vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has continuously miss the auto payment even after I have set it up with their representative. They said that my auto pay was canceled in XXXX but I never did this action. I called their representative and set up the auto pay again, the credit card bill was auto payed in XXXX, in XXXX the bill did not auto pay and so I was charged with late fee charge and interest charge on my credit card. Previous months I was able to get these refunded but this month they continue to say that my autopay was not set up and refuse to refund these fees and interest charges. They kept saying that they do not have access to autopay implying that I canceled the autopay myself, when I have not. When I called in XXXX I clearly asked the representative about wether the auto payment was set up for monthly and 3 days before closing date or not, and they said yes.

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 2023-04-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had reached XXXX bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

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 2023-04-18 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: FL

Complaint narrative:
Transunion is the only credit bureau that refuses to remove unverified information from my credit report. For the past two years, I have requested original documentation of a creditor, yet Transunion has not provided it to date. They continue to place a negative/adverse account on my credit report that is unverifiable, despite requests for valid info. This has not only lowered my credit score, but also prevented me from obtaining the best financial resources I can receive. They have refused to remove old information from my credit report and allow unauthorized inquiries. This is credit harrassment and bondage. I have a 780 - 792 credit score with XXXX and XXXX, however a XXXX with Transunion. Big Difference!! I pride myself on having a diverse credit mixture with a timely payment status.

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 2023-04-19 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive previously disputed account XXXX on my credit report and Experian continues to update the status of the account without verifying its validity and accuracy. Previously it was reported as open now it reports as discharged in XXXX  XXXX bankruptcy. An inaccurately reporting bankruptcy was removed from my credit report as of XX/XX/2023 due to its inaccuracy. Therefore, the reporting of this XXXX account is INACCURATE and is violating my consumer rights and hindering my credit score. Theres no way this account should be reporting as included in a bankruptcy that does not exist or belong to me ( per the deletion which shall remain deleted ). I am in the process of obtaining legal action against Experian for inaccurately reporting accounts on my credit profile.

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 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I sent my payment of {$710.00} on XX/XX/XXXX from my bank. I sent opened a dispute and on XX/XX/XXXX my case was closed because they were unable to find my payment. I submitted another dispute on XX/XX/XXXX and sent a fax with all of the information they requested. On XX/XX/XXXX I received a letter that my case was closed again because they couldnt find the payment. On that same day I submitted another fax with the information they requested. This is the third time I open a claim and I have decided to escalate the issue because it has been 3 months since the payment was sent.

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 2023-04-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}. Please update.

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Despite providing my current online login information, CapitalOne will not allow me access to my account unless I provide them my cell phone number. 

They state, duplicitously, that this is necessary to verify me. I say 'duplicitously ' because they can verify my identity in MANY other ways aside from my obtaining my mobile phone number. As is plainly evident, this is yet another example of the now ALL TO COMMON ruse incorporated by all corporates to collect customer mobile phone information because it is the most coveted/valuable piece of customer information available from a revenue/business perspective, none of which has to do with account security. Not coincidently it also happens to be the most highly valued piece of personal information I own from a PRIVACY perspective, on that hold in extremely high regard and NOT something I share with anyone involuntarily.

The plain fact is that : 1 ) I did not agree to provide my mobile information when I signed up for the account ; 2 ) There are a host of other means by which I can be verified, including but not limited to VERBALLY ON THE PHONE or VIA email, which ironically is used for ALL customer related communications.

The fact that they restrict access to my account unless I provide them this is nothing short of extortion, plain and simple. I find it shocking and mind boggling they and others are allowed to pursue this tack without recourse. What's more, I had THIS EXACT COMPLAINT several years ago to which they conceded error and corrected.

Unfortunately corporations in this country are permitted to act with impunity and free from accountability to an egregious extent, and it sucks that our Regulators and Regulatory Structure could not care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Phh mortgage service. I asked about a repayment plan. XX/XX/23. I then asked about a loan modification estimate being that I have became XXXX and struggling to pay my bills. I didnt like the terms. It keeped my payments the same interest the same but increase 10 years to the loan. so i did not agree to it. Spoke with Agent XXXX XXXX. She informed me that the loan modification needs to be canceled and was maliciously put into place without my signature. All is needed is a payment to agree to the terms she told me. And now they wont let me make my regular monthly payment from XX/XX/23. They are getting interest but refusing to let me pay since my last

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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rozlin Financial Group, Inc.
State: TX

Complaint narrative:
Rozlin Financial Group is reporting a collection on my consumer report that is harming my credit. I do not know them and I have never conducted business with them. Rozlin Financial Group Inc is either a third party debt collector or was assigned this alleged debt. I do not have a contract with them. 
They have seemed to obtained my personal identifiable information without my consent. NO CONSENT IS IDENTITY THEFT. I demand proof that I consented to them obtaining my personal identifiable information if they believe they somehow obtained it. I revoke any consent that Rozlin Financial Group think they have to obtain my personal identifiable information. This is also fraud. They have communicated with me numerous times to extort money from me I do not owe them. If they are a third party debt collector I demand that they send me proof of ownership of this alleged debt and proof of authority to collect. I also demand that this proof be sent by a natural person who will accept fully liability for harming my personal credit. I also demand the forward flow agreement/ purchase agreement if they purchased this alleged debt NOT BILL OF SALE. Rozlin Financial Group has also violated the Fair Debt Collection Practices act by not informing me of my rights within 5 days of initial communication with me.

