vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank is not responding to my request for compensation of all of the money I lost due to unfair lending practices as well as my request for contact information and an address to send a certified demand letter. I am requesting compensation because the situation caused me to lose a substantial amount of money. This has prevented me from being able to try to purchase a home. On the last day of escrow on XX/XX/2023, Citibank Mortgage called me in the afternoon to tell me that I did not qualify for their Home Run Loan, which they had initially approved. This occurred at the end of a 45-day escrow and underwriting process. I was assured that I qualified for the loan. They then offered me two more expensive loans. I submitted a complaint in XXXX and Citibank refunded the {$800.00} application fee. However, I was unable to comfortably afford either of the two new loans offered. I was also unable to find a comparable loan to their program. As a result, I had to cancel the contract and I lost the money spent on the inspections, fees, and lost interest of {$1600.00}, as well as part of my earnest money deposit. The loan officer had assured my realtor and I that the loan was approved and would go through on XX/XX/XXXX, so the loan contingency was removed. The seller kept {$3800.00} of the XXXX. The total amount of money I lost due to this unfair lending practice was {$5400.00} in addition to a lot of emotional distress over the loss of that much money. I would not have spent any of this money if they had informed me when I first applied or after the first underwriting that I did not qualify for the Home Run loan program. Citibank responded to my first complaint, but I did not realize that I was able to comment on that response and I missed the window. I am still trying to recover the remainder of the money from Citibank that I lost due to their error or unfair practices. I have requested a name and address to send a certified letter to Citibank, but they have ignored my request emails and have not sent the information that I requested.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CORELOGIC INC
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, LEXISNEXIS, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: PA

Complaint narrative:
XXXX XXXX serv {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point

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 2024-01-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX  {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX  {$150.00} These a XXXX account showing on my credit profile I have no knowledge of this account XXXX XXXX XXXX also XXXX is showing on my credit report as collection for {$380.00} I have no knowledge of this account This account was not opened by me at no point

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
My name is XXXX XXXX, I have been a USAA customer since XXXX. I have a USAA checking account, although I don't use it as my primary checking, I use it on occasion. The USAA sent me an email today informing me that my checking account has been closed because I have had XXXX balance on my account for a very long time. However, I checked my statements and I have a XXXXXXXX  balance on my account till XX/XX/XXXX. The XXXX balance is only from XX/XX/XXXX to now, which is about 2 months. I don't think two months can be considered an account not to be used for a very long period to result in an account closure. Also, I have never been informed that there is a minimal balance requirement for a USAA checking account, nor I have been informed by mail. I feel that closing my checking account is unethical and does not align with regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: OH

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX A XXXX ; XXXX, XXXX, XXXX  ; XXXX, XXXX, M ; XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$74.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$280.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$740.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXXXX/XX/2023. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have already contacted this company on different occasions and they insist that I have an alleged debt with them. 

15 U.S. Code 1692a ( 5 ) ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

Where is the proof of the transaction that creates this alleged obligation to you? 

They allege that I have some type of responsibility with them to return money through some contract that I have with them or some agreement by which they lent me money. They continue to violate my rights as a consumer since I have never done any type of business with said company and they continue to send me misleading communications to my address of amounts and amounts that I supposedly owe them. 

They say that I am almost obligated to pay you and I ask what is the product or contract with which I did business with you? They continue to violate the laws with false communications, demanding an amount of money that they supposedly lent me. I ask them for proof of any credit transaction in my name with this company and they do not have any proof and proof is not any document with my personal information. Proof is anything of value in the form of money or its equivalent that gives them any legal right to send me all of these fraudulent communications. 
COMPANY NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX Date Opened XX/XX/2023 Responsibility Individual Account Loan Type XXXX XXXX Last Payment Amount {$0.00} Original Amount {$3900.00} Original Creditor XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Over the past week my credit card with Capital One has been flagged for fraud and then they put me through XXXX trying to verify who I am and then I tried to XXXX and I could not XXXX because they had issues Capital One dead and then tonight Ill try to make a online deposit and the system is saying they had a snag so I dont know whats going on with Capital One and when I try to file a complaint with a customer service representative they hang up on me so I dont know what their problem is and I am going to close my account and move onto another institution. I thought capital one was good but the way they treat me is absolutely horrifying and I wonder how many other customers they do this too

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: GA

Complaint narrative:
I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX, XXXX and Experian for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/2023, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.

