vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX XXXX XXXX Credit Card XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$2400.00}. XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. These account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these account. I have requested on numerous occasions the proof of the charge off and update the balance to {$0.00} or delete the negative payment status on these accounts.

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 2024-03-04 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I called Citibank when my CD matured. Spoke to associate to close it and he confirmed verbally. But instead the renewed it for 1 year. 

Please help. 

Thank you

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 2024-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
During the Truist application and approval process we were notified that we were on a " float option '' for our interest rate. When rates started to drop a little I called my loan office and asked her what the rate for that day was. The date was XX/XX/XXXX and we were not closing for another 5 months. She advised me that the rate for that day was 6.875 % and asked if I wanted to lock in. This was the exact rate that we set for our budget so I called her back and asked if we could lock in and what we needed to do. She said to just tell her we wanted to lock in and that was it. So we locked in and she called me back to let me know that we needed to pay {$1700.00} for a rate lock fee. I was shocked and asked her if we would be getting this money back and she assured me we would at closing so I told her as long as we would get it back I would go ahead and pay it. We received a loan estimate updated to the locked rate good through XX/XX/XXXX. We had received poor communication with the loan officer throughout the process but it got worse and I shopped the loan. When the new mortgage company looked at the disclosure they asked what the points were for. I didnt know anything about points so they explained them to me which XXXX  me. I called the loan officer to find out what the points were for and she never gave me a direct answer but found out that she charged us XXXX points to get that rate to 6.875 % without asking us if that is what we wanted to telling us that is what she did. We would have NEVER locked in 5 months before closing if we were given the correct interest for that date! Now they are telling me we cant get that money back. This is not fair as she should have never charged {$5000.00} in points without asking if that is what we wanted. She failed to give us the interest rate on that date and gave us what she wanted with buying points. I dont know if she benefits from this is some way or why someone would do that without disclosing this was what she was doing and nothing was signed for the rate lock and it is not clear at all on the disclosure statement. They need to refund the rate lock fee as they hid those points and took 3 days for the loan estimate to be updated and being too late to back out.

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 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
I spoke with this company ( Credit Management ) on XX/XX/2024 and informed them that the debt in question was in litigation to determine the validity of the debt. 

On XX/XX/2024 I asked them to stop communicating with me. 

On XX/XX/2024 they called again.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
CitiBank says we made purchases of {$1000.00} each on XXXX XXXX and XXXX XXXX, 2024 from XXXX. We are the victims of identity theft and are disputing both charges. We have never shopped at Home Depot and don't have any of their stores near our city. We attempted to contact them but received no response.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please see the attached documents. Remove any personal information that does not pertain to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have already filed a dispute with XXXX about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 168XXXX - Congressional findings and statement of purpose. I will be attaching my letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my PayPal account to fraudulent investment firm ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
In 2020, during XXXX I was low on funds due to being on furlough from my job and needed to pay my rent. So I took out a loan with CashNetUSA however, I didnt expect them to charge me 300 % in interest. Unfortunately I was not able to pay it on time so they sold it to a debt collector company who is suing me for the money plus the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX  emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account XXXX  XXXX Bankruptcy XXXX XXXX : 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 non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was staying 4 days at XXXX XXXX XXXX in XXXX, XXXX. From the moment there we were pushed aside, we have made several complaints of the room and it's location and the grounds outside that look like a junk yard. Everything that was said online that we were supposed to receive we did not. The hotel manager did not give us different room. And he showed he didn't care. Also my sister fell on the walking path of the grounds and was injured. XXXX XXXX XXXX XXXX. And bleeding. They offer no help or assistance. The sidewalks were all uneven and no caution signs anywhere. Nor did they offer medical assistance. And she had to pay {$1500.00}. Doctor and dental visits. We were also treated unfairly and disrespect towards us. I even had one employee said to me on the side the hotel Manager to the staff not give us any hospitality nor and marked us as terrible guest. The whole stay was very uncomfortable and they did nothing to make it better. I have asked and requested for any sum of a refund. They said no and wouldn't allow me to talk the the ones incharge to file a complaint. I called and they never send me over there to file a complaint. I was hung up alot. I disputed the charge with the Citi Advantage credit card, and I gave them all I can of reasons why and they ruled in the hotel favor. Then tells me I have 10 to 15 days to appeal. Not even one day I tried to appeal it. I was mot allow to and they said the case is closed and I'm responsible. I never had an appeal or a fighting chance. I called again to appeal i spoke to another they canceled my card and labeled that charge {$3100.00} as fraudulent. I was told they would take it off. After 30 days they did not and issued me another card. I called and they said they will not take it off and I'm responsible for it, after they lied and said they would take it off and more investigation. They are basically making me pay for services I did not receive or was entitled to. I feel I'm being forced to pay this or the credit card is making me and they disregard my rights. They made it quite clear I am liable for charges made that I disputed. As long as they get there money the consumer has no rights.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I dont recognize

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 2024-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I noticed a charge on my bank account for {$29.00} from coinbase. Upon checking my statement I noticed that they had been trying to charge my account for {$29.00} for a couple couple weeks. I opened an account with coinbase to get in touch with their customer service because that's the only way you can get in touch with them and I informed them about what was going on. I gave them my card information and they told me that they couldn't look up the charge in their system by just using the card information. Which is a bold faced lie. So they asked me for a screenshot of the charge in my bank statement which I provided. The screenshot also showed the transaction ID number. Which they also told me that they couldn't use to look up the charge in their system. Which is another bold faced lie. I went back and forth with them for two or three weeks about it and finally they sent me an email asking for all kinds of information. While I was getting all the information together I noticed in one of my email accounts that I had an email from them stating that my bank account was linked to an account with them. This email had a uid number inside of it. I turned that in with all the other information that they requested and since then I have not heard anything back from them. It's been over a week and now they're not returning any emails or anything. They're still trying to charge my bank account even though I blocked them through my bank account. Now they're using different offices in different states to get past the block placed on the original charge. This company is shady and prectickng shady business ways. They have had the information they requested from me for plenty long enough to find the charge and stop it. Refund it. And stop future charges from being made on my account. They are doing this knowing that I want it stopped. They are stealing from me and I need help getting this taken care of and hopefully y'all can bring some charges or something on them for this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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.

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly review the attached documents. I urge the bureau to investigate these accounts, falsely reporting me as late despite my impeccable payment history.

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 2024-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA withdrew {$150.00} from my checking account to offset an old business credit card debt which I have tried to settle on numerous occasions. I suffered a debilitating XXXX in XXXX  and had to shut down the business. My only source of income is XXXX and BofA is well aware of this fact. According to my research that would make this a double violation as it is credit card debt only no matter what XXXX XXXX may try to claim and a protected form of income, both of which fall under the Federal statutes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I request the bureau to investigate these accounts, as they incorrectly portray me as late when I have been consistently on time with my payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2024-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
We had a covid forbearance of 6 months in place and at the end requested to extend that forbearance an additional 6 months but were told we could not although we read that there is an option available to extend an additional 6 months. We feel as if we were not given an explanation of all of our options. We were placed on a trial flex modification as it was pushed as the only option besides foreclosure. After speaking with an agent for the company, they confirmed that we had an option to extend the forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I did not apply to these companies below Experian - XX/XX/XXXX XXXX of XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry XXXX XXXX XX/XX/XXXX & XX/XX/year> - XXXX XXXX -Inquiry

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