vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX I mailed a POA form for my mother 's IRA account at OneWest Bank. They are owned by CIT bank. I also sent the same POA to CIT bank and numerous other FIs. CIT made the change to acknowledge the POA as did the other FIs. 

One West Bank sent a letter to the address I asked the account to be changed to via the POA stating they could not do that because I did not complete their POA form. However, the legal POA form I provided contains all of the same elements and a notary certification. My mother, who has XXXX  and is XXXX, should not be required to complete another POA simply for their convenience on the form. Today ( XX/XX/21 ) I spent 45 minutes on the phone with the One West representative and the supervisor asking for an accommodation. They informed me that only their form can be provided and they could not authorize an accommodation nor would they escalate to someone who would. It is in the middle of COVID pandemic, and it is extremely difficult to expose my mother during this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Someone called saying I have accounts open that large sums of money were being transferred out of the country. I didnt believe So I went on XXXX XXXX and couldnt access because it said answers were wrong. It asked about a mortgage loan and car loan that I have in states I lived but never had. Also addresses Ive never lived and bank accounts I never opened. My wallet was stolen in XXXX tax once and I was robbed in West Virginia and Ohio and I kept everything in my wallet, like social security card, birth certificate, and I.d with bank cards. Someone is opening things in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Follow up with a previous complaint : Complaint Number XXXX Citibank STILL have not send any of my loan of XXXX to the Small Business Admin based on a letter written on XX/XX/XXXX. Account ending in XXXX Citi XXXX XXXX : XXXX " Any funds that are deemed owed to you will be sent in the form of an official check to the address on file. Small Business Administration ( SBA ) funds have been secured and will be returned to the SBA. If you wish to contact the SBA, they can be reached at XXXX ( TTY XXXX ). We apologize for any inconvenience that this may cause you. '' After calling Citi Executive Response Team : Citibank stated SBA need to work with their internal financial institution who credited this amount and ask them to " recall '' this amount, when the SBA does not do that on the lender 's behalf. Based on that XXXX letter SBA funds are " secured '' and " will be returned '' but there is " no time frame '' given and it's unclear when they will send back this money. This is utterly frustrating as a former customer and this need to be rectify. The amount of time they are keeping this money is absurd and have been cruel to our business as this loan is going to be utilized due to the the economic injury we are going through. Hence the SBA loan title. We need HELP and since XX/XX/XXXX of XXXX this loan has not be used and we are getting XXXX! It's XX/XX/XXXX. Citibank have conduct the ugliest business relationship anyone could have after 15 years of loyal customer relationship. What else do we need to do?!?!

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 2021-02-01 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: PENTAGON FEDERAL CREDIT UNION
State: AE

Complaint narrative:
On XXXX, I called Penfed Federal Credit Union to activate my Cash Rewards Credit card that I had received in the mail, but had not used as of yet. I am XXXX XXXX military XXXX overseas.

After trying to navigate their automated menu twice and getting routed to their main menu each time, I tried to get a live agent on the phone.

After a 25 minute wait, I got an individual who kept me on hold but was an interlocutor with another department trying to get the card activated. After six more minutes and not acknowledging at all the excessive wait for a simple procedure such as activating a card, I was told that I had to call in with my number on file to activate the card. 

I explained again that since I was overseas and can not use my phone to make calls, but only to receive texts, and that I can only use an app such as XXXX or general phone service to call in, I couldn't do as he had asked. He simply said the agent he was speaking with couldn't fix my problem. I kept trying to tell him my situation and he simply steamrolled me not letting me finish my explanation. 

He then abruptly hung up. After such an experience with such a so-called 'military friendly ' bank, I have no recourse but to file with CFPB to report grossly abysmal customer service given the treatment and circumstances I faced trying to complete a simple task such as activating a card.

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 2021-02-01 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: VW Credit
State: FL

Complaint narrative:
VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax Credit Bureau XXXX, XXXX Leased a vehicle at XXXX XXXX Since then, all the credit listed at Equifax has been wiped out as if I am a new borrower. I have tried to get assistance with this from Equifax and Consumer Finance since XXXX, XXXX to no avail. 

Recently in XXXX, XXXX I tried to assist my daughter to lease a car from XXXX XXXX and the application was denied because of Equifax even though I have a FICO SCORE OF XXXX. 

I am afraid that when my own lease is up in XXXX, XXXX that Equifax will prevent me from obtaining credit as well. 

Are there civil rights or financial lawyers who can help me with this matter. This matter began around the same time of the security breach with Equifax and I am told that my personal data was impacted by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I closed on a house with a sales price of {$380000.00}. I was required to bring an addition $ XXXX to closing to fund my escrow to pay the tax bill for 2020. I made multiple attempts to Cornerstone Home Lending, Inc. for justification for overfunding my escrow account and was told that if I did not bring the money to closing then I would not be able to close on our home. I was also told that " just bring the money and if it is incorrect you will get a refund ''. I did not agree with this decision, but I was threatened that if I did not comply, I would not be able to close on the home, so I brought the money. Two months later after the tax bills were paid in XX/XX/2020, there was a balance of {$9200.00}. After multiple emails Cornerstone begrudgingly began the process of re-estimating my escrow account contributions. Today, XXXX XXXX more than four months after closing, I received an overage check for {$6000.00}. And out of spite to my consistent demand that they refund my overage from my escrow account, Cornerstone Home Lending , Inc. has now increased my escrow by another {$130.00} per month. I asked them to provide me the appraisal value for which this increase was required and they refuse to give me that information. I have provided them with the Homestead Exemption and the current appraisal price of the home, which is {$32000.00} more than I paid for the home. Even using the {$410000.00} price of the home the total taxes will be {$7800.00}, but Cornerstone Home Lending is accumulating in my escrow {$10000.00}. When I calculate the taxes at the sales price of {$380000.00} the necessary funds needed to pay the taxes is even lower, {$7100.00}. This is will result in another overage in my escrow account of {$3000.00}. I have made several phone calls to Cornerstone Home Lending , Inc. and left messages, but I have not received a single call back. Cornerstone Home Lending, Inc is fraudulent in calculating my escrow and I can only imagine that I am not the only home owner they are withholding addition funds to overfund their mortgage accounts. Cornerstone has refused to admit fault in calculating my escrow overages and still refuses to calculate the escrow requirement using my Residential Homestead Exemption. I paid {$380000.00} for my home and it is completely reasonable to understand that I will protest the appraised value of {$410000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITY BANK/NWYRK & XXXX Opened XXXX. XXXX, 2016 Balance {$25.00} I'm concerned about the quality and reliability in your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A summons was presented tome on XXXX XXXX at XXXX XXXX to appear remotely in small claims court for pre-trial mediation over failure to outstanding credit card fees to the debt collect agency Midland Credit Management INC. 

I had no idea that I owed anything to this company. I appear in court remotely on XXXX at XXXX XXXX  for mediation, and denied owing charges that had accrued on the credit card in questioned. The credit card that I had owned I thought I had paid off in XXXX. The credit card in question was still active until XXXX. The Judge ordered us to talk it over, and we exchanged phone numbers. The lawyer representing Midland Credit Management INC. gave me a case number to reference when we called and the mediation was ended. I thought it was strange that the phone number that was given to me had an 555 area code. Usually, that's a false phone number. 

The next week, after looking through all of my files and finding past bills belonging to the credit card that I possess, I called the number that was given to me. The call would not go through as dialed. After calling the number several times, I did a reverse phone look-up, and the phone number didn't exist. I contacted my lawyer and he recommended that I find some way to contact Midland Credit Management INC. and this situation rectified ASAP! So I call the agency and got a representative. I gave him the reference number their lawyer gave me ( twice ). That account did not exist. The rep. asked for my SSN. I hesitated but I gave it to him. He pulled you my name, and it was then I discovered that the account number didn't match that of the account of the card I had in my possession. Both cards are duplicate cards issued by the same company, active at the same time, only the card that I have in my possession was a Mastercard issued by XXXX, and the other duplicate card was issued when, no one can tell me. 