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 2024-01-27 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: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX received a text from chime asking if i had tried to use my card to authorize a {$290.00} charge at XXXX XXXX XXXX. I responded No it was not me and they replied back with a text that said it had been blocked and they did not let the charge go thru. I did not think I would need to worry about them allowing any charges from XXXX XXXX XXXXXXXX to go thru since I already said no I did not authorize the last charge but on XX/XX/XXXX they had approved two charges for XXXX XXXX XXXX. The first charge was for {$40.00} and once that went thru they then charged my card again for {$250.00}. I did not see these charges until the XXXX but I immediately called and filed a dispute and was very upset that they allowed the charges to go thru after I said no it was not me me. I filed my dispute on XX/XX/XXXX and asked the agent if they needed pictures with the text messages showing I had said NO it was not me but he said no they would have all that information. They closed the dispute just two days later on XX/XX/XXXX denying me my money back. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Specialized Loan Servicing OFFER IN COMPROMISE SETTLEMENT XXXX XXXX XXXXXXXX Based on the property tax bill I was provided by SLS in XXXX my property tax bill from XX/XX/XXXX to XX/XX/XXXX so far {$1400.00} have been over collected by SLS. There was a negative {$13000.00} for property tax bill provided by SLS its {$11000.00}. I have been over billed here too. 
PUBLIC NUISANCE WHICH SLS HAS NO RECORDS WAS PAID {$6200.00} IS NOT ESCROW ACCOUNT XXXX XXXX XXXX WITH THIS ON XX/XX/XXXX. ON XXXX PROPERTY TAX BILL {$3600.00} AND XXXX {$2600.00} WAS PUBLIC NUISANCE. TO MAKE IT WORST NO ONE HAS RECORDS FOR THIS. 
In XXXX payment of {$60000.00} was made by the state of which {$17000.00} was collected statement date XX/XX/XXXX. 
XXXX. Mortgage interest form XXXX reported to IRS shows {$3200.00}. 
XXXX. On CFPB response XX/XX/XXXX SLS stated they only collected {$1400.00} property tax. 
XXXX XXXX XXXX  took out {$73000.00} for principal interest and escrow. Property tax bill from XX/XX/XXXX to XX/XX/XXXX was {$11000.00} and should been all paid from {$99000.00} payment. Misapplied payment of {$29.00}, XXXX Based on my records, the total amount of money loss of {$60000.00} for which I am now considering state auditor to audit entire payment. 
With this above unresolved I do not {$60000.00} but {$29000.00} or nothing account should have XXXX balance. 
As a comprise I am offering {$30000.00} to pay off this loan and full in lieu of not filing new complaint for public corruption, fraud, financial mismanagement and requesting stated auditor to audit this account which states paid. 
Entire records of property tax bills, CFPB response and so on I was provided by SLS and XXXX XXXX XXXX  to provide. 
ALSO PLEASE PROVIDE ME ATTACHED BILLED ITEM INVOICE FOR THE SERVICE PROVIDED COPY TO VERIFY WHO PROVIDED THE SERVICE. EXAMPLE OF THE SERVICE PROPERTY INSPECTION COULD BE ONE OF THOSE. 
IN THE SAME PAYMENT HISTORIES BILLED ITEM TO ME XX/XX/XXXX PROVIDE ME COPY OF INVOICE THAT WAS BILLED FOR {$590.00}, {$510.00} WHAT WAS THIS FOR, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX {$25.00} EACH WHAT WAS THIS FOR, XX/XX/XXXX FOR {$25.00} XX/XX/XXXX FOR {$88.00}, XX/XX/XXXX FOR XXXX AND {$75.00} EACH BILLED TWICE AND XX/XX/XXXX FOR {$360.00}. 
Please have this offer of settlement no later than XX/XX/XXXX so I have time to decide about this pay off. I am also requesting you to remove {$25.00} and {$30.00} fee charged. 
XX/XX/XXXX

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