vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
In XX/XX/2023 My insurance company XXXX sent out letters to their " Wind '' policy holders in Florida that their insurance was being cancelled. 
I immediately called my insurance broker and they said oh just ignore that, it was a mistake on XXXX part. 
Consequently a letter from XXXX was also sent to my mortgage company concerning my mortgage escrow. Rocket Mortgage paid my flood and homeowners insurance on the due date of XX/XX/23but not my wind insurance insurance based on a bogus letter from struggling XXXX XXXX. My wind insurance policy lapsed because of their lacking fiduciary components and they then placed me with one of Rocket Mortgages affiliate companies XXXX XXXX ( double the premium ) .I again called my broker and asked what was going on. They said Rocket paid my other policies on time but not wind insurance resulting in a cancellation of my policy which I then had to have a new one written by them for reinstatement. By the time I was reinstated Rocket charged me over {$1000.00} for their replacement Wind policy from XXXX. I was livid and called them ( Rocket ) with my complaint and they said my agent had to call XXXX to back date policy. 
My agent called XXXX and they said they DO NOT back date policies. 
I returned frustrated to Rocket and they said sorry you must pay then for the coverage from XX/XX/2023 until I was reinstated by XXXX on XX/XX/2023. 
They added it into my escrow! 
If this isn't a total ack of their fiduciary responsibility to me to pay my escrow bills then please explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX  XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to purchase/lease a new XXXX from XXXX XXXX XXXX during the final negotiation i requested to not include certain items in the total price, at which time i was told multiple times, 'it can't be removed, it's already in the price and/or installed in the vehicle '. I went on to finalize the terms of the new lease, at a total price over $ XXXX assuming that to be true. XXXX of the items included in the transaction was 'lifetime ' oil changes, etc. I pulled up the printout of my agreement to find out how to go about using this option since my truck was due for an oil change. Other than the contract showing a charge for the oil changes, there was no information of the product, including what was actually purchased, how to use it, or even how to cancel it. Upon further review of the approx XXXX pages of documents given at time of purchase, i noticed that ALL the products i originally asked about at time of sale were all listed as 'optional'.. At no time was i told these could be removed. Since I understand i should have read the contract when signed, i figured i could just read the paperwork and learn how try and cancel. At that time i discovered that none of the items included in my new transaction came with any information as to XXXX ) What i bought XXXX ) How to use it XXXX ) How to cancel it. As a matter of fact, some of the items referenced pages and information that I was never given. There are even websites listed on the documentation that claim to have information on the items, which do not even work and just go back to the XXXX home page. 

I contacted the XXXX finance department in XXXX, and was promised a followup call, which never happened. In XXXX i contacted someone again stating my displeasure for being charged to items i didnt want, as well there being missing pages in my agreement that were supposed to include how to cancel these products. At that time, the finance manager ( XXXX XXXX told me the only way i could cancel was to go into the office and sign some papers, which i refused. After i told him this seemed illegal, he sent me a document for myself and my wife to sign and it would be processed. On XXXX, we signed the form which only allowed us to cancel XXXX of the items in question ( he said that only XXXX of the items in question could be cancelled ). As of today XX/XX/XXXX, i still have heard nothing from anyone, not have i seen any adjustment in my lease balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX I went to an ATM at Bank of America in XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX to deposit {$1000.00} into my checking account. The machine took a while and after that while, it said that it recognized {$1000.00} out of the {$1000.00}. It then asked me how much did I insert, I then told the atm, {$1000.00}. It started to count the money once again and said, we are unable to process your request and can not return your items. I then called the number and they told me to wait 30 days for a solution. I need this money for rent and bills and now Im on the verge of eviction. 

I have called bank of america all day today on XXXX. It is {$75.00} a day that I am late and now they are telling me wednesday at the earliest. This is not going to work. Eviction process starts tomorrow

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 2024-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/24- received an alert from experian stating that my credit report had changed. It showed that my credit was run by Wells Fargo credit card services. I soon after received a phone call from Wells Fargo application fraud about this. Someone had attempted to open a card in my name, without my knowledge. Wells Fargo did deny the application and put in to remove the inquiry from my credit report. I have had 2 other similar situations happen with XXXX XXXX, which I have filed a separate claim about. I spoke to experian and they urged me to report this activity through FTC/police. They also removed inquiries from my credit report in regards to Wells Fargo and XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Chrysalis Holdings LLC
State: FL

Complaint narrative:
I called them to try to straighten out my escrow account and after being transferred XXXX times to no avail. I mistakenly, said the word XXXX. they hung up on me for swearing, which violated my first amendment rights and it has gone downhill from there. They have showed me nothing but incompetence in handling my escrow account. I need some help dealing with these people due to the fact, I think I am dealing with a DEI situation, and I will not tolerate that. I am a XXXX veteran with an XXXX beacon score and will not have my first amendment rights violated by anyone. 
I have owned XXXX homes and this is only my second escrow account and I do not feel I should send anyone additional monies that does not have the ability to distribute them correctly. please assist me with this situation before it gets out of hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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


I told XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: GA

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


I told XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Acct # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more are incorrect? 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, PennyMac received a payment in the amount {$4800.00} from HAF. When they received this payment, they were supposed to apply that amount to my past due balance of {$4800.00}. Instead of applying the funds as such, PennyMac took only {$1500.00} of that money and applied it to the monthly payment and then they took {$2900.00} and applied it to principal reduction and then applied {$340.00} to late fees. I spoke with PennyMac and told them that when I spoke to a manager at HAF, they told me that they never told them to apply the funds that way. That money was specifically for the past due balance and then they sent {$1500.00} every month after for 18 months to cover my mortgage payment. I spoke with a manager at HAF again and he told me to file a complaint with CFPB because PennyMac is not being honest with the money that they received for my mortgage payments. I would like a full investigation to be done because when looking at the payment history, it shows that PennyMac applied funds to principal reduction instead of my regular monthly payment MULTIPLE times. I would like the money that was supposed to be applied to my mortgage payment to be applied correctly and immediately. PennyMac is showing that I am behind on my mortgage payments due to their negligence on applying the funds the correct way.

I also spoke with HAF and they told me to send them proof of PennyMac saying that they applied the funds the wrong way. I also sent PennyMac a letter from HAF stating that those funds were specifically for my mortgage payment. 

I spoke with PennyMac on XX/XX/XXXX and XX/XX/XXXX and I spoke with HAF on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).

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 2024-02-09 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: MD

Complaint narrative:
I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EXPERIAN. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.

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 2024-02-09 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: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
My credit card payment status, balance, and delinquency status have been shared with XXXX parties without my consent. 

There was an authorized user, who was removed XX/XX/2023, and balances and account status and payment status continue to be reported. This gives the prior authorized user access to my confidential financial information. This is a violation of my privacy right, and the credit reporting rights of the prior authorized user. 

Apple has completely failed in their promise of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
According to XXXX, this account should be removed promptly. I'm XXXX about it being on my credit record, and it's not even my account. Its presence has upset me, and I feel unwell because of this situation. Please remove it 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 non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.

Company response to consumer: Closed with non-monetary relief