because my account was paid in full through XX/XX/XXXX. They declined, stating it happened more then 90 days ago, and it was Wells Fargo policy not to correct it, if it happened more then 90 days ago. They then said I would have to make a new XX/XX/XXXX payment in order to bring my account current. 
So I am end up having to make XXXX XX/XX/XXXX payments. 
I asked to speak to a manager, the first thing the Manager told me is she could not help me, because the mistake had been made more then 90 days ago, and it was Wells Fargo policy not to correct the mistake if it happened more then 90 days ago. 
I then asked how this mistake could happen, the check clearly stated in was a payment for XX/XX/XXXX, how could Wells Fargo post the entire check to principal, and not post it for the XXXX XXXX. She claimed it was the fault of their software, if you make to many payments in advance their software decides to post the payment to principal, and not post the payment as a regular payment. 
Once again, by making me make XXXX monthly payments on my account, to cover XXXX monthly payment puts financial distress on me, when this could have been corrected by going back and correcting the error made by Wells Fargo, and posting the payment correctly.

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 2024-01-25 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 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: NJ

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: VA

Complaint narrative:
Hello. 

My husband and I both have platinum credit cards through Elan Financial. In taking inventory of our debt, we realize that we have overextended ourselves and want to take care of this. We arent asking to not pay our bills. We expect to pay every XXXX we owe. My husband and I called to get the interest rates and payments lowered on both of our cards. Elan Financial took care of his, and then said I was eligible for the same program. The person helping us said that his computer was running slow, and that we needed to call back to get all the details arranged. I called back repeatedly. Elan Financial is now saying that I am not eligible for the hardship program. We have made the first payment on my husbands Elan card, and I am eager to make a payment and get started paying back the amount I owe. Multiple calls have resulted in no help. Today I called, and they again said to call back in a couple of weeks. What is wrong with these people? I have called several times and keep hearing the same thing. Keep calling back. In the meantime, I am sure they are reporting this to the credit bureau. Seriously the worst company ever to deal with.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is in regards to Capital One Venture X card. It's a travel credit card, with an annual fee of {$390.00}. One advertised feature is that rewards miles earned on the credit card can be transferred to travel partners, such as airlines or hotel chains. However, they utilize a multi-factor authentication method to prevent fraud which blocks many legitimate users from even getting to the screen where rewards miles can be transferred.

The user is asked for a phone number. The system then tries to bounce the phone number off of the cellular provider to see if the name and address matches. However, this method does not always work properly. I've had my card for about 3 weeks, and it does not work yet. In fact, it may not ever work for me because I acquired my cell phone plan through the organization I work for. I've talked to XXXX XXXX XXXX the cell phone company my organization contracts with, and they say there's nothing they can do at their end to make this validation go through. 

I've talked with Capital One twice about that matter. They keep saying that it's a known issue since this new system was put in place a few months ago. They say there's nothing they can do until their tech people figure it out. They also say that they can not transfer miles over the phone. 

Since this is an advertised feature of the card, it is unacceptable that their fraud prevention methods are blocking many legitimate users from taking advantage of this redemption method.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Johnson Mark LLC
State: OR

Complaint narrative:
So this account is from like 8 years ago and I had my wages garnished untiXXXX XXXX XXXX when XXXX XXXX XXXX XXXX  and will not be able to work most like ever Im currently applying for ssdi my XXXX is worsening. They served me papers again but this time its for way more than it was before and Ive already paid some back from garnishing Ive tried calling and left emails I hear nothing back Im trying to see if they can write this off but they refuse to answer their phone or return emails and when I talked to them nicely last time the lady was extremely rude and disrespectful company is Johnson mark XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: NY

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Card Receivables Fund Incorporated
State: NY

Complaint narrative:
Well they never attempted to validate the debt or send me anything stating they took the debt over now a sheriff showed up and slapped me with a complaint summons to the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: ME

Complaint narrative:
For XXXX my grandmother had given us both a gift card for {$100.00}. We went to several establishments to use the card to assure that the card was through you correctly I created the pin as directed. The card did not work out a few XXXX or XXXX. I called the number on the back of the card. They said they were adjusted and cleared of the errors that were apparently on the card which is weird since it was brand new and they use it again once again a few times, and a few locations the cardigan did not work at a pentatonic customer service customer service on XX/XX/2024. The XXXX said they were gon na send me a brand new card via XXXX XXXX and with my experience XXXX XXXX does not take XXXX to 30 days to get here. I called again they assured me it on its way to get them more time that was on XXXX  Ive had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: CA

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-25 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2024 i reached out to Experian to request that NON-MAILABLE addresses be removed from my credit report. The agent I spoke with was condescending and stated that it can not be removed even after I cited that these addresses are non-mailable.

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Discovering late payments on my account is entirely unjust, particularly when considering my consistent history of timely payments. I insist on the immediate correction of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States 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 furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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