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 2023-04-18 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: TX

Complaint narrative:
EXPERIAN is obligated by the FCRA to report accurate accounting. I, the consumer, have advised ALL the inquiries reported were fraud. Said company had four ( 4 ) days according to LAW to remove such items. I have filed a FTC fraud report in this regard. I, the consumer, is now requesting EXPERIAN to provide the documentation used to determine whether the inquiry was indeed authorized by the consumer. EXPERIAN has fifteen ( 15 ) days to provide me with the name of the person spoken to, documentation used, signed application with my wet ink signature. I am NOT asking for an e-oscar report and if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EXPERIAN XXXX : XXXX. With an address of XXXX XXXX XXXX XXXX XXXX CA XXXX United States and headquartered at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I will be filing form 211 treasury omb forms to audit said accounts. EXPERIAN is securitizing consumers data yet refuses to provide me a copy of my CONSUMER FILE, NOT CONSUMER 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 2023-04-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/ at XXXX I attempted to deposit {$450.00} cash into my checking account. The ATM XXXX for Citizens Bank at XXXX XXXX XXXX XXXX NY XXXX ate my deposit cash deposit. 

The bank refused to reimburse or debit my account these funds deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 had reached Equifax bureau, XXXX  and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Car was rented from XXXX at XXXX XXXX on XXXX XXXX 2022. My card was presented to the merchant for the cost {$110.00} to pay for rental in full. It was explained I would get a follow up bill for for toll by plate charges which was fine. 

On XX/XX/XXXX, the same rental agency charged my card again in the amount of {$170.00} for the same rental contract. I was already back in XXXX on XX/XX/XXXX so how could I rent a car again from half a globe away? 

Barclay has been contacted three times about the fraud and have done nothing to get it fixed. They have not asked for signed documentation for this charge and admitted that my card was not present with the transaction was made.

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 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Mr. Cooper is charging me {$53.00} every month for legal fees for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
- on XX/XX/XXXX the loan application for home buying for property in california was approved by Rocket mortgage - On XX/XX/XXXX the escrow process was completed, and the contract was signed with lender aka Rocket Mortgage - I called on XX/XX/XXXX about loan servicing and when it does start, i was first misinformed that loan doesn't start until 2 weeks, the loan started on XX/XX/XXXX, and i got no notification of it - I asked for documents, and i was given a run about - On XX/XX/XXXX I called my loan officer, and told them that i found the loan, and closing credits that i have got is not upto par what mortgage gives for similar profile customer, he tried to reach to Rocket Mortgage, and they deflected- I secure loan with 54 % downpayment on XXXX home value amount, and 798 XXXX  score, and least possible risk, but i was charged, and closing cost, which were substantially higher from my known contacts at Rocket Mortgage during that time period Loan Amount : $ XXXX Loan Rate : 7.5 % for 30 years, Closing cost : XXXX, XXXX This is especially when i had asked, can i least possible closing clost, compared to what is being given in market - Feeling uncomfortable about, i asked for Loan payoff on XX/XX/XXXX They started give me run around about closing, and finally gave me loan payoff statement on XX/XX/XXXX I was clearly told that during the loan payoff, that lien would be released immediately, and any pending funds in Escrow would be reimbursed in 10 days/ 2weeks I have proof of this statement - ON XX/XX/XXXX loan payoff was completed, and In the loan close off, they charged me fees, which were not in the original contact. 

- As of today they have neither released my escrow funds/overage on time ( it's been 2 weeks ), and also neither they have started lien release process over last 2 week i have made thorough follow-ups, over phone and email, and they have misinformed me in several different emails and when confronted that i have document for above details for release of lien and funds, they mentioned that website portal was wrong, some emails were wrong, but now they are right.

Also for Fees on closing, they mentioned that is to record with county to release lien, and in the original contract only the fee to record original sale was mentioned for borrower, and when i mentioned that, they said this should have been clarified before signing contract This doesn't make sense, as that by standard, anyone can leverage any bogus fee Releasing of lien is fiduciary/legal responsibility, and operating procedure for lender when they have been completely paid off .... 


- They also responded on giving loan conditions, and loan promotions, as it's upto them, which makes no sense, as that by very standard " discrimination is random '', and this has happened in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I see credit cards in my credit report that I have not opened in my name I expect that it is fraudulent activity someones been using my identity

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 2023-04-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Several student loans was opened XXXX have disputed these loans XXXX XXXX XXXX and XXXXOne was on XXXX XXXX with Navient and DEPT OF ED/XXXX The amount is $ XXXXThe 2nd one is $ XXXX also disputed an account opened with XXXX XXXX XXXX for {$1900.00} last reported XX/XX/2023 XXXXthe original creditor was XXXX XXXX, I did not give them permission to give someone this information, The last one is XXXX XXXXXXXX for a credit card that was opened for {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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 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 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate 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