vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
What Happened : Around the end of XXXXbeginning of XX/XX/year>, I attempted to open a business checking account with BMO as a sole proprietor. I reached a screen requesting documentation typically required for incorporated entities, which seemed unusual for a sole proprietor account. Assuming this was an error, I did not complete the application and exited the process. 

I then successfully opened a different account under an LLC, for which I had the required documentation. I believed I had only opened one account. However, I later received two debit cards : one for the LLC account, which I expected, and another for the sole proprietor account, which I did not fully complete.

When I called BMO to close the sole proprietor account, a representative informed me that closing the account within 90 days would incur a {$50.00} fee, as outlined in their business checking product disclosure. I argued that since I had not fully completed the account opening process by submitting documentation, it was inappropriate to consider the account open and charge a fee for closing it. 

Despite my explanation, the representative suggested maintaining a XXXX balance to avoid monthly fees until the account auto-closed due to inactivity. This seemed unreasonable because the account closing fee was still applicable within 90 days of account opening, regardless of activity. 

I believe this situation resulted from a bank error, as I did not intend to open the sole proprietor account. The bank should have acknowledged the issue and waived the {$50.00} account closing fee without requiring me to navigate this workaround. 

Actions Taken : Contacted BMO to clarify the situation and attempted to close the unintended sole proprietor account. 
Was informed of the {$50.00} closing fee and advised to maintain a XXXX balance to avoid fees.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Transunion recently ( around mid XXXX XXXX XXXX ) reduced my credit score. When I inquired as to why they advised that two accounts ( XXXX XXXX and XXXX ) had excessively high balances. I informed them that both accounts were installment loan accounts and that the status on both were at or below their scheduled balances and there were no late payments on either. Transunion indicated that they would investigate and report back to me. 

On XX/XX/year> I contacted TransUnion to get an update and was informed that the two accounts had been updated and were accurate. They also informed me that the issue was that I had three accounts that were in excess of {$10000.00} which were deemed excessive by TransUnion. The three are my mortgage account, a car loan, and an installment loan for a solar system. All three have payment history 's of over two years with no late payments. 

Why is my credit score being lowered when I am up to date on all of my accounts and have no adverse credit issues? 

I acn be reached at XXXX if you need more information. 


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 2024-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am writing to formally report fraudulent and coercive actions conducted by XXXX XXXX XXXX in relation to a vehicle transaction that took place on XX/XX/XXXX, which also resulted in identity theft and an improper binding contract with a third party. Based on my understanding of U.S. law, including the Truth in Lending Act and relevant United States Codes, I believe the dealership has acted unlawfully in multiple respects.

1. Identity Misrepresentation and Unauthorized Contract : I was coerced into entering a contract with a third party under conditions that I later realized, based on U.S. Code and the Truth in Lending Act, were not in compliance with legal standards.

2. Coerced GAP Agreement : I was pressured into accepting a GAP insurance agreement. Per 15 U.S. Code 1605 ( b ) ( 1 ) ( 2 ), this misrepresentation constitutes fraud, as this agreement should have been factored into the finance charge but was instead misrepresented as a separate agreement.

3. Misrepresentation of Warranty : XXXX XXXX XXXX falsely represented an extended service contract as an extended warranty, claiming it offered protection akin to insurance. This is clear misrepresentation, constituting fraud under 15 U.S. Code 1605 ( b ) ( 1 ) ( 2 ).

4. Bait and Switch Practices : I was led to believe that, based on my credit, I was unable to purchase the XXXX XXXX I initially intended to buy. Instead, I was coerced into purchasing a XXXX XXXX XXXX, a practice known as " bait and switch, '' which is fraudulent.

5. Right to Rescind : Based on U.S. Code 1635, I understand that I am entitled to exercise my right to rescind the contract. Given the fraudulent actions and violations of federal law, I am formally invoking my right to rescind the contract and request that all necessary steps be taken to reverse this transaction.

I expect a prompt resolution to this matter and appreciate your immediate attention. Should this issue not be addressed, I reserve the right to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: AR

Complaint narrative:
XXXX, Transunion XXXX XXXX are reporting 15 Hard inquiries on my credit report. I am currently in XXXX XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/2024.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal 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 explanation
Consumer complaint received 2024-09-19 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: PR

Complaint narrative:
To whom it XXXX concern, I XXXX XXXX XXXX, was checking my credit report when I saw that there was an account opened under my name but I never applied for this company to get any line of credit. Therefore, XXXX requesting actual proof that I opened this account and where was this account opened because I have lived overseas for the past XXXX years. I received an email saying that all my information was verified but how does this company know it was me and not someone else acting like they were me. Additionally, I would like XXXX XXXX to cease and desist all contact methods and that you remove this wrong information because its affecting my XXXX XXXX. Thank you for reading this matter and hope we can fix this issue soon. Your company is a fraud and XXXX telling you that I didnt apply for this loan. 


Some of the laws you may be subject to are as follows : 18 U.S.C. 1028 Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet.

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 2024-09-19 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:
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
XXXX is re [ porting as paid as agreed but has it listed as a charge off XXXX is reporting this debt continously for each month and is against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

1 a charge off that is being reported should not have a past due balance there was never a 1099 sent for the debt being considered a loss as the debt collector has reported which means the company got paid for this loss, The dates across the credit system are not accurate and they should all be reporting the exact same information across the board. 
XXXX is re [ porting as paid as agreed but has it listed as a charge off Experian is reporting this debt continously for each month and is against the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: MD

Complaint narrative:
Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.

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 2024-09-19 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: MD

Complaint narrative:
Information on collection accounts are not being reported accurately to each of the three credit agencies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are all reporting incorrect and inconsistent information to each credit agency.

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 2024-09-19 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
In XX/XX/XXXX my Mother, XXXX XXXX XXXX XXXX away leaving a Reverse Mortgage held by PHH Mortgage Services XXXX On XX/XX/XXXX I wrote to PHH asking for a 90-day " marketing '' extension on foreclosure on my Mom 's property to empty the home she had lived in for 30 years, paint it and ready it for sale. On XX/XX/XXXX, day 90 of this extension I submitted a listing agreement with a Realtor with a sale date of XX/XX/XXXX. Apparently though, on XX/XX/XXXX, day 89 of the extension, PHH placed a default notification on the home. 

This notification will make the home harder to sell and I don't think our family will be willing to clean, paint and stage the interior of the home but will just walk away from it. 
There is also a Tenant who is a hoarder in the lower unit whom we are trying to evict. 
We wouldn't evict him. 

The lender PHH would actually not be able to recoup the amount owed on the house if this occurs. AND I feel that PHH is operating in bad faith by foreclosing on the house 1 day before the 90 day deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XX/XX/year> Experian XXXX XXXX XXXX Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address.

I have included the following information : Copy of my photo ID Proof of current address Thank you for your prompt attention to this matter. 


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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding their handling of my credit card account and to express my concerns about potential discriminatory practices within their lending policies. 

As a loyal customer of Navy Federal, I have maintained two auto loans and two credit cards, consistently making my payments on time each month. However, despite my responsible credit behavior, I have only received two credit limit increases in nearly two years. I have repeatedly requested a credit limit increase, which I believe is essential for my financial growth and credit utilization management. 

Recently, I have come across reports in the media alleging XXXX discrimination by Navy Federal against XXXX and XXXX individuals. As a member of a minority group, I can not help but feel that my requests for a credit limit increase may be influenced by these troubling practices. This lack of support from Navy Federal is hindering my ability to reach my credit goals. A higher credit limit would not only lower my credit utilization ratio but also enable me to perform balance transfers from smaller subprime cards, ultimately improving my credit score.

I am concerned that Navy Federal 's practices may be unfairly limiting opportunities for individuals like myself, who are trying to build and maintain healthy credit profiles. I urge the CFPB to investigate these practices and hold Navy Federal accountable for their treatment of customers, particularly those from marginalized communities.

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
When making payments on the Bank of America banking portal the payments are not being posted in a timely fashion. I have made several payments on the due date and prior to XXXX XXXX and the payments are not reflected until a few days later. Bank of America is charging me late fees with increased interest and having debt collectors call me at XXXX at night. The payments are showing as paid on the account but the fees and collection calls continue. BOA refuses to reverse fees and interest applied even though I have documentation showing the payment was made on time. BOA states that this can be avoided by signing up for Auto Pay. My payment was due on XX/XX/year>. Payment was made at XXXX on XX/XX/XXXX and not posted. See attached documentation.

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 2024-09-19 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Method Of Verification Request Accounts : XXXX. XXXX dates XXXX XXXX. XXXX dates XXXX XXXX. XXXX dates XX/XX/year>, XXXX XXXX I am requesting, concerning FCRA 611 ( a ) ( 7 ) : * A description of the procedure ( s ) used by your agency in my earlier disputes.

* All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

* Written proof that you forwarded all the relevant information in my earlier disputes ti creditor. FCRA 611 ( a ) ( 2 ) ( B ) + If such information can not be provided within 30 business days, I demand the late payments be removed from my report.

I am keeping careful records of our communications in case I must file a complaint to se relief and monetary damages under the FCRA Sections 616 and 617.

After you've completed your investigation, please send the results to me via mail. 
XXXX Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 
My information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: AR

Complaint narrative:
XXXX, XXXX XXXX Equifax are reporting 15 Hard inquiries on my credit report. I am currently in XXXX XXXX Bankruptcy and did not apply for any credit with these companies. I have contacted each bureau and requested the removal of all inquiries. I have filed for a theft of my identity. I have contacted my Attorney regarding this issue, and was advised to call three credit bureaus to informed them of the breach. I started this process on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: NE

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with explanation