vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Thursday XXXX XXXX XXXX. I met with an agent at the Bank of America branch in XXXX, RI. I showed the agent the emails on my phone ( attached to this complaint ) and wiring instructions from the scammer and explained how I verified the beneficiary and he had no doubts. I told him that I called one of the numbers on the email and it was out of service. When I called the other number it got through to someone and I explained what I was calling for and asked to be transferred to the paralegals name at the law firm and then got hung up on. I then told the agent that due to no calls getting through I emailed the scammer asking the amount to verify that this person had access to the closing disclosure, which was a secure document. Only the law firm and broker would know that amount. The scammer got back to me with the exact amount of {$23000.00}. The agent said that was a good way to check and asked if the account name on the wiring instruction matched with the attorney 's name at the law firm and I said yes, which is factually true. The agent also asked if the addresses matched and I said yes, which is factually true. The agent then continued to wire the funds to the scammer using the wiring instruction under my consent. The bank agent in this case should have given due diligence to ensure the consumer is not falling victim to a scam. The narrative shows that there were instances where the bank agent could/should have recognized scam characteristics. Also the agent should have done more preventive care. A first time home buyer who is not aware of mortgage wire fraud would not know if they are being scammed. The bank should be well aware of mortgage wire fraud to help their clients ensure they are sending the funds to the rightful beneficiary. I informed the agent that I could not get a hold of the law firm administering the closing over the phone and that should have caused the agent to advise not to wire until I can get on a call with the law firm. I paid a service fee of {$30.00} and have been a customer for 6 years. Bank of America could have helped in preventing me from wiring {$23000.00} to a scammer and they should improve their services to better protect their customers from scams. All of Bank of Americas action since has been that they sent a recall and that there is no guarantee of getting any of the money back into my account so file a police report. They said they will contact me with updates, but only update me when I call them which consists of holding for an hour.

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 2021-09-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Angel Oak Mortgage Solutions LLC
State: DC

Complaint narrative:
Applied for a mortgage loan on XX/XX/2021. I received and signed a loan estimate and my rate was later locked at 5.625 % with a 2 year prepayment penalty period. Nothing changed with my qualifications before settlement. 

I was told the loan was approved and settlement was scheduled. I received no disclosures prior to settlement. 

At settlement on Friday, XX/XX/XXXX at XXXX XXXX  The loan package arrived at the settlement office and was radically different from anything I had agreed to. The mortgage rate was 6.125 % and the loan prepayment penalty was extended to 3 years at a penalty of {$6200.00}. 

Additionally, the bank doubled the posted tax rate on the property for the tax escrow. When the settlement company questioned this, Angel Oak Mortgage Solutions refused to reduce the escrow to the actual tax rate. 

As I had a {$50000.00} deposit and {$490000.00} in exchange funds at risk, I had no choice but to sign the loan documents. My feeling is that predatory lending laws were broken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13 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:
On Friday, XX/XX/2021, a check for a {$1000.00} scholarship from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois ( XXXX of Illinois ) was deposited into my account ending in XXXX. On Saturday, XX/XX/2021, notification was received that this check needs to be verified. Upon calling Capital One, no one could provide me with a reason as to why the check needs to be verified other than stating that it looks like it has been altered. The check is printed and not handwritten and has security features on the check to avoid any fraudulent activity. I was told that the bank needs to speak with someone from the organization before they will release the funds. I have provided the name and telephone number and received no help. Today, Monday, XX/XX/2021, I have spent about 5 hours on the phone where the calls ended with Capital One disconnected the line and providing no help. This is the SECOND check this issue has occurred with. Both checks are for scholarships that my son has received for college expenses. 
Capital One representatives have provided NO details or information as to why these funds are being held. When I have inquired about more details, I have been told " we don't have to answer that. '' I have 7 accounts with this bank including 3 credit cards, 2 checking accounts, 1 savings account and now my auto loan. No one should be treated this way when trying to handle their financial business with a banking institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
on XX/XX/2021 a payment was sent to kia motor finance check was cashed on XX/XX/2021 on XX/XX/2021 i recived a call from kia that i did not make a payment i checked my checking account and saw it was cashed on XX/XX/2021 i gave them a payment over the phone in hope that it could be found after talking to XXXX  at the end of XXXX she said she found the missing money and it would be credit to my account in 5 to 7 days never happened called back beginning of XX/XX/2021 talked to XXXX again was told that the money was there would be applied to my account in 5to 7 days and was told not to make anther payment untill this was resolved. on XX/XX/2021 i recived a call from kia stating i was past due and needed to make a payment at once. after trying to explain i was transferred to XXXX XXXX who also said he found the missing payment and it would be credited in 5 to 7 days i cant get these people to fix this i only have 1 more payment due until lease end this has now been going on for 75 days and my account is showing past due please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Was not notified of investigation status or results
Company: Self Financial Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This SELF / LEAD with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello my name is XXXX XXXX. On XX/XX/2021 I sent a letter to the credit reporting agencies regarding a dispute response of an account on my credit report that was inaccurate. I also sent a FTC letter and made a complaint to the cfpb regarding the investigation process and how XXXX  and equifax did not give me a proper answer regarding the investigation and their findings and also delayed their initial response longer than 60 days. Also Equifax sent me a letter failing to abide by the law FCRA 605b even though I sent a FTC report. In the letters I clearly noted that I was severely affected and my information stolen during the XXXX  and the equifax data breach and I am seeking the help of the CFPB. Through this whole process they have failed to give me proper evidence of the validation of the debt and verification that I was the one that sought out the debt to being with and I want the item deleted from my credit report immediately. I deserved a proper investigation into the matter and not a template response in regards to a personal matter that is affecting me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This CAPITAL ONE with Account number XXXX appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX. I have no idea about the said account. Send any and all documentation that validates your investigation and comments and that the 3 Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I got a late fee charge of {$19.00} on XXXX because I assumed I was going to have a break due to the pandemic but it did not happen. 
I always pay over the suggested amount given by Navient. In the last months I was supposed to pay {$300.00} and I have been paying {$310.00} but in the last month due XX/XX/XXXX I did not distribute correctly the payment and I got a non-paid {$7.00}. I have received phone calls about this. I requested to fix it and they charge me a late fee. The last customer service agent started very supportive but in the last 5 minutes was very mean and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/2021

