vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I been having nothing but a Horrible time with BMO Bank, They can't tell me were my XXXX went to and how did it get applied to my loan. If My loan was for 84 months and they stated that they took the XXXXWarranty ( Returned ) and applied it to my principal balance Show me were and how did it change my payment amount and why did my payment term Either became a lesser term or why did my pay amount decrease. No one at this XXXX XXXX bank can explain where and how and why question. they keep saying the same thing it was applied to your principal balance even though your payments didn't go down and your 84 month terms didn't change. We applied it but we can't tell you how it was applied XXXX missing. ( and I Want Answers ). your account or were it went but we see it Did get applied I AM SICK OF HEARING THAT EITHER SHOW ME THE MONEY OR GIVE ME THE MONEY.Also I've been waiting on a refund check from this same XXXX XXXX  They have a Bunch of incompetent employees that works For them it seems like they just hired a bunch of middle school age kids to answer the phone.who lacks Customer service skills and a bunch of other skills. ON XX/XX/2023 .they told me to call back and because they sent me out an over payment back on XX/XX/XXXX for XXXX that I have yet to receive .every time I call they Hang up the phone .This happened 5 times yesterday XXXX. They told me if I didn't receive the check by XXXX to call back to get a new check reissued .And that will take another 30 day XXXX why is it taken so long to send out a Check that has been lost over 8 weeks now Why do I need to keep waiting. If they can't get a check out for XXXX and explain to me were my check went to then how am I suppose to belive that they are telling me the truth about my XXXX Show me were my XXXX was applied and Send me my XXXX express mail since they can't get it to me by regular mail .I really hate This company and they Also keep lying saying they don't have a officer of the president were you can write a complaint on how treble there customers services is They will answer the phone and ask you your personal information. Once they get it they would disconnect the call .This has happened several times.or they will. Leave you on hold for a hour and never check back.this Bank need to be investigated. By The FDIC as well as The FTC they are stealing customers money without a clear indication on were the customers money went .if this issue isn't resolved I will be filling a law suit on this Bank They think they can stealing from the little people but what they need to understand it only take one person to open up.a can of worms to take down a corrupt corporation.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I Leased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It had the option to buy the vehicle at the end of the 3 year lease. Which is exactly what I did. I was told that their financial company XXXX XXXX XXXX XXXX XXXX would report my payments to All 3 credit reporting companies. But they have NOT reported any of my payments since XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I made my last payment paying off the vehicle. I have the receipts for ALL of my payments. I want them to show my payment history on my credit reports to raise my credit score.

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 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I read that the equifax information of consumers was leaked. I wanted to see if my information was affected and how can I proceed with this further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 22. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my 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 explanation
Consumer complaint received 2023-12-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
After reviewing my Credit Report, I noticed several XXXX XXXX Inquiries on the report as follows. Please DELETE the XXXX Inquiries as soon as possible. 

XXXX XXXX XXXX / XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
On Saturday XX/XX/XXXX I went into the PNC bank XXXX at XXXX XXXX XXXX XXXX Ky XXXX. I initially dealt with a cashier named XXXX and then a manager named XXXX XXXX. I was trying to exchange a XXXX dollar bill that had become ripped. I had the complete bill and they refused to exchange it because they said that they could not read the entire serial number from both sides. There is only XXXX letter for XXXX side of the serial number that is slightly obscured. I have the image of the bill. They attempted to tape my bill and suggested that I let them tape it and then I take it to a store to spend. When I questioned this and asked what would the store do with this bill and told them it was absurd they refused still even after I mentioned the rules stating only 50 % of the bill is required according to government websites.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have sent the XXXX, correctly filled out remittance coupons, with correct postage, BENEFICIARY signature, correct amount of postage, and sent to XXXX XXXX in XXXX, oh, on XXXX XXXX XXXX. without the transfer being processed. And also asked him to send back my mortgage application with the correct parsay syntaxed structure XXXX different times. And also wanted to see the accounting on the books of the double entry book keeping they do ( the assets & liability ). Nothing has ever been sent back to me, and I've requested since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: OH

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX admitted to making a mistake after my account was closed 1 year later. One year after the account was paid in full, the company sent late payments to the bureaus. I called the company and the manager stated that she called the bureau and the bureau told her there is nothing that she can do but that I had to file a dispute so that XXXX XXXX could remove the late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 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: CORELOGIC INC
State: MI

Complaint narrative:
On XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation 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 2023-12-02 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
On XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX  accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/2023 I realized my credit limit was reduced from { {$12000.00} } to { {$6800.00} }. The result is a substantial injury to me by interrupting commerce and causing harm to my livelihood as I am the original creditor to this agreement as consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open-end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the XXXX, XXXX the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or is likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. The harm associated with the actions by Citibank include a XXXX decrease in credit score, denial of funding for my business ( livelihood ) which limited the ability to maintain critical business continuity.

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 2023-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
We sold a property that we had a mortgage through Truist bank, originally Suntrust prior to their merger, and as part of the sale we requested payoff information from Truist Bank, mortgage holder, thru the buyers closing agent which was received on or about XXXX. After closing, XXXX, we received the Truist payoff letter from the closing agent which included what we contend is an erroneous interest amount assigned by Truist, {$230.00} versus amount shown on Truist XXXX statement of {$58.00}. The amount in our escrow account on the XXXX statement is shown as {$990.00} however there are no XXXX funds listed as being " due '' on the XXXX XXXX XXXX letter from Truist. The Truist final statement dated XXXX shows the following : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 - Actual Escrow Balance of {$1900.00} which includes our XX/XX/2023 payment and escrow amount of {$220.00}. 

We maintain the ACTUAL Escrow balance as of XX/XX/2023 should be as follows : XX/XX/2023 - Actual Escrow balance of {$690.00} XX/XX/2023 payment into Escrow of {$220.00} + {$690.00} = {$910.00}. 

We questioned Truist in our XX/XX/2023 letter where the escrow amount of {$990.00} listed on the XX/XX/2023 statement came from as this amount does not appear in the Truist XXXX XXXX letter they sent to the closing agent. We questioned Truist in our XX/XX/2023 letter where the {$58.00} interest shown on the XX/XX/2023 statement came from when the amount shown and paid by us on the XXXX XXXX XXXX letter listed interest due as {$230.00}. We further questioned Truist why the {$230.00} interest in their XXXX XXXX letter was NOT listed on the XX/XX/2023 final statement since is was part of the amont we paid to Truist via the closing agent. We questioned Truist regarding the ACTUAL date the XXXX of XXXX check was ACTUALLY mailed as it was not received by XXXX until XX/XX/2023. Conveniently there is no date stamp on the envelope but by virtue of the check being dated timely, Truist has met the time frame requirement to effectuate a refund on the escrow balance. Lastly we questioned why Truist did not include ANY explanation or statement with the Escrow Payment check for any of these amounts, financial items. 

Our QWR letter was mailed on XX/XX/2023 from XXXX XXXX Pennsylvania XXXX XXXX XXXX to the Truist Bank XXXX address listed in the Truist correspondence we received from Truist and as of today, Saturday XX/XX/2023 we have not received an acknowledgement of receipt nor a 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 explanation
Consumer complaint received 2023-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Hello, It appears your company is reporting approximately {$380.00} on my credit report. Please read below thoroughly. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in therefore exists. 

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 explanation
Consumer complaint received 2023-12-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX Acct # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX # XXXX, XXXX account # XXXX, has violated my rights. 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.

Company response to consumer: Closed with non-monetary relief