vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 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: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/23 I went to BMO Bank in the XXXX XXXX area of XXXX, Illinois. The purpose of my visit that day was to open a business banking account. 

Upon meeting with a relationship specialist I was immediately given a flyer about a business line of credit product for minority companies that bank with BMO. This was unsolicited by myself. I was only there to open a business banking account. 

After being hounded by the relationship specialist and branch manager about the benefits of the product BMO offers, I finally relented. I was told my XXXX credit report needed to be unlocked. I was told there would be a soft pull on my credit to determine my worthiness for product. 

I was confused why BMO needed to do a soft pull on my personal credit for a business credit product. When the credit pull was performed it was a hard inquiry, which I did not want or anticipate. 

Ultimately I was declined the business line of credit product. The reason was combined business and personal income was inadequate for the loan amount requested. 

My issues are as follows : Never was told this product would require a hard inquiry. 
Never filled out, completed or signed an application for this business line of credit product. 

When I asked BMO for my completed and signed application I was never provided any documentation. Then I requested that BMOs resolution department remove the inquiry from my credit report when BMO was unable to provide my signed application for the business line of credit. The resolution team refused to remove the inquiry from 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 explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Nations Info Corp
State: NJ

Complaint narrative:
Never signed up for keep taking money out of account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am writing to file a formal complaint against American Express for alleged wrongful debt collection procedures. I believe that American Express has engaged in unjust and and complex 9legal proceedings against me, including the issuance of garnishment orders, imposition of unexplained fees and charges, which have caused significant financial distress and violated my consumer rights. 
I will provide a summary of the issues i have encountered. 
1. Garnishment orders : American Express has initiated garnishment orders to collect on debt without reasonable attempts to negotiate a repayment plan. These garnishment orders have been issues without proper explanation and i was not afforded the opportunity to dispute the debt 's validity.

2. Unexplained Fees and charges : American Express has imposed fees and charges on my account that lack transparency and clear justification. Despite repeated request for clarifications, i have not received a satisfactory explanation for these additional charges/costs.

3. Complex Legal Proceedings : American Express has employed complex and confusing legal procedures in its debt collection efforts. These proceedings have made it difficult for me to understand my rights and options, further contributing to the stress and financial burden of this situation.

I believe that American express 's actions are in violations of consumer protection laws and regulations, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd- Frank Wall Street Reform and Consumer Protection Act.

I kindly request the Consumer Financial Protection Bureau to investigate this allegation and take appropriate actions to rectify these issues. Specifically, i am seeking : - A through investigations into American Express 's debt collection practices - Assistance in understanding and verifying the legitimacy of the garnishment orders issued against me - A clear breakdown of all fees and charges applied to my account - Enforcement of consumer protection laws and regulations to ensure fair and transparent debt collection practices. 
I am prepared to provide additional documentation and evidence to support my claims and facilitate your investigations. 
Also, i would like to mention about previous malpractice by Amex and complaint against it didn't stop them to do the malpractice. 

REFERECE Previous Complaint against Amex XXXX XXXX XXXXXXXX Please do not hesitate to contact me for any further information required. 

I appreciate your attention to this matter and your commitment to safeguarding consumer rights. I eagerly await your response and the resolution of these concerns and stop Amex to do malpractices mentioned above and previously complained. 

Thanks for your support and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have a XXXX Credit Card . It has the benefit of upgrading my Marriott elite status to Platinum after spending {$75000.00} in a year. I have reached the spending requirement, however, Marriott has not upgraded my elite status. 
Chase asked me to contact Marriott. However, Marriott also asked me to contact Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
In XX/XX/XXXX, when I was going through my mortgage process, I was told that I needed flood insurance. They then provided me with insurance from XXXX XXXX. Since then, my mortgage company has changed to PHH Mortgage. In XX/XX/XXXX, PHH Mortgage, increased my bill from {$1700.00} to {$2600.00}. I called and questioned the almost {$1000.00} increase. They told me that back in XX/XX/XXXX, unbeknownst to me, my flood insurance went from {$430.00} to {$7700.00}. PHH Mortgage nor XXXX XXXX notified me of the increase. PHH Mortgage took it out of my escrow and left a negative balance of more than {$4000.00}. They said I should've noticed it in my statement, but PHH Mortgage promotes paperless billing and the use of an app which was recently updated and only really highlights what I should pay each month. PHH Mortgage says that they only do reevaluations in XXXX and that it has already been 5 months since the change was made. I will have to pay the increased mortgage until the XXXX is paid back and my escrow is in good standing ( Good standing being about XXXX XXXX  at this point since the flood insurance is so high ). They didn't have any updated information for me to contact XXXX XXXX. When I finally got in contact with XXXX XXXX, they told me the same thing. They offered me a premium for {$3500.00}. They said that I would have to pay upfront on top of {$7700.00} in order for me to get a refund. They will not tell me how much they can refund me unless I pay and then cancel. I'm assuming since the period is almost halfway over then they will only offer me half the amount, which means I will get nothing back. For me to get a new flood insurance, I would have to come up with about XXXX XXXX  within the year. When I took out my home loan, they verified my income to make sure that I would be able to pay my mortgage and now it seems as they are deceitfully trying to make it so that I'm not able to pay it. XXXX XXXX claims to be giving me a FEMA/NFIP quote but I contacted FEMA and they are saying this is not true. PHH Mortgage or XXXX XXXX  or both might be preying on new homeowners that don't understand that private insurance companies are able to inflate their premiums at any point without approval.

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 2023-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES
State: NJ

Complaint narrative:
My original mortgage with XXXX XXXX XXXX  # XXXX was sold to a company called Land Home Financial Services Inc as of XXXX of XXXX. I had automatic payments set with XXXX XXXX and all payments were made and I have never been late. I never received any notification from the new mortgage processing owner. On XX/XX/XXXXXXXX   I finally received a statement adding 'FEES ' to my mortgage monthly payment of XXXX, which they claimed are fees owed to them. I contacted the company multiple times via telephone, without any resolution. They do not have a website to see your mortgage or payments. I continued to submit my monthly mortgage payment via check because this incompetent company of loser does not offer web based payments, so it is like the XXXXXXXX XXXX where you have a mail a check to California. I have made my monthly payments and yet I keep getting a statement for XXXX without any explanation. The few people which answer phones are rude, ignorant and careless. They said XXXX XXXX just recently credited my accounts but they have not made any adjustments for those fake 'FEES '. I am raising this complaint and will move forward with litigation.

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 2023-10-25 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:
XXXX, XXXX A SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 A SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-10-25 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:
XXXX, XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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  SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I tendered a full payment to this company on XX/XX/2023. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. When I went to a branch, they dont even have the account listed on my report in their system. I am asking for two things.

1. Verify that account exists and a debt is owed.

2. Verify that payment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: LA

Complaint narrative:
This company is still reporting a bankruptcy that isnt mine after the 3rd party company they use to verify public records have told them it isnt mine and provided a letter that states to such. I have been dealing with this company and this problem for 4 years and Im ready to take legal action if its rectified this time. I have attached an FTC and the XXXX XXXX Letter showing they removed it from their database as not mine.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX , FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1969 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: NY

Complaint narrative:
calls daily from various phone numbers listed across the country. The name that shows up on caller ID is First Credit Ser ( vices ). Never received any notification from company, no explanation. I do not want to engage personally as this is totally unknown entitiy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
My credit union has been spooling me for 50 years could u check them out? I am in the process of switching to strictly savings to have better control!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I have a late payment showing up on my account. I was never late so I'm not sure how this got there but it is effecting my score and my ability to get the best rates on a home loan. The account has since been paid and gone but i would like the late pay removed or show me how i was ever late since i was on auto pay. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I tendered a full payment to this company on XX/XX/. The tracking number for this payment is XXXX XXXX XXXX XXXX XXXX. They have not updated this account or responded to me to acknowledge that they have my payment even though the package was received and signed for. I am ask

ing for two things. 1. Verify that account exists and a debt is owed. 2. Verify that payment was received.

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 2023-10-25 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: LA

Complaint narrative:
This company is still reporting a bankruptcy that isnt mine after the 3rd party company they use to verify public records have told them it isnt mine and provided a letter that states to such. I have been dealing with this company and this problem for 4 years and Im ready to take legal action if its rectified this time. I have attached an FTC and the XXXX XXXX Letter showing they removed it from their database as not mine.

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 2023-10-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I received an American Express gift card from my employer on Tuesday XX/XX/23 at XXXXXXXX XXXX worth {$100.00}. 

I tried using it at XXXX and it was declined. Tried again and it was declined. The total amount I was trying to purchase was {$52.00}. The card has {$100.00} on it. I checked my balance on the gift card and it was now {$99.00}. 

I immediately called American Express and the lady apologized and told me the XXXX cents would be put back on my card in 24 hours. 

I woke up this morning and checked the balance and now it was down to {$99.00}. I called American Express again. Second time. The guy apologized and told me to wait 24 hours. Called a third time around noon today and the lady told me to wait 24 hours. Called a fourth time, was told the same thing and finally called a fifth time at XXXX and was told the same thing and now Im messaging you.

Company response to consumer: Closed with explanation