vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: NY

Complaint narrative:
on XX/XX/2023 i contacted XXXX XXXX through customers bank because i noticed my account was overdrawn after my check just went in. after speaking to numerus found out there was a XXXX hold on my account. i informed them it was fraud and i did not authorize it. i asked if they could put a stop payment on it and they said no. i then asked for who the charge was from and they could not tell me any information minus it was a bank to bank charge. they tell me now i have to wait 1 to 2 buisness days for them to figure it out and find out who it is. i cant file a police report with out any information. they wont release back the funds.

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 2023-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This is a debit owed to XXXX XXXX XXXX  for unit # XXXX, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX under my name for the amount of {$1600.00}. 
Account opened XX/XX/2023 and is now past due as of XX/XX/2023. 
They have used my name, DOB, and social security for this. They also were able to unfreeze my credit with XXXX Credit bureau. 
I have not received any letters or communication regarding this inquiry because they falsified all their information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ

Complaint narrative:
I have previously filed complaints about rushmore llc and this company does not respond to the issue at hand and my complaints are closed after the response from rushmore.I am enrolled in the state of new jersey erma program that pays the arrears to get mortgage caught up and assistance in keeping my home.The program has requested arrears payment amount and rushmore lllc continues to not provide this information in a timely basis.This is a predatory tactic to not accept payment either to foreclose or offer a high refinance option on which i had been denied several time through this mortgage servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/2023 I applied for credit with KIA FINANCE and was denied. This is a violation of Equal Credit Opportunity Act which is codified in CFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a KIA XXXXXXXX XXXX fully loaded.

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 2023-03-31 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: IL

Complaint narrative:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXX XXXX account number is XXXX. In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
The website and application of Bank of America is designed in a manner that lacks transparency and appears intended to cause consumers to accrue interest. It is an intentional design choice, i.e., a " dark pattern. '' Specifically, unlike most other credit cards, Bank of America 's card does not provide or display the consumers ' " Remaining Statement Balance, '' nor offer when making a payment for a consumer to select a choice to " Pay Remaining Statement Balance. Thus, if consumers make small or multiple payments in the course of the month -- anything other than one lump sum payment per month -- they are generally unaware if the amount of payments made were enough to avoid accruing interest, unless they go to the trouble of tracking their payments made throughout the month. I can imagine many consumers aren't doing that.

In the attached image, you'll see in the " Make Payment '' screen options that include : - Statement Balance : {$2500.00} - Current Balance : {$2600.00} - Enter Your Own Amount.

To understand how confusing the bank 's user-interface is, you should know that when these payment options were displaying, there was no Remaining Statement Balance, as it had already been paid. Again, I know that only because of my own record-keeping.

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 2023-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have attempted to do a lease buyout of my vehicle through a dealership. After getting the payoff and submitting those checks I come to find out there was a shortage so per Ally 's request i sent in that shortage. All this started late XX/XX/XXXX early XX/XX/XXXX. Come several months later now XX/XX/XXXX I call to find out what the delay is as the dealership that made the pay off check has not received title yet, Ally tells me they can not accept the check?! this is after 3 months they decide to tell me this! And only found out because i called they did not reach out. It has been WEEKS now and anytime i call in to get this resolved i am forwarded and forwarded to a different department. Nobody seems to be able to help out or know how to deal with matter. now XX/XX/XXXX it seems it has been assigned to a gentleman named XXXX XXXX or XXXX in the lease buyout department which can be reached at XXXX option XXXX whenever i call Ally tells me i can not speak directly to the person in charge of my case and i have to wait for a callback... it has been months and during this entire process i have never once received a call back i always have to call them and ask for an update which they can never give me. Also when i call the supervisor always seems to be on break and when i wait for the break to be over they are gone for the day. For example i called yesterday XX/XX/XXXX and XXXX was on break for 15 minutes from what i was told i waited those minutes and called back only to find out he left for the day... why wasnt that communicated with me when i was on the phone with the agent. Today i call and ask for a manager or supervisor and i have been told they dont work today... again why wasnt i told that yesterday when i told Ally i would be calling back today. All i get is the run around and they never fulfill with their promises of calling back and at this point it has been 3 months and ( 1 ) there is a check lost for {$45000.00} which they claim they sent to a chase bank but when i visited said bank, the bank said they never received it. ( 2 ) there is an outstanding balance on this vehicle that should have been paid off by now and title released. After all these months of battling they are letting me know that a possible resolution would be to start over and submit new payoffs BUT AT A NEW QUOTED PRICE THAT WILL INCLUDE FEES, INTEREST AND A LARGER PAYOFF ALL BECAUSE ALLY BANK FAILED TO HAVE ANY COMMUNICATION, PROCESS A PAYOFF CHECK FROM A DEALERSHIP AND NOW LOST A SUPPOSEDLY REFUNDED CHECK.

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 2023-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I wanted to buy a drone. I found a guy on XXXX XXXX and instead of buying the drone on there we agreed to go on XXXX. I sent him {$570.00} under the protection and then the money said it was not sent. It said money was not charged because his account was new but the money eventually was given to him and I never received money. XX/XX/XXXX is when the money was posted. XXXX didnt do anything about the issue. I recovered the money back from BMO and we agreed to go on XXXX. I made two payments. One for {$300.00} and the other for {$250.00}. He sent me fake XXXX information and never sent the drone. I lost {$550.00} from the XXXX deal. BMO gave me {$570.00} but today I look and they declined the dispute for that money.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank continued to charge XXXX XXXX  monthly fee since XX/XX/XXXX to my checking account, until the balance went to XXXX, then they started to charge overdraft fee, and finally they started to collect the money total at {$79.00}. I was not aware this until I received their collection letter because my account was initially opened with XXXX XXXX, then XXXX XXXX  sold it to XXXX XXXX XXXX XXXX, then sold to Truist Bank. 

I called the Truist Bank and they offered a settlement of this debt. In their letter dated on XX/XX/XXXX, they state " Truist Bank, formally known as Branch Banking and Trust Company is willing to accept a settlement of {$59.00} ''. On XX/XX/XXXX, I sent a check of {$59.00} to Truist Recovery Department listed on their Settlement Letter. 

However, on XX/XX/XXXX, Truist Bank Default Recovery Department sent me a letter asking to pay again the Balance {$79.00}.

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 2023-03-31 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX  Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # XXXX XXXX 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.

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 2023-03-31 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of EdXXXX Account # XXXX XXXX Dept of EdXXXX Account XXXX XXXX, Dept of EdXXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account XXXX XXXX XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, Reference # XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2022 and 60 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-03-31 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: IL

Complaint narrative:
On XX/XX/2023 I asked 3 credit bureaus to verify my information and they did. I researched and found improper inaccuracies on my 3 credit reports after they completed their thorough research. The account name is XXXX XXXXXXXX account number is XXXX. 
In accordance with Fair Credit Reporting Act XXXX account number XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have a hard inquiry from capital one back from 2022. The account was removed from my credit report but for some reason the hard inquiry remains. I need this hard inquiry removed asap. From capital one to all 3 major credit reports. The account was opened fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: TX

Complaint narrative:
Wise without any reasons have closed my account. They did not want to give a specific reason why they did it to me. I am starting my small business and clients are starting to learn my financial institution with them. Unfortunately, they closed it without any reasons or advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 2023-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
To Whom it may concern, Since XXXX, XXXX 2023 I have been attempting to dispute some negative, inaccurate remarks on my credit file. 
In doing so I have adhered to all requirements that are required to open a dispute with Equifax. 
I have mailed this company dispute letters including three forms of ID verification also including the required address verification and yet this company has illegally refused to open investigations. I have attached the dispute letters that I have mailed to them, along with each form of ID. This company had blatantly ignored every dispute request that has been sent to them.

Even the credit repair company who drafted up my dispute letters have mailed this company " along with dispute letters '', a Credit Dispute Authorization Letter in which plainly identifies the company and clearly has my signature and Ip address on it which verifies my authorization for this company to dispute on my behalf.

There is no legitimate reason for this company to reject my dispute letters. I also have attached screenshots directly from their website that clearly state their Identification requirements, and this proves that I followed correct protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Scranton Recovery Group LLC
State: TX

Complaint narrative:
I have been receiving text messages from the company Scranton Recovery Group ( SRG ). The text messages are coming from a number listed as XXXX and states " Person 's Name you have ignored our chance to locate you, this is a time sensitive matter. Call XXXX file # XXXX. 'STOP ' to opt out. '' I have already opted out and the person listed is not me so today ( XX/XX/23 ) at XXXX, I decided to call into the number and ask who was contacting me. The representative would not advise me the company name, continue to talk over me repeatedly just saying the same phrase over and over again and that he was not going to tell me any information because i was over talking him and that he needed a notice number. Finally he said that was with a company called SRG, when I asked for him to elaborate because I couldn't find it on XXXX he continue to talk over me and I was so frustrated I told him to get XXXX himself. He was over talking me and would only repeat what he had already said and would leave XXXX room for me to speak or respond and when I would get a chance to respond he would immediately jump into talking over me and telling me that he didnt have to provide me his name or the elaborate on the business information for me to submit a letter in writing to remove my contact information from their company since I am not that person. It doesnt state they are a debt collection company in their text message, the representative never disclosed they were a debt collection company, he refused to provide me with any information on the company. Luckily I was able to locate the company name after replying STOP to the phone number that sent me the message again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: GA

Complaint narrative:
The credit reporting agencies keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) XXXX and Transunion said everything was complete and accurate and I asked them how if the balance is wrong? XXXX is reporting a balance of {$3400.00} and Transunion is reporting a balance of {$3400.00}. 

Also, XXXX is reporting the account as open when it is a collection account. Collection accounts from debt buyers can not be open. 

Then I asked them to provide me with a description of the investigation in accordance with 15 USC 1681i ( 7 ) and they never did. I have proof via the previous dispute that was filed through the CFPB to the credit reporting agency.

Also, according to 15 USC 1681 s-2 A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

This is violation after violation. This is causing me stress because I have no hope in this credit reporting system. 
Failure to comply will force me to pursue actual damages against the credit reporting agencies. I have proof of these damages and will seek legal counsel if necessary.

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