vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
I bought my leased vehicle from XXXX XXXX in XX/XX/2022. They sent me the title in XX/XX/2022 with the wrong mileage written on the back. They more than doubled the mileage that was on the car and what was written on the odometer disclosure statement originally submitted to them with the car payoff. I immediately contacted them to make them aware that they wrote the wrong mileage and they were supposed to send me a notarized affidavit of correction and a notarized NJ XXXX odometer disclosure statement so I can title and register the car in my name as required by NJ XXXX. They sent me XXXX XXXX, again with the wrong mileage! I have spoken to numerous agents and supervisors. No one seems to know what they are doing. I have spent over XXXX hours on the phone fighting with them for what is rightfully mine since XXXX!! I have a new car loan with Bank XXXX XXXX and they are hounding me for the title since they are the lienholder. I have a car sitting here that I paid for that I can't register in my name and the current registration is expiring at the end of the year. This is unacceptable from a huge corporation. I never expected this to be such a hassle. There are hundreds of complaints against them on the Internet for titling issues.

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
At this time, as in all other times, TransUnion has once again, blocked me from obtaining access to the information that they have on me. I continue to get my attempts denied. I have changed my passwords over and over and over again, and TransUnion continues to change my password, or deactivate it. When presenting me with a number to call, that number always leads to a person with a language barrier to English only to result in that person placing me on hold only to hang up. When a person honestly gets your explaining narrative wrong, and you have to respectfully repeat yourself, that is counterproductive. As a result of this, TransUnion blocks me from obtaining a free annual report, and accessing the information so that I can submit disputes. I am attempting to file a dispute against XXXX XXXX for fraud, and I can not do that unless TransUnion allows me unfettered access to the information.

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 2022-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: WA

Complaint narrative:
On XXXX XX/XX/XXXX I received a demand payment notice regarding account number XXXX dated XXXX XX/XX/XXXX from Unifin collections agency for an unpaid XXXX XXXX debt of {$1800.00}. 
When calling the company, the female debt collector stated the account was attached to my social security number. I demanded to know how did XXXX gain access to it and personal information since there was a security freeze put on my credit files in XXXX, and another one put into place in XXXX after reporting identity theft in XXXX of that year. I stated that someone had used my personal information to open a XXXX account and then created a bill in spite of the security freeze placed with all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: CA

Complaint narrative:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX  XXXX {$120.00}

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these XXXX Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these XXXX Inquiries be removed from my credit report expeditiously.

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 2022-12-16 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: NC

Complaint narrative:
I sent letters to Transunion and XXXX on XX/XX/2022 regarding unauthorized inquiries and they have not removed them. TransUnion disregarded my letters because they thought a third party was sending letters out when it was me who wrote and sent my letters out. XXXX removed a few inquiries but did not remove all of them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: IL

Complaint narrative:
I own 2 properties, a XXXX and a parking spot under 1 mortgage. I refinanced in XX/XX/XXXX. In XXXX of XXXX my servicing and escrow was moved to XXXX 

In early XX/XX/XXXX I received a final notice on unpaid property taxes on my parking spot, and was notified I could lose the property in 30 days if not paid. I paid the tax bill and penalty on my own. Today I saw the property taxes for this property were removed from my account XX/XX/XXXX. When I inquired with XXXX  customer service insisted they were paid correctly. I then got on the phone with the city of XXXX treasurer customer service who confirmed they received my payment but not from XXXX. Then after a second phone call XXXX  customer service agreed they had not made the payment with the funds made from my account. Another payment was made from my escrow XX/XX/XXXX for property taxes due XX/XX/XXXX but I have no way to confirm if its being made correctly until its too late. I found customer service to be evasive and unable to remedy in an appropriate time frame. It is unclear why these payments were not made to begin with but I would guess it has to do with when my account was moved. 

Additionally my monthly payment has moved from XXXX to XXXX dollars this month. Between XX/XX/XXXX and XX/XX/XXXX my XXXX dispersion has moved from XXXX to XXXX, with the additional dispersements in new line items that can not be explained by customer service after I spoke on the phone with them this afternoon. This may be correct ( I don't think so but I'm not certain ) but they are unable to explain the increase and given previous errors i must now insist on full explanations for all these projections There have been other issues with XXXX that I am bringing up now. I have been unable to access tax documents on a computer due to website issues. I've tried multiple computers and tablets and multiple browsers. They insist its not an issue because I can get them on the app.

