vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Prizm Financial Company, LLC
State: OH

Complaint narrative:
I have repeatedly asked this company not to call or email me, not to call or email my references. They are threatening to repossess my vehicle that is not even 30 days delinquent. And they forwarded my personal information to another one of their customers I have multiple emails 50 to support this claim. Please help me. 


_______________________________________________________ From XXXX  XXXX prizm Financial Pay   your car payment. That's how you avoid emails. It's in your contract. Again if payment is not received by the end of the business day tomorrow, your account will be sent to our Repossessions Department. 

Thank you -- -- -- Original message -- -- -- From : XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : ; Cc : Subject:XXXX REPOSSESSION XXXX, Your account is being transferred to our Repossessions Department for further review if a payment is not received by the end of the business day tomorrow. 

Thank you XXXX XXXX -- -- -- Original message -- -- -- From : XXXX XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : Cc : Subject : Re : CALLING REFERENCES AT XXXX TODAY XXXX XXXX, I appreciate your feedback. We tried reaching you by e-mail, home and work to no avail. If we do not have a payment or arrangement to pay we will be forced to contact your references in hopes tor each you. Please be advised that in the state of Ohio your car could be repossessed after being only one day past due. 

Thanks, XXXX XXXX XXXX Prizm Financial XXXX XXXX ** Effective XX/XX/XXXX our office will be relocating to : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX ___________________________________________________________________________________________________________________________________________________________________________________________________ ( XXXX XXXX To : you Details XXXX To XXXX XXXX Cc Bcc _________________________________________________________________ Hello This was sent to me last month ( forwarded by XXXX XXXX but I believe this is in regards to your account. You may want to contact them or an attorney in regards to the security/privacy of your account. Your email/account status is suppose to be confidential and should not have been sent to me, another customer of Prizm. This company and most employees are very unprofessional and I just wanted to make sure you knew your account info was shared ( even if in error ) as I would want someone to do the same. 


Thanks Sent from XXXX XXXX  for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I discovered an account on my credit report today XX/XX/19 because I was denied from opening up a credit card because of this account on my credit report that is not mine reporting in negative standing. I never opened this account nor did I ever allow anyone to open this account in my name with my information. I did not gain anything from this account such as money, goods, services or any other benefit nor do I have any written/verbal contract with this company. I have already filed a police report regarding this matter.

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 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a single mother of XXXX, and recently ended a relationship where I seldom worked but stayed home to take care of house and family. Needless to say the breakup left me financially struggling, but I am trying to get back on my feet. I made the mistake of borrowing money from a quick loan organization. It was ok until the 1 time I didn't have enough money to cover the funds. I over drew my account {$160.00}. With the fees and check fees associated with that transaction it over drew my account {$230.00} total. As of today i am being charge {$700.00} in reoccurring fees, that I haven't been able to fix since XXXX. The fact that I am being charged {$700.00} additional dollars for a {$160.00} dollar issue is outrageous, and it got worse today. My ex and i still have a joint account for bills regarding the children like daycare or school clothes. He put {$300.00} of his money in the account for our sons daycare and the bank took it and put it towards my fees. Well over {$160.00} I actually overdrew. I called the bank and explained my hardship and how they have worsened it and asked them to put the money back and offered to set up a payment plan. I let them know that if they had reached out to me prior I would've tried to fix as much as i could before they took the money, or told my ex not to put his money in that account. They said there was nothing they could do and tried to get me to pay the remaining {$500.00}. They are a multi XXXX dollar organization. I find this so upsetting i sat in my car a cried for an hour before i could pull myself together. I understand i need to fix the fees, but taking money from someone else is outrageous. And the lack of sympathy or empathy is inhuman.

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 2019-12-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I checked my email and found a message that my savings account balance was below {$25.00}. I was greatly concerned because the account had almost {$6000.00} in it when I checked in the morning. The email was generated at XXXX XXXX  and came to my inbox at XXXX XXXX. I signed into the banking app to see if I could figured out where the money was and the app response was I could not access it and gave me a number to call. I immediately called and when a real person answered stating it was the account closure department I knew what had happened since this was the second time the bank had done this. I understand now why they are doing it but I am concerned about their failure to notify me of their plans so I could move the funds. Instead they put a hold on the funds and would send it by check which in the past they had told me could take several weeks. Instead, I have to demand to speak with a supervisor that can submit an exception but it will take 1-3 days and they will not notify me when they have done it. Unfortunately,  I know from previous experience that the funds will be once more held on day 3. The last time it happened I filed a complaint that they never responded to because they said they could not verify who made the complaint but this form clearly identifies me. I believe the bank is using these activities to hold money and earn interest without paying me interest while cause considerable inconvenience. I believe this represents unethical business practices.

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 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I closed on a mortgage refinance loan on Monday, XX/XX/2019 with Quicken Loans. I was told to bring {$0.00} to closing. 

I received a phone call from Quicken Loans on Wednesday, XX/XX/2019 stating that the payoff amount from my previous loan was " miskeyed, '' and that I owe Quicken. ( Approximately {$3800.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
https : //www.bankofthewest.com/XXXX XXXX Bank of the west is running a promotion ( seen in the link below ). 

I tried to apply online but the website sent me an email saying my identity could not be verified, so I called a branch nearby ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) and made an appointment stating that I would like to come in for an account with the promotion. 

