vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX Bank of America and their merchant service first data informs me of fraudulent attempts to deposit via credit cards that are fraudulently used. This started with 12 attempts by the end of the day they were 72. Play the beginning of XXXX there were over XXXX and within a few days it was up to XXXX attempts. The Bank of America says I have to pay a fee for each attempt of a fraudulent action that they knew on XX/XX/XXXX was occurring. After hours and hours of trying to reach people and discuss with him this issue Bank of America said give them 5 to 7 days to refund the fees. It is now 30 days past and theres no attempt to deposit back the money they withdrawal for fraudulent fees, they do not answer their emails anymore, and they are simply blaming us for fraud attempts on our checking account. Theyre taking out the fees put us too low to pay our bills in a timely manner. Theyre taking out the fees is now starting another month of not enough funds to pay our bills at all. This is on our foundation account, we have not received any donations for quite a while our big donors died of XXXX. We have not advertised recently but are planning an event at the end of the month. Not having our cash back is going to affect our ability to actually do a great job at our goals. We are in the business to save lives and they have destroyed our efforts. 
Im at my XXXX  XXXX trying to get someone to explain why they can take out fees for fraud that they knew and were the ones notifying me took place. Now they told me I could end up with more fees this month for the beyond the XXXX transactions. 
What are we supposed to do, how are we supposed to pay our bills if the Bank of America is going to charge for fraudulent transactions? Is this not something the government tries to stop? Can they just continue to charge me fees? 

This is also Bank of America XXXX XXXX ( foundation income ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-08-04 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 feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 non-monetary relief
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I feel taken advantage of since my disputes are being ignored! I have previously disputed this account, as it is evident that you are reporting false information. The opened date, the last reported date, and the last active date are incorrect!!! You fail to even verify this 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 2022-08-04 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX XXXX but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
M & T Bank XXXX  XXXX XXXX has purchased Peoples United Bank and will be converting over the United Bank checking accounts over the XXXX XXXX Weekend. As part off the conversion, there will no longer be access to the checks processed by United Bank prior to the conversion By access it is defined as to the check image both front and back sent by the checking account owner to the payable party. The hard copy statement does not provide the detail needed in resolving any inquiry or resolving a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: NE

Complaint narrative:
After disputing my personal information with Experian the inaccurate address is still showing on my credit report. Experian stats that they can not remove the address because its linked to some accounts that i have also disputed. I have forwarded my FTC report and still have not had success in removing this inaccurate address that i have never resided at. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2022-08-04 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is in violation of UCC code they were involved in a class action lawsuit for predatory loans on fair treatment of consumers I was one of those individuals they attempted to collect on a debt that was not valid and they have continued to report it on my credit report and I'm unable to dispute them because you're not allowed to continue to dispute a situation or a credit issue more than one time and I would ask that you do a complete investigation and keep me updated thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: PA

Complaint narrative:
Bought a car in XXXX they made about 13 hard inquiries but there was only suppose to be one inquiry then i applied for a soft pull prequalify and they more hard pulls again multiple times this year that i didnt authorize at all because im not in the market for a 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pen Fed offered a promotion for {$150.00} if you accepted paperless statements.

The offer is below.

I tried to get them to honor, but wasn't able to. 

XXXX XXXX Last chance to celebrate the season with an extra {$150.00} when you sign up for monthly recurring electronic payments on your credit card account and enroll in paperless statements.

HOW TO QUALIFY Log into your PenFed Online account and follow these two easy steps : 1. Set up Monthly Auto Pay Select " Make Payment '', set your payment preferences, then update " Frequency '' to " Monthly Auto Pay ''.

2. Enroll in paperless statements Select " Delivery Preferences '' under " Statements & Documents '' and update your credit card statement delivery to " Electronic ''. 

Your {$150.00} statement credit will appear on your XX/XX/XXXX statement. 

Dont wait! This exclusive member offer is only good until XX/XX/XXXX! 


