vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In XX/XX/XXXX, I announced to BMO Harris Bank at the branch office in XXXX, XXXX  my intention to close accounts as the certificates of deposit matured. I moved to XXXX  after my husband passed away, and there are no branches of BMO anywhere near my current location. I explained that I do not use email or text and was provided a passcode to verify my identity with the customer service department at XXXX. 

I called the customer service number on XX/XX/XXXX and XXXX XXXX when a certificate of deposit matured, verified my identity with the passcode, and requested that the certificate of deposit be redeemed with funds sent to me via check. Although I was told towards the end of the second call that a check would be processed, the certificate of deposit was instead renewed. I complained to the resolutions department several times during subsequent calls. I was told on XX/XX/XXXX by the supervisor XXXX XXXX that the matter would be escalated to management and that I would receive a call with the results, but I never received such a call. Note that XXXX XXXX from resolutions also confirmed escalation to management. 

I called XXXX XXXX  to redeem two other certificates of deposit that matured. After providing the passcode to verify my identity, I was transferred to the resolutions department from a representative that was not able to help me with my request. I spoke to XXXX XXXX, who told me that he would not send me my funds. He indicated that the passcode verification was insufficient and that I needed to verify via email or text, which I do not do. He indicated that there was a problem with the address, but I had already verified with BMO ( XXXX ) that there should not be any issue with the address on these accounts. 

On XX/XX/XXXX I sent a notarized letter to BMO requesting that the remaining accounts be closed and a cashier 's check be mailed to me for the funds from those accounts. I received no reply from BMO Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Today, XX/XX/year>, Fifth Third negativity withdrew {$490000.00} from a closed account supposedly due to fraudulent transactions on a canceled card and a closed account. They reopened the account due to disputes, so they say, and placed a negative {$490000.00} balance on my account. After having trouble with this bank and several forced transactions on a canceled card, I had to fight to receive over {$900.00} back and that's just the recent disputes I've had. I tried for a long time to close the account but they kept taking out fraudulent amounts on a canceled debit card. My child support would then fill the negative amount causing for shut offs, late or not being able to pay bills. I was finally able to close the account, or so I thought and then this morning I received an alert of a negative withdrawal of {$490000.00} after the account was supposed to be closed. I tried to sign in closed account it would not let me. I called the bank and they said they reopened it because of " disputes '' and took a withdrawal of {$490000.00} out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
US department of Education, was notified on XX/XX/year>, about a loan amount of XXXX, an loan amount of XXXX.I reached to them via postal service wrote a letter to them for not giving me an opportunity to challenge the debt ask for documentation, an to see they used to validate the accuracy of debt.I heard nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: CORELOGIC INC

Complaint narrative:
On XX/XX/year> I checked XXXX XXXX and saw that there was a hard inquiry on my XXXX report. 

A dispute was filed on XX/XX/year> with XXXX. 

XXXX XX/XX/year> I was informed that the inquiry was valid ; However, I have not applied for any new loans, credit cards, etc. 

The company listed is : CredcoXXXX XXXX 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Employment History from Credit Report Dear Sir/Madam , I am writing to formally request the removal of inaccurate employment history information from my consumer credit report. The inclusion of this incorrect information is a violation of your obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e - Compliance Procedures, and 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
The incorrect employment history currently listed is : Incorrect Employment Information : o XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ), consumer reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Additionally, according to 15 U.S. Code 1681i ( a ), consumer reporting agencies are required to investigate and correct any inaccuracies upon receiving notification of a dispute. 
I request that this inaccurate employment information be removed from my credit report immediately and that the necessary corrections are made to reflect only accurate and verifiable details. Please confirm in writing once the correction has been completed. 
Thank you for your prompt attention to this matter. I trust that you will address this issue in compliance with the FCRA. 

Sincerely, 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 explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I ordered a custom built boat, I paid {$14000.00} as a down payment cash. Suncoast Credit Union gave me a boat loan for the remainder which is approximately {$60000.00}. I advised the bank to pay me the loan amount so that I could pay the builder as he built the boat in XXXX. The bank refused this and sent the builder a a spec sheet to which the builder provided fraudulent information to the bank ie : serial number to motor and trailer from builds prior.the boat was scheduled delivery in XXXX of XXXX however, the boat has not been delivered. I have made a years worth of payments and the bank is now just realizing I dont have the principal to the loan. When I presented this to the bank they refuse to go after the builder and protect me the client. I am filing criminal charges against the builder but the bank needs to take the loan over and go after the builder. I cant get the loan officer to call me back and have asked repeatedly for his supervisor to call me with negative results. The bank admitted they made a mistake but I feel the loan officer and his supervisor are trying to cover themselves for making the errors they have in lending the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: MA

Complaint narrative:
I DO NOT RECOGNIZE THIS. I NEVER USED THEM TO RUN MY CREDIT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: Windham Equity Company
State: MA

Complaint narrative:
I DO NOT RECOGNIZE THIS. I NEVER USED THEM TO RUN MY CREDIT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX XXXX XXXX account is reporting inaccurate credit limit and balance and payments late XXXX on TransUnion and 90 days on XXXX which is very incorrect I will like to have this account remove from my report as soon as possible thank you so much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I've been a member of citizens Bank from the beginning of the year XX/XX/year>. I started an account with a {$300.00} bonus for opening up an account. Unfortunately the bank said that I was not eligible for the rewards and kept the money. My account XXXX XXXX XXXX  ever since then I've been missing money out of my account and nobody 's taking the blame for it. I deposit {$500.00} into account from my extra anchor anchor check and plus I deposit my energy check of {$500.00} from XXXX XXXX XXXX XXXX Checking my account the {$500.00} is not showing on my account neither one big reverse all the charges. And built me {$170.00} overdraft. If you check my account you'll see that is plenty of overdrafts and plenty of mishaps on my account that makes me think that they have confiscated my money. Talk to the branch manager and some of the employees regarding the incident and my money being refunded to me and had no luck. They denied that this is the case and that they do not owe me any money. But they owe me about {$370.00} that came out of my account that that is not counted for that you can not see but all my money is gone and they trying to put me in to collections saying that I owe them XXXX overdraft balance on my account. The account is closed still I want my refund for my balance on my account which is XXXX that belongs to me that they did not pay me for and that's not including the bonus. If someone can help me with the situation to figure out what they did to upset my account and discharge me from my account I will truly appreciate it if I get some results and get some of my money back Yours truly XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I spoke with multiple Shellpoint Mortgage Servicing representatives about a repayment agreement for my second mortgage. Each representative provided different information regarding the initial payment amount and monthly payments. Despite my willingness to pay, I requested written confirmation of the agreement before proceeding, but I have not received any documentation. The most recent representative, XXXX XXXX, informed me that my account is in foreclosure, which contradicts previous discussions about a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I didnt apply for this card. I had no knowledge of this card until they sent out a letter in the mail stating that the card payment is past due for the amount of {$80.00} which they sent on XX/XX/year>. I called and the representative said that the card was opened on XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I never had XXXX XXXX account in my name. someone used my information. 
I REFUSE TO PAY THESE DEBTS. 

XXXX DOES NOT BELONG TO ME. I REFUSE TO PAY THIS DEBT. 

CAPITAL ONE KEEPS HARRASSING ME. I AM STRUGGLING. I'VE TRIED TO REASON WITH THEM. XXXX PUT ME IN A BAD SITUATION. 
I REFUSE TO PAY THIS DEBT. 

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: WI

Complaint narrative:
I had a Discover credit card for decades always in good standing. 

My wife has been in a XXXX XXXX  for over a year and now under XXXX  XXXX. I called Discover in XXXX of XXXX to request that her name be removed from the card. I was advised they could not do that, that I would have to cancel that card and request a new card under just my name. 

So I followed their advise and canceled the card which included my wife 's name. I then requested a new Discover card, as they recommended, under just my name XXXX XXXX. I applied for the new card the SAME day that I canceled as they advised me to do. Discover personnel, then informed me they would NOT approve the new card because my credit report indicated that I had only 2 credit cards to my name! 

I'm XXXX XXXX XXXX and used this card to pay most of my bills. When the card was canceled there were numerous outstanding automatic charges that hadn't processed and I did not know what they were. Therefore, I started to receive notices of non-payment with added penalty fees. 

I personally think the reason they denied the new card was NOT valid. I think the real reason they denied it was because they had paid out too much in rewards to me and they wanted to dump me. 

As I stated, I had this card for decades. I always paid the full balance due monthly and on time. 

This has created a great hardship for me. It took me over a week to receive a new card from another source my bank... XXXX XXXX. This has been very inconvient to say the least, I still have no idea of automated payments that may have been denied. 

I have destroyed the card and can't provide the complete card number. 

The card was under the name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Since 2019 the intrest rates have risen from 15 % to 21 % without any justification. 
I request that the CPA request and publish the banks and credit card companies reason for the high rate of increase, especially in light of their increasing profits. This is an area where the government should control the price gouging by major companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-14 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: NY

Complaint narrative:
The Following inquiries were made on my account without my knowledge. I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/XXXX and noticed some things are not accurate. The List of Hard Inquiries below has hurt & violates my credit score & According to XXXX XXXX XXXX, Consumer reporting agencies are suppose to assure maximum possible accuracy according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation