vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: 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 U.S.C 1681. 
Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name.. XXXX XXXX XXXX. XXXXXXXX XXXX Account Name XXXX XXXX XXXX ... Account Name... XXXX XXXX XXXX... 
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 an 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I've made four calls to their customer service department of this Mortgage company to explain their estimate of a shortage spread of the escrow for taxes and house insurance of XXXX for this past year and a escrow increase of XXXX per month to cover this shortage. 

( On the back page of their legal sized letter was a projected shortage of XXXX for XXXX. ) Numbers based on last years fees {$1600.00} for property taxes XXXX paid paid on XXXX by the company And {$1300.00} for Home owners insurance paid on XX/XX/XXXX by the company total for last year XXXX The total collected by the escrow amount last year was XXXX per month equaling XXXX that leaves a shortage of XXXX!!!! 

I called the office of XXXX XXXX XXXX XXXX and was told my will be XXXX for this year with a 4 % discount if paid by XX/XX/XXXX leave a total of {$1700.00} which calculates a {$67.00} increase My home owners insurance went up {$130.00} from the previous XXXX to {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have made a couple purchases with the Bank of America travel rewards that supposedly qualified for the " XXXX '', but were never redeemed. After several attempts to contact the bank for payout, they have repeatedly denied. 

The first one was a brake purchase made from XXXX XXXX totaling {$450.00} on XX/XX/2023. The selected XXXX should have given me {$41.00} back on the purchase. I complied with the requirements that were setforth by Bank of America, however because XXXX XXXX was recently purchased by XXXX ( this is publicly available information ), the credit card transaction showed up under XXXX. I still have the receipt for the purchase, and despite at least 5 calls in to Bank of America, they denied my claim and did not even give me a chance to send them the evidence that I qualified for the deal even though I asked them directly for an email address to send the receipt to. 

The second purchase was a XXXX subscription that I made through my XXXX device. I should have received {$16.00} back on this transaction. Similar to the XXXX issue, the transaction showed up as XXXX on behalf of XXXX. Bank of America also denied this claim because I made the purchase " through my XXXX device '', even though it was directly in the merchant 's XXXX XXXX app. 

In both situations, I qualified and complied with the terms and conditions of the XXXX  to the best of my knowledge and ability. Neither purchase would have been made had I known that I would not receive the total {$57.00} discount. XXXX are quite clearly misleading to consumers and the bank needs to be doing a better job with honoring them or at least taking a little more effort in getting them resolved.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS Equifax FRAUD VICTIM. 'INITIAL ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
When I received the pay off it was XXXX that same month my morgage was transred to XXXX XXXX with a deferred balance of XXXX add to my morgage. My year XXXX XXXX 1098 morgage statement was XXXX XXXX statement for XX/XX/XXXX was XXXX XXXX statement for XX/XX/XXXX was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP !!!

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 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 2023-10-31 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: DISCOVER BANK
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand that these unauthorized recording be removed from my credit record immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: MOHELA
State: NH

Complaint narrative:
I submitted my XXXX application on XX/XX/23 through Studentaid.gov to MOHELA. MOHELA still has not processed the claim and is ending my administrative forbearance today, XX/XX/23. 

I contacted MOHELA by phone twice on XX/XX/23. After being put on a callback list and waiting 3 hours for a call back, the servicer left a voicemail instead of actually calling me. I had to call back and sit on hold for 90 minutes before reaching a representative. The representative told me that my application had been processed but isn't reflecting on my account. She said that it would take effect soon, but never told me specifically when. They put me on a " LEVEL '' plan and are going to charge me {$610.00} instead of the {$250.00} from my XXXX application. 

I have also submitted an online message to them asking about this, but have not heard a response. I have requested to be put in administrative forbearance while they figure out how to apply my application to their website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I had a loan with Hyundai Motor Finance for a XXXX Hyundai XXXX. I paid it off on XX/XX/XXXX. I did not realize I had a balance because they stopped sending me statements when the initial term ran out. They told me they would submit the lien release within five days. I have contacted them multiple times and they told me they can not find the title because the vehicle is old. I asked for a lien release to be done so that will trigger the DMV to send me the title and I am still being given the runaround. I called again last Wednesday, XX/XX/XXXX, and I was told that a manager would call me back. No-one has called me back. I want to get rid of the vehicle but can not do so without the title in my possession. The vehicle is currently in storage. I am at my wits end because I am not getting a straight answer from Hyundai Motor Finance about this issue. I received the paid in full letter yesterday, XX/XX/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 2023-10-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-31 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: WAFD BANK
State: CO

Complaint narrative:
On XX/XX/. I went to utilize the atm machine at Wafd bank, located at XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX. I took out a XXXX $ bill, and paid the XXXX $ atm fee. Like I have done 2 times a month, for the past 3 years. Using my XXXX $ bill for 1 load of laundry, I go into the branch to break the XXXX $ bill into XXXX XXXX $ bills. For the first time in 3 years, the teller asks me for my ID. So I provide it to her. As she is typing in information off my drivers license, I inform the teller, that Im breaking a XXXX $ that was dispensed from there atm machine, and that Im not applying for a loan or credit. She then stated that she has to capture this information for any money coming out of her tell. Which is not true, as Ive done this several times before. When she was done typing all the information from my drivers license, she then asked me for my social security number, I then told her Im absolutely not giving her that information to break a XXXX $ bill, and that we are done here. She said thats fine and gave me back my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I paid off my mortgage on XX/XX/XXXX XXXX XXXX with excess funds left over in escrow. The check for the amount was supposedly mailed on XX/XX/. It never arrived in the US mail. After repeated calls to BECU to ask what happened to the check, a second check was issued on or about XX/XX/. That check has not arrived either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have 4 egift cards from American Express from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have used one of the gift cards in XX/XX/XXXX and had success so I know they have worked in the past. I went to use all of them yesterday and they were all declined. The American Express website says I have a balance on all of them. The American Express website also says " The safety and security of your Gift Card is important to us. To avoid your Card being declined when shopping online, please use at online merchants that require the Card number, expiration and security code. ' I am shopping on XXXX where I used the card prior. A security code and expiration date is used on XXXX so there is no reason these cards should be declined. I also tried one of the cards on XXXX on XX/XX/XXXX and that was also declined. I called American Express on XX/XX/XXXX and was told to use the card at a different online store and that this happens with some stores and not all. I called AMEX today and was told the pending XXXX cent charges for my declined XXXX attempts would be returned to the card in 10 days. I am asked for a full refund of all of the cards and was told the customer service person understands but can not help. I asked to speak to a supervisor and have been on hold with American Express over 40 minutes now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX  and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.

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 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XXXX of XXXX I received a call from a number that was labeled SCAM on my phone. I answered it and the person stated they were with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and that they would be pursuing a collection of a debt. I have good/excellent credit. I asked where the debt came from, which they replied bank of America. Back in XXXX, I paid a collection agency a settlement amount for an outstanding debt with a bank of America credit card debt. I have not heard anything about this debt since XXXX, nor do any of the XXXX credit reporting bureaus reflect anything negative regarding a debt. They asked me if I had a letter proving that I paid the settlement amount ; since XXXX, I have moved several times because I was in the military and I have lost documents and items with every move ; this is just something that happens with moving. I do not have the letter stating I paid the settlement amount, but if I had not paid a settlement, surely it would reflect in my credit report. I asked how is it possible after XXXX, nearly 16 years, since I paid a debt collection agency, that I am now being pursued about a debt I have not heard about. They said debt collection agencies can have you pay an amount, but that doesn't cover the complete debt amount, and the remaining amount can be sold to another debt collection agency. I asked if they are debt collection agency, to which they gave me a vague explanation that they were not necessarily a collection agency. If this is the case, if a person pays a settlement amount with a debt collection agency, and the amount does not cover the whole debt, and the amount can be picked up by another collection entity, this would never end and this could be exploited continuously. This seems nefarious and an unjust practice. The phone number to XXXX contact is XXXX. Is there not a statute of limitations to which they can pursue someone about a debt?

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 2023-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
We were in the process of selling our home. On XX/XX/2023 we called the bank asking for proof that our forgivable loan was satisfied. We never recieved any documentation. Meanwhile we closed and the title company is still waiting for the satifaction for this sonymay loan. This should really have been sent to us over a year and a half ago. Last night I called to find out if the satisfaction was ever completed and I was told it never completed it was left open. I asked for this to be expidited by today and I still do not have the satisfaction from M & T bank. spoke to a supervisor who told me I still have to wait a couple of days. M and T bank has been giving us a hard time while they carried our mortgage and are still giving us a hard time getting the balnace of our escrow money from the title company while waiting for this satisfaction.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/23 my purse was stolen from my vehicle. I filed a police report and canceled my debit and credit cards. Somehow my actual bank account wasnt closed. On XX/XX/23 I signed in to my account after receiving a phone cal from a XXXX XXXX asking if my purse was stolen because a female fled the bank in the north east corner of ct after they told her to wait a couple minutes as she was trying to cash a {$3000.00} check. and saw that there were debit memos- not sure what that is, where someone withdrew {$2500.00}, and {$2600.00} on XX/XX/23. I filed a claim on XX/XX/23 with an agent named XXXX at XXXX pm. I have been checking in on the claim with the local branch, since the XXXX number has me on hold for XXXX minutes before anyone picks up and I often have to jump off before someone answers. Today I followed up again with XXXX at XXXX Citizens bank, and she told me that citizens bank is still waiting on information from the other bank for their investigation. I called the XXXX number and spoke with an agent- after being on hold for XXXX minutes who told me that no claim was ever filed! I am not in the position to just lose {$5100.00}. I need that money to pay my bills, mortgage, and feed my kids. At this point I feel like Ive been too patient believing that Citizens bank will get my money back in my account, and I no longer believe that they will. This entire situation has been grossly mishandled and has put me in a position where Ive had to borrow money from family and had to pay late fees and interest on my credit card.

Company response to consumer: Closed with monetary relief