vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NV

Complaint narrative:
I was on hold for XXXX hour and XXXX XXXX minutes on a call to Mohela. I had to hang up and didn't get to speak with anyone except recorded messages or XXXX  if that. Not cool. I know its busy but this is unreasonable. I know the government is paying them well to service these loans. Hire more people please. Call was on XX/XX/XXXX about XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
XXXX charged my card for an amount which was unauthorized. I disputed with USAA. USAA gave me a provisional credit. XXXX refunded the amount. USAA reversed the provisional credit, as expected. However, they reversed it twice, taking money from my checking account. They are refusing to work to resolve this issue and have given me the run-around for several days. They have stolen money from me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: VA

Complaint narrative:
Hi! I am a real estate agent. My buyers applied with XXXX XXXX at OVM Financial powered by XXXX XXXX XXXX XXXX on XX/XX/2023. We ratified on a home on Sun, XX/XX/XXXX. My buyers formally asked for an official Loan Estimate to be emailed four times over the past 3 days. 

The loan officer XXXX XXXX ( XXXX : XXXX ) and his superior the VP of Sales XXXX XXXX ( XXXX : XXXX : XXXX ) both refused to supply a loan estimate because they didn't want their clients to use the loan estimate to shop around for a better deal. This is a basic consumer right, especially in this environment of high interest rates. 

XXXX called and texted my clients promising he could be the best deal, but refused to actually put it in writing after several requests. Eventually, he point blank refused to work with my clients after they had already completed their application. This is beyond unprofessional and demonstrates a serious lack of transparency. He is asking for trust from his clients without being forthcoming himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XXXX I went to the USA bank atm located at XXXX XXXX XXXX XXXX I attempted to deposit {$1200.00} to pay my rent which was due that very date the atm deliberately took all my money & spit out a receipt that didnt even have a balance I went into the establishment to get help considering I used the ATM right outside none of the tellers helped me they told me to call the number on the receipt although I asked to speak to a manager they refused to help me so I filed a dispute with the number unfortunately the money is needed to pay my bills I am a single mom struggling to make ends me I find it very inconsiderate that the bank can take my money & no one knows where it went or when Ill get it back I am currently accumulating late fees due to this ATM taking my rent money they will move forward with the eviction process if I dont get it paid Ive called the bank multiple times today to speak with a manger to credit my account I am unable to reach anyone this situation is affectingy livehood & is very inconsiderate I just want my money to pay my bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Greetings, Please refer to case # XXXX in regards to background information on this matter. XXXX has responded to this case by closing my account and partially refund the remaining balance. On XX/XX/XXXX, I had at least {$3000.00} dollars available in my locked account. However, only XXXX was refunded back to me. {$500.00} is still being withheld by bluebird for the past 3 months. 

I am respectfully requesting a monthly statement for the months of XXXX thru XXXX detailing the transactions that transpired during this period. Furthermore, I am requesting that my all remaining funds be refunded back to me. 

I recommend that this matter be also forwarded to XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. This lack of transparency on the movement of my funds and witholding of funds for at least 3 months rises to the level of criminality.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: NV

Complaint narrative:
My issues with XXXX XXXX  goes back three years or more. I signed up for a gym membership and personal training XXXX XXXX XXXX XXXX XXXX XXXX, I recived traing for almost a month until I caught XXXX at the XXXX XXXX. I calleed in and told The fitness trainer I was going to be out for Some time. XXXX XXXX XXXX said No problem Call us when your better. During my XXXX I had to under go XXXX XXXX XXXX XXXX. I called the fitness center to cancel my membership and was told that a freeze would be placed on my account and I did not need to pay until i got better. Within 3 months I started recieving collection notices. I called the gym and I basicaly got the run around and even one of there staff stated that XXXX and XXXX XXXX  were no reasons they could use to cancel my membership. I tried to fight the membership issues but kept getting pushed around to differnt manger. All the while trying to XXXX from XXXX  XXXX. I let time lapse and decided after 2 years to visit XXXXXXXX XXXX XXXX  XXXX XXXX location and speak with the fitness manager XXXX XXXX on XX/XX/2023 about my Membership outstanding fees. He stated that he would erase the fees and past dues in exchange for a new contract plus add extra free training. I decided to move forward with the plan and paid the entire amount up front. I completed my training as well as my contract XX/XX/2023. I decided to do one more sesion which after completing my first session I was told the second session was not under contract for the another session and I could quit anytime. This holds true as is states on their website. My First month of training I noticed I was being overcharged and braught this up to the manager XXXX and he stated this has to be mistake and he would take care of this issue. Being fed up with terrible service and a manager who promised free training for all the issues Ive had over the past did absolutly nothing but charge me for every service plus he never erased any of my billing issues from XXXX  XXXX location. My final termination of services was sent to XXXX XXXX XXXX XX/XX/2023. My last day of traing was XX/XX/XXXX which services were never rendered due to and Argument with the XXXX and the trainer both stating that they had no idea I was quiting. This is why I made sure to email XXXX about my termination. He then claimed that he didnt see the emails then retracted his statements. He then said he would cancel my membership on the spot. This never happend and I have been fighting the billing staff about payment as well as sending emails and letters to XXXX  and not getting any responce. The collection services sent an email stating I owe {$47.00} and the XXXX location manager said I owe {$20.00} Now I just recieved another letter stating I owe {$470.00}. The billing is all over the the place without sort bill reflecting these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: RI

Complaint narrative:
Our mortgage was sold to roundpoint mortgage, including the auto payment details. All payments were made on time, yet the mortgage company reported us 60 day delinquent on the mortgage. this has caused our credit report to nose dive just as we are in the middle of closing on a new house. I understand that some loan data might be missing for a month or so when a mortgage is sold. But outright saying that we missed payments is downright criminal because it is going to cause us a huge hardship if we are unable to close on the new mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Attn : Customer Relations Department XX/XX/2023 To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Mistaken Identity DEPT OF ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. Mistaken Identity US DEPT ED Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. Mistaken Identity US DEPT ED Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to dispute a fraudulent charge for {$2700.00} at XXXX XXXX in XXXX which has a date of XX/XX/ but appeared on my statement as a reversal on XXXX. I did not authorize this charge and have reported it as fraudulent by calling the Citi security department at XXXX on XX/XX/ where I was provided a case number XXXX and was told to wait for the security team to contact me via phone, email, or mail. 

I followed up to the same department on XX/XX/ and was told that I just needed to wait to be contacted for follow-up. I received no communications from Citi and called again on XX/XX/. On my XX/XX/XXXX call, the representative made another dispute and cancelled my card to issue me a new card number, then told me to wait for the security team to contact me. 

I still had not received any follow-up communications from Citi and called again on XX/XX/ to inquire why the charge was still part of my balance and why there had been no follow-up from Citi. The agent responded that I just needed to wait for the security team to send me a communication. I informed the agent that I would be filing a CFPB complaint since my fraud dispute had not been resolved after almost 1 month. 

The charge has not been removed from my account and I was charged interest and fees for it and it is still gathering interest. I am also no longer able to sign onto my online 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 monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I recently signed up for a solar loan with Dividend Financial. The installer installed the solar panels but has not passed the city inspection. I communicated to the lender that the installer has not completed the project because the panels may be a fire risk or pose a risk to destroy my property without the city 's approval. The lender routed me to their Project Resolution Department, with an individual named XXXX XXXX I have been working with the solar installer to complete all the steps and set times to have my solar panels pass inspection ; however, my understanding of the loan docs is the panels are not installed until the city approves the installation. Moreover, the solar installer said they would cover the monthly payments until they completed the project and received approval from the city. 

The lender, Dividend Financial, said that because I have been in contact with the installer that they would not keep my case open and would not help me in the future because I'm in contact with the installer. Additionally, the lender said they would not confirm whether the installer will pay directly or I will have to pay and the installer will reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax scoring algorithm appears to be incorrect. My credit worthiness improved by lowering my dept and raising my available credit however Equifax lowered my score by XXXX points. This does not reflect my credit worthiness and is affecting my ability to get approved for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letter for the information that needs to be re-investigated. 

1. Identity Theft XXXX Account XXXX : xxxx This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 


The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/, I deposited two IRS tax refund checks totalling {$8100.00} in my US Bank checking account. I was told by teller who took my deposit that US Bank was putting a 7-10 hold on the checks to verify them. I found out after I left when I tried to make a purchase that US Bank had placed a freeze on my account. Over the next 24 hours, from XX/XX/XXXX to XX/XX/XXXX, I was giving multiple reasons why this was done from multiple customer service reps at US Bank to the teller and branch manager at US Bank XXXX XXXX ohio branch. I was told checks were being held for verification then both checks bounced then fraud department had placed hold on my account. Finally I was told by teller who made deposit and branch manager at XXXX XXXX branch that US Bank risk department had placed hold on my account and was reviewing my account for closure. They said they didn't have reason why this was being done. On XX/XX/, I received a letter dated XX/XX/ from US BANK stating that my account was in process of being closed for 'suspected irregular activity '. I checked my online banking and a withdrawl was made on my account at XXXXXXXX XXXX for {$8100.00}. I immediately called US Bank XXXX XXXX branch and spoke to teller who took original deposit to ask who withdrew that money out of my account. She told me she didn't that information. I recorded my phone call on my cell phone with her. I asked when I would receive my balance of {$8100.00} and she stated it would be mailed out within 15 business days. It has been a total of 35 days and I have received no check or explanation of where my money is.

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