vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
On XX/XX/31, Mr. Cooper experienced a cyber attack and shut down access to their systems. It is now XX/XX/XXXX, and Mr. Cooper has not updated their website with information regarding the steps they are taking to return to normal operating procedures. They have not provided the scope of the attack, nor any confirmation if data was accessed by the hackers. I can not call, I can not chat online, and the only way I can communicate with the company, seemingly, is by mail. This is an urgent situation that I do not feel the company is addressing in an urgent manner. They are functionally radio-silent on how they are protecting their consumers ' data. I have a right to demand proper treatment of the data they have for me and manage on their systems. Mr. Cooper has the most intimate details of my financial well-being, including Personally Identifiable Information like my address, social security number, and family details. It is utterly unacceptable that a company of this size can treat this information with impunity in response to the second cyber attack in 18 months this company has failed to prevent. It is negligent and morally reprehensible that I can not communicate with this company in a concerted effort to protect my information 's integrity. Furthermore, or perhaps even more egregiously, they have processed my mortgage payment while their systems are inaccessible, without confirmation or assurance that their systems are secure. This is grossly negligent and a cavalier way to treat their client 's rights as consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX reported me 30 days later for the month of XXXX. I believe I made my XXXX payment on that day as well. My dispute with them is 30 days havent gone by before you reported me being 30 days late for the month of XXXX. I called and a representative from their company agreed I was told to dispute with XXXX credit bureau. Ive done this twice and they didnt agree and havent removed the 30 day late payment. I need this removed immediately 1 because it isnt true and 2 because it dropped my score XXXX points. I hope you can help me. 

Thank you

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 2023-11-06 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: CA

Complaint narrative:
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX located in XXXX, CA. During this purchase, I traded in my XXXX XXXX XXXX to XXXX XXXX. XXXX XXXX offered to give me the payoff amount for my trade-in, and we concluded the transaction the same day without issue. On XX/XX/XXXX I was auto-debited for my monthly payment on the XXXX XXXX . After two weeks, Hyundai Motor Finance had not processed the payment from XXXX XXXX, and by extension XXXX XXXX XXXX, to release the lien and transfer the title to XXXX XXXX. At the time, I was not concerned as I knew I would be reimbursed. Two days later on XX/XX/XXXX, Hyundai Motor Finance processed the payoff from XXXX XXXX, and my account was closed by Hyundai Motor Finance. I waited for my refund check from Hyundai Motor Finance. 
After approximately 3 months I called Hyundai Motor Finance and reported I had not received a check. They told me they would issue another check. I waited another month ( XX/XX/XXXX) and called again to report I have not received a check. They said they would issue another check. I wanted another month and called Hyundai Motor Finance again after not receiving a check. This time I was escalated to a supervisor who reported that XXXX XXXX has to request the check as XXXX XXXX overpaid for the vehicle by definition, and that XXXX XXXX has to refund me. I was explicitly told that the Dealer has to call in. I gathered information and communicated with XXXX XXXX. 
I then began communications with XXXX XXXX, Controller for XXXX XXXX, and she has been attempting to assist me. Throughout the entire process, Hyundai Motor Finance has continued to delay, and misdirect XXXX XXXX and still has not made any attempt to refund XXXX XXXX, XXXX XXXX XXXX, or myself. XXXX talked to multiple different reps, including XXXX and XXXX, and got varying responses. XXXX was then told that they could not help her as the customer would have to be the one to call in. This goes against everything I was told. I then attempted a final call in XX/XX/XXXX, at which point I talked to XXXX XXXX He said he would resend the refund check to XXXX XXXX XXXX and would follow up with me in XXXX business days. XXXX XXXX never called me, and XXXX checked with XXXX XXXX XXXX and they never received a check. 
It now has been almost 1 full year, and Hyundai Motor Finance is continuing to engage in deception and fraud as to not return an over payment. All that I ask is that I am refunded the money I am owed by Hyundai Motor Finance, which amounts to around {$560.00}.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received my consumer reports and noticed they're showing a late payment in XX/XX/2021 and my account was never late. I've reached out to the company multiple times and never got a resolution. Consumer Report Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I was never late on payments for my Bank of America Auto Loan Account Number XXXX. Please investigate and provide proof with statements showing that this payment was late. If proof can't be provided I demand these payments be updated to on time as they should be because I was never late. Thank you.

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 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I paid this account with the agreement it would be removed from my XXXX  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 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one bank had been withholding XXXX overpaid credit amount posted on XX/XX/XXXX that my boyfriend had sent into my account, I stopped work & owed a balance on my credit line. The rest of the amount has not been sent back to me i asked them why they are withholding it, they gave me no further information on why. They have held it for a month now with no explanation. They told me that I need to submit documents that's wasn't necessary & didn't made any sense, even with calling back for more information on it a representative wouldn't have that information written on notes that that's what I'm requested for to receive my money after I had spoken to a supervisor that claims that he writen it down in notes for the representatives to know the updates with my account situation. I even sent out a letter to the manager on XX/XX/XXXX to request my overpaid credit amount to be sent to me through check within XXXX business days, but they have seemed to refused to a check hasn't been sent on its way to my address yet. And received a voicemail call from a manager stating that they received my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: LA

Complaint narrative:
Upon review of my Transunion and XXXX credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my transunion report I request to have these fraudulent inquiries investigated and removed XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXXXXXX on XXXX On my XXXX report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX  ) on XXXX and 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXX XXXX XXXX XXXX in XXXX, Account name : XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bell Global Solutions LLC
State: FL

Complaint narrative:
I filed a complaint against this company with you on XX/XX/2023 and the complaint number is XXXX. I never received anything from this company in writing about the debt. The calls did stop for short time and this morning they started back up again. They have removed it from my credit report, but I fear that they will put it back there. This company has not responded to the complaint I filed with you in XX/XX/2023. Make them stop calling me if you can or if not can I take this company to federal court and sue them

Company response to consumer: Untimely response
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act, this creditor, " CAINE & WEINER '' has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Multiple letters have been sent to XXXX XXXX XXXX to provide proof of ownership but no documents have been presented where I signed an agreement with their company. I've asked them to remove the accounts from my credit report since I do not owe them anything but it has yet to be done. They are reporting that I owe {$750.00} for a XXXXXXXX XXXX  charge and {$980.00} for a XXXX XXXXXXXX XXXX charge.

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I recently pulled my credit file and noticed unauthorized inquiries on 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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2023, I went to the local branch of TD Bank to close two accounts and withdraw a CD that had matured because of a long history of terrible customer support. The final event that prompted me to close my accounts and go elsewhere was as follows : On XX/XX/2023, I closed a safety deposit box, a day before the next term began. I asked the officer to make sure I would not be charged for another year, and he assured me that would not happen. He said he had already recorded the closing out of the safety deposit box. But on XX/XX/XXXX I was charged {$150.00} for the next year rental of the box I had already returned. It took 4 months and several emails to the branch manager, XXXX XXXX ( See attched ) and a visit to the branch to finally get the {$150.00} refunded. That is when I decided to close my accounts and move elsewhere. 
On XX/XX/2023, I initially went to the teller. But then I was referred to a bank officer, a woman whose name I do not recall. She apparently had responsibility for investments. She tried really hard to retain me as a customer. But my mind was made up. She finally filled out the paperwork to close the accounts and went and got me the cashier checks for the two closing accounts and the matured CD. 

In XXXX I received a statement from both accounts saying that the accounts had - {$9.00} and- {$9.00} negative balances respectively due to Maintenance Fee for the accounts I had closed! I ignored the statements and threw them out in the hope they would get themselves straightened out. Then in XXXX I received two more statements that added another - {$10.00} in Maintenance Fee to each account. 

