vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
While checking my credit I noticed that there were several fraudulent accounts on my credit report i did not apply for any of these inquiries, so i filed a police report for identity theft and police told me to report these account to the credit reporting bureaus. And the credit bureaus did not help me. Here are all of the inquiries that are on my account that i didnt apply for. 
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 XXXX i have attached the identity theft report

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 2022-08-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am the Executor of the Estate. The Estate had a reverse mortgage with Lender/Servicer XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. In XX/XX/XXXX XXXXXXXX XXXX XXXX DBA XXXX XXXX requested the courts for a petition substitution from them to Mortgage Asset Management in which was granted. 

The Estate didn't receive a Notice of Transfer of Ownership that's required by federal law. ( 15 U.S. Code 1641 ) requires the new owner to send this notice within 30 days of the mortgage sale. 

We also didn't receive notification from mortgage servicer XXXXXXXX XXXX the change of hands, to new servicing transfer within15 days before the date the new servicer takes over. The new servicer PHH Mortgage Service didn't provide the Estate with a notice within 15 days after they take over the account. 

Representatives ( XXXX XX/XX/XXXX and XXXX XX/XX/XXXX ) from PHH Mortgage stated, " they weren't given any Probate or Executor information. '' Which is untrue all my information is on court documentation/proceeding request. 

They are clearly violating our rights under the Real Estate Settlement Procedures Act ( RESPA ), the Truth in Lending Act, and federal laws on banks by not providing documentation showing their legal rights of ownership to collect the debt or what is owed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have tried to work with this company several times about reporting this account with the credit report agency XXXX and wrong information being reported about the account, that is hurting my credit report. 

I have requested the company verify the amount owed and take off the past due payments that are being reflected on my credit report and this account is charged off but it still shows 5 missed payments and a past due balance which is a violation of FCRA on a closed account. 

They have not sent me any documents to verify the amount they are reporting on this account.

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 2022-08-25 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: FL

Complaint narrative:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
About a month ago I filed a complaint about fraud for two credit cards, one with XXXX bank and the other with apple/goldman sachs and I could only put one company in to file the complaint with so I went with XXXX to get that one started. That one came back as a fraudulent account and got taken care of. Now im filing for a fraudulent account through goldman sachs. It has greatly decreased my credit score and I didnt see it until last time I checked my credit score which is the same day I filed the complaint with XXXX Bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Our forbearance plan is ending XX/XX/01 and we just received a letter saying that we got denied of any payment plan but to pay the $ XXXX in 2 weeks or short sale or deed in lieu were the only options given to us. I called them twice ( Specialized Loan Servicing ) asking for help but they said those were the only approved options. How is that possible? How can someone whos struggling to begin with pay all this at once? We need assistance in every possible way we can get.

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 2022-08-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Turning Point Solutions LLC
State: FL

Complaint narrative:
Capital Solutions continues to call and harrass me over a debt that is way past the statute of limitations. I have requested numerous times that they not call anymore, they refuse to stop calling. 

I am continually being told they are going to process my paperwork and serve me over a debt lawsuit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Received a letter dated XXXX XXXX. Decision to restrict and close account. 
I have had this Bank of America business account for over 10 yrs. And now a decision is made to close based on the business type. Company is an XXXX XXXX and XXXX XXXX company. 
Have never had any banking issues prior. 
Phone number provided to bank closing department where agent read a script but provided no insight or details as to the reason for decision to close. Any further calls to other phone numbers provide direction to call the closing department. Its as weve been targeted with no cause.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-08-25 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: CARRINGTON MORTGAGE SERVICES, LLC
State: HI

Complaint narrative:
From XXXX XXXX I engaged in refinancing my mortgage loan to XXXX XXXX XXXX company. My previous lender Carrington Mort. Services is reporting no data payments from XX/XX/XXXX to XX/XX/XXXX this time frame my mortgage was in a forbearance status due to the unforeseen Pandemic period and I was also on a military XXXX. Upon returning from my XXXX I paid almost XXXX to close my forbearance and be current with my mortgage. Carrington took 2 billing cycles to get me out of forbearance, this complicated my refinancing and when ask to provide a payoff quote Carrington drag their feet and cause my closing date to delay with XXXX. This causing a late payment on my Credit report for XX/XX/XXXX. I did pay the payment one day late but at their fault, for not providing payoff on a timely matter which had made the closing on the refinance on time. 
I tried a couple dispute with XXXX with no success at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: AZ

