vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Social Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/2022, I received an email stating that I had opened a Checkings and savings account with SoFi bank. Then i started receiving emails that i was making transfers from this account to someone named XXXX XXXX XXXX. I also received an email stating that I had just recently updated my profile information with a new contact number. I immediately called the bank, let them know that this was not me, and they restricted the account. They gave me a number to a fraud investigation team but every time I call, they are always with other customers. I pulled up all three of the major credit reporting agencies and found inquiries from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to dispute a charge of {$2500.00} to my account on XX/XX/XXXX. The charge is in error because of fraudulent / spam activity on my social media accounts, and anything related to my phone number and or email address. On XX/XX/XXXX, I received a link from what I thought was my friend XXXX. She was acting like she was advertising a link. I clicked on the link, and added my phone number and email address without thinking that it was harmless. Later that evening, I received a notification that someone was trying to access my accounts, in particular my XXXX account around XXXX that was someone from XXXX IL. Then followed by an apple request prompting my access code. It was then I realized to check all my accounts that had my email address and phone number associated. By the time I realized it, half of all my accounts that did not have a two-code authorization code were hacked. 
It was then when I called CitiBank and reported the suspicious activity and not authorized charges on my account. I was only able to capture the screenshot of when XXXX notified me it was a user that was not trying to access my account, and I also have the email of apple notifying me that someone was trying to log into my account. I only have two screenshots of facts that I have that confirm these logins were NOT ME! 


my understanding is that XXXX security experts say federal law does protect victims of this type of scam. These kinds of fraudulent transactions are covered by Regulation XXXX, and consumers should be getting refunds!!! The Consumer Financial Protection Bureau put out a directive in XX/XX/XXXX, saying the law applies " if a third party fraudulently induces a consumer into sharing account access information. '' Banks should be using fraud filters on XXXX transactions to stop scams -- as they do with credit cards. 

On XXXX, XXXX, CitiBank did refund me for the fund, later on took back the money and stated they changed their minds, that they couldn't insure my money because the funds were used through XXXX and that there's nothing they can do I had continued depositing money as I kept submitting for new request to have the funds refunded back. 
Now my account has been closed because my account was negative due to this awful inconvenience.

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 2022-04-05 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: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, I am writing this for myself on behalf of myself, any authorization you say you need consider it given. 

These incorrect accounts are still on my credit report, Violation of FCRA privacy to send out index cards.. 

I feel like you people at the CFPB arent doing your job, and or dont understand THE LAW. Your supposed to oversee these companies that violate my rights and protect me against them, and your not! Ive sent multiple complaints about this Same issue! Complaint ID : XXXX, I sent a whole 5 paragraph essay of how this company violated my rights, and you did nothing to follow through or investigate! 

Ill say it again.. 
No consent is considered identity theft, I didnt give anyone at XXXX XXXX XXXX or any other company permission to disclose my information, XXXX requesting proof of full disclosure agreement showing my signature giving permission for XXXX and these other companies to disclose my personal information with any 3rd party See attached, no consent is considered identity theft, transunion continues to let there robots respond to me and send me post cards which is another violation of my rights.. 

Im attaching another attempt for transunion to fix this issue.. 
maybe youll get a different response and not some robot

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 2022-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I sent a wire transfer from my bank to Freedom Mortgage on XXXX. I used the information provided to me from Freedom Mortgage. I completed the transaction at the bank and paid for the service. After monitoring the account at the bank for withdrawal of the funds for the transfer, I contacted Freedom to find out why they had not received the payoff. I provided all of the information from the bank wire document, the name of the banker and his phone number. In the interim my account with Freedom Mortgage was noted as delinquent. I was told by Customer Service that my account would be researched and that my account would be notated so that my exemplary credit score would not be negatively impacted. I was not contacted again by Freedom Mortgage. I called again one week later to try to get a status of the investigation and again had a lengthy conversation of over an hour with two different Customer Service people who informed me that nothing had been done to investigate the wire transfer. I again asked that my account be notated to prevent negative impact on my credit and was assured that it was going to be taken care of. I also, before making the second call, logged in to my account with Freedom Mortgage and found that the delinquency was still on my account and at that time sent a message through the online service that the wire had been sent, but not received and that I was trying to rectify what the issue was. I did not receive any response from the Customer Service agents. I did get an email that my message had been received at my account login and that I would get information from Freedom Mortgage regarding my inquiry. On speaking with my bank, they informed me that the intermediary bank on attempting to remit funds to Freedom Mortgage was unable to do so because the account could not be found. All of the information on the wire transfer was exactly what had been provided to me by Freedom Mortgage. When I called to try to get a status of the investigation from Freedom Mortgage I was told that they would not contact the bank and that the amount had increased due to the elapse of time from when they provided me the payoff amount. They also informed me that they could not promise that my credit score would not be adversely affected. I am currently in the process of getting a new payoff statement from Freedom Mortgage. I will send a Certified Check and not attempt to wire the 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 2022-04-05 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: FIRSTBANK
State: CA

