vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2021, I received an email stating my Citibank account was blocked due to " unusual account activity ''. Immediately, I called their Fraud Prevention Department XXXX XXXX option XXXX ). According to Citibank, my account was blocked due to inconsistent customer address and check address. 

My wife and I had recently moved from XXXX to XXXX after she accepted a XXXX  position in a hospital near XXXX. Hence, her payroll check showed a new address in XXXX  and not our original address in XXXX. We had not updated our address to XXXX  before depositing this payroll check. 

In order to unlock my account, Citibank asked me to mail in my address verification documents to an address in XXXX  ( Account Name, Account #, my rental agreement and utility bill were sent to Deposit Risk / XXXX, XXXX XXXX  XXXX XXXX XXXX TX XXXX ). Documents were mailed because there are no Citibank branches in XXXX. 

On the same day, I mailed my documents via USPS and later called Citibank in the following days to follow-up. Citibank claims they never received it. Since I did not have a tracking #, I went to XXXX on XX/XX/2021 and mailed another set of documents to the same address as above. The second set of documents were delivered by XXXX the next day on XX/XX/2021 ( can be verified on XXXX website ). 

Since the delivery, I have called 3 times to follow-up XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021 XXXX. Citibank still claims to have not received my documents. 

- Citibank has refused to escalate my case. 
- Citibank has refused to assign a designated person to my case. 
- Citibank has refused to receive my documents via email even though the documents I sent in the mail are not original documents ( rental agreement and utility bill are scanned documents ).

- Citibank could have easily verified my wife is a XXXX XXXX with the state of XXXX, and easily understood that receiving a payroll check from a local hospital is reasonable. THIS IS NOT FRAUD. 
- Citibank has withheld my money for over 1 month and has not offered any additional assistance.

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 2021-07-20 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: PA

Complaint narrative:
Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
during the pandemic nothing is open. i submitted my homeowners property tax ( HTC ) credit application during XXXX. i never received my tax bill with all the mail issues. when i checked up on it i was told i received {$2300.00} credit toward my property tax which is escrowed for. i immediately contacted PHH to discuss how this is handled since my payment never reduced. no one can answer me. my mortgage was originally with ocwen and they handled the htc seamlessly. phh is a subsidiary of ocwen so i figured they knew how to do this too. they are quick to " advance '' money ( loans that extend my mortgage balance ) but have no idea how to apply a tax credit. " XXXX code XXXX '' continues to call me and let me know that they are working on it. this is not good enough. i am low income during a pandemic, small business with ALOT OF MONETARY ISSUES AT THIS TIME. this credit would have benefitted my family when it was awarded in XXXX. i have already filed my property tax credit application for this year. i have demanded that an escrow specialist contact me to discuss how phh handles this but XXXX is the only one that calls. I DEMAND TO KNOW WHERE MY MONEY IS AND HOW THEY INTEND TO HANDLE THIS. here i sit with an XXXX year old dependent living with me, self employed in a pandemic situation. even my federal refund has not been received. i need help and i need it now. 2 docs attached - tax record from XXXX county maryland outlining my credit and the email i sent with the same attachment to phh dated XX/XX/2021 because i got tired of calling and decided to document this. please 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 explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I have sent a Debt Validation letter to First Federal Credit Control, located on XXXX XXXX XXXX XXXX XXXX, XXXX OH, XXXX. After receiving the response my XXXX rights were violated because it showed some medical procedures I have received while I was hospitalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Date of fraud was XX/XX/2021. Total amount of money lost : {$210.00}. The issue in question was a fraudulent transaction that took place on XX/XX/2021. The fraud involved money being withdrawn from my Bank of America ( BOA ) account and transferred to another account via XXXX without my authorization. I reached out to BOA and spoke with a rep. whom transferred me to the fraud department, after back and forth for two weeks I called again to only be told there is nothing they can do, they advised me to call my phone carrier to prove to them it is fraud. If they know where the money was transferred to why can't they just reverse the charges I did not approve. I contacted sprint my mobile carrier and their response was " this is beyond our capability and it is the bank 's issue and I needed to contact thier fraud dept. which I have and didn't get anything resolved. However, Bank of America has declined to refund me for these claims, account was accessed without my authorization

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 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
My current mortgage lender Axos Bank solicited my business for refinancing the mortgage. I started an application process ( Loan # XXXX ) on XX/XX/2021. While I submitted all documents necessary for processing the application as discussed and mutually agreed to in my conversations with the Loan Office XXXX XXXX, Axos Bank continually asked for more detailed bank statements that included private information about equities I own as opposed to summary balance account information. I refused divulging this private information and as agreed to the loan officer XXXX XXXX. I offered to provide complete bank account balance summary information as documented in my emails with the bank. Since Axos Bank did not respond to my offer of providing these bank statements by email or voice calls, I decided to suspend this mortgage application as documented by my communication to the bank on XX/XX/2021. Axos did not respond to my request to suspend my application instead sending me a Letter of Declination dated XX/XX/2021 that DID NOT acknowledge the fact that I HAD CANCELLED the application. Instead, Axos through willful negligence and malicious intent stated other reasons for declining the application that were not based on facts relating to documentation issues. This mischaracterization has caused injury to my outstanding credit ratings, their non-transparent requirements as agreed to and stated by their loan officer during the application process has wasted my time and effort for the application, and their repeated absence of communication through critical parts of the application process is willful negligence. 

Axos Bank has been consistently evasive and non-responsive about communicating with me through either email or phone through this process prompting me to file this formal complaint with CFPB. Their actions are anti-consumer with potential implications for punitive and other damages. I have documented my outreach to the bank to get answers for this appalling and potentially illegal and discriminatory actions by the bank and the absolute silence by Axos Bank, which is an entity in the regulated finance industry : XX/XX/2021 : Email to XXXX XXXX and XXXX XXXX Subject : Letter asking Axos Bank to suspend my loan application summarizing my reasons underscoring the unsatisfactory performance by Axos Bank as cause for deciding to withdraw the application Response from Axos Bank to suspend my application : NONE XX/XX/2021 : Email to XXXX XXXX, XXXX XXXX and XXXX XXXX Subject : Formal complaint regarding malicious and improper characterization of reasons in Letter of Declination from Axos Bank received by mail Response from Axos Bank : NONE XX/XX/2021 : Phone call and voicemail to XXXX XXXX Subject : Final attempt to get a response from Axos Bank regarding my complaint on XX/XX/2021 ( stated in ( b ) ) Response from Axos Bank : NONE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the XXXX debt account as incorrect and XXXX XXXX has confirmed they can't verify dept. and agreed to remove item from credit report. Because this account can not be verified please remove from my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
We applied for assistance on our delinquent mortgage. We had a financial hardship. Our file has never had a loan modification. We applied for one and the next thing you know on XX/XX/XXXX we received a letter stating our file was removed from review. We did not get this letter until a few days ago. Apparently our file was missing documents but we were never advised of what documents we needed to send in. We were advised a letter was sent out to us. Due to this pandemic our mail system is extremely slow. The letter never came. We have been having substantial mail issues. We have an adjustable rate loan and know we need a fixed rate. Weve never been given assistance. All were trying to do is save our house and now we have a foreclosure sale date set for Friday. I am sick and I can't imagine being evicted from my home while sick with XXXX. I had XXXX  and my symptoms are severe. I was in the hospital for two weeks and have not fully recovered, I am still on XXXX. The stress of this on top of the medical bills is delaying my recovery. I feel like our file has slipped through the cracks at SLS. We were not properly informed by any reps at SLS of the missing items. No one is giving accurate information and no one is being held accountable for these issues.The inability to relay information to us is inexcusable.They are more interested in foreclosing on our home rather than assisting us. The lack of participation in a meaningful review of my file indicates a preference to profit directly from our hardships. If given the opportunity we can afford the payment.

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 2021-07-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was notified via XXXX that I had a 30-day late on my Navy Federal Credit Card. 

I was surprised as it has always been on autopay. I had {$1500.00} in the account to easily cover the {$20.00} payment. 

I was never notified by NFCU that I was delinquent I never agreed to remove auto payments I had plenty of money in my account to cover the payment of {$20.00} NFCU will not provide any help whatsoever. 

There has been several violations and a lack of documentation on their behalf.

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 2021-07-20 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: Paypal Holdings, Inc
State: ID

Complaint narrative:
Hello CFPB, My PayPal Account was limited for no reason and told me they would be holding my money for 180 days ( XX/XX/2021 ). Its now XX/XX/2021 and 180 days has already passed. I have multiple accounts with PayPal and sadly they are still holding my money despite telling me I could withdraw my funds after 180 days. They also sent me an email I could now withdraw the funds but won't let me add a bank account to transfer them. PayPal Accounts/Email seen below : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TX

Complaint narrative:
fcra violations : not mine : send information base on my late payment as described in then report b/c I was never late I have that right FCRA violations : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$12000.00} XXXX XXXX {$7500.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$7500.00} {$7500.00} address is not correct : XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!

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 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX there was an unauthorized charge of {$1200.00} deducted from my CashApp account. Upon, me noticing the unauthorized charge I immediately reached out to CashApp regarding the concern. I called and spoke to a representative by the name of XXXX to put a hold on the card and to also dispute this charge. Following the incident a number of gambling transactions continued to they to be deducted from my CashApp. I explained to the gentlemen I do not partake in any gambling at all. XXXX also recommended me reaching out to the merchant to file a dispute but XXXX 's systems were not user friendly what so ever, on their contact us page I requested help to not only get any response either. After the credit was applied, CashApp emailed me later to mention it was removed and granted and granted in the merchants favor. They didn't mention why or how, which is super odd because the representative mentioned this was a known issue or a CashApp breach. Lastly, based on my history on any account that I own I have never gambled on any online sites ever. My pattern and history shows that. If you all have any further questions please feel free to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: FL

Complaint narrative:
These accounts are not mine and I can not believe that I have them still in my credit profile after few attempts to claim disputes. I am asking you to remove them as soon as possible because they are ruining everything I used to have. I am very responsible person and I have never had something like those accounts. I hope you will help me to dispute them and get read of these fake items. 

Those accounts are : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX PLEASE HELP ME PLEASE!!

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 2021-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
On or about XX/XX/2021, I advised the collectors that they do not have my permission to contact me by phone. Since that time I have received two to three calls per day. Blocking their phone number is useless because they use several different phone numbers when calling. At present, I have blocked nine different phone numbers from this one collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$12000.00}, {$3500.00}, {$2400.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 


-- AUTO LOAN OR LEASE XXXX. XXXX XXXX CREDIT with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/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 2021-07-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XX/XX/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