vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have a mortgage home loan with US Bank. I fell behind on payments on XX/XX/2023 due to child support issues and have recently been able to resolve the hardship as of XX/XX/2023 and can resume making the original mortgage payments however when i explained this to US Bank Home Mortgage they modified the loan to terms that were excessive and added {$400.00} to my monthly mortgage payment and increased the loan from 4 % to 7 % making it impossible to pay the new terms. I have asked to have the loan modification reprocessed as this is unacceptable and i cant get one person to assist or help in this matter at US Bank. My loan servicer XXXX XXXX will not return any calls, emails at all. Every time i call the default number the customer service reps are rude and refuse to transfer me to a manager. I can afford making the payment of {$1000.00} however i refuse to allow this bank to take away the rights that i have as a customer. I need help getting these people to do their jobs and go back to the drawing board and come up with another modification that are terms i can afford. The management is atrocious.

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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
The company called my phone XX/XX/2023 before the required time by law to call customers. The company called me at XXXX XXXX. The company called me again the same day around XXXX. Ive spoken to management about the situation and they wanted me to submit proof because they did not have any records of an agent that called. I submitted the proof online and called the company XX/XX/2023 around XXXX am and asked to speak with a manager about the situation. Management will not take my calls so I am now filing a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received two different escrow statements. The first one stating that they paid my property taxes in XXXX. Then I decided to close my escrow account because I am able to do that. Then they sent me a final statement in XXXX with the property tax payment removed. Then I received my tax bill stating it has been paid by my bank/mortgage company . I double checked with my mortgage company and they stated they hadn't paid it. I asked why and they couldn't give me a reason why. I was on the phone with them for over an hour. They either falsified documents or don't know what they are doing.

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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Made payment to stop charge off XX/XX/XXXX advised I would make payment again XX/XX/XXXX but check didn't clear at bank from accident explained I lost job I XXXX XXXX XXXX XXXX XXXX XXXX XXXX motorcycle accident XX/XX/XXXX so that set me back a lot tried catching up finally have money but they charged account off they didn't inform me or call me and toyota financial is also saying I told them not to call me which is a lie also vehicle was in accident and XXXX XXXX I had to battle with them on repairs didn't have vehicle for a year fighting with XXXX XXXX just recieved vehicle back XXXX weeks ago from accident XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2023-11-14 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: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

Transunion : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/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 2023-11-14 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: NY

Complaint narrative:
The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly, have them removed and haven't received a response. 

XXXX : - XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX  - XXXX XXXX XXXX ( Bank ) XX/XX/XXXX  - XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIB Group, Inc.
State: MD

Complaint narrative:
Due to inaccuracies in my XXXX XXXX report, I've faced denials for XXXX XXXX XXXX XXXX insurance. Despite my efforts to contact the company through their website and phone number ( XXXX XXXX XXXX XXXXXXXX ), I've received no response since XXXX. I've been with XXXX for over XXXX years and can provide documentation to refute the reported health issues. Unfortunately, I have been unable to speak with anyone at the company to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXXXXXX XXXX XXXX # XXXX Closed Accounts : XXXX # XXXX XXXX # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Someone on XXXX ( impersonating XXXX XXXX ) had messaged me consistently for a few weeks saying they wanted to buy me jewelry, they then sent me two checks on XX/XX/XXXX for {$3500.00} and another on the XXXX for {$4500.00}. They both went into my account successfully. After that they sent me a jeweler and i looked him up to find his account and was to purchase the jewlery there as a personal buy, when i sent some not all of the money to this account they deleted their accounts and the checks bounces, in which they took {$5000.00} of my money in my checking account. This was done through zelle, i contacted both XXXX XXXX and Zelle and they said they blocked this man from the bank he was using and from zelle. His phone number is ( XXXX ) XXXX, name XXXX XXXX. If they were able to confirm he committed fraud and took my money and blocked him, how are they not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I set up a wire for $ XXXX yesterday evening on JPM Chase bank checking account. This is a account that I have wired before and is not new. Every time they hold up the wire and force me to go thru " ridiculous verification process. I believe they are motivated by more then protection, holding up the money and transactions. They not only stop the wire but lock up the account as well. Then I have to make several phone calls to get the account released and set up the same transaction again. Again I have to go thru " the same process, This process is set up to be done thru " offshore support and they are very slow and useless. It takes extremely long to get anything done. This is done for my protection they say, but this excessive and delays my work. 

