vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The accounts identified in the attached file are a result of identity theft and do not relate to any transactions made by me. The identified accounts also contain information solely as to transactions or experiences that should be excluded from any consumer 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 2023-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: FL

Complaint narrative:
'm being approved for the XXXX Assistance funds for XXXX futures mortgage payments. This is a federally funded and regulated program - overseen by the XXXX Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX payment are past due because they aren't applying the payments on time. They send me a letter letting me know that I'm past due but in reality, I'm not because they had my monthly payment the problem is that they are holding it back. It's a nightmare every month dealing with late fees that are unfair since the payment arrive on time. Last month on XX/XX/XXXX after multiples calls and emails, they posted the XXXX payments for XXXX and XXXX after they email back with the following explanation. The checks never came to XXXX and were instead applied by payment services as the loan was current. We thought that the payments we were seeing for those dates were paid by the borrower as we never saw the checks. The XXXX achs I have just applied the amounts to the XXXX on XXXX XXXX loan. They should show in the XXXX by Friday the XXXX. This should hopefully clear up everything that was missing on this loan. This is so frustrating because they cashed the checks but not apply the payment to the mortgage loan. And charged late fees when in reality the checks get on time to the company. I spoke with the contact from XXXX, and she sent me the following, XXXX XXXX We show both payments made. XXXX was paid on XX/XX/XXXX, and XXXX was just paid on XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX Paid XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX if they are sending the payments on time, it is taking more than a month to be applied in my account???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I received a letter from my loan servicer ( Loancare ) saying that I didn't have insurance and needed to update my insurance information with the servicer. This did not make sense because my insurance is supposed to be paid from the escrow account by the servicer. My initial insurance term was for one year XX/XX/XXXX - XX/XX/XXXX. The loan servicer did not even make the payment out of my escrow account for the next year until XX/XX/XXXX, so it was late. Now the servicer is saying that there was a lapse in my insurance coverage from XX/XX/XXXX - XX/XX/XXXX that they are trying to charge me for - I attempted to call the provided number to get clarification on this and it is completely automated with no option to talk with a human being. It does not make any sense that there would have been a lapse in my insurance because I should have been covered for a full year. Additionally, it is the responsibility of the servicer to make payments out of the escrow account which the servicer clearly did not do and now they are trying to charge me additional funds for their mistake and are refusing to provide me an explanation. It is absolutely unacceptable for the loan servicer to charge the home owner for their mistakes and the lack of transparency and inability to reach a human being is ridiculous.

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 2023-01-09 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: AL

Complaint narrative:
I am concerned there may be an account on my credit report that was not authorized by me to be obtained. The company XXXX XXXX XXXX XXXX XXXX XXXX shows an account on my credit report.. I am requesting the signed disclousure statement/contract that shows my signature as a result of this debt that could be upheld in the court of law that this debt is validated by me. If such document can not be provided, this accould should be deleted 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 non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sent me an invite to sign up for a business checking account with a sign up bonus of XXXX XXXX  Reward Points sometime before XX/XX/2022. I started to fill out the application but I never hit the submit button and just closed my browser and decided against it. On XX/XX/2022, I saw the sign up bonus went up by XXXX to XXXX points. I went into the American Express web site and click on a link with the XXXXXXXX XXXX sign up bonus, I filled out everything and met all the requirements for the bonus. However, American Express only credited me with XXXXXXXX XXXX bonus points. They claimed that I started the application with a link that only qualified for XXXX XXXX points even I never submitted that application. And they refuse to credit me with the missing XXXX points even I submitted the application under a link I clicked on their web site that clearly stated the bonus was for XXXX points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XXXX XXXXXX/XX/2023, I made an in person deposit of XXXX CASHIER 'S CHECKS INTO MY XXXX TRUST ACCOUNT ( XXXX ACCOUNT ) WITH BANK OF AMERICA IN XXXX XXXX, NEW YORK. XXXX CHECK WAS XXXX AND THE THE OTHER XXXX. After I left the bank, I checked my account online to see when the funds would be available. It stated that the funds would not be available until XX/XX/2023 AT XXXX XXXX. ( SEE ATTACHED PRINT OUT SHOWING THIS INFORMATION ). I HAVE ALSO ATTACHED IMAGES SHOWING BOTH CHECKS ARE CERTIFIED CHECKS, XXXX FROM XXXX BANK AND THE OHTER FROM XXXX. I CALLED THE LOCAL BRANCH WHERE I MADE THE DEPOSIT AND SPOKE TO A MANAGER, XXXX XXXX, WHO STATED THAT IT IS NORMAL FOR A CERTIFIED CHECK TO BE HELD FOR THAT LONG FOR VERIFICATION PURPOSES. I EXPLAINED THAT WHAT SHE STATED WAS NOT LOGICAL SINCE THE CHECKS WERE CERTIFIED. SHE STATED THAT SHE COULD NOT LOOK UP MY ACCOUNT WHILE TALKING TO ME ON THE PHONE AND TOLD ME THAT I SHOULD CALL CUSTOMER SERVICE. I THEN WENT INTO THE BRANCH AND MET WITH XXXX XXXX IN PERSON. SHE EXPLAINED THAT SHE COULD NOT REMOVE THE HOLD FROM MY ACCOUNT BECAUSE IT WAS PLACED BY " BACK OFFICE '' AND THE BRANCH HAS NO CONTROL OVER THAT. WHEN I QUESTIONED WHY IT WOULD TAKE SO LONG TO VERIFY A CERTIFIED CHECK, SHE PROCEEDED TO OFFER THE SAME GENERIC EXPLANATION THAT CERTIFIED OR NOT, IT IS A PROCESS TO VERIFY AND SHOULD HAD NO ADDITIONAL INFORMATION. SHE CALLED THE " BACK OFFICE '' AND SPOKE TO SOMEONE IN MY PRESENCE BUT IN THE END COULD NOT TELL ME WHY THERE WAS A HOLD ON MY ACCOUNT WITH THIS PARTICULAR CHECK AND IF THE HOLD WOULD BE REMOVED PRIOR TO XX/XX/2023. BOTH SHE AND THE PERSON WITH WHOM SHE SPOKE STATED THAT IT WAS PERFECTLY NORMAL THAT IT WOULD TAKE XXXX  DAYS TO VERIFY A CERTIFIED CHECK. WHEN I STATED THAT WHILE I UNDERSTAND THAT ALL CHECKS MUST BE VERIFIED, IT SHOULD NOT TAKE XXXX DAYS FOR CERTIFIED FUNDS, ESPECIALLY IN A TRUST ACCOUNT, TO BE AVAILABLE, SHE STATED THAT SHE WOULD LOOK INTO IT AND GET BACK TO ME BUT HAD NO OTHER EXPLANATION THAN A GENERIC ONE ABOUT VERIFICATION OF FUNDS AND CONCERN THAT A CERTIFIED CHECK COULD BOUNCE. I THINK BANK OF AMERICA PLACES LENGHTY HOLDS ON CUSTOMER 'S FUNDS TO USE FOR THEIR PURPOSES. THE MONEY BEING HELD BELONGS TO MY CLIENT WHO NEEDS IT FOR OTHER PURPOSES. IT IS ALSO ODD THAT ON XXXX  AFTERNOON DURING BUSINESS HOURS THAT THEY COULD NOT LOOK INTO THIS PARTICULAR CHECK, WHICH IS CERTIFIED AND PROVIDE INFORMATION SPECIFIC TO THIS TRANSACTION. ALL THESE THINGS ARE DONE ELECTRONICALLY.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
There were Fraudulent transactions on an PNC Checking Account I had last year. My account was unknowingly compromised from someone I DO NOT know which a check for $ XXXX as result I closed my Account by calling PNC Customer Service to stop further activity! NOW Im currently in debt of that amount and Im in XXXX XXXX & Its XXXX things I want to accomplish and have been trying to but can as result of this which I cant afford to pay and feel I shouldnt if I didnt or dont have an idea who may have submitted this Item without my knowledge!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am in receipt of my dispute results with your company through the medium of mail. I disagree with your findings. My credit report is to be fair across all three major credit reporting agencies as result you will come into compliance with XXXX findings that will be attached to this complaint.

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 2023-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: DE

Complaint narrative:
I applied for a refund of {$10000.00} for student loan payments made during the XXXX payment pause in XXXX, XXXX. At the time, my loan servicer was XXXX. I followed up with XXXX multiple times in the months of XXXX and XXXX and was told my application was pending. In late XXXX, XXXX I received notification that my loan was being transferred to Aidvantage. I have tried multiple times to register for my account on Aidvantage since then. When attempting to register my account, the Aidvantage system is telling me " account not found ''. I called Aidvantage in XXXX and XX/XX/XXXX and was told that they could not find my account either time. I was told in XXXX that it could be XXXX, XXXX before I received account information. As of today, XX/XX/XXXX, I have not received any correspondence from Aidvantage about my account other than a confirmation that they received a complaint filed. I also am not able to register on the Aidvantage website and still get the " account not found '' message. At this point, I am not sure if my application for a refund is even still active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX Have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX Have all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP
State: PA

Complaint narrative:
KeyBank will not close out a checking account that was opened online at their institution using my stolen identity resulting from a fraudulent XXXX  unemployment comp claim during the pandemic after my numerous attempts contacting them to have it closed out. I am still getting statements on this account I never opened. It does show a XXXX  balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am hereby issuing a formal complaint against Truist who acquired BB & T and my XXXX account, which is tied to an investment account. Given that I have been in good health and have not had the need to use my XXXX account in the past XXXX  years Truist has decided to close the account # XXXX on or about XX/XX/2022. This account closure was due to Texas Law ( according to Truist ) and the funds were sent to the Texas XXXX of Public Accounts. Truist only closed the XXXX account ( ~ XXXX} ) and not the associated XXXX investment account ( ~ XXXX ). As such I am now in a position where I can not access the XXXX investment account given the closure of the Truist XXXX account as they were tied at BB & T. 

I am asking the CFPB to step in as I believe Truist to not be acting in my best interest as the fiduciary for my XXXX and XXXX investment accounts.

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 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Related to Amex XXXX account ending in XXXX Amex pressures consumers to enroll in XXXX XXXX XXXX. I was told by multiple reps over the last XXXX months to enroll. They encourage with a no interest offer. 

I enrolled because they badger me so often and tell me that as long as I pay my balance in full I won't pay any interest ( lie ). 

I then realized in the beginning of XXXX that I was in fact charged interest because they just made my statement balance due as XXXX} and they put all my purchases in a special XXXX XXXX XXXX balance that incurs interest. Fine. No problem I get they're trying to make money even if I think it's morally wrong I don't decide things. So I call and I explain the situation and have XXXX XXXX XXXX turned off and ask for the fee to be refunded. They say they'll do it. Great. 

But then I check my balance again today and XXXX XXXX XXXX  another XXXX XXXX XXXX fee even though I paid my balance in full. Now this is just XXXX. I will call again but deceptive marketing is XXXX thing. This is XXXX. If I'm being treated this way and I'm fully comfortable calling and making a fuss I can't imagine how they're treating XXXX and XXXX income people that don't feel as comfortable calling and speaking with a large fortune XXXX company. We need to hold these companies accountable and Amex has gotten away with stuff like this for too long.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
through my bill pay account I have XXXX TD Bank credit cards XXXX is XXXX, and the other is XXXX. 
XXXX different account numbers, I instructed to Pay the XXXX account they applied it to my XXXX account different account numbers. 
I call and asked to have it applied to the other account the request was denied and the bank agent was rude. 
I asked to reverse and send put the money back in my account so I could pay the right ac count. 
they will not do it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
The Debt Collector is in communication to collect debt when there is no contract that I signed for them to access my information or the company to collect any debt at all. I need the company to stop all communication efforts as they are in violation of my consumer rights. I need the company to XXXX under penalty of perjury you were present during the alleged debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax, XXXX, XXXX are all reporting improper information. I also believe I am victim of identity theft and/or data breach. My credit scores and reports have been compromised because of it. I tried Disputing with the comoanies directly and thing were not properly handle. 

Hard inquires i didnt authorize : 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 2023-01-09 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX  : # XXXX, XXXX : # XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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