vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Albert Corporation
State: ID

Complaint narrative:
I signed up for Albert on XXXX where I then signed up for Albert XXXX for the year. This service cost {$66.00} for the year and would grant me cashback offers if I have a direct deposit. There were no limits on what I could spend on to get my cashback. For the past 6 months, I have regularly been going to stores, activating cashback for that store, and buying a gift card from that store. That worked flawlessly up until XXXX XXXX  I had visited XXXX, activated my cashback offer at XXXX, and bought {$50.00} of gift cards. I should have received 10 % of that, or {$5.00}, within seconds of my purchase. However, I did not receive any cashback. I texted support later than day and they said to wait for the transaction to settle and you will get the cashback. The cashback still hadn't posted by today XX/XX/XXXX so I messaged support. Support said that they no longer offer cashback on gift cards. There was no mention of this anywhere in the terms, and I was able to get cashback on gift cards on XX/XX/XXXX. This policy change was never described to me, and results in a significant negative impact on my use of Albert. I have practically no use anymore for Albert and would like my {$5.00} cashback and a refund on my Albert subscription.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/2016 an authorized check was put through my account and then my ability to make deposits was revoked. I shut down account

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 2023-02-06 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: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I financed a XXXX XXXX through Hyundai Motor finance on XX/XX/XXXX and made final payment on XX/XX/XXXX. As of date I have notified by personally calling said finance company to get the lien released. As of todays date XX/XX/XXXX I have been unable to get the necessary papers from them to release the lien and therefore receive a clear title for my car. After numerous phone calls and still unsuccessful, Im asking for your help to get this company to release the lien on my car.

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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
Truist will not release our funds and close our account without personally visiting a Truist branch, claiming the account is dormant. We've been accessing and monitoring the account for years virtually. We live in XXXX  and the closest branch is states away. They are holding a LARGE sum of our cash and paying pennies per month. Closing our account should not require expensive travel. The bank refuses to make any other accommodations for us to move our cash.

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 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
TransUnion is defaming my character and ruining my reputation by furnishing erroneous information on a consumer report without my authorization/consent. TransUnion is in direct violation of the Fair Credit Reporting Act. The information TransUnion reporting is inaccurate and unfair. On XX/XX/XXXX I applied for a personal loan with discover and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a financial product with XXXX Bank and was denied because of the inaccuracy and unfairness that is being reported by TransUnion. On XX/XX/XXXX I applied for a house and was denied because of eviction records that are being reported by TransUnion, I contact the XXXX district court and they stated " The XXXX district court does not report to any credit bureau '' ; TransUnion is not respecting my privacy, court records are private to me and I have a right to privacy under the privacy act of 1974 as amended, 5 U.S.C. 552a. On XX/XX/XXXX I contact TransUnion regarding the erroneous information that is being reported without my authorization/consent and informed the agent that the information is inaccurate and unfair. I have been severely disadvantaged by TransUnion, which has caused me injury damages, mental anguish, and XXXX XXXX. ****SEE ATTACHMENTS FOR PROOF****

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOMEOWNERS FINANCIAL GROUP USA
State: AZ

Complaint narrative:
My name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number is XXXX XXXX XXXX XXXX, I started to build a house with XXXX XXXX. They could not do my loan because my business was just recently opened, so they referred me to XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I got XXXX XXXX as my loan officer. In XXXX XXXX XXXX, once interest rate started going up, I decided to lock my rate, I put down ~ {$5400.00} as a deposit for lock rate extension. Fast forward, last month, XXXX XXXX started to collect my documents to get ready for the closing date on XXXX. He asked for 2 months bank statements, the last rental statement ( the house was rented out in XXXX ), and profit and loss statement from my business. He also gave me options for interest rate of 5.75 % ( which I was locked for ) and 6.5 %. At the time, I was already got approved from Home Owner Financial Group. 1 week after XXXX looked at all my documents, his concern was about my last rental payment of {$1900.00} ( it was {$3300.00} before ). He was worried about the high debt ratio that would affect my approval to the loan. On the other hand, he kept pushing me to pay for the appraisal. I got so confused, I wrote an email asking if my rental will affect my approval to the loan, and if he can send me decline letter. He called my next day and telling me that he will not give me the decline letter and I am approved regardless my high debt ratio. He was so rude and unprofessional, I told him I would not want to pay for the appraisal on a situation like this ; what if I would not get approved by the under writer and loosing my appraisal money. He told me to send in a new lease agreement which I do not have since I have no tenants at the moment. All he cares about is to move forward with my loan and put me to a situation where I can not get my deposit back and loosing my appraisal. On the other hand, he never sent the loan estimate which I kept asking for 3 times ( XXXX time via email, 2 times via phone calls ) He only provided emails in which some of fees included. This is totally against the law, not to mention about giving approval without taking a look at my file after knowing my tenants broke rental contracts. This is totally a FRAUD and SCAM. Please assist with this situation. I want my deposit of lock rate extension back. They are desperate of making money but not putting heart and professionalism into their work. XXXX even yelled at me in the phone. SO UNPROFESSIONAL, RUDE, AND LACK OF KNOWLEDGE. Never recommend them to anyone.

