vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Truist//BBT Claim Number XXXX XXXX XXXX XXXX XXXX XXXX, I stayed at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options 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 2023-01-20 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:
XXXX XXXX XXXX refuses to respect my right to privacy. They are reporting a debt to the XXXX major credit reporting agencies without my consent. I have contacted them several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NATIONS LENDING CORPORATION
State: MS

Complaint narrative:
Date : XX/XX/2022 Lender : Nations Lending Corporation Borrower ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Co-Borrower : Loan Originator : XXXX XXXX XXXX Loan Number : XXXX License # : XXXX Property Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Per our discussion, we have locked the interest rate on your loan for the property located at XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The rate we have locked for your loan is XXXX  %. Enclosed are a XXXX XXXX, XXXX and Points Form, and any other related documents. Please take a moment to review each of these documents. Should you have any questions regarding any of these documents, please contact me as soon as possible at XXXX or by email at XXXX. Sincerely, XXXX XXXX XXXX Produce your VA XXXX records and formal documentation from the Department of Veteran Affairs stating the such property is not qualified or certified for a VA XXXX. 

The Department of Veteran Affairs needs your records now and upon your response to this CFPB complaint on this forum and not some misleading response. You have the records of such communication stated and listed above. Now you too should have the Department of Veteran Affairs ' record to support why this loan did not close as a VA XXXX on XX/XX/2022. 


RECORDS and PROPER RECORDS is only a fair resolution to this issue, not just some response without any PROPER RECORDS attached. You had from XX/XX/2022- XX/XX/2022. 

You should have in your records or response the following records they are : VA XXXX XXXX and VA XXXX to any inquiry in nature to your loan application. There is a loan application and a VA XXXX Process that you should have these records. 

You should have my military record such as my XXXX correctly and properly sign off on by my commander of records. 

You should have a formal notice or letter as to why you denied this loan. 

All these records are PROPER and are needed and you can not say that you don't have your agency name in my file or records or you don't have my name, date of birth, and social security number in your system. Having all such means that you must produce ALL THE PROPER RECORDS to support any statement or record you have or want to say or state or claim. 

You have had well over enough time to produce these records. Now please produce such in your response to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Hired a company from XXXX to build a app. 

designs insight, inc. went to website had great reviews had a 100 % money back guarantee contract if not happy. 
wired them XXXX to build the app, had communication on line, phone and text with XXXX main people from designs insight after 6 months of no real progress they they starting asking for more money, I also paid them XXXX for trademark that was refunded by the credit card company agreed it was fraud. they stopped answering my calls and said the my account manager was fired. I said I would send more money to see what account should i use, i was not going to send it but wanted to see what they would say they gave me new wire info and a new company XXXX, XXXX. 
then they have XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX 
I filed a complaint with CFPB # XXXX I found out they are a bank of america XXXXustomer just like me of 20 years went into office, with my binder. 
met with XXXX XXXX, he agreed this was large fraud, people had multiple accounts with lots of wire transfers coming in daily, and the name they used was not real, I said he would send all my paperwork to the fraud dept and was very surprised this was not on the banks radar. I NEVER was contacted by the fraud department. I just want the XXXX p [ ut back in the account it came from. They are in the US. 
They are good and need stopped ... and people need their money back. 
No wonder they keep scamming people we dont do anything to them. 
please help me get my money back, that XXXX was a investment in to my future company. I know banks have insurance etc for this stuff they need to help their customers epically if another one of their customers in the issue No question its FRAUD>>>. I should the money wired back ..... 

XXXX XXXX XXXX XXXX is with XXXX XXXX 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 explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage is currently serviced by Mr. Cooper. I have over the life of the loan had my XXXX XXXX checking account information saved for monthly payments. My payment is due on the XXXX of each month with the XXXX, being the late payment cutoff. I made my XXXX payment on XX/XX/XXXX, within the on-time window, as typical with the saved acct. information. I also received the standard XXXX emails. The first was to acknowledge the payment was scheduled and the second stating the payment was received. On XX/XX/XXXX I was sent an email saying the payment was still due. I checked my account and noticed no payment processed so I paid on XX/XX/XXXX. Again, I received the standard XXXX emails. I do not remember if I called on XX/XX/XXXX OR on XXXX XXXX, when this situation occurred for a XXXX time. When I spoke with the agents they told me that the new payment processing vendor had problems transferring account information from previous database, but to not worry that my XX/XX/XXXX payment would go through and no negative reporting would occur. 

