vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
A MODIFICATION WAS PROCESSED BACK IN XXXX. WITH THE INITIALS I AM LOOKING AT ARE NOT MINDS OR MY WIFE. THE LETTERS LOOK LIKE A WHITEOUT FLUID WAS USED OR SOMETHING WAS ERASED, AND A LETTER WAS ADDED. I FEEL THAT THE NOTARY SHOULD HAVE MARKED IT A INCOMPLETE JOURNAL. IT REALLY LOOKS LIKE THE LETTERS WERE TRANSFERRED FROM ONE DOCUMENT TO ANOTHER TO MAKE IT LOOK AUTHENTIC. THE MODIFICATION CAUSED THE SUM OF {$30000.00} TO BE ADDED TO THE PRINCIPAL OF MY MORTGAGE WITH INTEREST. WE DID NOT SIGN THIS DOCUMENT BACK IN XXXX I DID NOT REQUEST FOR A MODIFICATION. I HAVE A DOCUMENT THAT SHOWS THAT AMOUNT WAS DEPOSITED IN ONE OF YOUR CLIENT 'S ACCOUNTS AS AN ASSET IN 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 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
On XX/XX/22, a direct money link transfer of {$10000.00} was made from my personal XXXX brokerage account into a Crypto.com account. This was done using exactly the methods of transfer requested by Crypto.com. Another direct transfer of account-to-account using the exact " seamless '' quick method advertised by Crypto.com was used to conduct a wire transfer of {$1000.00} to my Crypto.com account as well. It was advertised that by Crypto.com that using these methods would see the funds deposited in my account within 24hrs. This never happened. 
When Crypto.com was contacted about these transferred, which were confirmed accepted and completed by my institution, they claimed to have no record and requested multiple rounds of personal information including name, social security, personals bank account numbers, and personal banks statements. When these were provided, they stated that they did not have the correct information and thus could help. When I pointed out their own policy that any funds that do not make it into the designated account are to be returned to the sending institution within 7 to 11 business days, they directly contradicted this and stated they needed further personal financial information to confirm my identity and transaction. At this time, they claim they do not have any knowledge of these transfers or where the money may be and can not assist me further unless I divulge the entirety of my personal banking information to them. 

These requests and inability to conduct basic financial transactions concern me for fraud and theft by Crypto.com against myself and while I will likely not have this issue resolved, I wish to make a formal complaint and enter it against Crypto.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
Gas company wants me to pay XXXX for services that occurred after I sold the property. I called and let them know I was moving and they still send me bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
On XXXX I called Bank of Oklahoma 's Loss Mitigation department requesting a document to be filled out. The document is necessary to obtain mortgage assistance from my tribe. I was told to fax the document in and it would take 24-48 hours to get it back to me. I waited until XXXX and still hadn't received the document so I called again to check on it. This time I am told that it can take up to 30 days to process, which would significantly hurt my chances of receiving the assistance at all since it's funded on a first come first serve basis. This time I understand I need to be a bit more patient and I wait another week to make a call again ( XXXX ), and I am told that the document needs to be requested from the organization that needs it. This wasn't told to me the 1st time or the 2nd time I called, it seems I get a different answer every time I call so I requested to speak to the supervisor. Bank of Oklahoma states they can't forward me to a supervisor and doesn't give me any chance to resolve this issue. I kindly state to them that they are in violation of Federal Law. Real Estate Settlement Procedures 12 CFR Part 1024 section 1024.36. This law states that mortgage servicers must provide correct info on loans and they need to be ready to respond " promptly '' with requests for information. In addition, written response acknowledgement of information request within 5 days. Bank of Oklahoma has done neither of what is required of them and it has resulted in undue harm to my wife and I. My theory is that this a scheme to foreclose on my wife and I to the benefit of the bank. If foreclosed on, the bank would recover the property ( which has risen in value ), foreclosure fees, and it would allow them to invest that money into a mortgage with a higher interest rate. My wife and I are locked in at 3.25 percent interest and the going rate for mortgages is over 5 percent as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Today at XXXX, I received a phone call from an automated system with the number ( XXXX ) XXXX. It eventually connected me with a person who demanded I pay {$750.00} owed to XXXX XXXX XXXX. I know nothing of this debt. I have not received any bills and there are no claims via my XXXX XXXX website for this amount. I informed the man that I see nothing on my insurance portal and he told me it is my fault for not providing my insurance information and the debt has been owed for over a year. I informed him, if a debt is owed then bill my insurance and re-issue a bill because I have never received one for this company. He told me that he will not bill insurance since I received services over a year ago. I told him that I wont pay anything unless I know what it is and he then became more threatening saying that he will have to report this higher up that Im refusing to pay. I said fine and hung up. I think searched online for XXXX XXXX XXXX and found XXXX in XXXX XXXX close to my location. I attempted to call the number to get more details about the debt but the number is not in service. I believe this person was attempting to get me to pay money that I do not owe. Details for XXXX XXXX XXXX here> Address : XXXX XXXX XXXX # XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: WI

Complaint narrative:
Planet Home Lending LLC Mortgage Co, Received a Large Payment ( XXXX ) from XXXX XXXXXXXX XXXX on XXXX XXXX, My Mortgage Balance was {$51000.00} and now balance says {$36000.00}, this has to be a mistake on their part, my balance should read now between $ XXXX {$31000.00} owed. Also my name as XXXX XXXX XXXX is the Owner should read on my Loan, not my Ex-sponse whom I divorced since XXXX XXXX, He ( XXXX XXXX ), he also filed Bankruptcy as of XXXX XXXX, Balance XXXX on his behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I deposited a check I received from my credit card company XXXX XXXX. The check was a refund for the balance. I deposited this check into my Merrill XXXX account on XX/XX/2022. Once the funds became available I began using my funds. My account was locked subsequently. I have been patient with Merrill XXXX to unlock my account or close my account. They have decided to do neither. I spoke with rep XXXX XXXX who advised me to step into a branch with a letter proving I received those funds from XXXX XXXX. This was distasteful and disrespectful as I felt treated like a criminal. This is also after 30 days of lies claiming I would receive a call from the back office. I never received a call. Since Merrill XXXX treats their CLIENTS like CRIMINALS, I want to immediately end my relationship with them.

