vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, I opened a checking account and deposited a {$300.00} check drawn off of XXXX XXXX. I was told that a 1 business day hold would be placed on the check and {$200.00} would be released and the other {$100.00} would be held for an additional day. I expressed that I need access to those funds and I could easily cash the check if the hold was going to be longer. I was assured by branch personnel that the hold would not be long. At approximately XXXX XXXX  after business hours, I received a hold notification stating my check would not be released until XX/XX/2020. I called the branch the next morning XX/XX/2020, and was informed that the hold was placed because the check could not be verified. I advised the branch that the bank was a small community bank in XXXX and they could verify the funds verbally. I was told that Bank of America does not verify funds verbally. However, the branch manager stated that she would look into this situation and get back with me ASAP. Additionally, I expressed to the branch that I detrimentally relied on the information and had I known there would be an extended hold I would have just went to XXXX XXXX  and cashed the check. On XX/XX/2020, I called Bank of America 's customer service and spoke to several members. I was told by a manager of customer service, XXXX, that there was nothing that could be done regarding the hold. The hold would still be on the account and that the check could not be returned to me because it was already processed. Also, I was told that the check would not be released earlier. The manager advised me that even though I was told the check would be released after 1 business day, I should've know the check was going to be held longer because that information was stated in the 70 page disclosure handout given to me when i opened the account. In this instance I feel that Bank of America 's banking practices are deceptive and misleading and the information regarding my check violated Texas consumer laws. As stated earlier, I relied on the information the branch provided to my detriment and suffered dearly.

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 2020-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Nationwide Mortgage Bankers, Inc.
State: MD

Complaint narrative:
ON XX/XX/2019 XXXX XXXX OF NATIONWIDE MORTGAGE BANKERS INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2019. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$520.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Nelson and Kennard, LLP
State: CA

Complaint narrative:
Nelson & Kennard have failed to follow proper protocol even after advised of mistakes and irresponsible handaling of legal documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I opened an credit card acccount with Bank of America based on a zero ( 0 ) %  finance charge for 18mos on a balance transfer. When the account was established my line of credit was set at {$7000.00}. On or around XX/XX/2020, Bank of America lower my line of credit to {$5000.00}, without any notification or justication. I have never missed any payments, have have excellent credit score above 747, no deliqencies or bad debt listed on any credit reports. 

Bank of America had refused to acknowledge or justify the lowering of line of credit, told me they would have to place an hard inquiry on my credit profile to increase line of credit. 

I believe Bank of America decision to lower my credit was based on racial annums and profiling and targeting of XXXX American consumers. Bank of America offered balance transfers with high line of credit only to turn around to lower consumer line of credit with full intention to lower consumer to affect their debt to credit ratio and lower their high credit scores. 

In addition, Bank of America has been charging late fees for ontime payment fraudlently over charging their customer fee. 

I want to file a formal complaint against Bank of America for targeting minorities with high credit scores and intentionally using their product to lower credit score by  lowering credit limits without legal justification and notication to consumer.

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

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 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

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 non-monetary relief
Consumer complaint received 2020-02-07 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: IL

Complaint narrative:
I was a victim of identity theft. I submitted my police report and all my findings from the detectives to all the credit bureaus since XX/XX/19. I have been sending in numerous letters. This would be my 7th letter to the credit bearueas to try to resolve this. This is taking a toll on me and my family. 

Its two accounts that are left. XXXX XXXX and XXXX XXXX XXXX. These accounts are not mine. I called both creditors and they both informed me that they can not associate these accounts to me. I asked Transunion to send whatever information they are using to verify this debit and they have yet to send me anything. I have a right to know how this is being verified. If the creditors are NOT associating me with this how is Transunion. These accounts have been deleted off my other credit bureaus but Transunion is giving me a hard time. 

Also -- XXXX XXXX XXXX on my credit report is also reporting inaccurate. This account is closed/charged off. why is it reporting open on my credit report? When I contacted the creditor they definitely told me that this account is not open and has been charged off. Please delete this account it is inaccurate. 

XXXX XXXX-Inaccurate reporting ; Please delete I reached out to XXXX XXXX  to verify this debt because this is not my debt. I called XXXX XXXX and they stated that they do not have sufficient time to investigate the alleged debt, nor do they have any information associating me to it. What information are you finding to verify or associate me with this debt? Please send me your proof you are using. Please delete if you are not able to send me viable proof that this is my debt. 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 2020-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AIH Receivables Management Inc.
State: MO

Complaint narrative:
Asked the company on XXXX and XXXX for a list of debts in writing, stating I never got a letter even saying I was going to collections. They refused saying " we just don't do that ''. Also asked me to borrow money from my parents and then tried to claim my tax return even though it isn't filed yet. I also asked for receipt of payment and was also refused, saying they only confirm a debt has been closed. Also asked to write a check and they refused to give me information to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Home Point Financial Corporation
State: NJ

Complaint narrative:
We are currently in dispute with Home Point Financial. They have been sent an Affidavit and Invoice for violations they have committed pursuant to 15 U.S.C. 1692g.

Copy of Affidavit, and proof of their receipt are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I asked Navient to provide MPN for my student loans that they service. After sending several certified letters I filed a complaint with CFPB. Navient has responded to the complaint through CFPB. However, the information they provide to the CFPB complaint vs the loan details of my account with them are inconsistent. In the complaint they state that they service 16 federal stafford loans disbursed to the University XXXX XXXX and one Federal consolidation loan. None of the loans from my Navient account have the University XXXX XXXX  as the school money was disbursed to ( see attached ). My account indicates that loans were disbursed to The University XXXX XXXX  Navient also has 2 consolidation loans on the account, but in the response to CFPB say they have one ( see attached ). However, Navient has incorrect information and details about my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: NY

Complaint narrative:
i did a debt settlement to resovle my debt it got reduced and i paid up the amount they agreed to they where suppose to take the derogatory mark off my credit off my report and my husband XXXX XXXX report that was 4 or 5 years ago its still not off its dragging our credit down i have submitted complaints it never gets removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: STATE FARM BANK, FSB
State: CA

Complaint narrative:
State Farm Bank is reporting a balance of 6,000+ to my credit report and its affecting my account. This account was not opened by me. I was a victim of Identity Theft but the company is still reporting this negative balance to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi I opened accounts ( checking and saving ) with TDbank based on an online promotion of XXXX $ if I do certain deposits during a specific time window. I did all the requirements but when I asked for my promotion money they kept giving me different excuses, first they said Im not qualified for a new account promotion and I should apply for a pre-existing account promotion ( which is lower than XXXX $ new accounts promotion ) I contacted them stating that I opened my account based on the new account promotion and Im not interested in changing the offer. Then they said ok will give you the promotion money in 2-3 weeks. I waited 3 weeks but they didnt get back to me or deposit the promotion. I contacted them but this time they just said you are not qualified because you need to get the promotion by mail! Which is totally absurd first when I opened the accounts I asked if I am qualified? and they said yes, second the offer is online all the time and nothing is said about the mail, third the account was opened in XX/XX/2019 and I contacted them many times and never mentioned that. Thats not acceptable and not fair for the other banks who have other promotions and are honest about them. 
I have records of my secure messages with the bank in case you need them. 
Please let me know if you need any more information. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NC

Complaint narrative:
In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in 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 2020-02-07 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: NC

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XX/XX/XXXX and they is INCORRECT!! Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XX/XX/XXXX-XX/XX/XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07 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: NC

Complaint narrative:
In XXXX, XXXX XXXX wrongfully repossessed the car. The exact payments were made to prevent repossession and they were made via XXXX XXXX. XXXX XXXX XXXX XXXX confirmed receipt of the payment and confirmed the account was then current and no further action was required. A few days following, the car was repossessed from my employment. After speaking with XXXX XXXX, they apologized for the repossession and said I had to pay to get it out. They confirmed that the car should have never been repossessed because they could see the payments were made. At this time, XXXX XXXX XXXX XXXX was not cooperating and said I would have to pay the repo fee in order to get the car back. At this point, I sought an attorney. Within a few days, they were able to retrieve the car. The car should have never been repossessed nor should I had to hire an attorney to resolve. Lots of Money, time and energy wasted hit time was of the essence in retrieving the car in a timely fashion. Everything was then paid directly to XXXX XXXX XXXX XXXX through the U.S. Bankruptcy Court Trustee-Case # XXXX. Upon looking at the credit reports, XXXX XXXX has provided incorrect payment history, payments made and the amount past due. They have waited 3 years to provide incorrect information. Also being one of the victims that fall under the most recent class action lawsuit where XXXX XXXX wrongfully added insurance on the car payments and extra interest, clearly further proves their integrity and dishonesty as a company!! There is no balance due for this account, nothing past due and no other collection activity should be listed on this account. I have attached the reportings and it shows payments were made in XXXX and they is INCORRECT!!  Everything came from the trustee and needs to be corrected and or deleted. The trustee provided on time payments from XXXX XXXX. There is no past due amount Remaining. One report showed XXXX past due and now its XXXX the car was only XXXX and purchased back in 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