vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX XXXX, I issued a check to one of our vendors for {$8300.00} to pay our monthly statement. On XX/XX/2023 when our vendor said they did not receive our check, we investigated and found that our check was intercepted, whitewashed, and mobile deposited by XXXX XXXX to an account in XXXX  XXXX XXXX in XXXX XXXX Mo. We immediately notified the fraud department of Citi Bank. They sent us the official forms to begin an investigation, which we immediately filled out and returned. 
A similar thing happened to us approx 5 years ago and Citi Bank made good on the {$5000.00} immediately, but the said we had to enroll our company in their POSITIVE PAY PROGRAM. We did and have been logging every check we have written with the name, check #, and amount with Citi Bank prior to mailing to prevent fraud We have been paying for this service for over XXXX years and write approx XXXX checks/month. Obviously Citi Bank or XXXX  XXXX XXXX did not catch this fraud on a {$8300.00} check. We have been in contact with numerous agents at Citi Bank ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) who all say that Bank XXXX XXXX has XXXX working days to respond. Obviously it has been much longer than 120 days and their answer is that they can not do anything to force them. 
I have several issues with this policy. 
( XXXX ) Why do we have to wait at all since we enrolled in their POSITIVE PAY to prevent this in the first place. Their answer is that it is not a guarantee. 
( XXXX ) What legal ramification does XXXX  XXXX XXXX have if they refuse to admit fraud? 
( XXXX ) Why wouldn't Citi Bank take care of a XXXX year customer with XXXX a XXXX dollars on deposit? 
In closing, I think government or some banking oversite agency needs to get involved with these type of practices if the bank will not take care of these types of fraud.

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 2023-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: RI

Complaint narrative:
I discovered that there were checks attached to documentation that was sent to me from XXXX. When I discovered this I had 2 stale checks. For 2 years I have called spoke to multiple people and told that it would take XXXX weeks to be resent. I wait start the process all over again. Nothing has happened no check replacement to letters or calls NOTHING. I have the checks in my procession and XXXX of the agent stated that can see that the checks have not been cashed. Last 2 times I was told that it was because of a new regulation that had to be completed. We completed them. I was told to make sure I let whoever I speak to that the old account number was XXXX, because it was switched to SierraPacific XXXX and then to XXXX. Which are all subsidiaries of XXXX. The second escrow check they sent attached to the paperwork, never should have been refunded because by doing so meant my Home Owners didnt get paid and I did not know it. I want this money back and very tired of hearing the same BS each time I call. 
First check # XXXX dated XX/XX/XXXX amount {$110.00} Second check # XXXX dated XX/XX/XXXX amount {$830.00} The name on the check XXXX XXXX XXXX This is unacceptable and I do expect them to pay me the interest. My belief is that they are waiting until it is too late. I would appreciate your help with this. I have been in touch with all of the institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit tried to debit two eChecks in the amount of {$50.00}. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions. 
I submitted a similar complaint in XXXX of XXXX ( Complaint Number XXXX ). Explore Credit had debited my account six times in the amount of {$300.00}. Attached to that complaint are six eCheck images. Explore Credit acknowledged on XX/XX/XXXX, that they would stop processing transactions immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I hereby submit a formal complaint against TD Bank, a financial institution operating within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ), for egregious violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. 

On the date of XX/XX/2023, I diligently transmitted a dispute directly to TD Bank via facsimile ( FAX ), and I possess irrefutable evidence, in the form of a confirmation receipt, affirming their receipt of said dispute. To my profound dismay, despite the unequivocal proof of receipt, TD Bank has, in contravention of its statutory obligations, disregarded my dispute, manifesting a complete absence of action in response thereto. 

It is my firmly held conviction that TD Bank 's wilful refusal to investigate my dispute and expunge the inaccuracies persisting on my credit history transgresses the tenets of the FCRA. The FCRA mandates that financial institutions undertake good-faith investigations into consumer disputes and take necessary actions to ensure the veracity and precision of consumer credit reporting. 