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 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was charged UNLAWFUL interest charges during the financial forebearance and escrow impound in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am unaware of this account Capital One ending. Please can you have the company provide me more information showing my signature on any agreement between myself and the firm reporting to the credit companies?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
This complaint is with CASH APP. I have had to instances with them with them where deposits were not refunded to my account ; XXXX due because it was sent to a closed account in my name an the latest XXXX on XXXX that has caused this formal complaint. On XX/XX/08 a {$500.00} was sent to my account At XXXX XXXX cash out were made at XXXX Bank for a total of $ XXXX contacted CASH APP to let them know that this was not my transactions and that this was an act of fraud on my account. I notified the police and I gave them the report # XXXX. Cash App told me that I needed to go to XXXX and find out who made the transaction. I asked them were they serious, that was not my job to investigate the theft. They denied to replace the money in my account. I find this inexcusable and THEFT on their part. 

I am not pleased that I am out of {$1000.00} because of this company. and I will close this account after this complaint is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Notice is hereby given, that, I am consumer as the term is defined at Fair Debt Collection Practices Act and I have been unfairly, harassed, abused, XXXX by the deceptive practices of XXXX XXXX XXXXXXXX, a debt collector, herinafter wrongdoer by unconscionable means to collect a debt or attempt to collect a debt in violation of 15 U.S.C. 1692i ( b ) by deliberate abusive UNAUTHORIZED required notice deceptively addressed under FDCPA undefined term Mortgagor, instead of consumer per 15 U.S. Code 1692j as non-conforming to 15 U.S.C. 1692e ( 11 ) by the deceptive impersonation evidenced by attached document as 15 U.S.C. 1692e ( 5 ) The threat to take any action that can not legally be taken [ 15 USC 1692e ( 1 ) ( 3 ) ] or that is not intended to be taken ( by original creditor ) an abusive and deceptive act 15 U.S.C. 1692e ( 7 ) The implication that the consumer committed conduct in ( Judgement ) order to disgrace the consumer.

and therefore in violation 15 U.S. Code 1692e ( 9 ) by the use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The wrongdoer has induced a XXXX which is abusive in furnishing my personal information without permission in violation of written instructions in breach of security, identity theft in violation of 15 U.S.C. 1692j ( a ).

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 2022-09-16 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: IL

Complaint narrative:
Citibank was running promotion for checking account and I decided to open it. 

XXXX. I opened a checking account online from Citibank portal on night of XXXX XXXX. I arranged an initial transfer of {$25000.00} from my XXXX XXXX XXXXXXXX checking account. 
XXXX. Next day on XXXX, Citibank sent letter which XXXX received on XXXX saying they are ending banking relationship with me. Upon calling call center, they told me account is locked because they suspect fraud as account was accessed from multiple geographic locations.Letter mentioned Citibank will close account and return any balance in account by cheque to my address on record. 
XXXX. On XXXX, my initial transfer of {$25000.00} to XXXX was completed and amount credited to Citibank. 
XXXX. As I asked for refund of the money, Citibank call center told me to raise a claim with issuing bank i.e. XXXX XXXX XXXXXXXX to get money back. 
XXXX. I raised claim with XXXX XXXX XXXXXXXX for same on XXXX XXXX. XXXX XXXX XXXXXXXX rejected my claim on XXXX saying it was a legitimate transfer approved by me. 
XXXX. On XXXX I visited Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX The banker told me, account is closed on XXXX and I will receive cheque of my balance in XXXX to XXXX  days. 
XXXX. I waited for XXXX days till XXXX, still not cheque received. 
XXXX. I again called Citibank fraud call number, they are again telling me to raise claim with XXXX XXXXXXXX XXXX to get back my funds. 

This is very distressing as my {$25000.00} are locked for more than XXXX days now and there are no signs of any support from Citibank on 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 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleging Creditor and Account as is reported on my credit report : 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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: AZ

Complaint narrative:
Fraudulent inquires by the following companies without my consent. 

XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BROKER SOLUTIONS, INC.
State: CO

Complaint narrative:
We have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
REGARDING - extension of the student loan repayment pause Due to the economic challenges created by the pandemic, the Biden-Harris Administration has extended the student loan repayment pause a number of times. Because of this, no one with a federally held loan has had to pay a single dollar in loan payments since President Biden took office. 

To ensure a smooth transition to repayment and prevent unnecessary defaults, the Biden-Harris Administration will extend the pause a final time through XX/XX/XXXX, with payments resuming in XX/XX/XXXX. 

HOWEVER - XXXX HAS BEEN HARASSING ME ABOUT LATE PAYMENTS AND INTEREST CHARGES BOTH ON THE PHONE AND IN THE MAIL OVER THE LAST TWO YEARS. 

I AM GETTING NEGATIVE NOTICES ON MY CREDIT REPORTING FROM XXXX - ATTACHMENTS BELOW.

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