I arrived at the branch at XXXX on XXXX. Sat down with a relationship banker named XXXX XXXX XXXX. She was very slow in processing my request, and she kept saying that she had to apply a promo code although on the website the promo code is automatically applied. Then she proceeded to take down the application ID that I was given in an email and wrote down my social security number on a post-it ( which she never shredded at the end ). She kept telling me that she could not locate my application, despite the email telling me that I should be able to pick up on my application in branch. 

I explained to her that I didn't want to make another trip, but she kept going back and forth pretending to talk to the people behind the desk. And when it was time for the branch to close, she told me that she " got the confirmation that she can not open an account ''. and that I would need to go to another branch. 

I just asked her to open an account, and regarding the promo code, I read to her " promo is automatically applied '' verbatim ( as is written on the promotion page linked above ). She still refused. There are clearly a few things wrong with what happened : 1. The banker 's unprofessional behavior - jotting down social security number on a post-it and never shredding it. 
2. Not being ready for the task even though a customer had called the day before explaining the situation and made an appointment. 
3. The branch not honoring what is publicly advertised online. 

I am very frustrated and disappointed with the way I was treated as a customer. 

I have a recording of the phone conversation when I called in to make an appointment as well ( my phone records every phone call ).

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The bureaus told me to contact Cfpb then they told me to call the FTC the FTC sent me back to see CFPB. I believe there to be a flaw in the system. I am in the process of buying a house so I have been watching my credit like a hawk I paid down {$3000.00} in debt on a credit card my score went up XXXX points the next month I put {$300.00} on a credit card and my score dropped XXXX points. Before you ask, There were no other changes to my credit just adding on the {$300.00} in credit. I do understand the credit to debt ratio and points going up and down based on it but now that Im paying off the {$300.00} on the credit card Ill bet you anything my score wont go up the same amount of points and. This is not fair to consumers and I wanted to make you aware because maybe its a major oversight that you guys always take more than you give even when its an even playing ground I did take screenshots to prove it was the only thing that changed on my credit there were no new increase there was no new credit there was no other credit utilization its because I put {$300.00} on my credit card when I pay it off I want my score to go back up to where it was! I would also like some explanation as to why adding {$300.00} of debt would affect my score so much its a very small percentage of my open lines of credit when paying off {$3000.00} had the same affect! I filed with the FTC who directed me back to you and I have a complete reference number of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I have repeatedly applied for HARP with Citibank without receiving a response to the reason that I was denied. I received an approval on a loan modification XX/XX/XXXX, paid six months of payments at {$2100.00} per month with a denial coming in XX/XX/XXXX. Citibank logged these payments to my account for all six months in the amount of {$2100.00} per month a difference of {$32.00} for each month on XX/XX/XXXX. I had a temporary loan modification for XX/XX/XXXX to XX/XX/XXXX in the amount of {$2100.00} for each month and a Disaster Forbearance for XX/XX/XXXX to XX/XX/XXXX at the amount of {$1000.00} for each month. My Mortgage went up from {$400000.00} to {$410000.00} instead of down the amount that I have paid from XX/XX/XXXX. Citibank took one payment of {$1800.00} on XX/XX/XXXX and one payment of {$1700.00} on XXXX XXXX for property taxes that XXXX County Treasurer have never received and are charging me for this. I have paid my property taxes in full XX/XX/XXXX. I am being told that Citibank is putting my loan on a variable loan program with a cap of 4.75 % not the 3.375 % that I was approved for in XXXX and have been paying all along but can not supply any paperwork for this agreement. Because of all of this holding of payments Citibank shows on my credit report that I am 90 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax REFUSES to update my personal information. Equifax has got a long list of addresses attached to my personal information. I have only one address, and that address isn't on their long list. Additionally, Equifax has put identity theft into my credit report, since I have never lived in XXXX, but they insist on keeping a XXXX address on my credit report. I have repeatedly asked and told Equifax to update my personal address and personal information, including removing the fraudulent XXXX address, but they refuse to remove the fake information. Equifax refuses to correct the false information they had put on my credit report. When I try to update the credit report online, I am told that I must call a phone number. When I call their phone number, I am told that I must go online to update the information. When I speak with a person at Equifax, they say I must go online, or they say they will take my message about updating my personal information, or they say I must postal mail paper documents. When I postal mail the paper documents, I repeatedly postal mail museum-quality documents, and after a couple of months, the eventual reply from Equifax is that they are unable to verify my identity. This has been going on for decades. Never in the entire existence of the Equifax company, has Equifax ever able to verify my identity with my brith certificate, my social security card, my driver 's license, my passport landing page, my car registration card, my car insurance card, my voter registration card, my monthly bank statement, or my monthly mobile phone bill statement. The current address that Equifax has on my credit report is at least 15 years old. I have never been able to update my personal information or ever get a copy of my Equifax credit  report. In every way, Equifax is a criminal enterprise with a mission to create chaos, promote fraud, and hinder economic success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: LendUp Loans LLC
State: LA

Complaint narrative:
Yes I was approved for a {$100.00} loan from LendUp and never received. I applied for another loan with me they declined it and never give me reason as why they declined it this is considered illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
balance is XXXX, not XXXX this card was closed

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2019-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$18000.00}, {$4000.00}, {$8200.00}, {$1000.00}, {$15000.00}, {$7000.00}, {$5000.00}. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 

8. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

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