Again this happened on XX/XX/XXXX. But on this date the Mr. Cooper rep asked me to re-enter my payment account information and that the payment would go through. This time it did go thorough and my account is shown as current. 

On XXXX I was sent a certified letter stating I was delinquent and at risk for foreclosure. This letter, and the protentional actions stated within, were exactly what I was concerned about happening in the first place and shows me that XXXX XXXX internal depts. are not communicating and seemingly operating independently. 

I am taking the time to write this complaint not because of the stress, frustration, and inconvenience this caused me, but to see some action taken on XXXX XXXX part to communicate better with their customers AND make sure that the internal processes and departments are talking to XXXX another and not threatening penalization. 

I can only XXXX the pains and headache that would have happened if I was on auto pay and away on extended vacation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Open Dealer Exchange, LLC
State: MN

Complaint narrative:
XX/XX/22 my credit file was pulled unknowingly so I need this to be removed from my report with prejudice.. I called but no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2022, {$20000.00} was direct deposited into my XXXX XXXX XXXX XXXX savings account from my employer, XXXX. That same day I initiated the transfer of {$1000.00} from my XXXX account to a newly created Citibank savings account. XXXX days later, on XX/XX/XXXX, I initiated the transfer of another {$20000.00} from my XXXX account to my Citibank account. This was a mistake by me because I had also initiated the payment of a credit card bill a few days prior that would drop my total balance in my XXXX account below {$20000.00}. Because my balance was below {$20000.00} in my XXXX account, this transfer was eventually rejected. On XX/XX/XXXX, I then initiated the transfer of {$14000.00} from my XXXX account to my Citibank account ; this transfer was accepted. 

At this point, my Citibank account had around {$15000.00} in it all which could be tracked from my employer. I then initiated a XXXX payment to my father of around {$3400.00}, as repayment for money he had loaned me previously. I don't have the exact date of this transfer but it was sometime in XX/XX/2022. This XXXX payment was successful and my account was not at around {$12000.00}. Now around this time, either late XXXX or early XXXX, I found that I was unable to login to my mobile Citibank app. I went to a local branch and they told me to call the number on my debit card. When I called this number the representative told me that my account was being closed due to suspected fraud. I was told that within XXXX days the matter would be investigated and the remaining funds in my account would be disbursed to me. After around a month, I recieved a ~ {$450.00} check from Citibank from a attempted direct deposit by my employer XXXX. Since that check, it has been almost 5 months since my account was closed and I have yet to receive the rest of the funds in my account. I have been patient and waited for the fraud investigation but nothing has happened. I have called around 8 times in the past 5 months to check on the status of the investigation and the remaining balance disbursement but there has always been no information. When I call, they always have no status update regarding the situation and are unable to give me any actionable information. The funds that ended up in that Citibank account can easily be traced back to my XXXX account and then to my employer, no fraud involved.

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 2023-01-20 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-01-20 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 2023-01-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I sent a letter on XXXX XXXX XXXX different address associated with Experian asking them to investigate my account. Here are the tracking number ( XXXX ) : XXXX XXXX XXXX It has been over 30 days. This consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian has 30 days to investigate and send me the results. 

They also did not even record the current status of the disputed information which is another violation. 