When I told this to my lawyer, he attempted to get information about the individual representing Midland Credit Management INC. from the Clerk of the Court in XXXX XXXX, FL, only to find out that his name is not even on the court documents. There is no reference of him. So, the number he gave me is false, the reference number he gave me is false, and the account for which I'm currently being sued or was summoned to court for is not my account due to the fact that someone may have stole my identity back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed two inquiries on my Experian credit report. I sent the dispute by certified mail. Please see attached copies of date dispute was sent. I also sent certified letter directly to XXXX XXXX and they did not respond. Please see attached copy of the date that dispute was sent. Experian did not respond to my dispute within the 30 days timeframe per the FCRA guidelines. Experian must delete both inquiries

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 2021-02-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed several inaccurate items on my credit report and the bureaus haven't answered 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 2021-02-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed several inaccurate items on my credit report and the bureaus haven't answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Requested credit report from all three credit agency 's already have filled out form requesting credit freeze : and credit report : When it comes to filling out form on line they ask for E-mail address then they want you to become a member which state u can receive a credit report @ no charge

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NY

Complaint narrative:
I have contact XXXX XXXX & credit reporting agency, Equifax to remove the fraudulent hard inquiry from my credit report dated XX/XX/XXXX. I have yet to see any changes made to my credit report as in today. I have reached out many times but yet no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
I have recently been awarded as a 100 % XXXX veteran and applied for property tax reduction as such.. The County ( XXXX XXXX, CA ) has issued a refund on property tax retroactively from the date I was awarded. In doing so the County sent out a form to the mortgage company ( Sun West Mortgage ) that paid the taxes on my behalf in an escrow account. The form lets the mortgage company determine if the refunded monies go to the home owner ( Me ) or paid directly to the Mortgage Company. My loan with Sun West Mortgage was closed Mid XXXX as I had refinanced to another company. With the beforementioned information Sun West without regard that my loan was no longer serviced by them elected to have the monies sent to them. The monies were sent to a third party company that Sun West uses to pay property taxes for there accounts and has been in there possession since XX/XX/XXXX. I have had daily phone conversations with the company and am just getting the run around as to where my refunded property tax money is! It was not identified that the money was sent to the third party until XX/XX/XXXX. Since than I have spoken to supervisor XXXX and XXXX. My last conversation with XXXX on XX/XX/XXXX was not even noted to the account according to XXXX whom I spoke to on XX/XX/XXXX @ XXXX. I had called at XXXX on XX/XX/XXXX and left a message for XXXX XXXX said he would call me back Monday morning and has yet to do so to this point. Since Sun West no longer has an active account with me they should have not of elected to receive my refunded money from the XXXX XXXX XXXX XXXX and I would have received my refund by now, like I did with the other refunds for the prior years from a different mortgage company. I feel as a XXXX veteran this company is taking advantage of the situation to control someone else 's finances, not sure if they do this kind of thing all the time to there customers but they are sure using my money for something since they don't seem to want me to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting erroneous collections on my credit file. I have been checking on my credit and noticed that Express Recovery is reporting paid collections. When I first settled these collections they assured me that the account would be removed. However, it's been over 4 months and they are still reporting. Not only that, these accounts are all medical bills! I never signed a HIPPA patient release form allowing them to report on my credit file. This is a HIPPA violation and must be removed from my credit immediately. The debt is no longer owed & you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I enrolled in an offer that stated I would receive 5 % back on online purchases made between XX/XX/2020 and XX/XX/2020. On XX/XX/2020 I purchased {$200.00} on XXXX. I expected to receive 5 % of {$200.00} or {$10.00} but I only received {$4.00}. I have attempted to contact Citi regarding this issue. The customer service representative has reviewed my account and confirmed the discrepancy. The issue was escalated but I received a letter stating that no action was taken to resolve the discrepancy. I would like to receive a credit for the remainder in the amount of {$5.00}.

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 monetary relief