Download the PenFed App Get it on XXXX XXXX  Download on the App Store Follow PenFed on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as web page DISCLOSURES 1. No purchase necessary. In order to receive the {$150.00} credit to your statement, you must complete both requirements during the promotional period ending XX/XX/XXXX for your account ending in XXXX : ( 1 ) sign up for automatic payments and ( 2 ) enroll in paperless statements. If earned, the statement credit will be applied to your account within two billing cycles of the offer end date. In order to qualify, your account must remain open, be in good standing, and not become delinquent. Statement credit can not be used to satisfy the required monthly payment on your credit card account and may not be redeemed for cash or cash equivalent. This offer is non-transferrable. Limit one statement credit per cardholder. Offer ends XX/XX/XXXX. 

Questions or comments? Contact us. 

This email has been sent to : XXXX. To change your email address, please log on at PenFed.org. This will ensure your official records are updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
I was approved 2 months ago ( XXXX of XXXX ) by the HAF for 18 months of forward payments. Despite being told this, and also being told that the payment was sent to my lender a week prior, the payment for XXXX was not applied to my account onthe due date of XX/XX/XXXX. I then called and emailed whomever I could at all organizations trying to figure out when the payment would be applied, as it was now past the due date and was just sitting there unclaimed. 

I finallygot an emailed response from someone at the XXXX, who is the companyresponsible for dispersing the funds to the lenders. The person I made contactwith at XXXX said they would reach out to their high level contact at Flagstar to have the payment applied and it was, within the hour. This finally took place eleven days past my due date. ( XX/XX/XXXX ) Fast forward to today ( XX/XX/XXXX ) whichis the second month of this. It is now 4 days past my due date and the payment has not yet been applied to my account again, despite Horne telling me that it was ACH transferred to my mortgagecompany a week ago.

My issue is that my lender, Flagstar bank, has these funds sitting in their coffers, and no one that I have spoken to at the company has any knowledge of the program, or how to then apply these funds to my account. Since the XXXX was able to almost instantaneouslyget the funds applied last month after an eleven day delay, I am sure there is someone at this company who knows what the program is and how to apply the funds, but I can not contact them. 

The person at XXXX is unwilling to divulge this info or to write to them again to get this payment applied. Every time i call, I have to tellmy entirestory from the beginning to the new rep, who then puts me on hold for XXXX minutes and comes back and sends me to another dept which is supposed to be the right dept. It never is and I just spendhours a day on the phone being passed around from wrong dept to wrong dept. The last time I called today, ( XX/XX/XXXX ) I was put on a lengthy hold, only to be hung up on. My only option would be to call back again, start over again, and experience the same stressfulfrustration. I need to knowwho I can directlycommunicate with at Flagstar to fix this recurring problem without all of the unnecessary stress and wasted time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Victoria 's Secret Credit card.paid bill in full in XXXX.at XXXX received a bill for {$2.00} when nothing purchased. Reported twice to get resolve and close account. On the XXXX on XXXX they sent me a questionnaire asking how I like there customer service. I in detail td them I want my account closed in no uncertain terms.this month they sent me a new bill with a {$6.00} charge on it. This account needs to be closed 100 %. Waiting you as last tesort.please close this account with no charges applied to me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, I have been a victim of identity theft and now I there is. Collection in my name from XXXX for XXXX and I need that to be removed from my credit because its affecting me in many ways. 
Thank you in advance and I hope this issue can be 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
I contacted Wisely about XXXX fraudulent charges made to my card totaling XXXX. These charges were made on XX/XX/XXXX and XX/XX/XXXX and made to XXXX by a person in California and I contacted Wisely on XX/XX/XXXX. I do not have an XXXX account nor their products, nor will I ever, anything XXXX is ridiculously expensive. A breakdown of the charges are attached. When I first contacted Wisely, I was notified that the process and investigation would take 2 week. I would be sent a document to sign and send back, which I did. 3 weeks after my initial contact, I contacted them again since I have heard nothing from Wisely at all. At that time, I was informed that it would take not 2 weeks, but a total of 3 months for the investigation and to get my money back! Every person I have ever spoken to about fraudulent charges got their money back usually within 24 hours, extreme cases were 48 hours. My case is an absurd 3 months!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IA

Complaint narrative:
I sent XXXX $ on XXXXXXXX XXXX XXXX by money Gram XXXX XXXX XXXX XXXX Iowa , but after 3days they did not delyvery to my family,,, in XXXX XXXX

Company response to consumer: Closed with explanation