Complaint narrative:
In early XXXX, I signed up for a US Bank checking account after looking to see what promotional offers other banks were offering. The US Bank promotion seemed the most promising, offering {$400.00}, if I were to sign up, deposit {$5000.00} in direct deposit within 60 days, and enrolled in online banking, all of which I did. On XX/XX/XXXX, I passed the {$5000.00} mark and have repeatedly tried contacting US Bank regarding the issue, but had not received a clear answer. Today, XXXX, I was finally able to get into contact with a banker, XXXX, who informed me that due to having been previously overdrafted, that I would not qualify for the promotion. There was no such indication that this would disqualify me, and as of right now, the account has a positive balance of {$0.00}. The maximum that US Bank ever allowed me to overdraft was for {$50.00}, and I would always bring the account back to a positive balance. Keep in mind, this is something that US Bank heavily emphasizes, too. That as long as you dont overdraft by more than {$50.00}, you are safe from any OD fees, etc. I would use that feature, not thinking it would be a detriment to me receiving my bonus, especially when I would always bring the account back to current. While it is stated that a positive balance is required to receive the bonus, there was no indication of when that positive balance was necessary, and I feel completely misled by US Bank, who I believe are doing all they can to not provide me with the bonus I earned, after having entrusted them with my direct deposits from my employer.

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 2022-08-25 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: SC

Complaint narrative:
My financial planner called a Financial services provider and asked him for help about me being abble to access funds from a cash out loan on some investment properties that I own To do that, he pulled a credit report to see if I could meet the programs debt to income ratio requirements. 

After he pulled the report, I was inundated with constant calls from mortgage companies seeking to see how they could help. The reason for this is because Equifax, XXXX, and XXXX ( the three credit bureaus ) - WHO MY FINANCIAL SERVICES PROVIDER PAID TO GET MYCREDIT REPORTS- have sold my information to a bunch of mortgage people, as leads for soliciting my business. This should be completely outlawed on multiple fronts : First of all, I paid for the credit bureau information and report, not he mortgage lenders. Secondly, these credit bureaus received information about financial activity that I wanted private, and have thus violated my privacy by selling my information to other companies. I did not give them permission to do that and neither did anyone representing me. I understand the bureaus used to practice this quite frequently 15 years ago, but recently restarted this information sharing again. It is insidious, and it would help all of us for you to put a stop to this. The bureaus have not done anything illegal, but it SHOULD be outlawed as an invasion of privacy and as an unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
So I have been so much with mr cooper over the years. I was in forbearance and I was told after forbearance the past due would be put at the end of the loan. So after months of trying and trying the DEO of Florida which oversees the government back homeowners assistance fund finally approved me for my back pay and 12 months of future payments. Sent them the letter and I believe XXXX I think they are payee for DEO sent them the payment which took weeks and it just sat in Mr. Coopers account along with everyone else on this program. After all this it still shows me two payments behind XXXX and XXXX with XXXX due coming, what is the matter with them? I never dealt with such a XXXX  corporation in my life. Nothing else comes close. If you look at the payment history recently it is so confusing when you look at it. They cant even read it right I am sick of them controlling my life and it makes me XXXX  all the time. They always say they want to help you. But I always feel they get angry when your getting help and they want you to fail. I have been on XXXX XXXX XXXX in XXXX before and you would think someone would of watched it but I guess they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I was accepted for a {$5000.00} loan for the first time so I chose XXXX XXXX to be the bank that I'd positive the loan company had told me that we need to do a test deposit of a certain amount for a promissory trustworthy note and I was to return the money that they deposited before they would deposit the full amount of the loan come to find out after they deposited the test deposit I tried to transfer the money back to the lenders they Citibank blocked my account for no reason no explanation I tried to call all that day the next morning I get a hold of the deposit department and I am informed that it is closed due to suspicious activity fraudulent activity not on my behalf but on the lenders from fast payday loan I have documentation that I had to sign agreement with the lender I also have text messages from the lender about the loan when I explained to XXXX   that I had no involvement in this fraudulent activity they still said that they was closing my case for future references not only does this ruin my credibility but it also ruins my credit I am appalled that they would help me for something I had no knowledge of due to this being my first time accepting a loan I was informed that we were to share our information of our banking account so they can deposit the loan I don't feel like I should be punished for somebody else 's criminal activity and that I think it's an unfair decision that they made and I would like a an apology and I would like to be unslagged and just taking off my credit report I'm a victim just as well as company is that these people were trying to defraud I have rights just as well as anybody else in this country I feel that XXXX  should listen to their customers more than protect their money because they are insured we are not

