vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My husband and I has timeshares program that has been sold back to the company and still reporting to Experian. We want this account updated and remove.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/2022 I received an email stating my accounts would be closed within 60 days. I have contacted Citi Bank multiple times via phone to have the remaining funds in my checking account sent to me. I was told a check would be sent within 60 days, and I had no option to obtain funds sooner, despite the email stating If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. I was also advised I was not able to go to a branch for assistance. Since this timeframe has passed, I reached back out to Citi Bank and was told I would no longer be receiving any funds. The funds in my Checking account totaled {$270.00} at the time I received the notice of closure. These funds are rightfully mine and Citi has no authority to keep them. My account statement shows an other debit in the amount of {$270.00}, leaving my account at a {$0.00}. I demand to know where my funds went, and prompt return of the funds to me.

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 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
we wrote a check for our real estate taxes, it was stolen out of the post office mail box, the payee and amount of check was changed.The check was cashed via mobile deposit at XXXX XXXX XXXX. On XX/XX/22 we signed an affidavit as to our claim with our bank PNC. Today is XX/XX/22 and we have no resolution or answer. This check was fraudulently made out to the amount of {$7800.00} and cashed! Some of the responses from PNC are as follows " keep checking your account to see if the money has been replaced '', '' your complaint has been escalated '' and " let me look into this and i'll get back to you ''. It's all a lot of stalling and XXXX when do I get the money that was stolen back? I have a XXXX filled with the names of people I have spoken with still no result!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I filed a complaint with the XXXX regarding BofA and their continued allowance of charges on a cancelled credit card. They also didnt provide access to bill from that card ( despite allowing charges ). This was referred to you. They said they would contact me but I continue to receive bills without contact. 

Today, someone called me and purported to be from BofA. They asked me for significant information including portions of my ss #. When I asked them to satisfactorily verify that they who called me werent a scammer, they refused without the Social Security info. They then hung up. If this really was BofA, it seems unreasonable to call me and expect me to then provide my personal info without first verifying their identity. Plainly, no one should give their ss info to a random caller.

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 2022-12-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX  XXXX has sent XXXX to serve papers on me for a supposed debt from 2007. When asked for any kind of verification of debt they refused to give me any and said I owed XXXX but I could pay them XXXX but all they say is it is a debt from XXXX from 2007. They give me invalid numbers to talk to their client they tell me that SC Statue or Limitations do not apply and I have to pay the debt or go to court. 

Their contact information is XXXX and XXXX when googled nothing comes up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.

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 2022-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank froze my accounts ( with a total of XXXX {$15000.00} ) on the grounds that I had suspicious transfers when the only transfers conducted were between my own external accounts under my name. They have been holding my money hostage for over a week now since XX/XX/XXXX and have provided the same boilerplate XXXX days response from their customer support team every time I called them after I've provided everything they've asked for. 

I use my Ally account for moving money around between my own accounts and I need this money now especially with the holidays coming. This is causing me financial loss by the day and Ally bank has refused to either provide a clear explanation of why my account was frozen or a timeline of when the " review '' is going to be done.

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 2022-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: AL

Complaint narrative:
I have a mortage with XXXX ( originated via XXXX XXXX XXXX in XX/XX/2021. My loan was for $ XXXX. I put 5 % down on the loan, requiring PMI. 

I have since paid the mortage down to 79 % of the loan, with a remaining balance of $ XXXX. They refuse to remove the PMI. I read that by law it has to be removed when paid down to 78 % of the loan. They said they will not remove the PMI until my loan balance drops to $ XXXX, which is 63.84 % of the balance. 

This is against the law. Please help me. 

