vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
We applied for mortgage to pay off a construction loan with a local Bank. The mortgage company sent us the closing disclosures showing we were approved for {$130000.00}. This was on XX/XX/2022. The closing date was set for XX/XX/2022. On XX/XX/2022 they were still approved for {$130000.00}. When they got to closing they were only given {$100000.00} which was the payoff on the construction loan. But when we found out we called the mortgage originator that we were approved for the {$130000.00} and that part of that was to pay our closing cost. We asked why the change from XX/XX/XXXX to XX/XX/XXXX. We were told a new underwriter decided this. We requested that we speak with the underwriter but were told they were not available. We told them we had no funds for the closing cost so then the agreed to increase the loan to {$110000.00} to cover those cost but not the {$130000.00} we were told we were approved for. We asked how this could be fixed and they told us that we would have to start all over again and wait another 6 months before we could close again. Since the interest rates were rising we chose to close although it was not for the amount we requested and were told we were approved for. We are asking assistance for this if possible. We feel that we were not treated correctly. Please advise.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I have been getting billed {$30.00} to $ XXXX  monthly by Synchrony bank on my XXXX XXXX account unknown to me for years and possibly totaling thousands of dollars in fees. I never signed up for this program or authorized these payments. This account was only used for veterinary bills and never had a late payment etc. I can see this bank was already fined for deceptive practices and fees for this exact program in 2014, it seems they are up to their old predatory tricks abusing a credit program that is targeted to the most vulnerable consumers ( 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 monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I wrote XXXX XXXX and Experian letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and XXXX XXXX and experian and they still have the items listed on 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 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Im writing to file a complaint about my bank Bank of America, for its inactive regarding my dispute complaint. I have a checking account with BoA, on XX/XX/2023, a debit hold of XXXX appeared on my account. The only recognizable identification XXXX state tax. I owned no state tax and for that I know. So I called the bank and told them its wrong. I asked the bank to cancel the debit hold, but the bank said there is nothing they can do. I called the XXXXXXXX XXXX XXXX XXXXXXXX, 4 times and nobody responded. 

Its a wrongly placed hold starting from the XXXX XXXX XXXX XXXXXXXX and then the inaction of Boa caused my account usage problem : the huge amount of negative amount over rode all my current positive balance, and I cant use my account for daily expenses. I have a XXXX XXXX XXXX XXXX living with me, and request CFPB immediate attention. 

Best regards 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 monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Ive been trying to get my Chase bank account since XX/XX/XXXX of XXXX. Ive been homeless in a XXXX XXXX XXXX and I was doing a what a thought a business deal. Where some guy would help me with stocks and investments. But needed access to my bank account but during the time I thought he needed for his supposed company. However on the XXXX of XXXX he deposit XXXX in the bank for the supposedly investment money. However the bank restricted my account for a supposedly fraudulent check but the check came from XXXX XXXX bank on the check and was verified. But the bank did a investigation and stated we can no longer do business with you use a different bank with no reason why that is which was weird? For something I wasnt responsible for in my possession I didnt have access to the check and ever since then I had to switch bank to XXXX  what I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Contacted XXXX XXXX on XX/XX/XXXX about the " affected by natural disaster '' code that is coming up on my credit report. As of XX/XX/XXXX, I have resumed regular mortgage payments and the account is current. This request was denied on 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 non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I took out a loan with Tripointe Connect, a Loan Depot company. Due to an issue with my insurance agent, I had to use their affiliated loan company to close the mortgage on time. I was assured it wouldnt be an issue to switch insurance companies after the closing. Our mortgage closed on XX/XX/22, and we used the affiliated insurance company ( Tripointe Advantage ). I transferred to a new XXXX XXXX agent, and provided proof of a new homeowners policy on XX/XX/22. I have copies of the emails to our mortgage provider showing receipt and acknowledgment of the request of remove the monthly impound and that we canceled/changed our insurance carrier. I also spoke to a different Loan Depot employee on XX/XX/22 to confirm the removal of the insurance impound and to update my insurance policy information. Loan Depot refuses to remove the monthly insurance impound from my mortgage loan even though they acknowledged that the policy is no longer valid and they were informed it needed to be removed on XX/XX/22.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: KY

Complaint narrative:
I had gotten behind on my payments and they offered me XXXX options for repaying. The first option was I close the card and have a XXXX % interest rate adn set up payments I could afford to repay. 
The second option was to have a reduced interest rate for 18 months, I picked a payment I could afford and they would suspend my card but leave open, after 6 months of consistent, on time payments they would remove the suspension. 
I chose option XXXX as I wanted to keep the card. After making about 13 months of payments on time I learned that they had closed my card prior to me choosing the plan and it therefore should not have been an option. By offering it to me the company committed Fraud in that it took money from me that I would not have owed if they would have only offered me the first option. 
After making the 18 months of payments I stopped paying the company because of their unfair practices. They have now filed a lawsuit against me for the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to Transunion, XXXX, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # 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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
I am a living soul otherwise called a XXXX by XXXX. The constitution declares and protects my rights to privacy. That's in the XXXX Amendment : My rights to be left alone and my rights to privacy. I did not give you permission or written consent to furnish the below information. I have been reaching out to XXXX, Experian, XXXX when I noticed the defamation of character accounts listed below. I have notified these companies about the unlawful and unfair practices and violations being done to me. Theses accounts are affecting my creditworthiness and my ability to be expanded credit. please remove theses account and discontinue furnishing theses accounts immediately. 
Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX Account # 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 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I wrote Trans Union and XXXX letters stating the bankruptcy is incorrect. They sent me letters stating that it is correct according to XXXX XXXX. XXXX XXXX sent me a letter stating that they couldnt verify the bankruptcy and they removing bankruptcy from there file. I enclosed a copy of XXXX XXXX letter with my last letter and trans union and XXXX  and they still have the items listed on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Innovate Managed Holdings, LLC
State: FL

Complaint narrative:
my account is paid in full, it was closed on XX/XX/XXXX with a balance of {$0.00}, on XX/XX/XXXX it had a balance of {$10000.00}, due to an accident the vehicle was totally lost, the insurance made a payment of {$7100.00} and the GAP coverage that was purchased and is in the terms of the signed financing contract is responsible for the difference of the pending balance of the financing and Additionally, your Loss Mitigation XXXX XXXX XXXX contacted me on XX/XX/XXXX to notify me that despite the insurance payment and GAP coverage, I still had an outstanding balance of {$800.00} and sent me an email with the address where I had to send the cashier 's check to be able to close my account with a {$0.00} balance, which was prepared on XX/XX/XXXX for {$800.00} and was sent to your facility and delivered on XX/XX/XXXX via USPS tracking # XXXX I don't understand how 3 years after they closed my credit, they reopen my account on XX/XX/XXXX again with a negative balance of {$4800.00} damaging my credit and causing me great economic damage, after calling several times I was able to prove that they received, they cashed the check and updated the balance to {$3700.00}, which is a big mistake because if you add what the insurance paid {$7100.00} plus the GAP coverage that is in the loan contract and stipulated in the Annual APR, plus the {$800.00} that they are sent in a cashier 's check, I do not have any type of negative or pending balance with you, I need to solve this problem as soon as possible since he always fulfills all the responsibilities stipulated in the contract. 

I have communicated with INNOVATE LOAN on several occasions through phone calls and emails during these months every week without getting any response from them, they have to verify my account and read all the notes left by their specialists of all the calls that He specifically made the calls and notes from his Loss Mitigation XXXX XXXX XXXX, who was the one who contacted me and provided me with all the information to be able to close my account with a XXXX balance. 

Thanks to a complaint that I made through the CFPB website ( Consumer Financial Protection Bureau ) last year on XX/XX/XXXX I was able to have the company INNOVATE LOAN contact me on XX/XX/XXXX to inform me what they had done a error and they would remove all the wrong information from my credit report and email me clarifying this problem, then again this year on XX/XX/XXXX I receive a new notice from my credit notifying me that the company INNOVATE LOAN once again informs my credit that I have a negative balance owed of {$3700.00} with a comment of " COLLECTION / CHARGEOFF when it is false information that causes me great economic damages since they have damaged my credit again with a new attempt to collect a debt already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, someone who is not me was able to open up a credit card under my name, email and home address. They spent over {$200.00} at Children 's Palace. I received an email of these charges and notified Children 's palace in which they cancelled the order. I had just changed phone numbers in XXXX XXXX XXXX because I was constantly getting spam messages, emails and calls. Then i received an alert from XXXX XXXX that a new line of credit had been added. I HAVE NOT HAD AN OPEN CREDIT ACCOUNT SINCE XXXXI was able to sign into the online account of Childrens whatever because they signed up with my XXXX and old phone number. From there I was able to see the name and address of criminal who is impersonating me and using my credentials to open accounts. i have reached out to all three credit bureaus and put a freeze on them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
Thanks, I spoke with a rep at Mercedes Benz Financial at the beginning of XXXX to make my payment for XXXX. The reason I called was my bill was significantly higher than usual. I asked him point blank why was my bill so high this month and after XXXX mins on hold he came back and said I'm not sure actually because you made all your payments on time for the last XXXX years and the lease ends next month and don't see a reason for it at all. So after further review he found out that there was XXXX months from the beginning of the lease that were in deferment during covid when my mom was in the hospital XXXX. So the man said to me on the phone " JUST PAY THE MINIMUM DUE RIGHT NOW ' {$670.00} and the XXXX month when you were in deferment can be paid when you turn your vehicle in to XXXX. I replied great thanks for your help. 

Now after making my XXXX payment of {$670.00} I find out by logging into my credit report that they put a late payment on my credit for the XXXX months of deferment. This is BS and I tried very nicely to tell the manager that I would be filing a complain and fighting this tooth and nail until they click a button in E-Oscar and remove the late payment that " THEIR REP ON A RECORDED LINE SAID THAT I DIDNT NEED TO PAY UNTILL I TURNED THE VEHICAL IN " I made XXXX months payments on time and have a XXXX XXXX XXXX. I have never missed a payment on my credit and it is certainty not because I forgot to make a payment or didn't have the funds to pay it. Please help this means the world to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16 00:00:00
Product: Credit reporting, credit repair services, 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: NJ

Complaint narrative:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including XXXX XXXX XXXX. regarding " LATE PAYMENTS '' Regarding XXXX XXXX  # XXXX The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. Any further contact regarding LATE PAYMENTS by you, GREATER XXXX # XXXX your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. Task that you respect my consumer rights.

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