I need this to stop or they set up an proper process to verify and do it in a fair way. This needs to be stopped and they know this is not the first time it is being done as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My dwelling insurance policy must be paid by XX/XX/XXXX for {$910.00} ; otherwise, the policy will be canceled. I spoke with PHH mortgage ( Loan number : XXXX ) and requested that payment be made by XX/XX/XXXX. The agent stated the payment was made by PHH mortgage on XX/XX/XXXX, but it was not credited to the insurance, and the agent could not tell me how the payment was made. She said she would request another payment by wire and call me back with an update. She called me several days later but could not verify the payment was made. 

I contacted the insurance company on XX/XX/XXXX to request the status and they stated PHH did not pay the insurance and it would be cancelled the next day. I called PHH again on XX/XX/XXXX and asked for the status. PHH stated a wire would be made and it paid after XXXX business days after. PHH would have failed to pay the outstanding payment to the insurance company in time, and I paid the outstanding balance of {$910.00} on XX/XX/XXXX since PHH failed to clear the payment as required by the XX/XX/XXXX deadline. 

On XX/XX/XXXX, I received a call from PHH stating they paid on XX/XX/XXXX and that the insurance company did not accept payment electronically. This took XXXX days to find out, and PHH did not attempt to close the outstanding balance, even though they stated they made multiple payments after XX/XX/XXXX, which they did not verify. 

I asked what steps they took to ensure it was paid in time, and they stated the payment on XX/XX/XXXX was their only obligation, and it was my problem that the insurance company required payment by check, and they would not take any steps to address it, and it was my problem. I spoke to them again on XX/XX/XXXX, and they still could not confirm whether a payment was made and would not pay me back after I made the payment to the insurance company, saying that it was not an option for them to pay me back. I would need to ask the insurance company for payment. How could I ask the insurance company for my payment when that was the only payment credited to the account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Bank is holding a certified check from a major company and bank and refuses to electronically verify it, instead wishes to hold it for longer than the XXXX business days Regulation CC and Expedited funds availability regulations dictate. 

They only give me a nonsensical and non-specific reason as to why they are holding funds. 

I regularly deposit and withdraw large amounts monthly and the reason they give it that a certified check " gives them specific information it will not be honored '' ( won't disclose what that specific information is, is a major company I have done regular business with, and I have an established high direct deposit relationship with the bank, and have never had a bounced check )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: VA

Complaint narrative:
Companies XXXX, XXXX XXXX Experian abused consumer reports

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 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX times over the past XXXX years criminals have attempted to open deposit accounts at XXXX XXXX  using my personal information to include XXXX. Each time US Bank has sent me a notice and asked me to call and confirm whether I did apply for a new deposit account or not. 

On or about XX/XX/XXXX I received yet another notice of an attempt to open a deposit account in my name. I called the number on the e-mail sent to me and clarified that I did not apply for a new account. Since this problem is recurring, I asked them to take steps to ensure no new account can be opened in my name. I was told they would institute safeguards. 

On XX/XX/XXXX I received yet another notice that an application for a new account in my name was submitted. I was told to contact ( XXXX ) XXXX to confirm XXXX. Calling that number only reaches a very confused general customer service representative who places me on hold for over XXXX hour at international direct dial rates. After repeated tries, I was given a direct number to the XXXX XXXX. 

On XX/XX/14 at approximately XXXX am I called the XXXX XXXX. and after a brief reached an astronomically incompetent representative who insisted on sending a OPT to my cell phone. Her codes never arrived. She then stated that without OTP verification, I can not report a case of fraud against US Bank. It is beyond stupid that one can not help protect US Bank from fraud losses should their XXXX not arrive. I hung up. XXXX minutes their XXXXs arrived. 

I attempted to call again and this time the holds are for at least XXXX minutes, again at international direct dial rates. 

That XXXX XXXX is so incompetent that someone can not help them recognize fraud and protect them from financial losses, perhaps the CFPB needs to investigate.

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