vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
I was given an incorrect breakdown of my closing costs by a sales assistant working on my loan. Upon receiving an email with my closing disclosure and cash to close amount, I reached out to the sales assistant that had been helping with final paperwork. When I asked for clarification, I was told that the total cash to close was correct- {$4800.00} and my gift funds from donors ( {$4100.00} ) left the remaining amount of {$770.00} as my responsibility. This was all I needed to bring to closing, along with the 2 separate gift checks totaling that {$4100.00} amount. After signing all documents, the title company informed me that I was {$4000.00} short and would need to bring this money for my transaction to be filed. After showing them what I was told in writing, I attempted to contact the sales assistant that initially told me the {$770.00} amount. Because I was unable to reach her, I contacted the Senior Mortgage Loan Processor who had been coordinating with the underwriter. She told me that the title company was not correct and requested to call me back. I was called back by a woman named Kindy who confirmed what was originally told to me, that I was only responsible for the {$770.00} amount. Then, I heard the Senior Mortgage Loan Processor state that was incorrect and that I did not understand. At the same time, I received a text message from the Sales Manager stating " it looks like it changed to you needing {$870.00}. '' This totals to 4 different people telling me the incorrect amount, all the way up to the day of closing. I was misinformed multiple times by multiple BOK employees and was not told that the gift funds were applied prior to closing and were actually separate from the cash to close amount. 
This incorrect amount put me in a MUCH less stable financial position as I am going into my first home. My home is in need of minor repairs, new furniture and moving costs that all will be delayed due to this large {$4000.00} difference in closing costs that I was led to believe I was not responsible for. When seeking resolution on my own with the company, I was told that this all happened because I could not understand paperwork, I should have realized something wasn't right and that nothing could be done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, Absolute Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has incorrect and inaccurate information on my consumer report. For instance, they have third part collection companies as verifying information on my report. I've never done any business with XXXX XXXX, XXXX Resolutions investments, and XXXX XXXX XXXX ) as verifying information on my account. I have NEVER done business with any of those companies, neither did I authorized the original creditors to sell my information to these third party companies. I requested validation of debt from those companies over XXXX now, and I am yet to receive the requested 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 2023-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit balance of {$1900.00} due to multiple payment posting. The money was taken out from my credit card on XX/XX/XXXX, after initiated on call on XX/XX/XXXX. But it has not been credited back to my bofa checking account as of XXXX. Something that i can do online and credited in minutes. Why is bofa trying to earn interest on my money and depositing on time or leaving in my card as credit balance.

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 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: RGS Financial, Inc.
State: MN

Complaint narrative:
Received another text from RGS financial.com today again XXXX. Just blanket statement of debt collection. 

Im afraid to open their link requires my agreements to open the link. I do not want to be hacked or receive spam or other issues from RGS financial.com.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I made a payment to my Goldman Sachs Credit Card from my Goldman Sachs savings account. The savings account showed sufficient funds to make the payment and the credit card indicated that the funds were received and paid in advance of the monthly deadline. 
After making the payment, the credit card showed that {$0.00} was owed and required payments were made. Later, they said this was an incorrect reporting of their own systems to the customer. 
Days later, Goldman Sachs disputed what their systems showed when the transactions took place. 
As a result, I was charged an interest fee that I should not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have a car loan from BMW Financial, I was down two payments, they called an threaten repossession of the vehicle. I made arrangement to pay on two different dates, which I did. The last payment brought my account current. I am a few days late with my current payment, less than 30 days, yet everyday as early as XXXX XXXX  I received calls from BMW Financial. AT times 2- 3 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I called a couple of weeks after paying off the loan in XXXX and was told the title was in the mail and should have received it about ten days ago. Today I was told to call Massachusetts, no number, call MA DMV to get the title. I am not in MA and when I called the DMV I got the run-around. I took the loan out with BMV not the state of MA. The burden is on BMW to ensure I receive the title and their customer service was not helpful. I paid off the loan and have yet to receive the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2023 I mobile deposited a check in the amount of {$6400.00} addressed to my XXXX as I am XXXX XXXX XXXX XXXX XXXX XXXX  I previously had a business checking account with Chase and was unaware it was closed due to inactivity so the check went to my personal account. Once the check was deposited I received an alert that hold was placed on the check due to the payee name and was advised if the issuer confirmed the check could be paid to me as well the funds would be released into my account. The fraud specialist found the phone number of the issuer on their website and contacted the accounting department to verify the check can be paid to me as well. The account department confirmed it can be paid to me and my business. The fraud specialist stated a note would be sent to back office team and the restriction would be lifted same day within XXXX minutes. I attempted to use my account the next day and the restriction was still on the account. I called Chase fraud department again and they said back office would not remove it because the phone number was not verified in their system. They asked for another verified phone number and I gave them my clients corporate phone number to verify the check and they advised that was not a good number as well. I was advised to go into a branch and show proof that this is my business in order for the restriction to be lifted. On XX/XX/2023 I went into the branch and the branch manager verified my business from Secretary of State and verified my XXXX name that was on the check. I was told to reopen a new business account in order for the restriction to be lifted. I opened the new business account. On XX/XX/2023 I called and was told the restriction still will not be lifted because Chase still has to verify the check with issuer through a verifiable phone number not on google or the client website even after I went into the branch and provided all documentation. I advised these were the only phone numbers my client provided me with and this is my business and that a previous specialist has already verified with accounting. My client advised me that the check cleared their account on XX/XX/2023 which means Chase has been holding my funds for more than 14 days with no explanation and no sense of urgency to release my funds. I have provided all documents and phone numbers and this issue is still not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a vehicle from XXXX XXXX and tried to use my warranty but was denied. My car is not operational and it is going to cost over a XXXX dollars to fix but the company will not grant me my warranty. I have contacted them 5 times on XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not provide explicit written or permission for these companies that are listed below to report any information that you have on record. My rights and my privacy are being violated. I am demanding that you follow the laws 15 usc 1681c-2 which state that these accounts must be blocked and remove any information that I have identified as the result of identity theft. These accounts must be removed within 4 Business Days of receipt.