I have all the evidence attached below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Pursuant to 15 USC 1681 ( a ) ( 1 ) - the banking system is dependent upon my consumer reports being fair and accurate to me. XXXX and Experian continues to report a bankruptcy on my credit report when I have disputed and sent them proof several times from XXXX XXXX that they were unable to verify the accuracy of the bankruptcy and has removed it from my report. I just recently obtained documentation from the United States Bankruptcy Court as well that sates they do not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers ' credit files. Experian and XXXX has both sent me letters stating that they reached out to the Court and the information came back verified which is a total lie considering their response. I don't understand why they continue to tell me that it has been verified as accurate. Pursuant to 15 USC 1681 ( a ) ( 2 ) - this careless mishap that these companies have caused has ruined my reputation, and has adversely affected my creditworthiness. I am being denied credit because of their grave errors which has caused me severe XXXX and anxiety.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
What happened? 


I sent a letter XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE XXXX SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
synchrony bank denied my application stating they were unable to verify my Identity, I applied for this card in person at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, I provided them with a copy of my ID and they verified it was me. synchrony also sent me a letter in the mail asking me to complete form XXXX which i did. 

synchrony Bank claims they check credit reporting agency XXXX and the data was inaccurate but that's a lie. I request a copy of my credit report and every information i provided was accurate. I will attach a copy of my credit report and also the letter synchrony bank sent me in the mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
RightPath Servicing has fraudulently placed insurance on my property and has not allowed my mortgage payments to be applied accordingly. RightPath Servicing has misappropriated my mortgage payments. 
RightPath Servicing claimed, on XX/XX/2022, that my betterments and improvements insurance had expired. At no time did my insurance expire. Betterments and Improvements is a clause found within insurance policies and NOT a policy that can be purchased separately. RightPath Servicing sent a letter on XX/XX/2022, as a Second and Final Notice that I needed to purchase Hazard insurance or they would place a LPI policy on my property and charge me for the cost. I have sent RightPath Servicing proof of Hazard Insurance, on numerous occasions, to the email address they provided, listed after the language, If you prefer you may update your HAZARD coverage online at :. RightPath Servicing does not deny that Hazard Insurance is NOT H06 Insurance. RightPath Servicing admits they werent responsible for sending a letter dated XX/XX/2022 claiming the obtaining of a H06 Insurance policy on my behalf, a letter I never received. RightPath Servicing can not provide proof of it being sent. RightPath Servicing did not provide a copy of this letter until responding to my complaint on XX/XX/2022. I immediately purchased H06 insurance after seeing, for the first time, that I was being charged for this policy. I was first made aware of RightPath Servicing requiring a H06 Insurance policy, when it appeared on my XX/XX/2022 mortgage statement. There is no such insurance policy as a Betterments and Improvements policy, again, this is a clause and not something that can be purchased individually. The same with Hazard insurance, it is not a separate insurance policy. If RightPath Servicing would have stated, since XX/XX/2022, that a H06 Insurance policy was needed, I would have purchased it then and not in XX/XX/2022. RightPath Servicing insisting I purchase Hazard Insurance was deliberately deceptive, intended to cloud this issue until such a time they would place an H06 policy on my property, backdating it to XX/XX/2022 and assessing me for coverage from XXXX thru XX/XX/2022. I was not assessed for this coverage on my XXXX or XXXX mortgage statement, it was not until XXXX, did they assess me, increasing my mortgage payment by {$1000.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
What happened? 


I sent a letter XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
What happened? 


I sent a letter Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE ANS SEND ME THE RESULTS. 

And they also did not even record the current status of the disputed information which is another violation. 

I have all the evidences attach below.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
My mortgage is serviced by Specialized Loan Servicing. Today I received a phone call from the company asking me what my intentions were for the property. I told them I didn't understand the question. At which point they informed me the call was not an attempt to collect a debt because it had been discharged in bankruptcy on XX/XX/XXXX. This loan servicer has had the debt since XXXX, prior to that it was with XXXX  XXXX XXXX. The trouble is that neither myself nor my husband who holds the debt jointly with me have ever declared bankruptcy. 
I asked the agent for more information and she said they would research it. This loan also escrows tax liability as well as homeowners insurance yet they informed me that I was not required to pay the amount due. However there is a lien on the property and I am paying down the lien. 
I requested more information about the bankruptcy and they could not put me in contact with anyone who could immediately resolve the issue. It is very disturbing that this information is not available and I don't want to wait devote an enormous amount time and energy to fix this mistake.

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