vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I am a first time homebuyer and bought the home in XXXX. My mortgage was sold to the current lender, Citizens and after the 12 months my insurance lapsed. I was not notified, no calls, no texts, no emails - I get billings about paying my monthly mortgage payment every month, meaning my email works just fine for them to make sure they get their money. 
Citizens did not inform me that after buying my mortgage last year in XXXX that they did NOT have the insurance information and couldn't renew it. Both Citizens and the insurance company admitted that this happens often to first time buyers. Citizens reps on the phone stated they see this all the time, yet, they don't have anything in place for this. I lost my insurance due to this lapse and now my payments went up about {$100.00} a year because of this. I never received any formal communication when Citizens bought my loan that this may happen and no notice that they couldn't contact my insurance company. They then went on to forcibly purchase me insurance at {$1000.00} when my original cost was around {$700.00} per year - currently {$800.00} because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I closed two American Express Savings accounts on XXXX XXXX One account had approximately {$7000.00} The other account had approximately {$17000.00} I was told regarding the first delay to stop payment and they would issue new checks which I did in early XXXX They have said new checks were issued but I have still not received them It has been over 90 days without receipt of funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My new Experian XXXX XXXX checking account was hacked. Several fraudulent transactions were pending on my account when I checked my balance today. Yesterday I could not access my account balance at all from the Experian app. A representative advised me last night there was an ongoing issue with not being able to view the account balance and try logging in later or tomorrow. So I logged in today only to find that my account balance was almost entirely drained from several micro transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX. I reported it to Experian XXXX XXXX but the agent said she couldn't do anything because the transactions were still pending and had not posted yet. Agent could not help with adding a fraud alert either and could not get me to a supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Friday, XX/XX/, I woke up to a text message and email from Chime saying welcome and my new account was waiting for action. I have never signed up for a Chime account. These came through at XXXX and XXXX respectively. I went to work unsure of what to do, while at work I came in contact with someone who actively had a Chime account. I showed them my messages and asked how I would receive this if I never signed up, they said it was unlikely to happened and I should contact the company itself. After work I called Chime, informed them that there was an account opened in my name and gave them the phone number and email associated with the account. The first associate, XXXX, would not assist me without my birthdate or social security number. I would not provide any additional info as I had not set up the account. After that call I did download the Chime app and find a bank routing and account number. I called back and spoke with a XXXX who, again, asked for my birthdate and social but I again refused and told him I had the account information and he should have no problems looking it up that way. After some time I was told the account was closed but was not given any info on who opened it, with what social, or when. I was instructed to file a police report and contact the credit bureaus to protect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. BARCLAYS BANK DELAWARE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Is reporting Inaccurate information on my consumer report Violation of the FCRA 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: CA

Complaint narrative:
I was accepted for a loan of XXXX $ with XXXX XXXX interest my monthly payment is XXXX $ a month but it is very difficult to keep up. I am doing the XXXX plan with the interest I will be paying around XXXX $ I am looking to file against them for a predatory loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
this account was opened fraudulently without my knowledge. I have filed an identity theft report with the FTC because I never benefited from any of the transactions from this account. This account needs to be closed to prevent further use of my information and identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my student loan information has been reported to credit reporting agencies, TransUnion, XXXX, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX  loan information and the legitimate interest each entity had in obtaining this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX  loan information has been reported to credit reporting agencies, XXXX, XXXX, and Equifax. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX loan information and the legitimate interest each entity had in obtaining this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: FL

Complaint narrative:
I am writing to formally register a complaint for violations against the provisions of 20 U.S. Code 1232g - Family Educational and Privacy Rights. Without my written consent, I recently discovered that my XXXX loan information has been reported to credit reporting agencies, XXXX, Experian, and XXXX. This action directly violates the aforementioned statute, which clearly outlines the conditions under which educational records can be disclosed. According to 20 U.S. Code 1232g ( b ) ( 1 ), educational agencies or institutions are prohibited from releasing education records without the written consent of the XXXX XXXX parents. My XXXX loan information was reported to credit reporting agencies without obtaining written consent. The statute clearly outlines exceptions for disclosing education records without written consent. In my case, none of these exceptions were applicable. The release of my XXXX loan information was not in compliance with any of the statutory provisions; according to 20 U.S. Code 1232g ( b ) ( 4 ), educational agencies or institutions must maintain a record indicating all individuals, agencies, or organizations requesting or obtaining access to a XXXX XXXX education records. I request transparency in this matter and would like to be provided with information regarding who accessed my XXXX  loan information and the legitimate interest each entity had in obtaining this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I received a text message on XX/XX/2023 with the following : " Please contact MRS BPO , LLC at ( XXXX ) XXXX regarding a matter for XXXX XXXX MRS is a collection agency. If you want to opt out of future text messages reply with STOP. Visit us at : https : //portal.mrsbpo.com. To see important rights and information, click mrsbpo.com/state-disclosures ''. However, I have never opened an account or done business with XXXX. I reached out to XXXX  who were able to confirm that I have never had any accounts or debt with them. I went to the link provided in the text and entered my phone number and the last 4 of my SSN, and the MRS BPO site also showed that I do not have an account with them. Entering this information was required for me to view details of the alleged case because the other options were to provide an MRS account number or a Creditor account number which did not exist. I am worried that I have already provided too much information to this company, which is why I did not reach out to them directly. I replied STOP to the text message to stop receiving messages, and was sent an automatic response saying I was successfully unsubscribed. I am worried about this false claim being sent to credit bureaus and affecting my credit. I am filing this complaint to keep a formal record with a reliable third party that I have never had debt with XXXX and any attempt by MRS BPO , LLC to collect on such debt or to report it to any credit bureaus is fraudulent.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
THIS IS A NOTICE OF DISPUTE. I AM DISPUTING THE COMPLETENESS AND ACCURACY OF THE INFORMATION THAT HAS BEEN FURNISHED TO MY CONSUMER REPORT. CAP ONE XXXX. THE SEQUENCE OF LATE PAYMENTS THAT WAS FURNISHED IS INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND THIS VIOLATION IS PREVENTING FOR FROM EXTENDING MY CREDIT FOR MY PERSONAL, FAMILY AND HOUSEHOLD PURPOSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
When I had my house I applied for a modification and they refused to help me. They said we will just foreclose on your house and they did just that. Would not consider helping at all. I lost everything

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 Equifax furnished my consumer reports to ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX ) without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 

I have already file a dispute with Equifax on XX/XX/2023, and they still refuse to remove the inquiries from my credit report. I also had sent a dispute letter directly to all the creditors regarding furnished my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I was told, on a recorded line, by a MANAGER at BOFA that while I was STILL IN MY TRIAL MODIFICATION, nothing would be reported to the credit agencies, because I am STILL IN TRIAL MODIFICATION until the end of XXXX. I have NOT opted out of the modification AND I am covered by natural disaster protection as well. It is literally CRIMINAL that any reporting has been done. I PAID AS AGREED in XX/XX/2023 and have until the END OF XXXX to pay for XXXX. 
You have just created FAR more problems for BOFA as this will be added to a lawsuit since you have done so many illegal things since the HAMP denial to now. Lawyers field day. 
FIX THIS NOW as it is WRONG and not as agreed by BOFA for modification. 
CALL ME NOW! You guys are straight criminal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My student loan was closed, XXXX of the XXXX agencies closed all acccounts, as advised by the department of education, but Experian had a separate, older account showing open with the full amount of the old student loan for aidvantage. XXXX and Dept of education have my loans closed out. 

I submitted dispute, nothing changed. I called and their customer service took no action onine and said all amounts were verified. I spoke to XXXX, they even sent me an email stating the contrary. I submitted XXXX more diputes with Experian to close the aid vantage and zero the balance, they are refusing saying I still owe money according to their records. 

I sent department of education email stating my loan was closed, email that moehela had replaced aidvantage and the moehela was closed with XXXX balance and then the aidvantage email saying congrats, your loan balance is XXXX and closed. 

They obviously are committing fraud by a ) keeping an incorrect balance, b ) keeping an account open that the sponsor even claims is closed and probably trying to sell it to a third party to try to make some financial gain from this. I don't trust experian did anything for background research ; they certainly did not call aidvantage who confirmed Experian made no contact with them in their records. 

I want my record corrected or I beleive I am entitled to legal action for their fraudulent published info. If they are trying to force me to accept incorrect info, how many thousands of others do they do this too to perpetuate bad credit, bad loans, etc. They deserve to have the CA department of justice to investigate and that will be my next stop.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: EQUIFAX, INC.
State: SC

Complaint narrative:
All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: SC

Complaint narrative:
All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXX called today to explain that still go to dealership and even if they dont work with them. Process is getting a buyers order and emailing it to them. Would be funded within XXXX to XXXX business days. 

My bank is showing me a credit score of XXXX. XXXX XXXX is saying the soft pull they have is XXXX Also telling me they have not formally approved my loan in spite of email implying otherwise ( see complaint yesterday )

Company response to consumer: Closed with explanation