vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-07 00:00:00
Product: Mortgage — Conventional home 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: U.S. BANCORP
State: MN

Complaint narrative:
I purchased a condominium XXXX XXXX XXXX, originally purchased with XXXX XXXX XXXX XXXX. I was never given a notice, but they suddenly sold the note to US Bank National Association. They have since went up several times on the mortgage payment. I recently mailed them certified and faxed a letter requesting UCC Article 9, Writ of Discovery, freedom of information act and request of accounting regarding the loan. I also sent them a tender of payment to include 1099A, twice XXXX and XXXX XXXX  Since US Bank has securitized the promissory note, without my consent and knowledge, I have rescinded the contract and stand a surety over the securities and request and demand discharge of debts. They have committed securities fraud and I demand a discharge and immediate pay off to be reported on my credit report. They have ignored the notice and phone calls. They have instead used it to ask if I want to sell the property or request forbearance. I am demanding a discharge of the debt, due to securities fraud.

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 2023-12-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing this formal complaint against Bank of America with absolute confidence in the validity of my grievance, supported by pertinent references to applicable laws and consumer protection regulations. My aim is to underscore the necessity for Bank of America to resolve this issue in my favor. The details of my complaint are as follows : Account Closure and Credit Card Payment Issue : In XXXX XXXX, Bank of America abruptly closed both my Checking and Savings accounts without any prior notice or valid reason, which is a clear violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E. This sudden and unwarranted action left me without a means to make payments on my Bank of America Credit Card XXXX which was issued by the same bank. 

Late Payment and Credit Report Impact : Due to the closure of my accounts, I was unable to make timely payments on my Bank of America Credit Card, resulting in a 30-day late payment that was reported on my credit report in XXXX XXXX I firmly assert that this late payment was solely a consequence of Bank of America 's actions and not due to any negligence on my part. The Fair Credit Reporting Act ( FCRA ) stipulates that credit reporting must be accurate and that consumers have the right to dispute inaccurate information. 

My Attempts to Resolve the Issue : I have made persistent efforts to resolve this matter with Bank of America, as mandated by the Consumer Financial Protection Bureau ( CFPB ) regulations. On XXXX XXXX XXXX, I sent a goodwill letter to Bank of America requesting the removal of the late payment remark. I followed up with another goodwill letter on XXXX XXXX XXXX  Additionally, I proactively reached out to Bank of America by phone on XX/XX/, to discuss my concerns and request the removal of the inaccurate late payment remark. 

Bank of America 's Response : Regrettably, despite my unwavering determination and articulate explanations highlighting that the late payment was a direct result of their actions, Bank of America has obstinately refused to acknowledge their error. They have unreasonably declined my request to remove the inaccurate late payment remark, which is a breach of the FCRA and Regulation Z. 

Impact on Myself and My Family : The repercussions of Bank of America 's actions and their unyielding stance have been far-reaching. My family and I have experienced substantial stress, frustration, and credit damage, causing harm that is counter to the XXXX XXXX XXXX Reform and Consumer Protection Act 's core principles of consumer protection.

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 2023-12-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IN

Complaint narrative:
Last year in XXXX, I was car jacked by two XXXX men at a gas station in XXXX XXXX, Illinois. My car was stolen. I immediately called XXXX and they tracked the suspects down in a forced stop. My car was totaled. However, once my car was retrieved. XXXX XXXX , XXXX in XXXX XXXX was not very nice to me. They would not let me get my things out the car or even look at the damages. Earlier that year about a month before my car needed repairs. I purchased my car at XXXX in XXXX Indiana and the Manager lied against me and would not make the necessary repairs to my car before I was car jacked. XXXX collected my car with out my knowledge after the car jacking, repaired the damages to the vehicle from the force stop and sold it to another buyer. XXXX said I voluntarily surrendered my car back to them. I did not surrender my car. I never had a conversation with XXXX or the collection agency MRS BPO , LLC. Unfortunately, I had a bad year in XXXX and XXXX. I could not contact anyone because I was XXXX and XXXX for 1yr. I do not owe this debt or remaining balance that is owed on this car. It's a XXXX XXXX XXXX. The suspects are currently in XXXX and awaiting XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : 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 non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: TX

Complaint narrative:
XXXX is attempting to have American Coradius International LLC collect a debt on a fraudulent account that was not authorized. This account was already notified to XXXX as true identity fraud. I did not own this account and I do not. All of the bank accounts linked do not match to me. The charges on the accounts are not my charges. I did not apply for this account and I did not receive any benefit from this account. XXXX did not have my authorization or permission to open this account. The charges are fraudulent. I did not receive any cards from this company I didnt reach out to XXXX to pursue this account. XXXX was notified Im a victim of identity theft and XXXX chose not to investigate this situation and instead falsely accused me. No proof has been provided I do not own the email address they used to register this account and I will not accept liability for this debt this is true identity fraud and I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: GA

Complaint narrative:
EXPERIAN now under XXXX XXXX XXXX is obligated by the FCRA to report accurate accounting, consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EXPERIAN to provide the documentation used to determine inquiry was indeed authorized by the consumer, EXPERIAN has 15 days to provide me with the name of the person spoken to documentation signed application with my wet ink signature, consumer is not asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap, SAID company is liable under the SEC to follow certain rules. EXPERIAN Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , New York XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , New York XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX XXXX XXXX, MT XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I will be filing form 211 treasury omb forms to audit consumers account. EXPERIAN is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), 15 USC 6801, 15 USC 1681 section 604 ( a ) section 2, 15 USC 6802 ( b ) ( c ), USC 1681C ( a ) ( 5 )

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 2023-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
Freedom Mortgage found a {$610.00} surplus in my escrow account and sent a check payable to my husband and me. On XX/XX/XXXX I sent them a letter, certified copy of my husband 's XXXX XXXX, and the check, requesting that they reissue the check in just my name. Since then, I have called on XX/XX/XXXX ( XXXX ) and was told they'd get back to me on XX/XX/XXXX. Nothing. I called again on XX/XX/XXXX ( XXXX XXXX and was told they would do a direct deposit and took my bank information. Nothing. I received a letter dated XX/XX/XXXX acknowledging receipt of death certificate and condolences, but no check. I wrote another letter on XX/XX/XXXX restating all of this. No response. This is a VA loan, because my husband was a XXXX XXXX XXXX XXXX. Freedom bought this loan from XXXX XXXX, but it is impossible to deal with them.

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 2023-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I cosigned for a car for someone in XXXX who then approximately one year later decided to abandon the car and left it with me. I then had to go through hoops to try to get the car registered in my name and have the car sold to me in XXXX with all the documents and paid receipts of sale in XXXX the car was lost in the flood in XXXX and as of this date XXXX XXXX has refused to pay off the vehicle because XXXX keeps sending a title in their name as the owners even though there is no lien on the car and my name and the person I cosigned for is still on the back of the title I have tried several times with the motor vehicle department insist that XXXX has to have my name put on the title being it is sold and paid for XXXX has not helped me in approximately six years that Ive been trying to do this and now I am stuck with a car that is salvaged And XXXX XXXX will not pay me until the title that XXXX has to release has my name on it It seems that this is an ongoing problem with XXXX for people trying to get a title and their name. This is not acceptable to them to issue a title with their name still on it as the owners when the loan is paid off after purchase and I have receipts for it XXXX XXXX will release my money but I have to send them a title with my name on it so it can be sold to them for reimbursement. There was no loan on the car after the lease. We just bought it out right as the receipt shows. Thank you.

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent experian a identity theft affidavit to prove it was theft they did nothing it is causing me hardship

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 2023-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i advised it was identity theft they did nothing. I am tired and frustrated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed items on my credit report. I verified that I was involved in the Equifax Data Breach on the FTC website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I contacted Experian by phone to get a single use PIN to allow someone to run a credit check on my frozen account. They said it could not be done at that time because of a problem in their system. They said to call back in an hour or more. I called a second time but was unable to ever reach a live human being. The system refused to connect me to a person that could understand what I wanted and the automated system was not able to help me either. Experian needs to change their automated system so callers can reach human beings when the automated system is not effective.

