vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: MA

Complaint narrative:
Hello There, I had applied and got the Bank of America Preferred Rewards credit card which has an charge of {$95.00}. In all their Promotional material it says get up to {$200.00} in travel statement credits with {$100.00} towards airline incidents such as seats, baggage etc. Please refer to this link : XXXX XXXX XXXX So I paid {$200.00} for 1 Bag on XXXX XXXX XXXX XXXX XX/XX/2023 for travel from XXXX to XXXX to XXXX for which I didn't get the {$100.00} credit. On calling the customer support and raising the ticket I was informed about the Terms and conditions has a mention on which Airlines are allowed. As an average credit card user, when you look at the above link, there is no mention at all that the travel incidents apply only for certain airlines like there is no asterisk or any other sign. Also in their promotional material there is no mention of any restriction so I didn't look into the terms and conditions. 

Now my issue is that Bank of America is grossly misleading people in believing that {$100.00} credit applies to any airlines in their marketing material with no mention of conditions apply or an indicator like asterisk that it applies to certain Airlines only. How are we supposed to know to check on such fine print? 

I request you to please look into my case and help me with some resolution. 

Thank you! 
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 monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
Email sent to XXXX XXXX and XXXX XXXX on XXXX : I spoke to XXXX XXXX ( Shellpoint, a division of Newrez ) three times ( XXXX, XXXX, and XXXX ) regarding my loan modification that was supposed to carryover from XXXX XXXX. On XXXX XXXX XXXX told me maybe they're still working on it, but never checked, just guessed. 

Since my loan modification from XXXX XXXX that was supposed to carryover to Newrez, as promised, wasn't happening and I wasn't getting any definitive answers to my questions, I decided to apply again. I haven't received any information or request for information about this, but looking at my account today I see that many documents are being asked of me. All of this information/documents should have already been given to you from XXXX XXXX. I shouldn't have to begin the process again when I already completed the XXXX XXXX with XXXX XXXX and was approved for a loan modification. Newrez is supposed to legally honor the loan modification that was approved by XXXX XXXX before being transferred to Newrez. 

I received a letter from XXXX XXXX, Newrez Compliance Department, dated XX/XX/2023 which states, " Newrez was able to locate the Loan Modification Agreement signed by you on XX/XX/2023. Nonetheless, the copy of the document provided by the servicer does not reflect it was executed before the transfer. Hence, our Loss Mitigation Department has reached out to XXXX XXXX to obtain the original copies and be able to proceed with the implementation of the loan modification. In the event additional information is needed, one of our Loss Mitigation Specialist will reach out to you. '' No one has reached out to me. 

Therefore, I'm thinking I should file a complaint with the Consumer Financial Protection Bureau and the State of Michigan Department of Insurance and Financial Services. I don't understand why I'm getting the runaround. I was told that Newrez would honor my loan modification that I completed with XXXX XXXX before being transferred to Newrez. This all feels like a game and manipulation to me. It's a terrible shame that big mortgage companies treat their customers in such a manner. 

I would like to reiterate the reason I initiated a loan modification with XXXX XXXX. In XXXX of this year XXXX, I was diagnosed with XXXX XXXX XXXX XXXX XXXX... ( *I provided details in my original letter ). 

I would appreciate it if you would give me definitive answers as to why my loan modification hasn't been honored and when will it be implemented? I've never been late or behind with a mortgage payment in over 30 years and I would like to keep it that way and a loan modification would help me tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: TX

Complaint narrative:
A credit card was taken with a credit limit of {$12000.00}. 
After months of using the card and developing a balance of around {$5400.00}, the card was stopped being used, as the card was at a 44 % usage limit, and we did not want the cards usage limit to affect our credit scores by maxing it out and showing irresponsibility. 
I logged onto my credit card app to pay the bill, and I noticed the card company had lowered the credit limit to {$5500.00}. Leaving me a credit limit of only {$100.00}, and essentially forcing the usage limit to now 100 %, causing a nose-dive in my credit score. There was no notification that the limit on my card was being lowered. No letter, no notification, no communication from the credit card company. No bills have ever been missed or unpaid. This is not allowable. Credit card companies are not allowed to perform actions that cause bad credit on customers who have never defaulted on their payments. If you offer me a card with a specific credit limit, it is my choice how that credit gets used, as it was also my choice to participate in accepting the credit card. This action is going to hurt my credit score and prevent further use of my credit rating to aquire future credit. Changing my credit card limit without any notification to automatically max out my credit card when I specifically chose to keep it at 44 % usage is not legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
My dad opened an account with XXXX XXXX in XXXX maybe XXXX for my son 's college fund. He deposited {$2000.00}. In XXXX I reached out to the bank that bought XXXX ( Wells Fargo ) and they are telling me the account doesn't exist. How could that be? What happened to the money?

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 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
When my mom passed away in XXXX, I began the process of trying to address all her accounts and bills. I took her death certificate, her will showing me as her sole beneficiary and my previous POA into the branch on XXXX XXXX. The Manager at that branch said they wouldnt even review any of that paperwork. They wouldnt even send it to the legal department to review, as I could have forged it. I had all her statements and a safety deposit key. She had taken the key from me and was practically refusing to hand it back to me. Flabbergasted, I asked what Im supposed to do and she shrugged and said, Get a lawyer. 

So, at more cost than whats even sitting in those accounts, lawyer hired and Estate filed. This time, went to the XXXX XXXX. Was really hoping for better customer service and compassion. Spoke with XXXX at that location. Gave him a certified Death Certificate and Certified copy of the Estate Paperwork. 

He called me back a week later and said the legal department would not consider that paperwork as the Testamentary had an expiration date. 

My lawyer said hes never heard of anything like that. But, he wrote a letter requesting they assist me and allow us to close the accounts and safety deposit box. 

XXXX called me back and said the legal department has okayed closing the account. I said I would return Saturday to take care of it. He said he wouldnt be there but would tell the Manager to expect me and theyd have everything ready. But then said they dont think the safety deposit box exists. No record of it. Weird, since I have a key in a marked envelope Went into the branch, as we discussed. XXXX, the Manager, said they have no record of any of this and cant help me. Come back another time. I asked if they can just call their legal department to confirm approval to cancel the account. They said, They dont allow us to call them.

I have jumped through every hoop, at personal cost, to close her accounts. Theyre denying the safety deposit box exists and playing games. They are refusing to comply with legal paperwork. I have spent a lot of time and $ to get what they owe ; I shutter to think what they do to families who are grieving and dont have the same resources I do. It feels like a game where they hope Ill just give up and they can keep funds that dont belong to them.

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 2023-09-09 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: AL

Complaint narrative:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: AL

Complaint narrative:
I didnt give my permission for this company to report my personal information to any reporting agency or person and they are in violation of my privacy rights

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 2023-09-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I woke up to find out someone applied for a credit product in my name without my consent resulting in a hard inquiry from XXXX XXXX. I am a victim of identity theft. I attached a copy of police report, and identity theft affidavit that's been filed.

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 2023-09-09 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: VA

Complaint narrative:
XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as 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 2023-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I have an account with us auto servicing for my XXXX XXXX XXXX, I bought this car on XX/XX/XXXX and paying XXXX every 2 weeks, It shows I currently owe {$14000.00} on this car, the value of this car is only around {$4500.00}. I'm considered upside with my car payments when I was trying to trade it in for something more up to date. I signed up for gap insurance and extended warranty as well. Just recently I was told that the extended warranty policy doesn't even exist but it's an extra fee on my loan. I want to be released from this high car loan so I can get another car more reliable, my check engine light keeps coming on and the car ran hot on me one day after work. I can't call them to see about getting it repaired since the company is now closed and transferred over to Westlake profolio LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
As I viewed my credit report I noticed some inaccurate reportings on it from the creditor. This inaccurate information is hurting my payment history and in turn bringing my credit score down and blocking me from providing the financial freedom my family deserves.I emailed the creditor and asked for a payment history and for this to me resolved but i got no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've had a number of difficulties with Capital One rejecting charges that I pre-approved so on XXXX XXXX XXXX I called to cancel my card. I had previously applied all remaining rewards to my balance and paid off the balance in full, which is my normal monthly habit. 

After going through the validation procedures with their agent, the agent informed me that once I closed the account, I would be barred from reopening it. I found this odd, but I had no plans to reopen the account and said that is fine with me. 

The agent then said I had {$1.00} remaining in cash rewards. I said that was odd because I had redeemed all of my awards prior to making my payment. I first said that they could keep it, but the agent said they would mail me a check ( to the address on my account ) and I said that would be fine. 

However, the agent then said that she needed to do some additional verification steps in order to send me the check. The verification step involved sending me a code over the phone that I would have to repeat to her. I said, I'm on the phone with her and have no other phone to do that. I asked if she could send it by email and she said no. I asked if I could hang up so then could send the code and she could call me back and she said that wasn't possible. She then said I could send them a copy of my drivers license and some other forms of identification. After much frustrating discussion, I asked to speak with the supervisor on duty and was transferred. 

I explained the issue and asked ... ... ... .if you were satisfied with my verification to close the account, I don't understand the need to do an additional verification in order to mail a check for the rewards balance. She did admit that it didn't make sense to her either, but that is the company policy. 

The conversation ended with my advising/stating that I would be filing a complaint with the CFPB. 

Now, all of these credit card companies will gladly open an account online with instant approval. There are no hoops to jump through. Their policy of additional verification is a deceptive trade practice ... or a practice to attempt to coerce someone to keeping the account open.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Around XX/XX/2023 Citi blocked my ability to access my funds on my checking account arguing they could not verify my identity. I went to the branch and presented my passport and still Citi did not unblock my account with me present and with my official ID. I then called multiple times and Citi argued they could not unblock my account until I had my phone verified. I provided my number which was the one I used at opening the account and they said they could not verify it. This happened multiple times after hours on the phone and multiple visits to branches. Citi on XX/XX/XXXX said they would send me a letter with a verification code and that it would take 5 to 10 business days but I never received the letter despite Citi having confirmed that they have the right address. Today is XX/XX/XXXX  and I have still not received the letter nor has the account been unblocked despite my efforts through calls and visits to branches. As it stands Ive incurred in around XXXX dollars worth of fees. XXXX XXXX at the Citi XXXX XXXX XXXX and XXXX XXXX was the last interaction I had at the branch today. They called the Citi team that is supposed to be able to solve this but they have referred to a verification letter the same referred to above from XX/XX/XXXX that I never received. I did receive however another letter from citi regarding tax forms so we know that I live at the address stated on my account and that citi is able to get letters to me. This is causing not only a high degree of XXXX  but I have also not been able to make any payments from my account including rent and utilities which not only damage my credit score but also creates the risk that I breach my lease and my other obligations. This is also the account where I receive my salary so I dont have access to that either.

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 2023-09-09 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: VA

Complaint narrative:
XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as 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 2023-09-09 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:
XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 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: MD

Complaint narrative:
These debts were paid and they are showing on my credit report as charge offs. some debts still showing on my report as collections but have a {$0.00} balance. I believe these to be a misrepresentation of my credit worthiness and should be removed from my credit report at all three credit bureaus pursuant to FCRA regulations. 

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Data Mortgage Inc.
State: MD

Complaint narrative:
I have a mortage loan with Essex Mortage for the last month. I have not been able to speak to anyone at the company. I have emailed several times, ive called several time different time of the day. No one answers the phone, there is auto message and then it drops the phone call. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed the cusumer care on XX/XX/XXXX, XXXX, I just get a automated reply from the emailes. I used the Fill out the form below to send a message directly to our Servicing Department on the home page and the contant us form in the portal also no response. 

I can not pay my mortage. The website will not allow me to do any one time or recurring payments setu p I get a " Please call us to discuss your loan and make payment ''. Again the automed system hangs up, i cant get anyone on the phone.

Also the website has to update payment history and my payment information is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

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 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete all errors on credit report and my scores

Company response to consumer: Closed with explanation