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 2021-09-13 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: PA

Complaint narrative:
On XX/XX/2021 I sent Transunion a dispute in regards of my consumer report. I stated the law that they violated and i demanded them to remove it due to the great harm it has caused me. They didnt remove it and now Transunion is civilly liable for their noncompliance so it lands me here again. My purpose of this complaint isn't for transunion to get these accounts validated. The purpose of this complaint is to ensure these accounts attached to this complaint will be permanently removed from my consumer report/file, and to be paid for the violations stated in My Affidavit of truth. Please understand that I am not saying these accounts were opened without my permission, I am clearly stating that Transunion violated my consumer rights Pursuant to the FCRA 15 USC 1681. This is my second time trying to get these items removed these accounts being listed on my consumer report is doing great harm to me while trying to provide for my family in these hard times.

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 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!

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 2021-09-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge the accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Amount showing due on my Experian Credit Report is incorrect and was never late. After submitting supporting documents to XXXX and Experian the item was REMOVED & DELETED as of XX/XX/2021. I'm not sure why Experian was not have been made of aware of this issue being as the other 2 agencies were and the fact they deleted it almost 4 months ago. I'm in the process of a loan closing and this issue is holding the closing up. Please fast track this request if possible.

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 2021-09-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: LA

Complaint narrative:
In XXXX of XXXX, I was solicited for a loan from and entered into a financial contract with Republic Finance for a {$1500.00} loan. In XX/XX/XXXX, I ran into a financial hardship and verbally spoke with my accounts representative and we agreed to payment for the next 6 months of {$50.00}. I commenced to making the verbally agreed amount and received a notice that a court filing had been filed seek a judgement for the full balance of the loan. I went before a XXXX XXXX Judge where I agreed to a consent judgement in XXXX of XXXX to pay the balance owed to Republic Finance. In approximately XX/XX/XXXX, I received a written document from Republic Finance offering to settle the account for approximately {$700.00}. I agreed to the settlement and in XX/XX/XXXX I paid them the agreed full settlement amount. 

In XX/XX/XXXX, I received a document from the judge of XXXX XXXX Court stating that I had satisfied the loan. At that point I had not further contact with Republic Finance and I did not realize that they did not report the updated information to the Credit Bureau. 

In XX/XX/XXXX, I applied for a Mortgage and was denied. I found out that I was a victim of Identity Theft and had the corrections completed. In XX/XX/XXXX, I attempted to apply for a mortgage again and was again denied as I was considered a risk. At that point the lender explained that there was an issue on my record identified as a debt to Republic Finance that stated that not only is the account seriously delinquent, it was months in collections and still showing a balance due of approximately {$1400.00}. 

I then proceeded to dispute the account with the Credit Bureau twice and the company did not make any changes on the first attempt and made a correction that the account was settled in full with 14 months of delinquency and in collections until XX/XX/XXXX. It also caused my credit score to drop tremendously. 

I then thought to call Republic Finance and see if I could rectify the matter. I have been in contact with them daily for over a month, and the matter has still not been resolved or corrected. 

Therefore, I am writing to you for some sort of relief. I did indeed receive the funds from this company. I did indeed made every effort to fulfill my obligation with Republic Finance and the Court of the City of XXXX. I believe that Republic Finance violated the Fair Debt Collection Practices and has harmed me financially. I am now aware that they could be the reason that I have been paying higher interest rates on purchases and am being denied a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CITI bank denied application due to unknown reason. Please see copy of attached letter.

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 2021-09-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
RE : Remove the following account from my report : XXXX  ( Account : XXXX ) This letter is in response to Experian 's recent claim that XXXX, verified the account they are reporting is accurate with a debt in the amount of {$4200.00} or {$4400.00} OR {$4200.00}.

Im requesting a REMOVAL of this inaccurate information, because Experian did not correct or remove per FCRA. 

I dont believe Experian did an independent investigation and are only forwarding me the results the furnisher provided to them without going beyond the original source of info after a request for reinvestigation. 

Because of this, Im requesting the removal of this inaccurate information immediately and Ive logged this as negligence. 

Experian failed to investigate and correct inaccurate information on my credit report and this has caused my family great harm : My children had XXXX and we were unable to get the proper shelter we needed due to this degradation of my credit score. 

I have also not been able to finance a car due to this incorrect information that is deteriorating my credit core and quality of life. 

I have a XXXXyear-old who RECENTLY HAD XXXX  that I can not drive to necessary appointments or school due to this impact to my credit. 

Me and family are suffering injury due to these errors in reporting.

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