Mortgage : LakeView Loan Servicing LLC 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 explanation
Consumer complaint received 2022-12-19 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: PA

Complaint narrative:
To whom it XXXX concern, I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

1681b. Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


As a consumer, I am demanding a deletion of the following accounts and the deletion of the following personal information both addresses and employers : 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  These following Addresses must be deleted : XXXXXXXX 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 These employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/2022 but i haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
These inquiries do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX on XX/XX/2022. I informed them that my credit report shows an auto loan that was previously closed due to being included in a bankruptcy. This account was closed in XXXX due to bankruptcy I received the alert from Trans Union on XX/XX/2022 that the account was reopened and I have past due balance. I spoke to numerous account reps who could not help me, nor provide any information about what happened.

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 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
XXXX XXXX Only ran my credit 6 times, after I asked them if they were only going to run it once. They lied and ran it 6 times which has brought my credit score down by XXXX points. They also ran it with several different companies. I tried to dispute the the credit companies has no way to dispute inquiry. so I was told.

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: AL

Complaint narrative:
I received a letter in the mail from MRS Associates about a XXXX XXXX collection bill of {$530.00}. The letter stated I had until XX/XX/2022 to dispute. I followed the directions on the paper but mailing and emailing the dispute on XX/XX/2022. I requested an investigation within 30 days. I still havent heard anything back. I did not receiving anymore information validating the debt, proof that the amount or cancellation debt was correct. It appeared on my credit report in XXXX for {$990.00} which is illegal and a violation of my consumer rights. 

I dont even have XXXX XXXX I have had XXXX XXXX XXXX  since XX/XX/2022. I have the same phones for 2 years. It doesnt make sense. 

I feel robbed of my rights and I am thinking about seeking legal counsel. My credit score drastically decreased and this has made me depressed. This is extortion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights. 
XXXX  XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXXXXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FCRA Violation : address and names not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : auto loan never late XXXX XXXX FCRA Violation : credit card not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : other loan never late XXXX XXXXXXXX XXXX XXXX XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Filed complaint with CFB regarding XXXX XXXX XXXX decision ( XXXX complaint ) XXXX. Also complained that my pay for performance incentive which was received in XXXX of XXXX  ( was not to be received per guidelines until XX/XX/2021 ( XXXX year of after trial period payments, that would be XXXX plus one month ). Per guidelines attached I should have received notice of my incentives no later than 30 days prior to the anniversary date ( pay for performance letter to sign ). Also to receive form XXXX, XXXX XXXX XXXX to sign. I did not receive such letter outlining my incentives which among the XXXX reduction of principal would also give the option to re-cast the mortgage at the lower principal balance. 

The original complaint was addressed XXXX but just went on to explain the form XXXX was already signed at the original modification. It did not address my request for pay for performance letter nor the recast of principal balance after XXXX was applied. Nor did it address why I was paid so early in advance out of guidelines. I can only assume that since the servicer also receives XXXX that they processed early. 

I had received a call from XXXX XXXX at Mr. Cooper, Home Solutions Department. i expressed my concerns. She stated if I wanted to recast, I had to request, they did not have to give me the option. Not within guidelines. I explained guidelines to her and stated I wanted the reduction of principal balance applied going back to the date I should have had the option to receive. She inquired with her company and stated no they would not do retroactive. 

I received the recast agreement XXXX, please see attached. There would be no way that it could be signed off of as my notes on agreement will attest. 

I emailed XXXX XXXX did not attach a copy but have ) and expressed my concerns. I then received a letterform XXXX XXXX ( attached ) explaining my concerns in written detail. 
No one in their right mind would have agreed to the terms the way the note was written as you can see. 

I understand now and have written documentation to feel more comfortable, however there are 2 outstanding issues. 

# XXXX. I have tried to research servicing guidelines and can not find my answer. The loan would be recast but not over a 40 year term but the remaining term I have left approximately 33 years. This would only save me about XXXX dollars a month vs XXXX per month re-amoritized under 40 years. I need to see clarification of the official guidelines from Mr. Cooper to make sure this is being calculated correctly. 

# XXXX. If I accept the recast, i am once again requesting that this be retroactive to the date I should have been given the option, this is per Federal guidelines that was not done.

Company response to consumer: Closed with explanation