Complaint narrative:
I banked with FirsrBank a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on XXXX and I would really like to get this resolved & removed from there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union provides a grace period to pay your mortgage payment that is due on the 1st of each month. The grace period before being charged a late fee is the 15th. They keep calling after a day of being late and say that it is just a courtesy call. It is harassment because they continuously call even after being told I am going to pay them before the 15th.

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 2022-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I XXXX XXXX was a victim of pressured sales tactics by a salesperson, I was promised that my personal information would be private and not exposed to the public at signing in XXXX Ohio at the XXXX XXXX car dealer, in desperate need for a vehicle to save my job I signed in XXXX later for the vehicle to break down for a damaged engine in XXXX causing me to lose my job. Afterwards harassed consistently by Credit Acceptance lender for Payment. I reviewed my credit just to also find that my rights have been violated According to the Fair Credit reporting Act 15 USC-1681 b section 602 A Which state, I have a right to privacy. I was very embarrassed and humiliated getting my Credit pulled by other resources. I also was violated according to Act 15 USC-1681 A section 604 A section 2 which also states a consumer reporting agency can not furnish an account without my written instructions. I wasn't aware of any Discrepancies with Credit Acceptance with other Borrowers throughout the nation. I was never informed by the dealer for other options, I too will also have to seek for legal actions concerning Credit Acceptance in the Unlawful practice between the dealer and lender. 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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
Had a heated conversation with bank manager about policy, the next day i was called from another bank manager and we decided to end our relationship.I was told ant the end of the month my acts would be closed.The next day i went to close and pick up my money i was told my acts were closed the day before and checks were sent out fed ex tracking number would be available the following day.the next day i was told the checks went out XXXX and tracking number would be available the next day. the next day i was told the checks went out first class mail and wait 5 days if they would come.it is now 3 weeks later and the crippling effects this has had to me and my business by not having any of my funds, personal and business.has to be addressed.i never knew banks could steal all your money with the excuse of one of the oldest lies in the book, The check is in the mail. 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 2022-04-05 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Clarify Services a part of XXXX refuses to remove inquiries 24 months and older stating my request for them to comply with FCRA guidelines and remove is frivolous. This is a blatant and willful disregard for FCRA guidelines as inquiries are only to be on a consumer report for 24months! Furthermore, they refuse to remove an unverifed charge off that the company themselves have removed from all other credit bureaus. Clarity Services is governed by FCRA as they are part of XXXX who is also governed by FCRA and is obligated to comply with FCRA guidelines.

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 2022-04-05 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: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I called and reported my card stolen. They cancelled the card and said it would take 15 days for the new one to arrive. I said it was fine and hung up. 30 days later I called again. They said it had been sent back saying I couldn't be found. I gave them my address, again and they said they were sending a new card. 30 days later I called again, they asked me to wait a little longer. I waited until XX/XX/XXXX, which was officially 60 days later. They said by the end of the month. It's XX/XX/XXXX, no card. When I call the system says high call volume call and call back. I want cancel my card because I don't want to be charged monthly fees when I can't use card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
LoanDepot forced place an insurance even after we have submitted evidence of our own insurance. They have still not updated our insurance after we followed up with them three times. 

