vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  symptoms and was off work for 15 months on unpaid XXXX and XXXXXXXX XXXX I was only three months from paying off my XXXX XXXX XXXX which I had purchased new four years earlier and they refused to work with me and were trying to repo my car for the {$5000.00} balance so I had no other option than to go buy another car and finance the balance into the loan. I had XXXX XXXX in equity in my car so my new loan was only for XXXX XXXX with this balance rolled in, but I had intended to keep my car for many years as it only had XXXX miles on it when I traded it in, this caused me great hardship and they will answer for it to XXXX XXXX day, as I am a twice widowed mother with no help!! They were paid in full by XXXXXXXX XXXX and the car was never repossessed or written off if they did write it off to get a tax break after they were paid in full in XX/XX/XXXX you need to alert the IRS to the fact!! XXXX XXXX XXXX XXXX XXXX XXXX IRS XXXXXXXX XXXX XXXX XXXX so you can tell them I reported it to you!! They have refused to remove this comment as it allows them to make me look bad on my credit reports and they are revengeful, I also disputed it with Experian and they did NOT update it, so they also need to be fined for breaking the FCRA, they simply put the same remarks as prior and said it was verified and updated, which is a lie!!! Please enforce the laws and make them remove the lie that it was written off, it was paid in full so they can not claim a tax break on a debt that they then took the full amount for a few weeks later, that is also against the law!!! I also want a copy of my complaint shared with the FTC!! I want all of my credit reports corrected, then I want a corrected copy of my reports, all three from all credit bureaus, mailed to you and me both!! I do not want this complaint closed until all is completed and I let you know it is done!! I also want both XXXX XXXX and Experian fined for breaking the FDCPA and FCRA!!! Please enforce the laws!!

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 2024-01-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I used my earned rewards points to redeem for three XXXX XXXX XXXX. Two of the three cards did work the third card ( valued at {$100.00} ) said the code was not valid. I called XXXX first and their response was this code was never in their system, they checked the other two codes and they both did work. I called CitiBank to have the third code fixed and they said absolutely we will send you a new one. I waited 15 days and did not receive anything so I called back they told me that the issue was under investigation and to call back on the XXXX. I called back today the XXXX of XXXX and after talking to multiple representatives was told they could not refund my point balance enough to be able to redeem for a replacement gift card. I was told I could ask again in 6 months.

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 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I recently got out of an XXXX XXXX. I was awarded the Bank of America accounts in the settlement. His name needs to be removed. I have attempted this numerous times. They insist that we both have to be there to remove him. But I will not be around him anymore due to his XXXX. I finally got them to send the paperwork to each of us to sign. It was notarized and sent it back. They claim it was done incorrectly. So round two of the same paperwork was sent in, but no changes yet. I was also told that I needed my ex 's approval to change my name on the account, even though it clearly states me reverting to my maiden name in the final decree. This is unacceptable.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
Urgent Request for Correction of Credit Report Information Dear XXXX, XXXX, and XXXX Customer Service, I hope this letter finds you well. I am writing to bring to your attention significant concerns regarding the accuracy of information on my credit report associated with my account with INDIGO XXXX BANK. Upon careful review, it has come to my attention that there are violations of federal laws, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. These laws emphasize the importance of accurate reporting and fair practices in the credit industry. I am particularly concerned about the violation of 15 U.S.C. 1666 ( b ), which explicitly states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This provision underscores the critical importance of ensuring that payments are not erroneously treated as late. The absence of a robust system to confirm whether I am receiving statements, whether in paper or electronic form, raises questions about compliance with this federal law. By failing to adopt reasonable procedures to verify the receipt of billing statements, there is a risk of treating payments as late, directly contradicting the mandate of 15 U.S.C. 1666 ( b ). Furthermore, the disregard for 15 U.S.C. 1611 ( 1 ), which prohibits the furnishing of false or inaccurate information, is troubling. The lack of a reliable verification process regarding the receipt of billing statements calls into question the accuracy of the information reported, especially concerning late payments. Considering the gravity of these violations under 15 U.S.C. 1681n, which addresses willful non-compliance with federal law, I request that immediate steps be taken to ensure the accuracy of information reported to consumer reporting agencies. I also draw your attention to 15 U.S. Code 1681s-2, which mandates furnishers of information to provide accurate and complete information. It is crucial that INDIGO XXXX BANK complies with these obligations to rectify any potential adverse impact on my credit history. In light of the concerns raised, I kindly request that my account status be promptly reviewed and updated to paid as agreed. I believe this corrective action is necessary to align with the aforementioned federal laws and to ensure the accurate representation of my payment history. Your prompt attention to this matter is crucial, and I trust that XXXX, XXXX, and XXXX will take the necessary steps to address and rectify any potential inaccuracies in my credit report. I appreciate your cooperation in resolving this matter promptly. Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As Trustee for my grantor, I asked Wells Fargo to provide me with the documents including the promissory note and security agreement regarding the property they filed a lawsuit on my grantor. They responded with an acknowledgement letter but never responded.

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 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I contact XXXX XXXX Credence Resource Management regarding a collection account showing on my credit regarding a bill of {$370.00}. I called the collection agency and the creditor and provided them with the police report filed. Advised them that I have been a victim of identity theft since 2018 and neither company has updated my file or credit report. No one called me back as promised regarding the results and if additional information was needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
On XX/XX/year>, XXXX CT, I attempted to draw {$500.00} in cash from an ATM using my Charles Schwab debit card. 
I used the southern most ATM ( the drive through furthest from the facility ) at the XXXX location at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and chose to receive the {$500.00} in {$100.00} bills. 
The ATM dispensed 4 {$100.00} bills for a total of {$400.00}. 
After I removed the cash, the ATM continued to make noises and remain open as if it were trying to dispense more money. This went on for about 20 seconds. There are cameras all around that may be able to show this footage in more detail. As far as I know, the bank has not considered the video footage but instead relied on an ATM log to investigate the case. 
The XXXX branch is unable to resolve my issue as when I call them, they can not help me since I do not have a XXXX checking account ( even though they operate the ATM ). 
My bank, Charles Schwab, investigated and sent me the files that I attached to this complaint. They stated that " the corresponding bank or the ATM operator has confirmed that funds were dispensed as requested and the ATM balanced ''. Again, this seems to be solely based on an ATM log. Also, the ATM log not catching this mistake is highly concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have a credit card which I paid in full on XX/XX/2024 via phone, at PNC bank, from my debit card for the FULL AMOUNT {$12.00}, XXXX that was communicated to me via the phone when I made payment. The payment was paid on XX/XX/2024. My expectation was to receive a statement with previous balance = {$12.00}, XXXX Total payments received = {$12.00}, XXXX Credits = {$0.00} Purchases = {$0.00} Cash Advances = {$0.00} Fees chargeXXXX = {$0.00} Interest charged = {$0.00} However I received a statement with an interest amount to pay {$45.00}. When I called they told me that this is from that cash advance I made. I have no other account with PNC bank. This amount was not disclosed in the balanced when I paid off the balance. The representative stayed away for almost 7 minutes before returning to the phone after I disputed this cost, telling me it was not charged in the balance. I paid it because I have never ever been in bad credit or pay my bills. However I want PNC Bank to correct this as it was not disclosed that any transfer interest will be changed and is not included in the balance pay-off stated on a day of payment. Customers can not get these surprises after the fact. This occurred today XX/XX/2024 on my visa signature - credit card, when I called to find out what this extra interest was. 
1. When PNC BANK payment calls says on the call " this is your outstanding balance ... ' it is not true. There are hidden costs that are not disclosed as any further interests that need to paid. YOU will get a bill with extra charges. 

