vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-10 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: CAINE & WEINER COMPANY, INC.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) Caine & Weiner ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: CCS Financial Services, Inc.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction, Your Company didnt even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15USC 1602 ( k ), the term adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 
Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of the transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices.

From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( g ).

According to 15 USC 1602 ( p ), the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have the actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. 

I hereby request you to DELETE THIS ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15USC1692G ( 4 ). 

XXXX. ) XXXX XXXX XXXX  ; Acct. No # XXXX ; Date Opened : XXXX ; XXXX. {$470.00} XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$480.00} ; XXXX. ) Credit Collection Service ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$640.00} ; and XXXX. ) XXXX XXXX XXXX ; Acct No # XXXX ; Date Opened XXXX ; XXXX. {$1400.00}. 

ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX. 

All Rights Reserved Without Recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In XX/XX/XXXX. I contacted US Bank regarding a forbearance for my mortgage. I was placed on forbearance for the month of XXXX. I was told that the payment would then be due in XXXX but if I needed further assistance to contact them XX/XX/XXXX to see what I can be approved for. I contacted them on XX/XX/XXXX just to be proactive to see if there were any other assistance options. I spoke with a representative and she told me that she would have to end my forbearance to see what I would be approved for. Before we continued the process I let her know that if this would negatively impact me that I did not need to continue with further assistance and that we would be able to make our mortgage payment by XX/XX/XXXX. The rep did not confirm nor deny that this would negatively impact even though I mentioned this twice during the call. She continued to see what I would be approved for and she offered me a payment deferral for XXXX and XXXX mortgage payments. During this process none of the disclosures mentioned how this could negatively impact my account or my credit report. I called back on XX/XX/XXXX to make sure everything was in place for the payment deferral and to make sure I was ok to not pay my mortgage that day. On XX/XX/XXXX I got a credit report update that my mortgage is 30 days late. I immediately contacted us bank  and they me I could dispute it which I did but it was not changed. I worked with US bank for a month to try to get answers and to see why I was never told that if I did a payment deferral my credit would be negatively impacted. I had multiple phone calls and nobody was able to assist me. The phone call where I stated that if this would negatively impact me was listened to but US bank stated that they still would not change the reporting. I asked for further explanation on how this could happen and the last representative I spoke with on XX/XX/XXXX refused to further explain because she said they already did. I had multiple phone calls with this company and stated I could make my mortgage payment on the XX/XX/XXXX but I was never provided the information I needed to prevent this from occurring. I also stated I could make the mortgage payment and was never told to make it to prevent negative credit 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
Consumer complaint received 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I closed on my first new home on XX/XX/2023, and took a loan for {$690000.00} with a 6.5 % interest rate. This was an interest only mortgage. {$4900.00} was paid at closing. Of this amount, {$1300.00} went to Interest and {$3500.00} went to Escrow. 

On XX/XX/XXXX, my first mortgage payment was due and {$5500.00} was removed from my checking account on Autopayment ( {$3700.00} of Interest and {$1700.00} to Escrow ). 

For whatever reason, the bank made an error and is saying they sent me back {$1700.00} and I still owe my XXXX mortgage payment and now my XXXX mortgage payment which was supposed to be auto-debited, and was not. 