Timeline : - XX/XX/XXXX Uploaded our home insurance to a portal called XXXX ( as directed by LoanDepot ) - XX/XX/XXXX Got confirmation that our insurance documents were processed and no further action is required - around XX/XX/XXXX Noticing that our insurance hasn't been updated, I called LoanDepot 's loan servicing and talked a representative named XXXX ( ID XXXX ), who assured me that all the documents needed are there and we will not be charged an extra insurance - XXXX - Noticing that there is still no movement on updating our insurance, I called LoanDepot again, this time given a confirmation number on " we put in a work order to update your insurance '', and we were assured that we will not be charged for LoanDepot 's own insurance. The confirmation number I was given was XXXX - XXXX We got an email informing us LoanDepot is placing an insurance ( {$3000.00} ) on our account. I called LoanDepot again asking why they have not updating our own insurance knowing that we have an active insurance that covers our property - After talking to 4 different customer service reps, we still were not able to update our own insurance. It is unacceptable to be taken advantage of by our mortgage service, who knowingly charges us extremely expensive insurance when we have sent our own over, and who made the process unbelievably difficult to take advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: OR

Complaint narrative:
This is the email I sent to Self : I opened an account with Self in XXXX to improve my credit with an auto pay set up for 12 months for a secured amount of {$150.00} per month. Since it was auto pay I never had a late payment. I completed the 12 months in 2021 and I believed I was finished but then saw that in XXXX Self reported a 30 late payment to the credit bureau which now negatively impacts my credit score. It was due to the annual fee on a credit card that I have never used and did not realize that it was a credit card. I understood the card to be a secured visa if I decide to put a secure deposit on it in the future. I have spoken to multiple representatives and the only help I have received was from XXXX in XXXX. He reversed the {$55.00} charges for the annual fee and told me that he would have a letter generated then emailed to me stating that the late fee was waived and should not have been posted to my credit. I did not receive that email and have since been bounced back and forth between departments from representatives who will not assist me. I spoke with XXXX this morning who was very kind and created a ticket as an additional document to go along with this email. I would like this to be resolved. I opened services with Self to positively build my credit and now Self reporting is doing more harm than good. I have attached a screen shot of the only information Self reported to the bureau. I would like a manager or supervisor to please contact me because I feel this needs to be dealt with and corrected from a position of higher authority. For Self to send me a letter stating that the negative report can be removed from my credit will help me without affecting your company so I dont understand why this has been such a difficult issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased a XXXX XXXX card, wanted to test the viability of the product offering ... and this issue is a HUGE strike against the product offering. Strike ONE I loaded {$500.00} on the card and began using it, the card became unusable and I began researching the money loss to discover $ XXXX sitting in pending charges, unrefunded holds on the card... I have made attempts to contact American Express and have gotten nothing but an automated system that doesn't address the problem, nor provide a solution to a problem a computer does not understand. Strike TWO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have unauthorized hard inquiries from this company showing on my credit which is affecting my financial situation drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
In XXXX 2021, I had two XXXX XXXX performed by XXXX XXXX XXXX XXXXn XXXX XXXX Pursuant to that, XXXX XXXX XXXX  in XXXX GA acquired XXXX and now they are XXXX XXXX XXXX and in the summer of 2021, sent me a bill for approximately {$440.00} for these tests. I called their billing department and told them that my XXXX approved these tests and that they should be pursuing payment through them. My XXXX is on file. The lady I spoke with acknowledged that insurance should pay for this and told me she would handle it and that she would call me if there was a problem. That was the last I heard from them until this week when I received a notice from the credit bureau that National Recovery Systems had filed for collection resulting in a XXXX point drop in my credit rating. I never heard back from XXXX ( XXXX ) nor have I ever heard from National Recovery Systems. This morning I spoke with XXXX and was told their claims department sent this to collection but I could not contact them. The rep did say she would send them an email but I have little confidence since they never informed me there was an issue and sent the debt to a debt collector who never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My husband and I are the successor trustees for the XXXX XXXX XXXX " XXXX ''. XXXX passed away on XX/XX/2022. We have been trying to obtain a closing balance for the reverse mortgage XXXX had and we have hit roadblocks every step of the way. We have done everything and provided all pertinent information that Champion Mortgage has asked for only to be told that we are denied finding out the balance. To say that we are a bit angry and certainly frustrated is an understatement. We have spoken to Champion Mortgage at least 8 times and have faxed documents to them 3 times upon their request. This information has our personal information on it such as our Social Security numbers. Upon attempting to contact them again this morning, we learned that Champion Mortgage has been sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I banked with XXXX a few years ago and had fraudulent over drafting on my checking account via XXXX - I submitted a fraud request and was never given the approval or able to work with somebody regarding this. Years later it is still marked as Account Abuse on ChexSystems and I would really like to get this resolved & removed from there.

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 2022-04-05 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: FL

Complaint narrative:
With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation