vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My checking account at Wells Fargo was used to make about {$1600.00} in fraudulent purchases. I submitted a claim to be reimbursed for these purchases and it was denied. I was never notified of this and I only found out by contacting them almost two weeks after the initial claim was filed. No reason was given for their decision and according to the rep I spoke to I have no other recourse at this point.

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 2023-10-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
I called in to resume payments to my loan, after receiving the MIHAF funds. The agent suggested that I applied for a partial claim. The application was submitted for the partial claim and denied. I was then advised to submit the loan modification application. I submitted the application with all of the required documentation. I have called in multiple times, requesting a supervisor call back. A supervisor by the name of XXXX or something to that effect, called me back and advised that she would research the issue and follow up with me later on that day ( that was in XXXX ). I have been calling in every few weeks requesting a status update on my loan modification. i received a letter dated for XX/XX/23 that I was offered a loan modification and that I would receive the terms of the modification within 15 days. Those documents have not been received or sent as of today 's date. I am unable to make single monthly payments on my account because of the account delinquency. When I originally called in to resume my payments back in XXXX, I was eligible to make the monthly payments and setup an arrangement for the the past due amount. I am extremely frustrated and stressed because I do not know that status of this loan modification. I have been advised on multiple occasions that a member of their leadership team would follow up with 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 explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
In accordance to the Fair Credit Reporting act XX/XX/XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance to the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my right. 

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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Hello, I have applied for Citi XXXX XXXX XXXX Mastercard on XX/XX/2023 and I was given a reference number and contact number XXXX as they need some additional information to give me a decision. I called them on the same day and the rep asked few identity questions ( Name, Dob, SSN ) and then stated that he would be sending a code to my mobile number ; that I had to read back. I have received the code and read it back to him. After that he mentioned that application was denied and stated that I would get letter with explanation ( he couldn't provide reason in the call ) and I could call back for re-consideration once I get the letter. Today ( XX/XX/2023 ) I have received letter and it states the reason for denial is " Unable to verify my identity information ''. I was surprised with this and reached customer service today on XXXX. Rep stated that they have to verify using my mobile number by sending a text, I received the text while I was reading the code back ; she stated that the mobile number is being shown as error on their side and they couldn't verify me using my mobile number. I have been using this mobile number from 10 years, and they state that I can't use it and this is the only number I have. I have asked if they can verify me differently and they have stated there is no other option. I offered them to mail or fax any documents they need, but they didn't seem to accept it. I am not sure why they can't use my number that I have been using since 10 years and this number is being used with other financial institutions. There should be an alternative way to verify identity if they can't use the mobile number with their system limitations or issues .I humbly request Citi to resolve their system issue or provide an alternative way for customer to verify the identity. 
I have requested rep to raise complaint for these issues and she gave me this complaint # XXXX for reference.

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I filed a dispute on XX/XX/23 for fraud charges total {$4500.00} and they have yet to update me or even refund the amount. Now Im responsible for this charge. And Im going to sue them if they dont refund because I didnt make those charges. I HAVENT EVEN RECEIVED THE CARD!

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 2023-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I am reaching out to express my concerns and file a formal complaint against New American Funding concerning the non-refund of {$1700.00}. These were upfront fees charged for mortgage services that, unfortunately, were not provided. 

On XX/XX/XXXX XXXX my spouse and I collaborated with XXXX XXXX, a direct mortgage broker. We were informed that an upfront payment of {$1700.00} was necessary, which was explained as fees for a rate lock and buy down. We were under the impression that these charges would cater to the expenses related to our property 's mortgage loan. 

Regrettably, New American Funding did not meet the expectations set. Despite our payment, the promised mortgage services were not delivered. We were introduced to New American Funding as the preferred Mortgage Broker by the Builder, who had promised a {$2000.00} allowance towards closing costs. We trusted their advice and made a payment close to {$2000.00}. They emphasized the volatile mortgage rate environment and suggested a XXXX lock/buy down as a protective measure. However, when we noticed decreasing rates and tried to contact XXXX XXXX, our efforts were met with silence. When we finally reached him and inquired about a rate reduction, we were presented with a policy that was not previously disclosed to us. 

Fortunately, we found an alternative Mortgage Broker who offered a significantly lower rate without any upfront fees. We believe that New American Funding 's retention of the {$1700.00}, without providing the agreed-upon services, is both unjust and unethical. Their actions have caused us financial distress and significant inconvenience. 

OCGA Laws or Statutes Violated : In Georgia, mortgage brokers are governed by the Georgia Residential Mortgage Act ( GRMA ). The specific statutes that might be relevant to this situation include : O.C.G.A. 7-1-1000 : This section pertains to the licensing requirements for mortgage lenders and brokers.

O.C.G.A. 7-1-1002 : This section deals with prohibited acts and practices, which might include misleading consumers or failing to provide services after charging fees. 

O.C.G.A. 7-1-1013 : This section relates to the duties and obligations of mortgage brokers, which might be relevant if there was a breach of duty or obligation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: CO

Complaint narrative:
My mortgage company has mistakenly paid the property taxes of a parcel I do not actually own - resulting in a debt with the City Of XXXX on my parcel that I paid with my own money. 

I have called the mortgage company since XXXX and they have acknowledged the mistake- yet as of today I have not received my money back. 

I am calling them on a weekly basis and every time the operator is surprised like the issue is completely new and takes not real action. Sometimes they claim to escalate, sometime they say they put a note on my file, another time they asked me to upload proof of payment on my side, but nothing is happening. 

I do not see the end of the tunnel and could really use some help on the matter. 

Thank you, 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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX of this year Discover Card closed my accounts after making a halfhearted attempt to contact me to verify my personal information. They sent one email which was lost in the shuffle of a very busy inbox. No attempt to call me was made and no paper mail was sent to me. Because of this both of my accounts, which had a XXXX balance, were closed by the creditor, causing a cascade of credit issues, dropping my available balances and crashing my credit score. I feel that this action was done deceitfully and maliciously. The creditor provided no relief except to apply for a new line, only to be declined for having open accounts, the same accounts that they closed! Discover, a creditor which prides itself on its customer service record, has absolutely ruined my credit which will take years to recover from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Upon checking my XXXX XXXX account this afternoon XX/XX/23, I saw that I was charged a {$30.00} late fee even though I sent a {$30.00} payment on XX/XX/23 which was before the due date of XX/XX/23 but it was not posted to my account until XX/XX/23. I have attached proof of payment below When I called their customer service XXXX have attached proof of payment below center, the rep and two supervisors told me that they will not reverse the charge because they already reversed one late fee and that I am only allowed one late fee reversal every 18 months. 

I was also told that the payment was posted late because they have thousands of payments to process and that it is impossible to process all of them on the date they receive them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I financed a used vehicle from XXXX XXXX XXXX in 2021 and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made 24 on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are three categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than three business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( 2 ) ( ii ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In XXXX of XXXX, I was in need of a new vehicle. I went to The XXXX, NY in search of a new vehicle. I found a car on XXXX XXXX lot which has now changed their name. The sales guys I worked with was XXXX. As I reviewed the vehicles on the lot I came across a XXXX XXXX XXXX XXXX XXXX. This was a new vehicle that had just came on their lot and he said the price was {$10000.00} dollars. I spoken with the salesman XXXX to start the process to purchase the vehicle. due to my credit score I had to put a lot of money down. I made a {$6000.00} down payment on this vehicle and XXXX process the paperwork for me to finance of the remaining balance of {$4000.00}. I was told that my loan provider will be Santander Consumer USA. I received the vehicle and was told that the paperwork of the loan will be mailed to me because of Covid. They provided me how much I will be paying monthly and set up automatic payments from my bank until the paperwork comes in.After a few months I never received the paperwork I called the dealership and kept getting the run around. After time passedI I noticed that I was paying on the vehicle and I never received the paperwork. I called Santander Consumer USA inquiring about my loan. The representative shared that they had no record of a down payment on this loan and it was just an interest bearing loan. They mailed me the documents on file and from what I finally received in writing from them it shows the interest rate of 45 %. I have been trying to fight this matter since purchasing this vehicle. The paperwork they finally sent also shows a company name XXXX XXXX XXXX as the seller creditor who I have no idea who these people are. The number on the document provided doesnt add up nor is this my signature on this document. On my credit report my loan is now charged off with Santander Consumer USA but I never received any paperwork on the charge off. But, on the car retail installment contract XXXX XXXX XXXX is listed as the seller creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I was gifted a Vanilla Visa gift card on XX/XX/2023. I opened the package and tried to set it up through their website but could not because the card had no printed CVV number. 
On XX/XX/2023 I called the help number and was told by the agent I needed to provide the receipt and the CVV number for them to help me. Because it was a gift, I dont have the receipt. There is no CVV number on the back of the card. Because I had neither of these items, they refused to exchange the card. 

I was then told to use the card in person at a store, and it would work. When I attempted to use the card, the store card reader would not recognize the card. I tried three different card readers at the XXXX XXXX grocery store in XXXX, TX on XX/XX/XXXX. They all gave an error message that the card type was not recognized. 

I called their complaint line today, XX/XX/2023, as outlined in their terms and conditions. The customer service representative asked me multiple times if the card worked, and I answered no each time. She then asked for my first name and placed me on hold for about five minutes. She then disconnected the call. At this point, the card is useless, and the company will not provide a replacement. 

I can provide the card with all funds still loaded. I simply want to exchange it for a card that works. 



I have attached images of the gift card that show the lack of CVV.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, which states I have the right to privacy 15 USC 1681 section 604a section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666 b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.

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