Then on XX/XX/2023, I received a letter ( see Attached ) saying the account was overdrawn and is being closed to further debits. It asked that I call XXXX to discuss your options. I called the number and explained the situation. The agent asked me to hang up so she could call in a code to verify my identity. I received the code and soon a callback from the agent. Before I could even give her the code, she explained and I quote : I understand that youve got the code but it tells me I cant go forward here with the code Ill have to refer you to the branch to get some assistance ( I have a captioning phone because I am XXXX XXXX so I am quoting ) I told her that I would do nothing. That it was their mistake and they had to fix it, not me. She then said, Im so sorry that you filled ( sic ) that way I wouldnt take that route I would visit the branch so this doesnt affect your credit in any way. To which I replied that if my credit gets affected in any way by their screwup, I would suit the bank in court. 

Not only have they failed to close the account, now they are threatening my credit! Unbelievable!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear, Equifax, XXXX, and XXXX at : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ] -XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX ] -I am writing to dispute the following information that appears on my CREDIT REPORT for the following reason : -Reporting companies have been able to sell my personal information unlawfully and allowed to report improper Charge-Off/Collections freely to other credit collection companies without my consent or without being in contract to my Credit Report And obtained or used for purposes that aren't allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The accounts currently on my report are false a not mine they are not on the other bureaus and they need to be removed as soon as possible File number ( FTC ) other a. XXXX XXXX nor did the bureaus send proof that debt was mine, nor did they offer any correspondence. 

This creditor has violated my rights in contravention of the Fair Credit Reporting Act. Specifically, the creditor has infringed upon my right to privacy as outlined in 15 USC Section 1681b, Section 602s. Additionally, under 15 USC Section 1681, Section 604a, subsection 2a, the creditor is prohibited from providing information about my account without my written consent. Furthermore, under 15 USC Section 1666b, a credit issuer is not permitted to categorize a payment on a credit card account as late for any reason under an open and consumer plan.

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 2023-11-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
My student loan servicer was Great Lakes and now it is Nelnet- when my student loans were with Great lakes they were consladated and payment was {$230.00} a month prior to XXXX. I now have multiple loans showing on my credit report and when I try to call NELNET their recorded answering service states call volume is high and wait times are XXXX plus minutes, I have tried to create an online account but when I enter my information online I'm told it does not match their records when I try to chat I'm told to call when I call I'm on hold and never put through to a live person but when I enter my social securtiy number I'm told my loan is out standing and payments are over {$500.00} a month! I've never been sent a statement and still trying to reach the company to find out why XXXX loan is now multiple since they became my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, a client paid me {$4300.00} for my services as a XXXX The client placed a fraud alert on the wire because I hadn't responded to him quickly enough to his liking to confirm payment was received. Bank of America then placed a hold on my funds. I contacted the client to ask him what was going on and to show him all of the work carried out for his case. He apologized profusely, agreed it was not fraud, and called his credit union to release the funds on XX/XX/XXXX. On XX/XX/XXXX, my client again called his credit union to make sure the funds were released. 

On my end, the funds were still on hold. On XX/XX/XXXX, my client went to his credit union in person, and XXXX XXXX from his credit union sent a message to Bank of America asking that the funds be remitted as the remitter and beneficiary have reached a resolution, and asserting that the remitter ( my client ) wishes the funds to be sent. 

I faxed written confirmation of this from the credit union to Bank of America and was told that I would see a resolution by today, XX/XX/XXXX. I just got off the phone with Bank of America and as usual was given vague non-answers. I am told that they are " waiting for some sort of legal documentation, I think '' from my client 's credit union, but they could not specify what document ( s ) exactly. I have offered to call the credit union on conference to resolve this issue. 

My money has been held hostage for over a month at this point and I have provided proof that the client wishes to remit the funds. Bank of America has said that the funds are being held by the credit union, but they are not. The funds have left my client 's account and are in limbo with Bank of America. 

I have numerous other documents to show this is not fraud : myriad e-mails between myself and the client, a signed contract, and proof of work carried out. I have no idea what to do at this point and am incredibly frustrated that nobody at Bank of America is taking ownership of this issue affecting a loyal customer. It is demoralizing to know that my money can be held by a bank and I am left without recourse except calling and speaking to anonymous customer service representatives who can do nothing but " add notes '' to my 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