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 2023-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CashRepublic Holdings, Inc.
State: CA

Complaint narrative:
According to Omni Financials Non-disclosure agreement letter it states, " CREDIT BUREAUS : I understand that you MAY report information about my account to the Credit Bureaus and other appropriate entities as allowed by law. I understand that my good payment history as well as late payments, missed payments, or other defaults on my account may be reflected in my credit report. 

IAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated 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 this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party 15 U.S. Code 6803 - Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. 

As these law states that YOU ( Omni Fiancial ) must not report any nonpublic information to 3rd party affiliates ( experian/transunion/equifax ) unless given consent from the consumer ( ME ) via in writing or electronic signature every 30 daya. I'm also choosing the option to opt out of reporting such information to any 3rd party affiliates as per 15 USC 6802.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a complaint numbered XXXX on XX/XX/23 about credit reporting agencies releasing my mobile phone and email to the public without my permission. Currently I have been bombarded with hundreds of phone calls and a few emails XXXX XXXX weeks after filing the above complaint! I have tried to block every call I received, and I have kept a list of these phone numbers If you need them for evidence. This entire process is a massive case of harassment and an unethical business practice and puts the burden of stopping this on the consumer and not the businesses responsible. If your not going to issue a cease and assist to this, your must forward this to the appropriate agencies that have the authority to halt this process. While I was lodging this complaint I just received four unsolicited phone calls, you can't make this sh -- -- -t up!! 

Please take action and report back to me with your results and results of the agencies responsible. I can not be the only one suffering from this exploitation. I am a XXXX XXXX, working in the XXXX  and XXXX XXXX for over XXXX years, XXXX at the XXXX level, XXXX XXXX University level, and XXXX University level, my job was always to XXXX XXXX XXXX XXXX fight for justice and fair treatment, now its my turn! 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01 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:
When I reviewed my credit report, I discovered that some of my personal information was inaccurate especially the address. The following needs to be investigated and be corrected for erroneous reporting in my file : 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 2023-12-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, Equifax XXXX XXXX XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX Due to these inconsistencies this file must be deleted please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01 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: CA

Complaint narrative:
On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. 

All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX XXXX, XXXX XXXX Experian XXXX, - inconsistency! 

See attached Latest Credit Report dated XXXX for all 3 credit reports. 
See attached compiled XXXX of pages XXXX of Credit Report showing XXXX XXXX XXXX XXXX XXXX these inconsistencies this file must be deleted please.

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 2023-12-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: BSI Financial Holdings, Inc.
State: NC

Complaint narrative:
I have executed the Loan Refinance which exists the loan, with BSI Financial on XX/XX/23. The payoff amount was requested from BSI so that the title company XXXX XXXX XXXX would have the accurate amount to successfully wire the correct funds. However, BSI Financial continues to fail to send the accurate amount and still continues to try and charge me double daily fees to incur more money from me, so I'm never able to close the loan successfully and continues to defraud me out of my money in fees. 
Also, I've tried calling their customer support and service throughout the loan servicing and its been a horrible customer service experience and I hate working with this company and would never want anyone else to have to deal with this company. 

BSI Financial Services XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation