vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I have spoken with someone at the rocket mortgage about removing my PMI they said that FHA requires the PMI but I spoke with someone at FHA and they said that's not true they do the MIP so rocket mortgage is lying to me about certain things and that not willing to remove the PMI for whatever reasons and it's very confusing and I'm not understanding why so I need some help here I've never been late on my payments at all always on time and my value of my house has exceeded the amount of what the house is worth and they have that as well. It's making it very hard for me to make my payments it's going to be so bad to where I will lose my home if this does not be removed I do not want to lose my home I do not have that time to lose my home so I need some help to have the PMI removed thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial is showing a balance of XXXX. This was paid off years ago and the co signer of the auto lease is deceased. I would like this removed off my record. This was taken care of years ago.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received record of late payment in XXXX, along with several harassing phone calls, after checking our bank records we confirmed that we had never been late and in fact had been forced to pay future payments. Ive filed XXXX claims so far and explained to WSFS bank reps that the payments have never been late. The reps acknowledge this but say they will have someone call me back. They have never reached out to try to resolve this and my credit has been impacted by over XXXX points, which inhibits new credit with other creditors.

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 — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I was at the XXXX XXXX Truist Bank and used their ATM to withdraw {$180.00}. The ATM never dispensed my funds but the money was completed on my banks end. I am stuck in the XXXX airport for the XXXX day as I needed these funds to travel. I went to the branch manager who was extremely dismissive. I need these funds released back to my account so I can go home.

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: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is the refilling of my complaint to American Express. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and account with mistaken data, like payment history, status, balances, and date of last activity. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my writtien instructions.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: VA

Complaint narrative:
Discover aka XXXX has violated savings account laws by not disclosing publicly the data breach that occurred resulting in individuals accounts being charged without their consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/2023 I made a payment to MOHELA via XXXX XXXX XXXX  bill pay in the amount of {$680.00}. 

MOHELA has yet to provide me credit for this payment. I have attempted to contact MOHELA via their secure message system. They reply with a generic response that according to their records this problem has been resolved. 

I also used XXXX 's system where I can report a missing payment. XXXX provided a response indicating they have made multiple attempts to contact MOHELA but are are unable to connect with someone. 

During this time I continue to pay interest on student loans and the interest continues to accrue. I believe this is fraudulent accounting principles and if you multiply my case by thousands if not millions of other students in the same situation, we are paying massive amounts of interest in loans in an unfair and dishonest manner. 

MOHELA refuses to credit my account with a payment that was made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Goldman Sachs pre-approved my application for a {$5000.00} XXXX XXXX XXXX XXXX. They requested that I upload my State ID, which I did and Goldman Sachs sent me a letter stating false information '' identity could not be verified '' I sent them my valid front and back of my state ID, so they had documentation of identity as they requested. Still they denied my application, The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The Department of Justice may file a lawsuit under ECOA where there is a pattern or practice of discrimination.

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 — Cashing a check
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/2023 I cashed a loan check drawn against a Citibank account. I had no problems cashing the check and I subsequently opened an account. In XX/XX/2023 I refinanced the loan and Citibank would not cash the check. I was told Citibank Delaware is a third party and they could not cash the check. I just dont understand. The bank manager refused to cash the check. I think this is ridiculous and unbelievable. I will close my account once my funds clear, but 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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: M&T BANK CORPORATION
State: DC