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We want to contact your office and tell you that Wells Fargo continues to block access to any options to save our home. We filed complaints last year against this company because they were making mistakes on the bankruptcy payments we had made and they took it very seriously and finally gave us the proper information. They also told us that they would be willing to review our family for loss mitigation options. Our situation is much better after Covid. My husband is working full time and I am working full time. Also two of my adult sons live with us and are contributing to the family bills. Our combined income is now over {$10000.00} per month. When we talked to Wells Fargo they said they would review our case if we have had a significant change in income. They denied us back in XX/XX/2022 when things were much worse. 

We collected all of the requested paperwork to show that we make more money and that we want to try and save our house but the Wells Fargo re-entry team said no, we don't care that you have doubled your income, we don't care that you want to save your house, we don't care that you might qualify for help, we are done with you. This is wrong. We believe with this large increase in income that we can afford a fair payment so that we can get back on track with our mortgage and Wells Fargo. We believe we at least deserve the chance for them to LOOK AT OUR PAPERWORK instead of just shutting us out. We are very frustrated with this company. We have tried very hard to work with them and pay them and did the bankruptcy so that we could pay them back over time, which worked until XXXX came. Now after XXXX we are doing much better and want to resume payments and I know we are far behind but we make a lot more money now so we feel they should at least look at and review the current financial situation to see if there are any programs we qualify for to save our house.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. 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 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
In XXXX XXXX XXXX I go into pnc bank and was told my account has been frozen some lady called from another state and froze my account and told me the bank was closing my account because my friend went into another pnc bank and added cash into my bank account also I had a open dispute opened and they did not follow the correct percedure to settle it instead they closed my account and took XXXX  out of my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TN

Complaint narrative:
IC System at XXXX XXXX XXXX XXXX MN XXXX has been hounding me to collect a final bill for my deceased daughter XXXX XXXX XXXX told me with a death certificate and alll equipment returned, there would be no charge for final bill. 
When IC System since the first collection notice I called XXXX to verify that the death policy was correct. It was confirmed it was. I sent XXXX this information and they continue trying to connect. This time they sent a disconnect notice and verification of the account in a copy of a XXXX bill. 
I called XXXX again and they have no account under either my name or XXXX nor the address or phone numbers. We have no account with XXXX and havent since she died last year. 

They also have tried to collect for XXXX XXXX XXXX. I believe they are a predictor company preying on survivors. Please help. 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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need the CFPB to investigate the reporting practice of XXXX!!! You guys just keep sending my dispute to them and it's not getting resolved, I need CFPB to do their OWN investigation at this point. Please explain to me how this charge off account 's balance keeps increasing?? I just received a notification that the balance has increased by {$200.00} from XX/XX/XXXX to XX/XX/XXXX. Where's the interest or fee coming from that's resulting in the balance continuing to increase!!! This appears to be illegal as the account is charged off, I feel they violating the Fair Credit Reporting Act. They report that it late every month as well. This is unethical, I AM ASKING THE CFPB TO INVESTIGATE THIS ASAP. The balance is now more that what it was when if was charged off!!! Has the car been sold?? This is crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-06 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: NJ

Complaint narrative:
Dear Experian, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the Metro 2 credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

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 2023-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
there was a class action suit against Wells Fargo for over charging on auto loans from XXXX thru XXXX and my loan was from XXXX and is still in effect. I am trying to see if my account was effected by their actions

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 2023-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX BANK XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
So initially I was sent a text message from a place who claimed to be capital one attempting to find a security deposit on the capital one secured credit card I had applied for. I funded the security deposit or what I had thought was a security deposit of {$200.00} to this apparent credit card with the word sky in it ... Like XXXX  or something along those lines. I was told as soon as I sent the deposit I would receive the card. Have not received it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT

Complaint narrative:
Problem XXXX : I called to see if I had an FHA loan, or conventional loan. I was told it was FHA, and it Rushmore is saying it is conventional, but will not provide the the promisory note that was supposedly signed in XXXX of XXXX. I was forced to refinance to take my ex-husband 's name off the mortgage, when if my son could've assumed the loan, that was our financial preference as the interest rates were much lower, and I could continue to pay extra in the principal, thus paying my loan off faster. I would like this investigaged because Rushmore Loan Management is unable to provide a promisory note supporting their claim that my mortgage is no longer an FHA loan. 

Problem XXXX : UNRESOLVED. I had to call to get my 1098 statement. The statement was provided to me on XXXX " XXXX '' or that's the date the company is using. I uploaded the document on XX/XX/XXXX. When I did so I observed that they had a greatly reduced amount that I had paid in my taxes. My taxes did not decrease by 50 %. Given the refinance, I am aware of my taxes. I called, and requested another 1098. They provided the same 1098, is someone stealing money? Each phone call is over an hour. The first part of the call connects you to a call center. This person says, " I will connect you with the correct department. '' I asked the name of the department, and the person repeats, " I will connect you with the correct department. '' Is it that they're grossly negligant and unable to run a company.

Company response to consumer: Closed with explanation