vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XX/XX/2022 - XXXX XXXX XXXX XXXX sent me an email saying that my online application for a bank account was not approved because of inconsistencies. This is when I became aware my identity had been stolen. I immediately had a fraud alert placed on the XXXX credit reporting companies. Unfortunately the damage was already done. XXXX XXXX XXXX XXXX said I need to solve the problem of removing the hard inquiry with Transunion. Transunion says I need to file a FCA report then paper mail the report along with other documents to dispute this fraudulent hard inquiry and remove the negative impact on my credit report. Online disputing is not permissible according to Transunion. I was instructed by Transunion to https : //reportfraud.ftc.gov/ which has then forwarded me to Consumer Financial Protection Bureau XXXX The goal is to have some sort of report that I can print and paper mail to Transunion.

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 2022-08-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To whom it may concern, The reason for this letter it to dispute multiple unauthorized inquiries on my credit report. On XX/XX/XXXX, I retrieved a copy of my credit report Experian and discovered multiple unauthorized inquiries that I have no knowledge that is on my consumer report. 
Because I did not apply for credit with XXXX XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; 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 INQUIRY DATE : XX/XX/XXXX ; XXXX XXXX INQUIRY DATE :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, I have also reached out asking that they remove the inquiry from my credit profile.

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 2022-08-03 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: IL

Complaint narrative:
In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance XXXX continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need XXXX to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

XXXX also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
Yes I did received the summons from court about credit card/ XXXX XXXX, XXXX XXXX always I try to negotiating to reach a payment agreement with the plaintiff and I use email contact is the only way I can have everything writing and save the communication between me and the other part. This is not the only one I already did the same process with 6 debts and everything went well with help discount, they help me. But this company which I am talking about NO. On Thursday XX/XX/2022 around XXXX XXXX. This company and my self made a agreement of monthly payment of {$100.00} starting on XX/XX/2022. XXXX XXXX XXXX by his writing said : He will mail me an agreement to sign and return to their office so They can sent to the court of Maryland. From the beginning he knew abouXXXX XXXX XXXXXXXX  and the amount, there was not confusion. 3 days after on Monday XX/XX/2022 Paper work come home with different debt, different case number from Maryland court.. Debt I do not recognize and Maryland court also due to lack of evidence.. But He is still want me to sign and make responsible for that.. At this moment still waiting for the paper work to sign for XXXX XXXX debt.. Now I have to go to court due to them. I feel they harassed me to be responsible for the other account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB Complaint ID # XXXX dated on XX/XX/2022 Equifax stated WE VERIFIED THAT THIS ITEM BELONGS TO YOU. However, dated on XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Equifax Information Services LLC is in noncompliance of 15 U.S. Code 1681e ( b ) United States Code. 
Pursuant to 15 U.S. Code 1681e ( b ) I, XXXX XXXX, Consumer, am demanding ( Equifax ) to prove with documentary evidence that ( Equifax ) has followed the reasonable procedures to assure maximum possible accuracy according to Federal Law 15 U.S. Code 1681e ( b ) for each account ( s ) mentioned in CFPB complaint ID # XXXX. Respectfully, XXXX XXXX ALL RIGHTS RESERVED UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
I AM IN FORBEARANCE DUE TO COVID AND DEATH OF A FAMILY MEMBER DUE TO XXXX AND PAYING FOR NURSING HOME FACILITY AND BURIAL EXPENSES. MY CREDIT REPORT IS REFLECTING 30 DAYS LATE IN XXXX AND THE FORBEARANCE SHOULD HAVE FORGAVE ME OF ANY 30 DAY LATES. I HAVE ASK NUMEROUS TIME FOR THE TO BE CORRECTED. I AM IN THE MIDDLE OF SELLING MY PROPERTY AND PURCHASING A NEW HOME AND THIS IS REFLECTING POORLY ON MY CREDIT REPORT AND CAUSED ME A DENIAL DUE TO MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX of XXXX, Citibank made an offer and continues to solicit me for opening a savings account and a checking account. These offers included rewards for balance maintenance. They know me as I have had their credit cards- one for over 33 years and with which I typically spend {$100000.00} per month. I applied for the checking and savings accounts and was approved - the terms said I had 30 days to fund the accounts. I had to try several times to open the accounts as the site was not working properly. They sent the paperwork in the mail but then sent me an email that said : " Hi, XXXX. We periodically review customer accounts and assess account activity. Based on a recent review of your REGULAR CHECKING account, we found that you have violated the terms of your account per the client manual. 
As a result, your REGULAR CHECKING account and any other Citi accounts you have will be closed within 60 days of the date of this communication. All of your accounts are now restricted from receiving deposits or credits, effective immediately. If you'd like to discuss this matter further, please call us at XXXX, Option XXXX, Monday - Friday, XXXX am - XXXXXXXX XXXX and Saturday - Sunday, XXXX am - XXXXXXXX XXXX, '' I called the number and was told that they could not give me any details but a letter would be sent explaining everything. ( the email said to call this number to discuss the matter further ). I letter did come with no explanation of why the accounts were closed. I called again and was told that they could not tell me why the accounts were closed. I called a contact at the Citibank Executive Response Team at ( XXXX at XXXX ). She said she only deals with credit cards but would have her counterpart in the " deposits '' area call me. No one ever did. Citibank continues to solicit me with these account offers with only adds insult to injury. I wonder if there is something in my demographics ( age, location, etc. ) that has them blocking me - a 33 year customer.

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 2022-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
On or about XX/XX/2022 to XX/XX/2022 Crypto.com detected suspicious transactions to my account and froze/suspended/locked my account. As it turns out I was the victim of a online hack and scam. Please see CFPB complaint # XXXX. After working with my financial institution and XXXX it was determined that all transactions on XXXX was unauthorized. However the funds was lost. My bank had stopped 3 of the transactions made to Crypto.Com. They allowed a 4th transaction to proceed before doing their investigation and later reversed this transaction. Upon this action by my bank Crypto.Com became irrate and demanded that my bank produced a letter demanding that they close the investigation. Which my bank did provide. Then Crypto.Com demanded that my bank produce a letter stating that the investigation had been cancelled and no further action would be taken. Crypto.Com has refused to unlock or unsuspend my account since XX/XX/XXXX until they receive the letter. My bank has told me over and over that the letter issued is their only requied response. Crypto.Com is not happy with this response and continue to hold my funds and my account hostage knowing very well this investigation by my bank is closed. Crypto.Com does not make available the transcript of our back and forth communication by locking the support screen from screenshot. It is my complete feeling that Crypto.Com is seeking to punish me for having the hacked unauthorized transactions stopped and reversed. I can not provide any documents of the communication because of Crypto.Com policy on screenshot. However I have attached an email of our earlier conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/22 I contacted Westlake Financial, LLC & spoke to XXXX informing the company of their violation against Pennsylvanias Usury law. I was told that there was no such department that would handle my complaint in regards to my illegally charged high interest rate of 20.90 % on my auto loan of {$17000.00}. According to the consumer law the maximum interest rate is only 6 % in PA where I purchased the car and where I reside. I want the company to pay me the charges of 3 times the amount charged 3x ( {$17000.00} ) whilst voiding the contract and removing their secured interest interest in my vehicle due to their predatory lending practices. Under consumer law I have rights to remedy. I am exercising my rights to the fullest extent of the law.

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I went to a Wells Fargo drive-through ATM located on XXXX XXXX XXXX XXXX XXXX California and I attempted to deposit {$300.00} into my Wells Fargo savings account the computer took the {$200.00} and then returned the {$100.00} bill and then gave me the option to make another transaction or return my card I requested to do another transaction and put the XXXX XXXXXXXX XXXXXXXX  inside one more time the machine confirmed my XXXX XXXX XXXX as a XXXX XXXX bill asked be to confirm correct which I selected yes, completed and returned my card. When I went to check my savings account only reflected the {$200.00} that was initially deposited I contacted Wells Fargo that same day on XX/XX/XXXX and opened a claim for them to investigate. On XX/XX/XXXX today I was told that they have completed their investigation and they have checked the ATM machine and there was no jams and there was no additional money in their money count. When I asked if they can check the cameras or their computer monitoring they stated that they only do that for fraud claims and that I should get a police report to subpoena them for the camera footage. I asked how long the camera footage is In there system I was told they dont have a definitive answer for that. They took my XXXX dollars and refused to check the live footage that they have, and closed my claim essentially stealing my money and not returning it back.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX I was trying to make a payment to my credit card online and chose the option to pay the full balance by mistake. As soon as I realized I called Citi card services early morning on XXXX XXXX, I was assured by their representative that they would credit my money back in full in 3 to 5 business days. In the mean while my bank account appeared overdrawn. My Bank apparently declined the payment and I was patiently waiting for the balance to show up in the credit card again. Today Citi tried to take this payment again out my account knowing that it had been a mistake because I called and informed them on Friday XXXX XXXX, they overdrew my Bank account once more. I called them again today and was told a different story about this process, now they said it was 3 to 5 business day to process this and decide if it got approved to give me back my money, and then another 4 to 6 business day for me to get the money or actually see the balance in the credit card again, meanwhile my payment due date is XXXX XXXX and now Im worry about missing my actual payment due to this whole process, which I was interrupted and told that there was nothing they could do about it, that I had to wait for the whole process to see if it got approved when Ive been telling them that I did not authorized that full balance 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 2022-08-03 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: Shellpoint Partners, LLC
State: IL

Complaint narrative:
In XXXX I asked for a C.a.r.e.s. act forbearance on my loan and it was granted for 3 months. After 3 months I received a letter stating that the forbearance was automatically extended for 6 more months. During the Cares forbearance Shellpoint continued to bill me of which there is a current class action lawsuit. Due to the fact that they kept billing me I wasn't sure if I was delinquent or not because of the frequent bills coming in. The mortgage company never told me exactly when my forbearance was over and they then reported me 30 days late to the credit bureaus in XXXX XXXX which damaged my credit rating severely. I need Shellpoint to remove the 30 day late from my report. I am currently current on my payments after finding out exactly what was going on due to the companies negligent billing practices. 

Shellpoint also added a 3rd party insurance policy to my account even though I faxed them my current condo insurance twice and uploaded it to their website. I need this insurance premium refunded to my account as I was already insured and provided proof 3 times...

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 2022-08-03 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: GA

Complaint narrative:
On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX XXXX and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?

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 2022-08-03 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: GA

Complaint narrative:
On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX XXXX and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?

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 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a mortgage with TD Bank I have 2 issues 1. I was making my payments monthly & around XXXX XXXX of XX/XX/XXXXmy payment was not applied correctly after numerous calls TD bank told me it was applied correctly & I still owed the current month and the next month. 
( They later applied the payment correctly ) At that point they said I owed 2 months and I couldn't catch up. 
This made me go into foreclosure for about 4 years until I was able to work out a modification. 

Having this foreclosure on record obviously cost me tremendously both monetarily & physically. 

In addition, I have not received a monthly mortgage statement for years I have asked multiple times for a statement but to no avail. 
I am now trying to buy a different house ( something that I was not able to do for years due to my foreclosure issue which was a direct cause of TD Bank. 
Now when I finally went to the bank to get a statement as the new mortgage company told me I need it I see have a past due amount of XXXX ( legal fees which are not due to be paid back until the end of the mortgage ) as legal fees. 
This is causing me tremendous losses and aggravation I feel the bank has violated the Truth in Lending Act more than once.

1.originally when they put me in foreclosure due to the misapplying the monthly payment 2. not sending me the monthly mortgage statements ( which has caused me additional penalties ) possibly losing my new house as It says i am behind on my payments.

I had to rush to pay this outstanding legal fees off that I dont have to pay until the end of the mortgage to see if i can still get this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: MECHANICS BANK
State: TX

Complaint narrative:
MECHANICS BANK HAD REMOVED THIS ACCOUNT FROM THE CREDIT FILE BECAUSE THIS ACCOUNT WAS IN A BANKRUPTCY. AFTER THE BK WAS DISCHARGED MECHANIC BANK RECENTLY ADDED THIS ACCOUNT BACK TO THE CREDIT REPORT AS OPEN AND DELINQUENT.

Company response to consumer: Closed with explanation