Complaint narrative:
I reported 3 unauthorized charges '' XXXX {$150.00} anany XXXX {$210.00} XXXX {$360.00} Though the bank processed, and credited the first two ( XXXX and XXXX ) it has not processed or credited the XXXX, And despite numerous calls to the bank, and hour long holds I have not been able to get XXXX information as to why the unauthorized charge has not processed. 
In fact, I have been told it did process but why the credit has not posted is error. Each time, I am told call back tomorrow, call bacck tomorrow.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XXXX ORDER IMPOSING CIVIL MONEY PENALTY The XXXX XXXX XXXX XXXX ( FinCEN ) conducted a civil enforcement investigation and determined that grounds exist to impose a Civil Money Penalty against USAA Federal Savings Bank ( USAA FSB or the Bank ) for violations of the XXXX XXXX XXXX XXXX XXXX ) and its implementing regulations. 
XXXX USAA FSB admits to the Statement of Facts and Violations set forth below and consents to the issuance of this XXXX XXXX. 
I. JURISDICTION Overall authority for enforcement and compliance with the XXXX lies with the XXXX of XXXX, and the XXXX may impose civil penalties for violations of the XXXX and its implementing XXXX At all times relevant to this Consent Order, USAA FSB was a bank and a domestic financial institution as defined by the XXXX and its implementing XXXX As such, USAA FSB XXXX XXXX to comply with applicable XXXX regulations. 
STATEMENT OF FACTS The conduct described below took place beginning on or about XX/XX/XXXX, and continuing until on or about XX/XX/XXXX ( the Relevant Time Period ), unless otherwise indicated. 
XXXX XXXX XXXX XXXX The XXXX requires banks to implement and maintain an effective XXXX XXXX XXXX XXXX  ) program in order to guard against XXXX XXXX through financial institutions. 
XXXX Additionally, the XXXX imposes affirmative duties on banks such as USAA FSB, including the duty to identify and report suspicious transactions relevant to a possible violation of law or regulation in suspicious activity reports ( XXXX ) filed with XXXX The reporting and transparency that financial institutions provide through these reports is essential financial intelligence that XXXX, law enforcement, and others use to safeguard the XXXX XXXX system and combat serious threats, including money laundering, XXXX financing, organized crime, corruption, XXXX trafficking, and massive XXXX schemes targeting the XXXX XXXX, businesses, and individualsXXXX XXXX XXXX is a bureau within the XXXX XXXX XXXX XXXX XXXX  and is the XXXX XXXX that enforces the XXXX by investigating and imposing civil money penalties on financial institutions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
On XXXX XXXXXX/XX/2023 I visited XXXX XXXX in XXXX XXXXXXXX XXXX Carolina, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) one time ; they ran my credit eight ( 8 ) times. The additional seven were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries.

This company is one of the many where XXXX XXXX sent an unauthorized inquiry.

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: Westlake Services, LLC
State: NC

Complaint narrative:
On XXXX XXXX XXXX I visited XXXX XXXX in XXXX XXXXXXXX XXXX Carolina, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) one time ; they ran my credit eight ( 8 ) times. The additional seven were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries.

This company is one of the many where XXXX XXXX sent an unauthorized inquiry.

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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
On XXXX XXXX, 2023, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. 

This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.

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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XXXX XXXXXXXX XXXX, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. 

This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
a letter was sent to me stating i owe money my rights have been violated 15usc 1692b

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 status incorrect
Company: ENOVA INTERNATIONAL, INC.
State: MD

Complaint narrative:
They continue to report incorrect information to XXXX. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to XXXX that my account is 120 days past due. That is not accurate. I have filed several disputes with XXXX, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I purchased a home in XX/XX/XXXX, and I wanted solar panels. At that time ( XXXX  ) I began working with XXXX XXXX who was going to install the solar panels. They said they have a finance company that can finance the project. I agreed to the financing. However, as of today, I do not have solar panels and the project has been canceled. I canceled it ( XX/XX/XXXXXXXX  ) due to the lack of communication and no installation date. It is now over a year and I am still trying ( since XX/XX/XXXX ) to get the loan out of my name. XXXX canceled the project as requested and now Mosaic is requesting payment on the loan and I have no product. They keep telling me that they need to get permission from XXXX to cancel the loan. No one is talking to each other and no one is listening to me. Neither one will communicate any of the information via email or in the form of a written letter. As if they don't want to admit that the project has not and will not go forward. Mosaic states that XXXX says the project is still moving forward but when I login to the customer portal for XXXX it says the project is canceled.

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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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