vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I submitted a claim on Thursday XX/XX/XXXX. I was then sent to the fraud department and the fraud department told me I would have my funds back immediately that day well on Friday XX/XX/XXXX, I did not have my funds back so I made another call to Bank Of America and was told that they put in an escalation and I would have an answer later Friday afternoon. I called Bank Of America back because I had also requested a supervisor call me and no one ever called me and the second person I spoke to on Friday told me that an escalation was never submitted. They submitted finally, and escalation Friday afternoon which shouldve been completed by Tuesday XX/XX/XXXX. The escalation was not completed by Tuesday when I spoke to someone so they submitted another escalation. Well here we are Wednesday XX/XX/XXXX and I called and no one ever filed the escalation from XX/XX/XXXX like they said they did and I still dont have my money back. every person I talk to from the bank gives me a different answer. Every person who says they did something for me ends up not doing it and I just keep getting the runaround.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT

Complaint narrative:
A wire in the amount of {$100000.00} was sent XX/XX/2023 by XXXX XXXX to Citizens Bank for the benefit of a Citizens Bank account ending in XXXX ( outgoing fed reference confirmation # XXXX ). 15 minutes later it was discovered and a wire recall request was supposedly initiated by XXXX at that time, with the appropriate trailing hold harmless/bond agreement from XXXX to Citizens following on XX/XX/2023. Additionally, Citizens was contacted on XX/XX/2023 to make them aware they had a Fraudulent Account within their system that was set up to defraud an unsuspecting consumer as well as Title Company. Over 20 requests for information have been made to XXXX XXXX and Citizens, only to receive a consistent comment of " Call back in 10 days as your case is in the queue and will be addressed in the order received ''. It has now been over 60 days since the incident and still no information regarding the resolution of the case. It is believed the money is simply sitting in a Frozen Account at Citizens and they are slow playing the addressing of this case in order to take advantage of the deposited money in the account. At a minimum, they should be sharing information regarding whether or not the money is being held or has been released and lost. Unfortunately neither XXXX XXXX nor Citizens is willing to provide any information and simply hide behind the fact this is a possible Fraud Case and it is under investigation, no further information is available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Consumer called Resurgent Capital Services and spoke with XXXX ( service representative ) within 30 days of receiving a Notice of Assignment concerning a XXXX XXXX XXXX  XXXX. account. I informed the agent they where in violation of 15 US Code 6802b as I did not receive any opt-out documentation which is a violation of 15 USC 6802. Agent states there was no opt out. Which is an admission of the violation. 

XXXX XXXXXXXX XXXX XXXXXXXX. shared my information with nonaffiliated third parties which violates the Privacy Act of 1974. 

Also, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliiated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of title 15. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX has made this violation which goes against there own Privacy statement given to the consumer. 

I would like this account settled and marked as Paid as Agreed or pay the penalties to me listen in 15 U.S. Code 1825 - Violations and penalties. {$2000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
MOHELA does not include the amount of interest due on loans on it's website 's payment page. It shows up like this : Loan Type XXXX Principal Balance ( $ ) XXXX Interest Rate ( % ) XXXX Next Payment Date XXXX # Days Past Due XXXX  Past Due Amount ( $ ) XXXX Current Due Amount ( $ ) XXXX I attempted to payoff one of my loans in full not realizing this crucial information was missing. When I logged in a few days later I was surprised to discover I still had a balance that was accruing interest. 

I called in to their support team yesterday on XX/XX/23 at XXXX XXXX, waited on hold for between XXXX minutes, and finally spoke to two representatives. The first was in training and needed to transfer me to a more experienced rep. The more experienced rep said she would attempt to write off the remaining balance by filing an internal request. I sent a follow-up email complaining and requesting an update on that internal request, but have not received a response. 

Even if they write off the remaining balance, it does not change the fact that I can't tell on the payment page how much money I actually owe. The support representative I spoke with mentioned that I was not the first person to call about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
Subject : Opt-Out Request Pursuant to 15 USC 6802-6805, Fair Credit Reporting Act, and Privacy Act of 1974 I trust this letter finds you well. I am writing to formally request to opt-out of certain uses of my personal information, in accordance with the Gramm-Leach-Bliley Act ( 15 USC 6802-6805 ), the Fair Credit Reporting Act ( FCRA ), and the Privacy Act of 1974.

Under the Gramm-Leach-Bliley Act, financial institutions are obligated to safeguard nonpublic personal information. I am exercising my rights under this Act to ensure that my information is handled with the utmost privacy and security.

In addition to the GLBA and FCRA, the Privacy Act of 1974 further governs the collection, maintenance, use, and dissemination of personal information by federal agencies. I want to ensure that my rights under this Act are also respected in the context of any information you hold pertaining to me.

Therefore, I formally request to opt-out of any sharing or use of my personal information for purposes beyond those explicitly permitted by law, including any third-party marketing or promotional activities. I also request transparency in how my information is collected, maintained, and shared in accordance with the Privacy Act of 1974.

If there are specific procedures or forms that need to be completed to facilitate this opt-out request, kindly provide them at your earliest convenience. Additionally, I request written confirmation that my opt-out request has been processed in accordance with the law.

Thank you for your prompt attention to this matter. I anticipate your cooperation in ensuring the responsible and legal handling of my personal information in compliance with the Gramm-Leach-Bliley Act, the Fair Credit Reporting Act, and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
bank cd maturing on XX/XX/2023 called Bmo bank N.A. XXXX XXXX on XX/XX/2023 XXXX XXXX at XXXX XXXX said. aid they can't send my funds. ACH. and will have to mail a check. in 5- 7 business days I waited still no check I called again on XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX said check still coming to wait 5 more business days still no check. I called again on XX/XX/2023. and spoke to supervisor XXXX XXXX about. my Check said it's in Limbo due person closing. The account made a mistake. not closing it properly if he could overnight. my check per XXXX he said.no just regular mail I ask why not he said bank does not have Capability. That I have to wait longer

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 2023-12-13 00:00:00
Product: Credit reporting 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
my identity was used to open fraudulent accounts. Please remove this from my credit history. Thank you 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 2023-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I was approved for a trial modification earlier this year that was for 6 months, ending with the last payment XX/XX/XXXX. I made every payment on time. When it came time to sign the paperwork, I did not sign it, because Selene Finance made a mistake with the names of the people they wanted to sign the paperwork. From mid XXXX until XX/XX/XXXX, I reached out several times to the XXXX I had been working with by the name of XXXX and she never returned my calls. It was on XX/XX/XXXX when I spoke to XXXX of Selene that told me the approved modification package was old and I had to start the process all over again this time providing proof that the name XXXX XXXX was not on my deed and stating that XXXX XXXX and XXXX XXXX were not going to sign the modification, I was going to be the only signer. In addition the amount of money although I paid it each month was ridiculously high Selene seemed to be trying to set me up to fail. After receiving the paperwork from the Courts showing I was the only one on my deed, I complied and sent in an entirely new loan modification package, sent it in by XXXX it arrived to Selene on XX/XX/XXXX, and to date, they have not even looked at the loan modification package per my phone calls in speaking to different Selene Reps on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. On XXXX I was told by Selene Rep XXXX to write the loan modification/resolution department to ask for a review of my package sent in back in XXXX. And today when I called and spoke to XXXX I was told still nothing had been done, but yesterday XXXX sent someone here to take pictures of my house I happened to be outside, and the person told me to " call my mortgage company ''. XXXX whom I spoke to today told me she suggest I send in another new modification package! I told her every time I do this it cost me {$60.00} to {$70.00} to make copies and send off a package by XXXX, I asked her if I could leave a message for XXXX and she said she would make " note of my request '' but she could not reach out to her on my behalf. So I assume from mid XXXX to XX/XX/XXXX all the other Selene Reps were lying when they said they were sending XXXX interoffice memos while they were putting me on hold trying to get her on the line and/or saying they were leaving messages for her to call me??? Selene is not trying to work with me, even though I paid my trial modification payments on time. I am getting the run around, when all they had to do was change the paperwork taking off the names XXXX XXXX and XXXX XXXX from the original approved modification given back in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am writing to demand removal of a series of inaccuracies and Rights Violations XXXX, XXXX, Experian and any other 3rd party agency, i am writing to demand removal of a series of inaccuracies and Rights Violations from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy, will be forced to notify the CFPB and FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. require XXXX  per day if this reporting continues. 15 USC 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, Experian nor XXXX and ANY sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.

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 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have recently received a copy of my credit report and I have noticed some items that do not belong to me. My Fianc and I are having our first child and are trying to purchase our first home and these items are hindering us. Please remove these items. 

Fraudulent accounts ( XXXXXXXX XXXX XXXXXXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX date of inquiry ( XX/XX/XXXXXXXX  ), XXXX XXXX date of inquiry ( XX/XX/XXXXXXXX  )

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