vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: AppFolio, Inc.
State: WA

Complaint narrative:
I am writing to address a matter of utmost urgency regarding the payment processing system on the AppFolio portal. I have observed a concerning discrepancy in the fees applied to transactions conducted through the AppFolio platform. Specifically, the portal advertises a fee of 3.49 % for credit card transactions, while significantly lower flat fees apply to check or debit card payments through the same channel. However, when I attempted to utilize my debit card on the AppFolio portal, I was unjustly charged the incorrect amount of 3.49 %, resulting in a total charge of {$94.00}. This irregularity has been a source of significant inconvenience and financial strain. I have taken proactive steps to resolve this matter, initially engaging with AppFolio through the XXXX XXXX XXXX XXXX XXXX XXXX as it became apparent that direct consumer contact channels were not available. Regrettably, my attempts to find a resolution through this avenue have proven fruitless. Furthermore, I diligently communicated this issue to my property management company, XXXX XXXX XXXX  ( contact information : XXXX, located at XXXX XXXX XXXX XXXX XXXX, WA XXXX ). They have consistently assured me that this fee discrepancy is beyond their control, as it pertains to a third-party charge facilitated by AppFolio. Conversely, AppFolio, in their responses via the XXXX complaint system, has repeatedly directed me to contact my property manager. This continuous cycle of redirection has created significant frustration, as my property manager lacks the authority to influence or rectify these fees. As a concerned consumer who values fair and transparent financial transactions, I am earnestly requesting that AppFolio promptly assess fees in accordance with the rates advertised on their portal, thereby ensuring compliance with consumer protection acts. My primary objective remains the resolution of this situation, and I implore AppFolio to take immediate corrective action to restore fairness and transparency to their payment portal. I trust that this matter will receive the attention it warrants and will be addressed with the urgency it demands. Your swift response and resolution are eagerly anticipated. I am attaching photo proof that the amount they are attempting to charge is not correct. There is a photo of the fee explanations and a page showing the incorrect amount being assessed for my debit card. in their previous reply they mentioned that they have no record of collecting this amount from me. That is because I had to cancel that payment and pay by check. That is not the correct resolution. The correct resolution is to access the proper fee in accordance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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:
On my experian credit report theirs a negative item that's fraud its a collection agency account call collection it has a balance of XXXX XXXX dollars I have a federal trade commission identity theft report on file that account supposed to be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: SC

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX, I paid a mortgage payment for the XXXX payment at a Wells Fargo Bank. Branch # XXXX, Transaction number XXXX XXXX at XXXXXXXX XXXX PST. I have a physical copy of the receipt. 2 checks were made for the payment : 1st check ( Wells Fargo Check # XXXX - amount {$800.00}. 2nd Check ( XXXX XXXX XXXX XXXX # XXXX - amount {$900.00}. Total Amount paid was {$1700.00} which was the amount due. 

Wells Fargo did not apply the amount. I called Wells Fargo on XX/XX/XXXX, XXXX XXXX  PST and spoke to XXXX who opened a work order to track the checks. The order number was XXXX. 

As of XX/XX/XXXX, my loan is still showing as late because Wells Fargo applied two {$800.00} payment which was no accurate. I made 1 transaction with two checks and the 2nd check should be the amount of {$900.00}. 

I called Wells Fargo again today at XX/XX/XXXX at XXXX XXXX  PST and was transferred to XXXX in Escalation. She was unable to track the missing transaction and is asking me to produce evidence of the check. 

I had paid my mortgage on time and due to the mishandling of Wells Fargo, I am now spending hours trying to resolve this to their satisfaction and making me jumping through the hoops to produce evidence. This is not how consumer should be treated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
Genesis Debt Recovery contacted me by email on XX/XX/2023, introduced themselves, and said they are trying to collect debt. The email stated I could call or write them by XX/XX/2023 to dispute the debt. I mailed them two certified letters requesting additional information about the debt before the deadline on XX/XX/2023 and have not received a response. They have been calling, emailing, and texting me. I've responded to their text messaging system saying " STOP ''. They emailed me again on XX/XX/2023 claiming the debt is now past due. I responded to the email notifying them that I sent letters to their mailing address and that my account should be under appeal. They have ignored my requests and failed to provide me with any other information about the debt they are claiming I owe, yet they continue to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Checking acct XXXX came with certain perks including something called a Subscription Rebate program, which I was only able to use once because Citi could not get it working for me until many monts after I opened my account. I closed the acct but this program is still open and I get constant harassing emails about using my funds for it. I have called over and over and emailed many times but all requests are IGNORED. I have an acct XXXX : XXXX XXXX XXXX XXXX XXXX but he is USELESS and also ignores me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Complain To : Head of Customer Care, CitiBank.co.in ( XXXX XXXX Savings Account ), XXXX Complaint From : XXXX XXXX Address : XXXX XXXX, XXXX SUBJECT : Deposit ISSUE -- XXXX ACCT Worst Service!! US earned Money wrongfully put into XXXX acct, No Response on Complaint from 3 months Acct Details : XXXX XXXX Accounts Savings XXXX XXXX  Savings XXXX XXXXXXXX I have a XXXX XXXX XXXX XXXX XXXX accounts with CiTi that were open on XX/XX/XXXX. On XX/XX/XXXX, I moved the amount that was matured in a fixed deposit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX account. Originally this money was transacted from a US bank XXXX XXXX XXXX XXXXXXXX ) account to XXXX XXXX XXXX. When I checked the acct in XXXX, to my shock I saw that money was moved to XXXX  acct instead of moving it to XXXX 
I am a US citizen, and I dont have any assets in XXXX XXXX 
This money was moved to my XXXX acct. from my XXXX XXXX XXXXXXXX account in US from my earnings in US. Since I opened the acct, I have been receiving 1099 form that I been filing taxes in US. ( See attached 1099s from XXXX as example ) I have no income in XXXX and how in the world you moved my US originated money in a XXXX account and now Taxing me on that. THIS IS COMPLETELY A FRAUD. Without my permission you moved money to the XXXX acct. 
As soon as I noticed this mistake, have tried calling 3 times in last 40 days and a Citi Phone Officer ( Complaint # : XXXX ) first suggested that I file Repatriation request. When I objected repeatedly that this money is not earned in XXXX and I have 1099s to prove it, they promised me to connect with some special officers in CITI but they never returned my call. 
I am filing a complaint with Attorney General in US and with XXXX. 
CC : XXXX CC : CFPB Consumer Financial protection Bureau, USA XXXX : XXXX Attachments : XXXX ) XXXX Statements for both XXXX & XXXX Acct 2 ) 1099 from Citi XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I have been paying my mortgage by direct ACH payments, On XX/XX/XXXX of XXXX, a normal payment of {$630.00} went from my account to the mortgage holder Nationstar Inexplicably, XX/XX/XXXX, nationstar returned the payment to my account, XXXX I received notice that nationstar required certified funds for the last payment which should have been less than {$200.00} had nationstar not returned my XXXX payment, Regarless, i went to the bank on XX/XX/XXXX and obtained a cashiers check for the requested payoff of {$700.00} and sent payment by certified mail. 

Nationstar received the payment on or about XXXX XXXX XXXX well before the required due date. 

again, inexplicably, on XX/XX/XXXX, Nationstar returned this payment to my account. 

I tried a third time to pay off the note. On XXXX, I obtained a cashiers check and sent to nationstar by certified mail. 

For the third time, Nationstar sent me a check for the amount of the cashiers check {$700.00}. I still have that check and will NOT cash it. 

Nationstar will not release their lien and are harrassing me at home and at my work. 
I have tried several times to pay off this note. They will not process my payment and just keep adding bogus charges. 

XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
Hello, In the month of XXXX, there was an Accounting oversight on my end that led to my payment being late. As soon as I identified this, I initiated a transfer/ payment the morning of XX/XX/XXXX around XXXXXXXX XXXX XXXXXXXX through the mobile app as I always do. During this process, you select a date on the Calendar that you want the funds to 'Arrive by ' and I selected XX/XX/XXXX ( see attached for reference ). 

The funds for the payment were deducted from my XXXX XXXX  Account on XX/XX/XXXX ( please see attached as shown on my bank account ). 

The funds were sent over to Associated Bank on XX/XX/XXXX and should of been processed on XX/XX/XXXX ; however, it took until XX/XX/XXXX to show process which reflects that my payment is past 30 days late, severely affecting my credit report/ history. 

I also attached my XXXX Transfer payment and what does not align is that the day my funds were deducted from my account, they were processed/ received by Associated Bank that same day so I do not understand why this time there was such a delay in processing my payment despite the funds being deducted from my account on XX/XX/XXXX and noted in the transfer too. 

Going into that weekend on Friday, XX/XX/XXXX, the funds were deducted from my bank account and Associated Bank noted that those funds were deducted from my account. However, when I went to pay XXXX, I noticed my Account was not updated to reflect XXXX payment. 

On XX/XX/XXXX, I direct messaged Customer Service through the Online Portal account ( attached is the conversation ). Customer service acknowledged the delay in processing and apologized. On XX/XX/XXXX, I replied and then called Customer Service and spoke to a Manager on Duty. She stated that she was not sure why it took so long and said she was personally going to file an internal complaint. I asked what else can I do to rectify and she said I could email XXXX to formally submit a complaint and seek further assistance. 

On XX/XX/XXXX, I spoke with the loan Service Provider and they stated there was nothing they could do despite the funds being deducted from my account on XX/XX/XXXX and Associated Bank acknowledging the delay and funds being sent over before XX/XX/XXXX. 

This is very misleading and fraudulent and I feel that this issue should be rectify because of the delay in processing my payment and the fact that those funds were deducted and sent over on XX/XX/XXXX. There are inconsistencies with when those payments are showing paid, from the date you select during the Transfer process, from what is being communicated by Associated Bank, and when the funds are deducted from my personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was told by Bank of America 's claims department that my provisional credit would be withheld for the duration of the investigation because of the dollar amount. The representative informed me that the investigation XXXX last til XX/XX/XXXX. 

I filed my checking transaction dispute on XX/XX/2023. I made this request after XXXX business days. 

XXXX XXXX XXXX ( c ) XXXX does not specify withholding a provisional credit while extending the investigation because of a certain dollar amount. 

I'm ok if the Bank needs more time to finish their investigation. But they are violating federal consumer financial regulations by denying my provisional credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
In XXXX, XXXX the mortgage company filed with the court paperwork about they wanted to move ahead with a foreclosure. 

On XX/XX/XXXX My contact from a local HUD agency forwarded requests from the mortgage company for me to submit personal financial documentation in hopes of offering me a loan modification. This went on for over two months. 

On XX/XX/XXXX the mortgage company offered me a XXXX XXXX XXXX. It assumed that I would make timely payments over the course of 3 months. Once that was successfully completed, they would send me a loan modification. 

On XX/XX/XXXX my attorney informed me that the mortgage company filed a motion with the court to move forward with foreclosure on my house. This is a violation of 12 CFR 1024.41 ( g ) -i.e., taking steps to obtain a judgment and sale of your property while you were currently in a trial payment plan that a borrower had successfully completed. 

On XX/XX/XXXX XXXX XXXX ruled in favor of the mortgage company to move forward with a XXXX 's Sale. No date had been set. 

On XX/XX/XXXX I made my payment for XXXX. It was the final payment of my XXXX Payment Plan. I called my point of contact at the mortgage company. She verified that I successfully completed the TPP and they will be sending a loan modification within 30 days. 

Also on XX/XX/XXXX my attorney filed objections to the Magistrates Decision granting a foreclosure judgment and has already filed a motion requesting a stay of the foreclosure proceedings based on my trial payment plan and expected loan modification offer. 

You can call my point of contact at the mortgage company. Her name is XXXX XXXX. Her phone number is : XXXX ext. XXXX. Her email is : XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax is not reporting my score at all. That is inaccurate reporting. I have had a score for decades and now they are reporting my score as a negative nothing. That is inaccurate reporting and a violation of my consumer rights. This non reporting is creating a negative impact on my life. I need this score reinserted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: 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 2023-10-03 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: EQUIFAX, 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 response to consumer: Closed with non-monetary relief