vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX or the XXXX, I deposited {$1000.00} in a Bank of America ATM and they have never credited my account. I did not realize this until the XXXX of XXXX. I immediately called Bank of America and filed a complaint about the incident. I frequently deposit cash at this ATM at Bank of America. I have never had a problem with doing this until now. I have been a customer of Bank of America for 27 years. I deposited that amount to cover some of my bills. I can't afford not to have that money. I am on a fixed income and XXXX. I am not trying to scam anybody. I want what is due me. In the meantime some of my bills came through and they paid them but hit me with fees which I feel in not right. This has not been my fault. They hit me with 4 fees of {$35.00}. I called them to remind them that there is a claim against them and they should not be charging me fees. I wanted all of them reversed. They said they could only do 2 and not 4. I was very upset over this. So then I receive a letter from the claims resolution department regarding the claim. They denied it but on the other hand the letter states they found the transaction that I referenced but unable to locate any record of cash or additional cash being deposited. What the ATM made it up. If that was true the ATM should have been short. They don't mention that. I called them and told them how the letter makes no sense. The gentlemen agreed with me so he opened the claim back up for further investigation. Since then I have not heard anything from Bank of America. I requested all documentation they used to deny me at first. I have not received anything. In their letter they offer but I guess not. It has been difficult. In the meantime I am out that money and I had to put of paying some bills. I am really concerned about all of this. They should have not charged me those fees until the case was resolved. It is only fair. So it continues without a word or letter from Bank of America. They made me feel like I was a criminal or something. I believe there are videos at the ATM. They are going to have to check them to see that I am not lying. Why would I? Something happened at the ATM and I don't know what but it did not credit my account. I am sure that this not the first time something like this has happened. 
I did receive a letter from a different gov. office that I sent my complaint to and it was not the right office. They referred me to your office. I have sent a copy of the letter that Bank of America sent to me to you so one can see. I sent it out on XXXX. This whole thing is a mess but Bank of America needs to do the right thing.

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 2022-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
An accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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.

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 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to 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 non-monetary relief
Consumer complaint received 2022-05-04 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My issue is with Experian I have been disputing these 2 accounts reporting on my credit report that are not mines. 
Experian tells me they have verified that accounts are mine. 
I asked how did they verify that accounts are mines, they ignore my request. 
I have expressed my right to 15 U.S.C 16881G. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I requested a debt validation information from Midland Credit Management, they have failed to respond to my request which is a violation of the Fair Credit Reporting Act and as such they must remove said account from my credit report no later than 30 days from the date of receipt of my letter. I requested this information as I have not received prior to them attempting legal action, also the accounts they claim to own have a binding arbitration clause which they have violated. I formally request the removal of said account and cease of collection practices. 

This company has been known to engage in deceptive and illegal debt collection practices and have been fined in the past by several state attorneys and consumer protection entities including this one ( CFPB ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  XXXX  XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX  - Account Number : XXXX / XXXX/XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting and XXXX  Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - XXXX XXXX FIN XXXX Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX  / XXXX Date : XXXX/XXXX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / Reason : I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date XXXX XX/XX/XXXX / I don't recognize this inquiry - Creditor Name XXXX XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX  / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Reason : I don't recognize this inquiry - Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX / XXXX don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX / I don't recognize this inquiry - Creditor Name : XXXX Inquiry Date : XX/XX/XXXX - Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Account Number : XXXX / XXXX - Account Number : XXXX / XXXX  has violated my rights 15 U.S.C 1681 sections 602 A : States I have right to privacy 15 U.S.C 1681 sections 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am a victim of identity theft I notified both the collection agency and credit bureaus and the account keeps popping up on my credit report I sent out multiple letters requesting the removal no one has gotten back to me about this it's been over 4 months now. The credit bureaus keep validating a debt that is fraudulent on my credit report with another name not belonging to 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 2022-05-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX, 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

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 2022-05-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
1. XXXX XXXX XXXX XXXX {$760.00} {$200.00} 2.XXXX XXXX XXXX XXXXXXXX {$570.00} 3, XXXX XXXX XXXX XXXX {$560.00} 4, XXXX XXXX XXXX XXXX {$140.00} 5. XXXX XXXX XXXX {$130.00} 6, XXXX XXXX 7.XXXX  XXXX XXXX XXXX ( XXXX ) 9.XXXX n accordance with the Fair Credit Reporting act XXXX Accounts 1-9, 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

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 2022-05-04 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
The reason why I am submitting this complaint is because there is a late payment reported on my account on XX/XX/2021 and I would like to explain what happened and let you know that this was not my fault, however, my financial life has been a mess since this late payment appeared on my account. 

There was a third-party company that was supposed to make the payments on my behalf. This payment of {$750.00} that was scheduled for XX/XX/2021, didnt get processed due to a glitch in this companys system. I couldnt login to my Nordstrom account to check the payment status. 

I was not aware that the payment didnt go through. In my mind, the payment was on time, as normal. I had the money to pay and I did all that was in my hands to pay on time, but this was something that I could not control. 

When I realized that I was reported late, I decided to contact this company. I am being very affected due to their error. When I contacted them, they apologized and sent me a letter explaining what had happened. By that time, I was already marked as late. 

Please see attached : Letter from third-party company as proof of their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX : Account # XXXX -XXXX XXXX XXXX  : Account # XXXX XXXX XXXXE XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent

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 2022-05-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act the following companies/account ( s ) ; -JXXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXXI : Account # XXXX -XXXX XXXX XXXX XXXX Account # XXXX -XXXX XXXX  XXXX : Account # XXXX have violated my rights as a consumer. 

15 U.S.C 1681 section 602 ( A ). states I have the right to privacy 15 U.S.C 1681 section 604 ( A ) sec. 2 states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DC

Complaint narrative:
After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX  Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due. 

After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which states, " Your due date is at least 25 days after the close of each billing cycle. WE WILL NOT CHARGE YOU INTEREST ON PURCHASES IF YOU PAY YOUR BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was. 

Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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

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 2022-05-04 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: EQUIFAX, INC.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  Account # XXXX, 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting acXXXX XXXX XXXX  Account # XXXX, 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

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 2022-05-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX # XXXX # XXXX 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

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