vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX, I took out a loan from BMO Harris Bank in the amount of {$19000.00} for an XXXX trailer ( make/model a XXXXXXXX XXXX ). 

In XXXX of XXXX, I sold that vehicle to a dealership for {$20000.00} -- approximately {$1300.00} more than the payoff amount. 

The dealer confirmed they made a payment to BMO Harris Bank for the full amount of sale ( {$20000.00} ) and that BMO Harris would mail me a check for the balance of {$1300.00}. 

I never received the check. At first BMO Harris informed me that the check went to an incorrect address ( XXXX from which I had moved ). This mistake is innocent enough and I thought would be easily resolved. 

I have, since XXXX of XXXX, been in contact with BMO Harris Bank every couple of weeks to check on the status of my check and provided them with my new mailing address multiple times. I have received varying responses : they must wait 90 days for the check to void before sending me a new one ; they must send me paperwork to sign to confirm I have moved before sending a new check and voiding the old one ; that a manager has been referred to this case and will be in touch with me, etc. 

A manager has never phoned me to resolve this and I have not received via email or postal mail any of the supposed forms they have asked me to fill out.

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 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I have sent in my notice of rescission letter to XXXX on XX/XX/2022. In my letter, I stated multiple violations made in my contract and my right to rescind 3 years after consummation ( they did not send me 2 copies of my right to rescind ). 

I received a letter from XXXX on XX/XX/2022 that says " As a validation of the disputed debt, we have enclosed a copy of the executed retail installment sale contract between yourself and XXXX  ). This contract is sufficient under Texas Law to create a valid obligation from your part to XXXX  and we will not rescind your contract ''. 

First of all, I didn't dispute the debt. I am practicing my right to rescind my contract and XXXX is denying me that right. This is another attempt to put XXXX on notice the effects of rescission. 

The effects of rescission 12 CFR 1026.23 ( d ) which states that the security interest in my contract becomes void, and I am not reliable for ANY amount ; INCLUDING the finance charge. I know that XXXX had 20 calendar days after my original notice, to return any money to me that has been given and take immediate action to reflect the termination of the security interest. In which you haven't done, according to the letter I received on XX/XX/2022. 

I will be taking legal action. Attached is my Affidavit letter of truth, my cease and desist letter, and my original rescind letter. I have also printed out the codes you have violated according to federal law. 

The affidavit will be notarized on paper ( the one sent through CFPB isn't signed ), everything will be sent via certified mail to your chief executive officer and XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Hi, my name is XXXX. I'm contacting you because my elderly mother has run afoul a bad situation. 
She has been trying to pay her mortgage through XXXXXXXX XXXX, and they have stopped taking her payments ; I have proof of this. I also have proof that she has contacted the company, and they have refused some of her payments because, they claim, it won't bring her account to balance, but they have neglected to show how much it would cost to bring the account to balance. 
They have also refused her payments without specifying a reason. She has tried to contact them, and reached a person named XXXX XXXX. XXXX XXXX claims that no payments have been made, but that is not true. I have proof. 
My mother has also run her credit through two bureaus, and both show that she does NOT have outstanding payments, but XXXX claims that they will place the property into foreclosure. 
This is the strangest thing I have ever come across. If I owe a credit company or bank money, they'll take whatever payment I can make -- with late fees and such -- but they won't refuse money. 
I am trying to make sure my mother won't lose her property. Can you please help? I have paperwork, replies, and copies of payments attempted. 
I believe the media is more powerful than lawyers, which is why I contacted XXXX XXXX, and we think you can help us. Would you be willing to look at what I have? Thanks in advance. 
P.S. They claim she owes XXXX grand for the property but on the credit report, it shows she owes nothing. Which is it? 
We don't know. Please help us. I am XXXX. She is almost XXXX and retired. We don't know what to do. 
We have some money and would like to square things away, but XXXX seems bent on refusing money. I will provide all the paperwork we have, which is substantial. 
Thanks again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have applied to several entities that required credit verification and Equifax has continued to show an accurate report or nothing at all. I have submitted the documents two times at their request to unfreeze and report correctly. This has been an ongoing issue that has caused a great deal of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
account information not reporting to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to XXXX 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I tried calling and resolving this matter with all 3 credit bureau and was not able to have any success with the credit bureau The listed item is entirely inaccurate and incomplete, and represents a very serious error their reporting the purpose of filing a complaint with the Consumer Financial Protection Bureau is to have you to do a fully investigation baring my signature I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), that the credit bureau may be liable for willful may result in a small claims action against all company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act The credit Bureau also stated to the CFPB that all information that i reported back in XX/XX/XXXX the information was not being reported on my credit report from XXXX XXXX XXXX and stated that i will be receiving another copy on my credit report but how is that true when i just uptrained another credit report my self and was sent out back in XX/XX/XXXX this is grounds for deletion and a violation of my rights I would like to have this via an online public press release all 3 credit bureau violated state law 15 U.S.C 1681 section 602 A. states i have privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reportion agency can not furnish a account without my written instructions please remove XXXX XXXX XXXX AND ALL XXXX LOAN as is it a violation to state law with the reportion that is being reported on my credit 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 2022-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions I

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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, I need to submit a dispute for 6 transactions made with my debit card ending in XXXX. 
My account was closed without any communication or advice so I cant access to my online banking to see the exact amount in dollars and posted date. 

1. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX XXXX. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX must be delivered on XX/XX/XXXX 3. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 4. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX home theater sound system, must be delivered on XX/XX/XXXX 5. Transaction date XX/XX/2022, International currency XXXX, Laptop XXXX XXXX must be delivered on XX/XX/XXXX 6. Transaction date XX/XX/2022, International currency XXXX, XXXX XXXX, must be delivered on XX/XX/XXXX I tried to contact the merchant several times by phone and emails, but they never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hello- I am currently a credit card account holder with Citibank and previously a savings account owner as well. I called on XX/XX/XXXX to open a high yield savings and was told that I was required to submit an account application subject to review and final decision within 7-10 business days. I was also notified that there will be a soft hit on my credit. 

I have been in banking for 11 years now and have never heard of a deposit product such as savings subject to credit review. I asked to speak to a supervisor to better understand why this was a requirement and he had no valid answer for me other than " that is our account opening process ''. 

Since when is credit pulling a requirement to open a savings account? I am happy to accept this as a process if this is market standard but if Citi is alone in this and is making their own rules, then this sounds like discrimination to 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 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I took a loan out with the company on XX/XX/2021. 
Due to covid I was in a really bad spot financially. 

In XXXX I spoke with At the time name XXXX XXXX. And I told them my situation that I wasnt able to pay them back just yet due to my work situation and looking for a new job. 

I recently just had XXXX back in XXXX and have been off work since XXXX of XXXX and I told them directly once I get my XXXX and can fully return back to work I will pay them back slowly. 

But Ive been receiving threats from them to take me to court. They have been calling my entire family looking for me which is crossing the line, they have my number and email. Obviously the representative lied because I wouldnt be getting threats After I spoke with them in XXXX. They told me they would put my account on a hold so I wouldnt get charged interest fees but they lied.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
account information not reporting to all three credit bureaus.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
account information not reporting to all three credit bureaus.

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 2022-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Going on two years of trying to get one item corrected that has been verified by everyone but Experian. Experian is not putting any effort into making contact with the credit card company, who has repeatedly stated it is it Experian issue and not theirs. Even with a Experian representative on the phone they would not allow me to put the credit card company on the phone for verification. I have mailed the requested documents. 
This is causing enormous unneeded stress.

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 2022-09-08 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: CORELOGIC INC
State: GA

Complaint narrative:
I have requested verification under FCRA laws from the creditors that reported an inquiry on my credit report and they have not responded in the 30 days. I also contacted the credit bureaus a Month prior and they would not take the inquiries in which I do not recognize off my report so I sent certified mail to the creditors to verify in which I have the receipts and tracking information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
Hi, I am in a very time sensitive process of home buying. I am under contract and was locked in with a lender at XXXX rate with no points bought. My loan documents showed an anti steering disclosure that told me I could buy down rate to XXXX for {$10000.00}. While this is a big amount, I see value in this option and expressed interest, asked follow up questions and my loan officer told me I could buy the rate if I choose to do so. However, during underwriting my loan officer insists that's not an option anymore, he says that number shouldn't have been there and that he didn't like the anti-steering document as. I think my lender is trying to push me to get a rate that is beneficial for him knowing all too well that I am outside my due diligence period and can't back out of the house or change lenders as the market interest rate has changed in the last couple weeks. I need my lender to abide by the anti-steering law. 

I asked XXXX if I can talk to a manager or someone about this and he said that they would redirect to him since they are not licensed officials. 

In the many times I talked to XXXX about buying points he never mentioned the lender credit offered on the loan documents would go away, he also says there will be additional loan origination fee I will have to pay if I want to buy down rate. I think this is made up with no legality to it. I am afraid my situation is being abused since they know I will have to go through the home purchase or pay the seller {$3000.00} and all closing attorney fee. 

Please guide me on how to navigate this. I need immediate help. 

My lender is united wholesale mortgage llc, XXXX XXXX LICENSE ID XXXX, United Wholesale Mortgage , LLC PHONE ( XXXX ) XXXX BROKER XXXX Loans XXXX  LICENSE ID XXXX LOAN OFFICER XXXX XXXX XXXX XXXX LICENSE ID XXXX EMAIL XXXX PHONE ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Nationstar Mortgage, LLC D/B/A Mr. Cooper sold my home while I was still in the home XXXX XXXX XXXX, XXXX XXXX TN XXXX XXXX Loan # XXXX, XX/XX/XXXX. I received a eviction notice XXXX XXXX and I filed an appeal in XXXX XXXX Court, XX/XX/XXXX. I was illegally convicted and sent to prison XX/XX/XXXX, and got out on probation XX/XX/XXXX. I would be homeless if it was not for the VA. We had a second mortgage with the XXXX XXXX XXXX that was tied to our business XXXX  XXXX XXXX XXXX XXXX We bought a XXXX XXXX XXXX with the money from the second mortgage and the XXXX XXXX has the title , I think, I have not been able to find which dept. has it at this point, but I am in possession of the truck. Mr. Cooper has not got in touch with me nor has they paid me any money or sent any document to me to sign, I have been in the home from XXXX XXXX to XX/XX/XXXX. They has also left an homeowner 's bill with my insurance coXXXX XXXX XXXX I am filing a civil complaint with the circuit court XXXX XXXX Tennessee. Could your dept please investigate this illegal action for me. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Payment made in the amount of {$1700.00} for Mortgage Payment. Bank returned payment XXXX stating account number inaccurate. Account number was accurate and ACH Department returned payment in error causing 30 day late payment for XX/XX/2022. Bank addressed error but it is still reporting late which is inaccurate. Documentation has been forwarded to credit bureau and late payment is still reporting incorrectly.

Company response to consumer: Closed with explanation