The deleterious ramifications arising from the presence of these erroneous marks on my credit report are not inconsequential, as they have culminated in an adverse impact on my creditworthiness and financial standing. TD Bank 's flagrant negligence in addressing this matter constitutes a pernicious breach of my statutory entitlements as a consumer. 

Furthermore, through a series of telephonic engagements with representatives of TD Bank, I have elicited repeated acknowledgments from the aforementioned personnel conceding TD Bank 's culpability in the reporting errors. Regrettably, these verbal admissions have been met with obstinate inaction, and the inaccuracies persist unremedied. 

In light of the gravity of this matter, I respectfully beseech the Consumer Financial Protection Bureau to promptly intercede. I implore your esteemed office to undertake a comprehensive investigation into the systemic violations perpetrated by TD Bank and to vigorously enforce the full panoply of remedies and sanctions available under the FCRA. 

Your invaluable assistance in effectuating a judicious resolution to this peremptory matter would be an exemplar of the CFPB 's unwavering commitment to safeguarding consumer rights. I earnestly request that I be apprised of the investigative proceedings and ensuing measures employed to address this exigency. 

Thank you for your expeditious attention to this momentous issue. I anticipate, with sanguinity, the consummation of an equitable and expeditious resolution to redress the iniquities perpetrated upon me. 

And yes, I am an attorney : )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 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: FL

Complaint narrative:
I am writing to bring your immediate attention to multiple errors on my credit report, which I addressed in writing on XX/XX/XXXX. 

Despite submitting my complaints directly to all three credit bureaus, I have not received any updates or confirmation of receipt. Additionally, I noticed that there is no dispute verbiage on the items I am disputing, which is not only a violation of the law, but now adversely affecting my good name and reputation. 

I am deeply concerned about the violation of my rights in this matter. I kindly demand a prompt and thorough investigation into the errors on my credit report and a swift resolution to rectify the inaccuracies. 

I urge you to take this matter seriously and prioritize its resolution, as it directly impacts my financial standing and personal well-being. Your immediate attention and action are greatly appreciated. 

Please inform me of the steps being taken to address these issues as soon as possible. I look forward to a positive and timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in need of help because i am being harassed by a debt collector ( XXXX XXXX XXXX ) who has repeatedly calling me after i told them that it was inconvenient time to call me sadly they didn't stop there.. They repeatedly called after i told them to stop! I have recorded calls. I was totally uncomfortable and emotionally stressed!

I DID SOME RESEARCH AND FOUND THIS LAW ; 15 USC 1692 WHICH IS THE FDCPA AND IS IN SECTION 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be an inconvenient to to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o clock antemeridian and before 9 o clock postmeridian, local time at the consumers location ) which means that if i told them that it is not a good time they should know that it really was inconvenient and they proceeded to do it anyway! 

They also violated me again under the FDCPA

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 2023-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: AR

Complaint narrative:
On XX/XX/2023, XXXX XXXX XXXX from Rocket Mortgage called me about refinancing my home because I am actively requesting quotes in order to take out some equity from my home. We talked for about 20 minutes on speaker phone so I could continue to work. During that time, he aggressively asked questions and was hard to get off the phone with. He even tried to gas light me by calling me " moody '' because I wouldn't let him push me around.

When we finally got off the phone, I received a text from a credit monitoring company that someone had pulled a hard pull on my credit. I quickly found out that it was XXXX XXXX from Rocket Mortgage. At no time, did I authorize a hard pull. There would be no reason to because I had not made my decision on what mortgage company to use. 

I spoke with Rocket Mortgage 's company and found out how to ask for a Letter of Deletion. I hand wrote the letter as requested and emailed it to XXXX. I have not received notice that they have received it. 

I spoke with XXXX XXXX next and he told me he did receive authorization. I asked for and have received the audio. At no point did he ask or did I authorize the hard pull. After listening to the audio, I discovered that he casually remarked ( 8 minute mark ), " I'm going to run a formal credit report for ya for the approval. Are you a military veteran by chance? '' I responded, " No. '' There was no question or approval from me.