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 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO BANK NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The servicing of my mortgage was transferred to BMO Harris Bank in the beginning of 2022. On XXXX XXXX, I received a letter for the City of Philadelphia stating that my real estate taxes weren't paid. My taxes are included as part of my mortgage payment. I contacted BMO Harris Bank and they sent me a letter dated XXXX XXXX that the taxes in the amount of {$2800.00} were paid to the City of Philadelphia on XX/XX/2022. The City of Philadelphia would not accept that letter as proof of payment- they wanted a copy of the cancelled check. I contact BMO 2x in the past month requesting a copy of the check. I still haven't received anything. At this point, the City of Philadelphia has sent the claim to XXXX XXXX XXXX- a collection agency. I did contact them to explain the situation, but they also need proof of payment. I don't have time to continue to call BMO and start from the beginning with the customer service rep and explain the situation. Any help is greatly appreciated. Thank you.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
on XX/XX/2021, the following company obtained an unauthorized credit inquiry report against my consumer profile in violation of 605a [ 15 U.S.C.1681 ( c ) ] Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ] by failing to perform verification as outlined within the 15 USC 1681 FCRA under 605A for Identity theft prevention ; fraud alerts on my consumer profile. 
TRANSUNION LLC failed to follow protocol and verification stated within [ 15 U.S.C. 1681c-1, 605A ] profile which states to follow clear guidelines in obtaining and/or release of consumers file of Identity by verification for theft prevention clearly under limitations and verification of release of information which includes calling phone number listed within the consumer file as guaranteed under 15 U.S.C. 1681c-1, 605 ( A ) ( SEE BELOW ) TRANSUNION LLC failed to follow the procedural guidelines as outlined within 15 U.S.C. 1681c-1 605A for the protection of identity theft victims in their conduct and retention of an unauthorized inquiry and release of my consumer profile. 
605A. Identity theft prevention ; fraud alerts [ 15 U.S.C. 1681c-1 ]

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
On XX/XX/2022 I went to deposit money to my account thru the drive thru but noticed a sign that read " go to the ATM to deposit transaction with less the 3 items ''. I went into the bank and put my money into the ATM and it started to make noise. I informed the teller since there was no one in the bank to see if she could help. The teller came out and witnessed the ATM spit out a receipt with a {$0.00} balance recorded. She told me that happens and not to worry. The teller then got the bank manger out of his office and they bothwent to the back of the machine to see if they could retrieve it. The bank manger came out with a ripped {$10.00} bill. I told him there was more and I couldn't remember the amount because I'm was frustrated and upset. The amount was around {$210.00} - {$190.00}. there was 2 {$50.00} bills, a few {$20.00} bills, and a {$10.00}. I went back and forth with him about what needed to be recorded or done but he assured me that the ATM has cameras that have a view of 360 degree so not to worry. I again asked if there was a procedure that is suppose to happen because this can not be the first time this happened, he again was rude and said the ATM guy was called to come look/fix at the machine. 
XXXX XXXX I called the bank and spoke to the teller that witnessed the ATM spit out the receipt and she informed me that the next customer had taken my money because the machine was never shut done or closed for malfunctioning. 
the bank manger called me back about a hour later to tell me that they only found the ripped {$10.00}. I told him that it was more and what did the camera show. He did not answer and was rude and upset that I question the procedure that was not followed regarding the ATM and audit. 
No one has gotten back to me as of XXXX XXXX after at least 8 calls to the XXXX and spoke to 2 customer service supervisors. No resolutions to the problem or a answer to where my money went..

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