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 2023-12-07 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: GA

Complaint narrative:
did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Under 15 U.S.C. 1681i ( 7 ) Method of verification these Inquiries are in violation and should not be on my credit report. 
The Inquiries are the following : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 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: CA

Complaint narrative:
Dates do not match Amounts are not matching across board All XXXX are not matching Open dates are not matching ect

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 2023-12-07 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: CA

Complaint narrative:
Dates do not match Amounts are not matching across board All 3 are not matching Open dates are not matching ect

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 2023-12-07 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: CATHAY BANK
State: WA

Complaint narrative:
I paid {$3700.00} cash to a teller to pay my mortgage on XXXX of XXXX before the cut off day on XXXX every month, but I got remarked " missing payments " in the result, my credit score got decreased XXXX points. I went to the branch 3 times, and called customer service number 4 times, the first 3 times I got hung up after waiting about 20 minutes. They all told me that they will notify their manager, and have the manager call me in 3 business days, but no one called.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
I tried to get a copy of my data, to freeze the account and to opt out of third party sharing. The website kept giving me an error code even though my passwords met their criteria. I tried several times with different passwords all of which met their criteria and kept getting error messages. In addition, when I tried to enter my birth year the little calculator pops up and I have to manually scroll to 1953. I have a XXXX with my hands and can not use this item on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to express my grave concern regarding the inaccurate information that continues to be reported on my credit report, despite my previous dispute attempts. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is incorrect, and it is your legal obligation to respond within 30 days to my disputes. Regrettably, your agency has failed to respond not once, but twice, to my previous disputes. My previous dispute letters outlined the specific inaccuracies on my credit report and requested that you investigate and rectify them. To my astonishment, I have received no response, acknowledgment, or action from your bureau regarding these disputes. I want to draw your attention to the provisions of 15 U.S.C. 1681i Paragraph ( 5 ), which clearly states that if any information disputed by a consumer is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall promptly delete that information. It is disheartening that your agency has not adhered to this legal requirement. I insist on the immediate removal of the inaccurate information from my credit report, as mandated by the FCRA. The inaccurate information in question is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  - the information that you are reporting is not accurate- you have failed to investigate my inital requests- you have failed to respond to my inital requests This information needs to be DELETED immediately Failure to promptly rectify this situation will leave me with no choice but to pursue legal remedies and file a formal complaint with the appropriate regulatory authorities. I am prepared to take any necessary action to ensure that my rights under the FCRA are upheld and that my credit report accurately reflects my financial history. I expect a written response from your bureau within 15 days of receiving this letter, confirming the removal of the disputed inaccuracies. It is your legal responsibility to promptly address this matter and comply with the FCRA. 
I trust that you will take this matter seriously and resolve it promptly to avoid any further legal actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I received a phone call from XXXX XXXX with Chase Bank XXXX XXXX asking me about a wire transfer that I had made on XXXX XXXX for XXXX, I didnt really give much information to her as I am not accustomed to dealing with people that call me and I dont know anything about them. The next day before I found out my bank account was restricted. I was calling to see when my retuning wire transfer was coming back, I was told that on XX/XX/2023. The funds came back but could not be applied to my account because of the restrictions. I went to the Chase bank in XXXXXXXX XXXX. The bank manager XXXX XXXX would not give me my funds and refused to help and I mentioned to him that I had XXXX with XXXX XXXX speaking to me on my cell phone, telling me to put my phone on speaker so XXXX the bank manager could hear her. She is explaining to him that the notes she put down on my account said that I could get my funds. XXXX was arguing with her and saying she has no right to call me. I feel as a customer this bank manager should never have been given this job as he thinks he has all the power that controls the customer lives, but is unwilling to help solve the actual problem and issues to help. This was proven to me when the manager told me that he would check to see about my XXXX wire transfer that was coming back to my account if it was able to be paid to me, he told me that he would call me back around 3 he never did, I called him and left one message to call me. I dove to the bank after I l called the wire department and found out the my wire came back the day before and could of been in my account on XX/XX/2023 so I figured I would be able to get my funds but the manager refused and said the wire person lied to me then he asked me and my wife to leave the bank.

Company response to consumer: Closed with non-monetary relief