Again, he never asked me and I never authorized a hard pull on my credit report. We never discussed my credit ; he never asked if I knew my score. He did that in order to force me to use Rocket Mortgage because we all know that hard pulls stay on your record for a while and bring your score down. In order for me to go with someone else assuming that I take out equity at all ( which I haven't even decided ), another hard pull will have to happen and that will be XXXX. As I stated repeatedly, I am only seeking quotes. 

XXXX XXXX 's tactics are manipulative, unethical and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Account was frozen for no reason and now for about 2 weeks I have been getting the run around and no access to my funds, all documents have been submitted to Credit Karma, but they continue to keep my money XXXX while they receive interest off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
This is my third complaint regarding this issue. The first was XXXX, the second is XXXX. I have been trying to resolve this since XXXX. This has now impacted my credit score because I can not afford to make payments on both balance ( which are the same balance ). I have uploaded all of the evidence in PDF form showing that XXXX paid Amex, they paid the wrong account number. I have included the incorrect account number that the payment was applied to, and have also included my account number, the correct one, that the credit should be applied to. If this is not resolved I intend to seek legal action. I am a single, currently unemployed, mother of three small children. I AM STRUGGLING. Had this balance transfer gone through like it was supposed to in XXXX, I would only be having to make the payment on my XXXX card that I could easily manage and have the option of credit on my Amex. That was the plan. Now my XXXX card carries a higher balance than my Amex, I am able to make those payments, but Amex keeps calling me, emailing me, sending me to collections because of this balance transfer that got applied to the wrong account. Please, I need help. Could someone please, please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Peer Advisors, LLC
State: MI

Complaint narrative:
Hi, XXXX XXXX XXXX XXXX and he had a reverse mortgage. After looking over his loan papers & finding out the amount of money due to payoff the mortgage, we suspect that he could have been a victim of predatory lending. I have documentation of the loan process and questionable information. Over the course of 6 years, the loan has accured over {$34000.00} in interest alone. The original Mortgage company has since filed XXXX  XXXX Bankruptcy and the loan has been assumed by another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/2023 at XXXX Am I deposite a {$6000.00} cash all $ XXXX bill in ATM OF XXXX XXXX XXXX XXXX XXXX 
ATM number is XXXX. 

ATM message appeard said we are unable to return your cash and receipt of {$300.00} printed out. 

I called the number written in ATM XXXX, and reported the issue and file claim number : XXXX. 

Bank saiyng it take XXXX to XXXX business days to resolve claim. 
I dont blive bank have the right to hold my cash deposite for that long time.

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
Consumer complaint received 2023-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

The letters are stated with items and issues.

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 2023-07-27 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: NY

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.

The letters are stated with items and issues.

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
Consumer complaint received 2023-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I was sent a letter of garnishment in XXXX from PHEAA ( XXXX XXXX XXXX Assistance XXXX ) i went on a repayment plan of {$260.00} per month and then changed it to {$190.00} per month in XXXX due to financial issues. when the XXXX act went into effect i forego my payments while the student loan forgiveness was being battled out, the repayment was not supposed to restart until XXXX XXXX XXXX they have since continually tried to take monies out of my account since XX/XX/XXXX despite being informed that per the XXXX XXXX that these were not supposed to restart. 

Then i was contacted by my agency department of defense that my loans are still showing as default despite my making payments since XXXX and the deferment per the CARES act. In addition when i checked my loans with PHEAA they are still showing the same original balance of $ XXXX despite my payments over the past years. This is fraudulent and no one is answering my questions or able to provide justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2023 NFCU stole {$140.00} of federally protected money from my checking account. On XX/XX/2023 NFCU returned the {$140.00}. On XX/XX/2023 NFCU knowingly stole {$150.00} from my checking account, NFCU was fully aware this money was set aside to bye food and international stole it with the full intention to try to starve me. All my money comes from XXXX  XXXX. I made a purchase with is protected money then returned it and this is the money NFCU has stolen. I have lost all trust in NFCU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by 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 non-monetary relief