Therefore, Citizens Bank has made multiple errors in this process : XXXX ) Stole the money from my first mortgage payment, and is saying I didn't pay it ( even though they have records of my payment ), 2 ) Not auto-paying my 2nd mortgage payment or allowing me to make a 2nd mortgage payment and stating I owe 2 mortgage payments values, and 3 ) The most critical thing to overcome is that Citizens Bank filed a report with the Credit Bureau saying I missed my first mortgage payment, which is categorically false and this is the most important thing that must be resolved on their end. As my credit score dropped nearly XXXX points from Citizens Bank 's gross incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
There has been issues with our mortgage company paying things for our escrow account that they shouldn't have like our XXXX  XXXX  insurance policy and paying other insurance policies without our consent. However, this is not my main concern. Our escrow account was in a deficit until XX/XX/2023, we paid it off and it was positive. At the beginning of XX/XX/2023, we notified them of our property tax exemption. On XX/XX/XXXX, Cross Country Mortgage advanced funds for our personal insurance for the amount of {$2200.00}. Upon doing this federal law states that they are required to conduct an escrow analysis before recouping the funds, this was not done. Cross Country Mortgage continues to charge us {$1000.00} a month, even though the escrow account is paid off again and positive {$1500.00}, with no other items to be paid. They are charging us more than XXXX of our annual escrow payment and are holding more than XXXX of a cushion. It is against the law for them to do so. They refuse to do anything and continue to charge us late fees and inspection fees because I am now refusing to pay them the {$1000.00} extra for the escrow account which is not owed and illegal for them to collect. We have contacted Cross Country Mortgage numerous times and all employees refuse to do anything, they deny all violations, and continue to charge us, until they decide to do an annual escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I was pre-approved by a XXXX XXXX XXXX in XXXX, Delaware. I needed to replace a totaled car due to an accident. I was pre-approved through Ally Finance the last week of XX/XX/XXXX. I went to XXXX on XX/XX/XXXX. I was told to go into XXXX to sign my documents. My pre-approval loan included gap insurance. XXXX ran their own credit reports. I told them they did not have approval to run my credit again. The issue was resolved and I left with a XXXX XXXX XXXX. On XX/XX/XXXX, 16 months later, I was in a XXXX  accident. The car was totaled. XXXX XXXX at XXXX ext XXXX confirmed my loan had XXXX  insurance but could not give me the information. XXXX loan papers does not have it included. So I'm requesting the actual recording to be researched. I know 100 %, I requested XXXX  insurance because of the loss in XXXX. I need the remaining balance to be paid off. I don't know why it's not notated but the finance amount is exactly what the representative quoted me with the XXXX  insurance. Please Help!

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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I was trying to get cell phone service from a carrier. They said that they needed to run a credit check, so I gave them my SSN. When they ran my credit, my file was frozen. I then tried to unfreeze my credit report through Transunion only to find out that they intentionally banned me from freezing or unfreezing my credit report online, and I have to call them to change the setting for the rest of my life. One of their supervisors said that my account was flagged as " high risk/fraud '' by their system but wouldn't go into further detail. I believe this was because I sued them, but he said that it wasn't the reason. So since they won't give me a real reason, since they have defamed my character, I will be filing another small claims lawsuit tomorrow or possibly take it to federal court. They have defamed my character once again and I will not tolerate it by the slightest.

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 2023-12-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
i have reviewed my credit report and found there are several inaccurate data points within my personal identification which Experian along with XXXX are reporting. 
8 U.S.Code 1305 Notices Of Change of Address, on XXXXXXXX XXXX i am requesting the following : My only name is XXXX XXXX XXXX XXXX delete/remove any other name you are reporting that does not match. only have one name on account. 
My only address is XXXX XXXX XXXX XXXX XXXX, Michigan XXXX remove any address that does not match this address My only social security number is XXXX Please remove all telephone numbers and employment contact. 
Both credit agencies has put me in a XXXX place as far as getting transportation Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX Date : XXXX These two agencies has refuse to follow The ( FCRA ) and report accurate information. 
I am asking that cfpb make sure that these reporting agencies implement the correct information on 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 2023-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I found the company XXXX XXXX on my credit report for XXXX XXXX in the amount of {$520.00}, that I've never received.

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 2023-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MA

Complaint narrative:
My direct deposit was changed to an account wasn't mine. The account was changed to a chime account that does not belong to me. XXXX is also doing absolutely nothing to help me get my paycheck. I am now out XXXX and no one seems to be giving a XXXX  XXXX. 

The account that has my stolen funds is XXXX. Its from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America froze my account and closed it, but has not given me any of the XXXX XXXX  that were deposited in it from my direct deposit and bonus from work. They admit the money is there, and is somehow under investigation ( even though I had previously informed them of some oddities in my account and given them a link to a police report. ). 

It has been held since XX/XX/2023 and no one will do anything to help me. Ive since lost my car and am under eviction as a direct result of Bank of Americas actions. 

On top of this, they send me a monthly statement telling me how they took out their XXXX account fee talk about infuriating.

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 2023-12-10 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: AL

Complaint narrative:
After XXXX XXXX  of being a XXXX customer this bank failed me and my family very badly. Failure to communicate that a account had gone in negative and would be charged off. My wife called after getting a letter stating account was overdrafted on XXXX. The banker told her how much it would be to clear account up but not the date would be a charge off. We paid the balance to correct the negative balance at that point of paying i was told my account was getting charged off XXXX bank said policy is to notify you 30 days late then charge off soon after that. You get the notice on day XXXX plus in the mail then day XXXX XXXX it's charged off. My problem is nobody called saying hey this is courtesy call, your account about to be charged off. My problem is that the bank wasn't clear on the time frame to pay but negatively affected my credit without proper notice. Around day XXXX something no call just a XXXX time letter .I 'm a XXXX  XXXX  customer with no problem before with my account. I believe so more than that letter, I paid account on that day then waiting in the line found on my account was charged off.

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 2023-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: AMERICAN PACIFIC MORTGAGE
State: IL

Complaint narrative:
American Pacific Mortgage Company did not protect me under the Acts of FHA ( Fair Housing ), and ECOA ( Equal Credit Opportunity Act ) by relying on an appraisal that it knew or should have known to be discriminatory causing adverse impact. That precluded the application of my good credit to any housing opportunity and the stated objectives of the XXXX XXXX  that is signed into law for the benefit of myself and the greater community of XXXX, XXXXXXXX XXXX is XXXX in XXXX XXXX XXXX is rent supported by closed sale prices of $ XXXX per unit Existing renovated XXXX XXXX XXXX and " As is '' XXXX XXXX sqft are rent supported at {$2000.00} to {$2800.00} throughout XXXX and its XXXX XXXX in a XXXX XXXX mile radius. 

Which are all low income census track communities that are socially economically parallel. ( XXXX XXXX, XXXX XXXX, Washington XXXX, XXXX XXXX, XXXX XXXX ) There is no shortage of rental income comps to support the lower cost of construction at at $ XXXX per unit. ( total project cost $ XXXX/ FHA loan $ XXXX ) In essence the appraisal redlined my property at {$2000.00} a month ( XXXX XXXX XXXX ) when there is no shortage of XXXX XXXX units that are available above this amount. 

This would not be a problem if there were no comps available of sufficient value ( $ XXXX {$2800.00} ) to support the cost of new construction ( $ XXXX ), existing renovated construction and " As is '' ( well kept ) XXXX XXXX sqft units that have rent values that easily support the $ XXXX existing renovation cost. 

These are XXXX XXXX  boxes that are XXXX new condition XXXX multi unit properties that are all parallel, confirmed by closed sale over the last XXXX yrs at $ XXXX ( please see exhibit XXXX ) And therefore the rental comparisons are directly relative and should have been considered. 

Actions Taken : Multiple timely appraisal rebuttals since XX/XX/23 See supporting documents for in depth details

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 2023-12-10 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: VA

Complaint narrative:
Reporting Agency- Equifax XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above unverified are fraudulently being reported on my credit reports that I have disputed several times with Equifax XXXX XXXX and XXXX and each time they keep telling me that these accounts are verified. However none of mentioned credit bureaus could provide me the method or proof of the verification process. None of the above collection agencies have not sent me a copy of the original assignment nor a copy of the original contract signed by me and this is a violation of 15usc1692g of the FDCPA. As a federally protected consumer I have a right to verify the debt and bureaus are fraudulently reporting these accounts based solely on heresy and not first hand documentation or knowledge that the debts and accounts are mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
A pending transaction in the amount of {$120.00} was XXXX  against my checking account making 80 % of the deposited funds unavailable for use. The bank was unable to provide visibility to the merchant making the debit against my account. The bank was also unable to provide sufficient corrective action.

Company response to consumer: Closed with explanation