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 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
At the beginning of XXXX, BANK OF AMERICA closed my checking account and placed a hold on the {$5600.00} in the checking account, they said they would audit the funds, but XXXX months later, the audit has not been completed and I need the funds to survive!

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 2022-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
In XXXX of 2022 Freedom mortgage sent me a notice of an escrow analysis that was incorrect trying to raise my payment another {$150.00} they said the tax escrow was wrong .... we had the same problem last year I filed a complaint then and I'm filing another one now... When I first did my refinance my payment was {$820.00} then it went to XXXX then it went to XXXX now they're trying to say I owe {$1000.00}... 
the first year they did my refi they only put in half my taxes in an escrow account so of course that makes it short... .their fault not mine... 
now they put in my taxes three times and of course that makes it short... 
I tried to get them to correct this and instead of taking out the one in XXXX they took out the one in XXXX which means there's a payment in XXXX and XXXX which is incorrect .... 
when they finally got it corrected as to XXXX and XXXX they had the amounts wrong ... .. in XXXX XXXX the first payment is smaller then the second payment... I have been calling them and dealing with them redoing the escrow since XXXX .... 
all the while they put things in as partial payments while they charge me interest and all the while they report to the credit bureaus that I'm late and tank my credit rating .... On XX/XX/XXXX I received my new tax rate bill from XXXX XXXX Wisconsin and it was less than what their estimated escrow was ... .I called them and reported it and ask for yet another escrow analysis .... probably about the XXXX time... 
I will wait to see if they did it correctly otherwise I will complain again...

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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these Hard Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these Hard Inquiries be removed from my credit report expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I just recently reviewed my credit report for the first time and notice a bunch of unauthorized Hard Inquiries. I did not authorize these Hard Inquiries nor do I know how they are on my credit report. I have filed a indentity theft on identitytheftgov and I have attached it to this complaint and i'm requesting that these Hard Inquiries be removed from my credit report expeditiously.

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 2022-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Savings Group, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I had requested a Rate from Rate Genius. It was not clear by requesting a rate that a hard pull would result from my request. I was under the impression that I was only getting a preapproval. 

On XX/XX/XXXX I got a notification from XXXX XXXX that my credit was pulled which resulted in a hard inquiry. 

Informed XXXX XXXX at rate genius who informed me that on XXXX XXXX there was a check mark that I needed to click if it was ok to do a hard pull. Informed him I wanted the inqury removed because I was just looking for a preapproval. He refused. 

All I wanted was a preapproval not a total approval. I was just shopping rates... not looking to close which is further evident that I did not upload the required documents for a full quote on their website ( Proof Of Income etc ) How could they pull my credit without having all the facts?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to dispute an address that I believe to be a part of litigation in identity theft from a breach in 2017. And according to this they are not taking the proper step under the FCA to investigate, accurate information as well to withholding proof on how the information was obtained, re-adding previously deleted information, unwilling to verify an address, place on account through identity theft or fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After extensive review of my credit report, I noticed there are errors on my credit report. My consumer report will be in accordance with the written instructions given by me and I demand my report to be updated accordingly. I am aware that accounts placed for collections or charged to profit, and loss shall be excluded from my consumer report, as a result, I have not received a 1099-c from furnishers, so that I may file this charge off as income. Due to the negligence of data furnishers and Experian, I will be filing a form XXXX of this fraud with the Federal Trade Commission and XXXX XXXX XXXX XXXX XXXXXXXX concerning the tax fraud. The companies have reported fraudulent activities on my consumer report when all these accounts were prepaid the moment, I gave the company my application with my signature. My consumer report does not include a report containing solely as to transactions or experiences between the consumer and the person making the report. I know of no late payments on any of these accounts. 
I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to my knowledge.

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 2022-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Mr. Cooper took over as loan servicer for my mortgage beginning XXXX of 2022. Since then, they have been fraudulently withdrawing money from my checking account through XXXX transfers. I have never authorized any XXXX transfers to Mr. Cooper. They said they " transferred '' the XXXX I had established with the previous loan servicer but charged me a different amount. On XXXX they withdrew {$1500.00} from my checking account and applied it to the mortgage payment. They also withdrew an additional {$620.00} and applied it as additional principal. I never authorized this amount, with Mr. Cooper or with my previous loan servicer. 
On XX/XX/XXXX they made an additional XXXX transfer from my checking account in the amount of {$2100.00}. {$530.00} of that payment was applied to interest which did not accrue on the account as it was just paid in full 10 days prior.The rest was applied to escrow and principal. 
When I received notice of the XXXX withdraw, I contacted Mr. Cooper through their online chat. I informed them of the XXXX transfer, that I never authorized this, that my account was already paid in full, and the payment needed to be cancelled. They refused and told me I need to wait for the payment to clear my account and then request a refund through the supervisor. I did this today, XX/XX/XXXX, was told I needed to submit proof of the payment clearing my account and I sent proof of that transaction from my bank account statement. I was then told that was insufficient and that they needed to see my account balance to show it isn't negative. Mr cooper has no right to demand I share my private financial data with them before returning funds they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Dovenmuehle Mortgage is delaying the PMI removal process without any justification. I have contacted the company agents a number of times over the phone since XX/XX/XXXX and agents have repeatedly mentioned that I would receive a letter in the mail but I have yet to receive it. Today, on XX/XX/, I have contacted them again and the agent ( XXXX, ID # XXXX  ) mentioned that Dovenmuehle Mortgage had an internal error, he will put in a new request and I need to wait again for another 10 business days the letter to be processed. Why should the customer keep waiting for Dovenmuehle Mortgage 's internal error? Dovenmuehle Mortgage must expedite the process, send the letter and initiate the PMI process right away without any further delays as I meet the criteria for removal. Each single day of delay by Dovenmuehle Mortgage is leading to the financial implication to me as I am incurring PMI cost unjustly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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:
Hi, on XX/XX/XXXX, I tried using my credit card but it got declined. I tried using my debit card but it was declined as well. Later in the evening, I called my credit card company and they informed me that my account has been closed and that I should've received a letter about it. Upon checking my mailbox, I discovered a letter from my bank explaining the changes to the account terms. In particular, it shared the changes to the new minimum payment calculation, and the fee changes to. my cardmember agreement. I proceeded to call them again and they stated that they're not privy to any of the information regarding the closure of the account and all that they can see on the file is that it was due to unexpected activity. 

The following day, I called the number on the back of my debit card, and after 3 transfers they shared the same information : they don't know why the account has been closed but that I should be receiving a letter explaining why. 

The day after that, on XX/XX/XXXX, I visited a branch of Chase bank on XXXX XXXX in XXXX, XXXX. The staff there too couldn't offer any explanations. However, they were able to help me withdraw my funds from my checking accounts. 

Later in the evening, I finally came across the letter from Chase regarding the closure of my accounts. All it stated was that my accounts were being closed due to unexpected activity on one of my Chase accounts. I went on to call the number listed in the letter and the representative too was unable to offer any further information. After some further prodding, the representative did finally divulge that it was the bank 's global security and investigation that made the ultimate decision. 

I have sifted through my account activity for the past few months and have failed to see or detect any kind of unusual activity. This entire ordeal has been painful and difficult. I've been a client of Chase bank since XXXX and now I need to open a new bank account and apply for new credit cards. I'm not even sure how this might impact my credit score or if there might be other repercussions. I'd just like to know what happened and what I did wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: CA

Complaint narrative:
I am a social security retirement benefits recipient.i receive my benefits on a direct deposit into my DIRECT EXPRESS CARD from COMERICA BANK. I have had their debit card for almost three months and it has been nothing but problem after problem. recently they put a fraud suspension on my account and i can not use my card and my SSA benefits payment for the month of XXXX are in that Direct Express Card. Since i can not have access to my SSA benefits money that are in that card, I keep on telling them to simply cancel that card and account a mail me the funds in it to my mailing address they have in file in my account info profile. They tell me they cant. I keep on sending them identification documents and they claim they cant veryfy. this has happened twice and i just dont want to deal with them. how can i get my funds out of their card and sent to me by mail to my address on file? isn't it federal banking law that they have to send that funds to the address on file? I have heard nothing but bad comments and complaints on this COMERICA BANK known as US DIRECT EXPRESS. Need your help. My last four digits on my Social Security is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation