vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, XXXX XXXX XXXX and experian have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work

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 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I was honored XXXX bonus miles towards my XXXX XXXX XXXX account ( XXXX ) however to date I have not received it. I have contacted XXXX a few times and lets voicemails, but no one is calling be back.

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 2023-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XX/XX/2022 I noticed XXXX XXXX XXXX  was on my credit report and I never applied for a loan wit this company. So I filed an identity theft report and dispute it with all three credit bureau to which all three companies concluded identity theft did occur and deleted the item. On XX/XX/XXXX of this year I was checking my credit report and noticed XXXX XXXX back on my report to which I was not given notice. This is a violation of my rights. Not only did maintain a reasonable procedure to prevent this reappearance which is a violation of 15 usc 1681i ( c ) Equifax also violating my rights under 15 USC 1681i ( 5 ) ( B ) ( ii ) ( iii ) they reinserted a previously deleted item without notifying me in 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
This is a follow-up to a complaint the Company/CFPB previously marked as closed, but still not resolved - XXXX. 

As background information related to the prior complaint, Chase Auto is continuing to try and collect a debt from me for alleged prior traffic violations, which occurred after my lease ended, and I have asserted they do not belong to me. At this point, the prior complaint resulted in information finally being furnished to me that I was able to track down the person who these violations actually occurred to and I provided this information from the XXXX website to my contact at the Chase claims team who has been helping me to try and resolve this. The latest feedback I got from this Chase team member is that whoever at Chase reviews this information still is declining to agree to this information as evidence these charges belonged to someone else and they only would accept written acknowledgement from XXXX that these charges are not mine and to reverse them. As I have stated previously, XXXX has already said they do not provide such documentation and even more so, they can not provide me any information relating to someone else 's account ( since these violations were not mine ), as it's violation of privacy policy so it is impossible for me to do this. Chase Auto obviously made the error here of paying something they shouldn't, because they didn't actually do their own due diligence ( the violation picture even showed a picture of a ranger rover which was not the car they leased to me ) to confirm it was accurate and they have now put the obligation on me to remedy this mistake, when I have gone above and beyond to try and furnish documentation proving my innocence in this regard. Even my contact at the Chase team said he is lost at this point at what else can be done, as I have tried every avenue I could. I also find it interesting, now that I have provided documentation it was not me, Chase is offering me to propose a settlement at less than the stated amount to close out the issue. 

This whole situation continues to be absurd and Chase really needs to change how they do business, this really is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I applied for a mortgage with Bank Of America. They were doing underwriting. Ten days before closing, they requested me to switch the property 's occupancy from primary to investment so that Bank of America could raise the interest rate and fee. I provided them with the fact that I have to live on that property as my primary home because my current home will be given to my older brothers, my parents, and my grandma to live. My family will relocate to America soon, and they will have nowhere to stay, but the Bank of America has forced me to change the facts because they know that the seller will not extend the closing date for me to look for a different lender. Bank of America has placed us in a situation where we have no other option. I would like to request the CFBP to investigate bank of America, as they have been using this tactic to exploit mortgagees.

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 2023-04-14 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: FL

Complaint narrative:
Since the beginning of this year 2023, I have been challenging this credit bureau in writing about information I found on my report that is incorrect, and others outdated. 

And every month, they have been mailing me back a letter stating they would not look into the matter because 'they believe someone else is requesting the correction and that they need proof it's me requesting it '. 

So I'll send the requested information, and my identification AGAIN, just to get the same response letter, AGAIN. We've been doing this same song and dance for 4 months now, and they still don't want to do anything that I know I'm protected by law they are obligated to do. 

This leaves me very skeptical as to why they wouldn't want to remove the incorrect information from my record, let alone the outdated one 's. 

I seek assistance from the CFPB to compel this credit bureau to do what they are required by law to do, since they don't want to solve this 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 2023-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
This complaint is in regards to Flagstar Banks failure to comply with : Regulation X Specifically 1024.17 ( f ) ( 2 ) ( i ) - This section of Regulation X addresses Escrow Surpluses. 

An escrow analysis was completed on XX/XX/2023. The analysis determined that the was a surplus of approximately {$85.00}. I contacted Flagstar late XXXX or early XXXX to ask if the surplus was mailed to me. On XX/XX/2023 Flagstar paid the insurance policy for the house. The insurance they paid was@XXXX leaving an Escrow balance of XXXX. 

The representative indicated to me that a decision was made by Flagstar after paying the house insurance, to keep the surplus escrow amount. Flagstar did not issue a check but instead kept then funds but did not and has not as of this writing returned the surplus to my escrow account nor mailed a check. 

In reading Regulation X as it relates to escrow and escrow surpluses, I failed to see a provision stating that if the houses insurance comes in higher than Flagstar expects, that Flagstar can on its own accord, keep the surplus, not credit it to the escrow account, not inform the homeowner of its decision. 

