vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchaed my home in XXXX. Since that time my lender has been Suntust Bank. Late XXXX I was notified, that Truist Bank would be taking over my mortgage account. Which was fine until XX/XX/XXXX when I received a letter from Truist stating that they would be changing the date of escrow analysis from XXXX to the month of closing. In my case that is XXXX. They also informed me in that letter that I would be responsible for paying any deficieny of the escrow account at that time. 
My escrow analysis is in XXXX, so of course there will be a shortage as now they are analyzing 8 months in advance. 
This is a way to make sure homeowners like me are forced to either come up with additional money or have their mortgage amount increase significantly due to the bank changing the rules to fit their needs. 
I called Truist two times and both times I was hung up on my the service representative and was told that the escrow department does not speak to customers.

I asked that I pay my taxes and insurance myself and they stated since I had an FHA loan this was not allowed and that I could refinance. AGAIN not an acceptable for financially beneficial decision to make.

The rep stated " I should have known the terms of my FHA loan when I bought the house '' I am fully aware of the terms! What was not in the terms is that if a financial institution takes over your loan that they can basically strongarm you into the rules they make up as they go.

This change will not only effect me, but I am sure thousands of other Suntrust customers. This seems like a great way for a bank to inflate a mortgage payment to an amount that a family has worked hard for will no longer be able to afford. Therefore leading to forclosure on a property the bank can now take over with a market vaule 10Xs what they bought the mortgage for. This is unacceptable.

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 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
THIS IS NEW INFORMATION REGARDING XXXX AND XXXX Account # XXXX I have have summitted the Cease and Desist letter recently as they have just received/signed it on XXXX so XXXX can not say I sent the same information before. I am waiting for the letter XXXX claim they sent on XX/XX/14 which I requested to cease all communication as well the Debt validation including the audit trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: MO

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future 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 non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received my Target Bill ( XXXX ). I paid the entire bill on XX/XX/2022. 
The following week i tried using the card to purchase Gas and the Target Master card Declined. I contacted Target.com/MYredcard and called XXXX. 
I was told suspicious activity was noticed. They said i don't normally pay this amount at one time. They froze the card. I was told to call my bank on a three way line with them on the line listening to verify my bank account after they already received payment from my same account, same Bank i have been using to pay the Bill for years. My Target account has a zero balance owed.

Target refuses to open the card for my use. I'm being Penalized for paying off the card and having a zero balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and others have refused to explain why my score bounces up and down. They give me the standard reasons that make no sence at all. I have never had a missed, late or not made a payment. I did exactly as they told me, get more credit but every time I do my score goes down. They told me I should get a mortgage so every time a mortage company checks my credit I loose up to XXXX points even after I am told it won't affect my credit. Now how is that fair to be penalized just for someone checking my credit? I am XXXX It Takes months to get back the points they steal in XXXX seconds. I will be dead before I can buy a House. I am living in a friends driveway in my Motorhome. I don't want to live like this. PLEASE DO SOMETHING with the credit reporting Company 's.

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 2022-03-16 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: MO

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 non-monetary relief
Consumer complaint received 2022-03-16 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: MO

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Upon review of my consumer report I noticed Capital One Bank is reporting collection activity for 2 accounts ending in XXXX and XXXX. After further review I found out the debt was sold to a XXXX party collection agency whom I've never contracted with or gave any consent to have my personal identifying information that's IDENTITY THEFT. Nor did I give Capital One Bank consent to sell my personal identifying information. The 3rd party agency then tried to collect money from me on a debt that was already paid for when Capital One Bank wrote it off on their books. The IRS defines chargeoff as income so if Capital One Bank wrote it off and reported the debt to the IRS how can they double back and sell the very same debt they reported as a loss? Seems as though Capital One Bank is committing fraud. As well as AGGRAVATED IDENTITY THEFT aggravated identity theft occurs when someone knowingly transfers, possesses, or uses without permission, identification of another person, and then uses that identification during and/or in relation to the act of a particular felony violation. So let me get this straight Capital One Bank wrote off and sold the exact same debt ... .then the 3rd party collection agency contracted with and paid XXXX XXXX XXXX, and XXXX to report the alleged debt all in an attempt to coerce a federally protected consumer into paying by way of debt parking and extortion. Which is racketeering and a federal offense. Capital One Bank is contracted with XXXX under the XXXX application on their site so everybody involved has something to gain except the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: MD

Complaint narrative:
I was making payments on this account and began wondering why the balance wasn't going down. I reviewed the contract and realized the interest rate is 169 % which according to Maryland Law, is illegal. This interest rate needs to be reduced. No one could ever pay this off!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies have violated my rights. 

15 U.S.C 1681 section 602 A. states that I have a right to privacy.

16 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX  ( Finance ) XX/XX/2021 XXXX  XXXX  XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Bank ) XX/XX/2021 XXXX  XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX Auto ) XX/XX/2021 2021

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: MN

Complaint narrative:
I have a mortgage with Home Point Financial that includes an escrow account that pays for homeowners insurance that I had set up with XXXX. Home Point failed to pay the {$120.00} insurance premium when it was due on XX/XX/XXXX and the policy was cancelled. I first noticed that the policy had lapsed on XX/XX/XXXX and obtained a new homeowners insurance policy on XX/XX/XXXX and paid the new {$310.00} premium out of pocket. Since Home Point could not be trusted to pay the insurance premium on time, I asked them to remove the insurance payments from the escrow account on XX/XX/XXXX and on XX/XX/XXXX they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: MIDFIRST BANK
State: AZ

Complaint narrative:
Turned off overdraft payments. Company says I opted out of overdraft but not out of overdraft on automatic payments! 

Charged be XXXX overdraft on XXXX cent automatic payment for XXXX cloud. 

they MAY reverse it. Haven't yet.

That said, how can the CPFB let them charge a XXXX percent interest rate on a 1 day loan in this instance. How is this NOT usury. I'd love to hear this. 

they also charged me a XXXX overdraft fee on a large auto payment, of XXXX which they should have rejected. 

I'll get it reversed one way or another. But for me, they're taking advantage of the poor and people that can't fight this like I will. I feel bad for people who are scraping by, and have banks take advantage of them like this!!

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On or about XX/XX/2021, I wrote a letter to Experian, XXXX and XXXX, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at Experian, XXXX and XXXX, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.

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 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: LA

Complaint narrative:
On XX/XX/2022, my house was completely destroyed by fire. My insurance company sent me XXXX checks totally {$350000.00} to cover the loss. However, as is common practice, both my name and the name of the mortgage company, " Cardinal Financial '' were listed on the checks. Per their instructions which appear on their website, I endorsed both checks and overnighted same to them with a letter requesting that they endorse the checks and use some of the funds ( roughly {$140000.00} ) to pay-off the mortgage. Per their documentation from their website, I included a voided check for them to return the balance of my insurance monies ( about {$240000.00} ) by ACH to my checking out. After not receiving any funds from them after the mortgage had been paid off for a week I contacted them and was told that my money was placed in a now defunct escrow account, and per their policy, they would hold the funds there for 15 days before " mailing '' them by regular mail to me. I told them that checks are often stolen from mailboxes in my neighborhood so that was not the best option. When asked why they would continue to hold my money for 15 days AFTER the mortgage has been paid off ( which is a total of 24 days ), the only answer I was given is that " it is their policy ''. This has got to be against the law. What right do they have to keep my money from me for any length of time that they choose? I believe they are holding my money for the purpose of collecting interest on it, as I can not see any other reason for them to hold my money from me. Then, in contradiction to their own documentation, they are telling me that they MUST return the funds to me via regular mail. Which of course, will take an addition 7 days for me to receive, that is, if no one steals it out of the mailbox. These big companies should not be allowed to XXXX XXXX with other people 's money. I have included their documentation explaining their Loss Draft Process which says NOTHING about them holding my money for 15 days, and that my funds can be returned via ACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I have paid off my vehicle but I have received a letter stating they are going to repossess my car BUT it shows the amount due is {$0.00}. Furthermore, I called numerous times and the " executive office '' agreed nothing was owed. They called back and I agreed to just settle this to stop the harassment. They stated they would wipe out {$490.00} leaving me with around {$600.00} I was willing to pay to end all of this nonsense. I called back to confirm amount owed and they never took off the {$490.00}, stating I owe over {$1100.00}. Furthermore, even though they claimed to have the ability, they refused to pull the call that the rep ( with more seniority than a manager apparently - XXXX XXXX XXXX ) advised me my principal is {$0.00}, they have the letter showing the amount due is {$0.00} and they will wipe out {$490.00}. This extortion is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I began calling Aidvantage on XX/XX/2022 and now as of XX/XX/2022, I have not been able to reach customer service on the phone. Each time I call the line disconnects when transferring to customer service. Aidvantage put me in a IDR program that makes my payment double the regular payment and they said the only way to fix it is to put the loan in repayment and call them back. Now that it is in repayment they will not answer their phone. XXXX XXXX keeps sending me back to Aidvantage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person. ''

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In XX/XX/XXXX, I opened an account with Care Credit. After using it the first time, I made arrangements for autopayments. I was advised in an email that I would receive monthly statements. No monthly statement was ever sent, either to my email address at the time ( XXXX ) or my current email address ( XXXX ). Oddly enough, I have always received solicitations to use the card or otherwise increase the balance. Because I naively assumed that making the payments in good faith and in reliance upon their promise to send monthly statements, I was unaware that my promotional offer had ended and interest would be retroactively charged. When queried, I was advised by their consumer representative that that information was on the statements. This is a scam. They don't live up to their end of the bargain, assuming people will forget about the change in terms when they don't get a monthly statement, and then be socked unwittingly with ridiculous interest charges. I objected and continue to object to the interest charges. I paid the remaining balance of the principal ( {$1100.00} ) on XX/XX/XXXX and advised Synchrony Bank ( the issuer ) that I will make no further payments pending resolution of this matter and their unfair consumer finance practices.

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