vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Since XX/XX/, Citibank Online ( web & mobile ) has said that I have a notice waiting for me to review called " 90-day legal notice for conversion. '' I have been unable to download or view this document. I have contacted the call center, my relationship manager, and my financial advisor and used the chat feature online. No one in the last ~8 weeks has been able to explain to me what this letter is about and why I can not read it or download it. No one seems to be able to send me a copy of the letter in the post. No one has a record of this letter in their systems. No one can accept a screenshot of what I'm seeing online to show them the error message " Looks like this document is temporarily unavailable right now. Please try again later. '' or other details. When I had them create a case or a complaint, they couldn't provide me a confirmation number or reference ID of that case or complaint. They said I would not receive any notification from Citi about the investigation status or when the problem would be resolved and that I would have to continue logging in each day to see if the issue was resolved. Why would a bank send such an important sounding, date-driven document that includes words like " legal notice '' and " 90-day '' and then have no record they ever sent it and no ability to allow me to read the document?

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I recently found out that I was a XXXX XXXX  for a Capital One settlement due to a XXXX Data Breach. I called the capital One Settlement department and was told I was a XXXX XXXX that could have received benefits, but because I did not respond to the claim in 30 days, I lost my opportunity. An agent told me that an email was sent out to me about the settlement in XXXX of XXXX, but she also said the email was automatically deleted after 30 days. Meaning, Capital One purposely sent the email to my Spam folder so that I would not know that I was an eligible XXXX XXXX for the settlement. Others have received {$700.00} as a result of the settlement, but others like me are out of luck as the final deadline to submit for the claim was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts and inquires due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
As a Veteran and a first time home owner it is an amazement to me how much theft transpired behind the closing of my VA LOANXXXX XXXX and still ongoing I am fighting outdated and backdated information towards foreclosure of my home.There was a ruling marked a win for U.S. Department of Justice in a civil fraud case, which accuses the bank 's Countrywide Financial unit and former Countrywide executive XXXX XXXX of duping XXXX XXXX and XXXX XXXX into buying shoddy mortgages. The case was first brought in XXXX by whistle-blower XXXX XXXX XXXX a former Countrywide Home Loans vice president. 
A jury found against the bank in XX/XX/XXXX, determining that Countrywide misrepresented to XXXX and XXXX the quality of mortgages it originated through a program known internally as high-speed swim lane ( XXXX  ), or " hustle. '' In XXXX, XXXX leveled a fine of {$1.00} XXXX against BofA and hit XXXX with a {$1.00} XXXX penalty for her role in the scheme. ( XXXX, a key witness in the government 's case, eventually raked in a {$57.00} XXXX whistle blower award. ) In my research with XXXX XXXX who was one of the expert witness and investigator when in XX/XX/XXXX he discovered that XXXX XXXX, in a terse opinion, simply told us that Judges and Justices were wrong in all those trial court decisions and even appellate court decisions that applied common law theories to modify the language of the Federal Law ( TILA ) on rescission. And now bank lawyers are facing the potential consequences of receiving notices of TILA rescission where the bank simply ignored them instead of preserving the rights of the lender by filing a declaratory action within 20 days of the rescission. By operation of law, the note and mortgage were nullified, ab initio. Which means that any further activity based upon the note and mortgage was void. And THAT means that the foreclosures were void.I have 3 full blown audits that repeat that my loan financing has fraudulent activities between 13 franchised banks and Bank of America the Mother Load of The Chain.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 Experian : 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 : XXXXXXXX XXXX XXXXXXXX XXXX : XXXX, XXXX Experian XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights .

I have already disputed these items with the bureaus, but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

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 2023-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: AZ

Complaint narrative:
My previous complaint with first interstate bank is that they appeared to not have the successor in interest process. It appears to still be the case. I provided them with the information on XXXX and they should have responded within 30 days. Almost 4 months later they have not responded. I dont think my complaint should be closed this time until the whole process has been completed. It is clear that they continue to be in violation of the successor in interest rules and ignore to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.

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 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took a cruise on XX/XX/2023 on XXXX XXXX  on the XXXX I purchase XXXX Art paintings on the ship Within XXXX hours of purchasing the paintings I decided to cancel because the paintings was for my son and he decided he didnt want it cause he lived at the beach and it wouldnt suit this home I opened a Credit Card and he told me its XXXX  months interest free which is only XXXX  months He Also said the paintings were not in the system yet so I had to call and it wont be a problem to cancel. Well they are not open XXXX hours like he told me I called back Monday and they gave me the runaround saying I wont be able to return the painting and I had to pay a Restocking fee of 15 % the paintings were {$8600.00} After talking to several people in the company practically every day XXXX XXXX XXXX XXXX and Team Leader XXXX XXXX and Team Customer Service XXXX and also sending emails back and forth they refunded XXXX paintings and decided to charge me XXXX painting and the amount they billed me was different from the invoice The Credit Card I opened was supposed to be activated and I never activate the Card but yet I received the bill I received the statement and they charged me for the painting which is different from the invoice and {$650.00} for a XXXX  credit Why do they think I would buy any painting from them when I cant even resolve this situation I would like this resolved and I would never do business with them ever I cruise a lot and this leaves me a very bad feeling about this company I also email XXXX XXXX Complain about XXXX XXXX XXXX on the ship This has been going on from XX/XX/XXXX to today XX/XX/2023 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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
As I get another worthless email from experian saying they are still working on the issue I pay another XXXX bill on time that's recorded on the experian and XXXX  website. Experian does nothing to address this issue but later closes the complaint with a letter saying something to the effect they can't insert something into my file, EXCUSE ME WHO ASKYOU TO DO THAT ASKING TO PUT BACK WHAT YOU STOLE FROM MY REPORT BUT MEAN WHILE PUSSH THE CREDIT CARDS HOURLY

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 2023-11-07 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: Colony Brands, Inc.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly examine the attached files. My request is for the bureau to begin an investigation into these accounts, for which I've always been on time with payments, but they are incorrectly marking me as late.

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 2023-11-07 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: TX

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank Of America called me. Or so i thought it was bank of america. I answered and was told that someone tried to take XXXX $ out of my account through XXXX I said i did not authorize that payment and they had me go through a bunch of steps to XXXX the money back to myself. XXXX $ gone. this whole time i thought i was talking to bank of america becuase their caller id popped up on my phone. I never answer the phone because of scams but since it was bank of america i answered.

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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alorica Inc.
State: NY

Complaint narrative:
About 6 months ago, this SST systems and services technology took over SST credit card services and contacted me to make payment agreement to pay balance off. We agreed no interest of any kind as long as I paid XXXX monthly for 2 years. I have been making XXXX payment monthly for past 6 months and I just noticed on my current statement they have been charging me a interest fee which was not part of agreement. Also on current statement it shows last months balance at XXXX with payment made XXXX and interest of XXXX then shows new balance as XXXX. However if you do the math XXXX minus XXXX minus XXXX equals XXXX therefore XXXX is missing. They have been doing this on past statements as well. XXXX XXXX XXXX months is XXXX that has vanished in thin air, that should be reflected in my new balance. When I called to question this missing money I was told that no interest agreement was with another company ( which it wasn't ) and the interest amount was much higher on their computer than what the statement they mail me is. Very disturbing by the poor business practices of this company. Also no statements or mailing from SST contain a website address or a phone number listed, I had to request the help of my son to track down a contact number online in order to speak to someone. This raises a red flag that this company is using unscrupulous tactics to maneuver and take advantage of XXXX like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
SUPER URGENT. NEEDS RESOLUTION IMMEDIATELY I have made a CFPB complaint back in XX/XX/2023, and my issue still has not been resolved because Equifax has not taken any action to address my situation. So technically it has been over 60 days and my complaint has not been fixed. 

Back in XXXX, I was applying for a loan, but my lender was unable to pull my credit report for Equifax, just Equifax. They were able to pull reports from XXXX and XXXX. I have called Equifax phone support several times, and they always make up a bogus reason for why I am unable to pull my report. First they say that my information is not up to date, so I have to send in supporting documents of my copy of drivers license and copy of social security card and a cover letter with my info, but that never fixes the issue. I even received a confirmation from Equifax saying that my information has been updated, but now the letter says that no credit history exists on my report. So Equifax tells me to call my credit card companies like XXXX and XXXX to tell them to start reporting my payment history to Equifax. This started in XXXX and still no results. So I call Equifax this week in XX/XX/2023, and now they tell me that the copy of my driver 's license is blurry. I believe that this is a nothing but a dishonest statement to get me to stop calling them. This was never mentioned in any of the times I called Equifax again to confirm receipt of my supporting documents and was not mentioned in the confirmation letter Equifax sent me when they received my documents. On top of that, I am getting a repository message from them saying that " INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY. '' XXXX XX/XX/2023. 

If this message is not removed from my report, my lender can not even pull it. But Equifax said I had no credit history, so how can both be true at the same time? I need this message to be removed immediately and I need my full credit report to be available from Equifax immediately or I will have to take legal action against Equifax. 

I have done all that I can to fix the situation myself, but there is nothing more I can do. Their phone support is unbelievably unhelpful, telling me conflicting information on multiple occasions. When I request more information about my situation or ask for their supervisor, they always just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LORD MORTGAGE & LOAN, INC.
State: FL

Complaint narrative:
Did a refi with Lord Loans of XXXX XXXX Florida. They failed to file the deed timely. This has resulted in a XXXX increase on the trim notice as the deed was filed over one year later. They only filed after I delivered a notice to sue. The negligence has resulted in serious financial harm as my extra real estate taxes are XXXX more per month. This has been going on for XXXX years Lord loans has failed to provide the title insurance policy information. We are talking 2 years and nothing from Lord loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My account and my personal information was used by fraudsters to gain access to my checking accounts. They also had access to my debit cards information including my PIN. It was easy for them to compromise my bank accounts. Twice XXXX XXXX XXXX XXXX has closed my checking accounts, and in three occasions they have cancelled and reissued my debit cards this year alone. As a result of this theft and my account being compromised I couldnt meet my obligations to my creditors on my due dates as the money meant to pay my creditors were withdrawn before my monthly payments were processed. So the funds that were meant to take care of my bills had disappeared from my account. This also led to my accounts being late for the first time with a number of creditors reporting late on my credit I have worked very hard to build. I now have a new checking account from XXXX XXXX and I am just now trying to restore my credibility back up. The Creditors affected are : XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, My line of credit with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX, and my utility bills. 
I contacted each creditor to request that they show understanding, due to the theft that happened to my checking account on XX/XX/2023, with proof from my bank XXXX, not to report any late credit reporting on my credit report as I work hard to catch up with my payments. But as it turned out they still went ahead and reported those late payments. As a result of this terrible incident my credit is now at its lowest best and have dented my hopes of doing business that will bring in revenue for my livelihood and that of my family. I am therefore requesting with immediate effect that these lates be removed immediate from 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 non-monetary relief