Please provide the Regulation and relevant sections, subsections etc. that Flagstar used in making its decision Either refund the surplus or credit the surplus to my escrow account. I have no desire to donate the surplus to Flagstar.

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 2023-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
On XX/XX/2023 I received an overdraft of {$34.00} from Huntington Bank. The day prior I received another overdraft amount of {$25.00} and some change. This is the fourth time that Huntington Bank has made me pay the fees in which I have had ample amounts of money in my checking account. I have no overdraft turned on so I dont understand how am I being overdraft from my account. In the past when I have made this complaint to Huntington Bank, they have made no effort in explaining the reason for overdraft and I am left with paying money back money that is actually mine because of transferring fro lm my savings account to my checking account to pay bills and etc. Upon reviewing the overdraft and having to pay the fees back I believe I am being fraudulently charged without proper reasoning from Huntington Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
this is my second time filling a complaint with BSI financial Services this all stared with my mortgage payment decreasing during covid. I called and asked about the issues and was reassured that there was no issues. at the end of XXXX my mortgage payment balloons to over XXXX from the previous XXXX the issue ends up coming up to being a tax issue I guess the forgot to apply all the taxes and just threw it on top of my current payments. cool no problem I end up paying over XXXX USD to fix the tax mistake they told me it was paid in full and my payments should go back down to XXXX not only was it a lie I'm still paying XXXX monthly with no real resolution I feel like they are just doing predatory things like marking my credit as 60 plus days delinquent for non payment. I asked for my credit report to fixed but they still left my credit in shambles. for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX still show a negative note or past due 90 days despite all the payments being paid in full. I'm asking for help because I this point I don't know how to make them fix the issue. this has caused my credit score to over 74 points just want my credit to reflect the real loan terms not over inflated payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon applying for a loan for a mortgage, i have received at minimum 50 calls in 2days, while Im at work, acquiring about a mortgage loan. My only assumption is the national bureaus, equivalent, XXXX XXXX XXXX XXXX have sold my information to these companies calling me. Its borderline harassment and stopping me from answering calls i actually need to answer for work

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Smith Debnam Narron Drake Saintsing & Myers LLP
State: NC

Complaint narrative:
Opportunity to cure LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: The Bureaus, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Account name : THE BUREAUS # 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 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 2023-04-14 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Filed a previous complaint against Equifax regarding them publishing my old name of XXXX XXXX XXXX on my credit file, this caused several of my accounts to disappear from my credit file recently. Equifax had received a copy of the court order which changed my name to XXXX XXXX XXXX, but are now alleging that they didn't receive any information concerning my new name. I would like to evidence that XXXX XXXX and XXXX have had my new name on file for years, and at one point Equifax had my old name and my new name on file. In efforts to try to respond to my previous complaint Equifax again changed their records to reflect the name XXXX XXXX XXXX which is incorrect. I don't understand why it is so hard for Equifax to follow the credit laws? The name is XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have attached a copy of letter received on or about XX/XX/XXXX regarding this dispute. I called company on XX/XX/XXXX and requested that they not make the change request referenced in the letter. The representative stated another representative would call me back on XX/XX/XXXX to accomplish this. I called today on XX/XX/XXXX and had a live chat that I have attached a copy of. When the manager attempted to call me back the number was flagged by my phone as spam and sent to my voice mail. When I called the number in the voice mail message I was sent back to regular customer service.

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 2023-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a mortgage account with Bank of America, bank of errors. I am trying to close my escrow account since early XXXX. In the past, under the name of " account analysis '' they made terrible mistakes on the escrow amount which led to much higher escrow payments over the years. Funds added to escrow are ignored/overlooked or outgoing insurance payments are counted multiple times causing the escrow payment go bigger and bigger each year. In previous years, I have spent hours on the phone to correct some of the mistakes this bank did. It's has been a terrible experience. Their customer service is awful. Recently, I have been trying to close my escrow account as I had enough of their mistakes. I have called Bank of America 8 times between mid XXXX and mid XXXX. Each call, I received a different story from the customer representative. It's impossible to close an escrow account through their phone lines and there is NO other way that it could be done. I want to CLOSE this escrow account immediately. I don't want to be subjected to their erroneous banking practices and manage my own finances. 
It's really difficult to explain why this bank exists. It's like cancer. Government MUST look at their awful customer service practices and take action!!! As I see it, this bank shouldn't be allowed to operate on many levels but the irony is it's one of the biggest bank in USA.

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 2023-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Between XXXXXXXX XXXX XXXXXXXX Credit Card added a new account from XX/XX/2014 to my Equifax credit report that was charged off and is almost 9 years old, dropping my credit score XXXX points. I believe this violates the fair credit reporting act and my rights. It is past the statute of limitations and has been charged off and should not be reappearing on my credit report. Additionally, the company is stating inaccurate information about last payments received to justify reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. 
These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ).

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 2023-04-14 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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