Regards XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The statute of limitations on my mortgage expired and I previously filed a XXXX XXXX and received a discharge. I have a pending appeal and the servicer just processed an application for mortgage assistance without my authorization. I did not request mortgage assistance as it would reaffirm the debt. This was a deceitful tactic to reaffirm my debt. They felt that if I did not respond I would consent to it when I no longer have no obligation to repay this stale debt of almost 20 Years now.

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 2024-01-26 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: PA

Complaint narrative:
I did not authorize these inquiries nor do I recognize them. Theres an error in my credit report which is a defamation of character and Im asking that these inquires be removed. XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Pursuant to 18 usc 8 I owe no debt, these companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 these companies had no permission to report anything using my info pursuant to 15 usc 1681 4.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This credit reporting agency engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. A dispute was sent in XX/XX/2023 and they to do a proper investigation or acknowledge my dispute. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my 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 2024-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX, I was XXXX XXXX XXXX XXXX XXXX where another driver ran a red light, leading to my car being totaled. The insurance company deemed the car beyond repair. During the period of awaiting the insurance payout, I continued to honor my car loan payments via autopay to BMO. The loan was fully paid off in early XXXX. 

Due to the ongoing autopayments, the final insurance settlement resulted in an overpayment to BMO. Since then, I have been diligently trying to resolve this issue and recover the excess funds. Despite my continuous efforts, including making 18 phone calls to BMO, the matter remains unresolved. 

Each interaction with BMOs customer support has been unproductive, often ending with the call being abruptly terminated, or with promises of a refund check that never materializes. My requests for a tracking number or specific details about the refund have been repeatedly ignored. In my most recent call, I was advised to call back on another day, which only adds to the delay. 

This situation has persisted for four months, during which I have never missed a payment. The lack of assistance and the apparent disregard for my concerns by BMO is both frustrating and disrespectful. I have dedicated nearly 20 hours to phone calls, trying to resolve this issue, yet to no avail. As XXXX approaches, there is still no resolution in sight. 

I am reaching out for assistance in addressing this matter with BMO, as my attempts to communicate and seek a resolution have been consistently met with evasion or empty promises.

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 2024-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX we paid {$3100.00} for property taxes on the property in question. This in fact was an extra payment by our mistake because the mortgage company is supposed to pay property taxes by contractual obligation since the mortgage opening. We called several times to ask for a refund of our payment. The representatives asked for more time and proof of this extra payment. We send the proof and waited for another month and a half. 
Finally, today, after I called XXXX they explained that they are returning only one third of our extra payment and the rest was applied to escrow. because of increase of insurance premium. 
This in fact is inaccurate because our insurance premium increased by {$75.00} since XXXX XXXX  and we have been paying this difference ( even a bit higher- {$76.00} ) since then. Previous monthly payment was {$660.00}, which in XX/XX/XXXX was raised to {$740.00} - exactly the difference between old and new insurance premiums. 
We have been paying our monthly mortgage dues on a regular basis, never missed a payment! Grabbing to some extra payment, we send by mistake, does not constitute a legitimate transaction. We need full refund ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year> I sold a brand new XXXX XXXX XXXX  XXXX XXXX on XXXX for {$1100.00}. The buyer used the payment processor PayPal. Exactly 30 days later on XX/XX/year> The buyer opened a chargeback with their Financial Institution PayPal Credit Synchrony Bank. Every time I contact PayPal they tell me the case is under review with the buyers financial institution. The reason the buyer opened the Chargeback was because they claimed the phone was not new as described because when they took the phone out of the box it was not fully charged. she claimed that I the seller must have resealed it in the box. I have the serial number for this device and can prove that it was brand new as the first time the phone was registered according to XXXX was XX/XX/year>. The same day the buyer received the phone. The buyer also left me a negative review on XXXX telling them something different saying she received the wrong device. This buyer has used consumer protection laws to scam me out of an expensive XXXX phone. I should at least get my phone back. They will not help or give me any information. My Social Security Number is XXXX. Paypal Case XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: LEXISNEXIS
State: IN

Complaint narrative:
I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 

I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security. 

Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance.

Company response to consumer: Closed with explanation