vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX my landlord recieved an check from Bank of America XXXX XXXX XXXX XXXX XXXX in the amount of {$1400.00} and this value was removed from my checking account overdrawing it into a negative status. 

The checked bounced when my landlord attempted to deposit the check on XX/XX/XXXX. 

I called the bank and I was told they were retrying the payment and the check would clear into my landlords bank account within XXXX business days. This never occurred. 

My checking account was brought into balance of {$6.00} on XX/XX/XXXX when I added funds from my paycheck as a deposit. That same day the bank sent me an email stating that a stop payment was placed on the check on XX/XX/XXXX. 

XX/XX/XXXX - XX/XX/XXXX the funds for the check in the amount of {$1400.00} remained out of my checking account. 

XX/XX/XXXX - XX/XX/XXXX I made XXXX different calls to Bank of America XXXX XXXX asking for help without resolution. I was told to call Bank XXXX XXXX XX/XX/XXXX and when I did they claimed they did not have any information for me and they accused my landlord of " pocketing '' the funds. When I explained that my landlord sent me financial documentation to prove the funds were never recieved the employee refused to address the matter further. 

XX/XX/XXXX I was told an Bank of America " XXXX  '' would call me to fix the situation and an offical dispute case was opened. XXXX XXXX called me on XXXX  and left a voice mail stating to call him XXXX  but that " my information '' did not match the information he had, I did attempt to make contact with him on Bank XXXX XXXX XXXX and by calling the number he provided but I was not able to speak to him. I was also told I would receive the funds back as a temporary credit but they could not tell me when. 

Today is XX/XX/XXXX and I called once again to Bank XXXX XXXX XXXX. XXXX from New York spent an hour on the phone with me. He stated he called XXXX the vendor Bank XXXX uses and they referred him to Bank of America XXXX XXXX Department which is closed today XX/XX/XXXX. 

Today XX/XX/XXXX the funds have not been paid to my landlord nor returned to my checking account. This has placed myself and my XXXX children at risk of loosing our home due to a bank error which can be fixed easily with a temporary credit while the bank reviews the errors which caused the fund not be returned. I have spent approximately XXXX hours attempting to resolve this via phone call. 

Essentially the bank has stopped payment on a cashiers check, taken the funds from my checking account, and refused to return the funds to my checking account for the past XXXX weeks.

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 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A credit card was open in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 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: AZ

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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my EQUIFAX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i ( 5 ), they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2, they are supposed to 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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.

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 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting an account to my consumer report that they no longer own and the debt has been paid to the collection agency XXXX in which is the new debt owner I have including documentation that this debt has been paid to XXXX and that XXXX XXXX should no longer be reporting

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 2024-08-25 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Improper Use of Credit Report Dear EQUIFAX, `` To Whom It May Concern '' I am writing to formally address an issue regarding the improper use of my credit report, in violation of Section 604 of the Fair Credit Reporting Act ( FCRA ). My details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I discovered today that Equifax deleted my positive credit card XXXX XXXX Between XX/XX/XXXX and XX/XX/XXXX from my credit report. I opened this account on XX/XX/XXXX. I've had this credit card for 1 years, 3 months.the This card needs to be put back on my Equifax credit report. Equifax obtained my credit report without a permissible purpose. based on my report that was improperly accessed. This situation is concerning because it violates my rights under the FCRA. Equifax also shared my social security number and personal information with FICO Fair Isaac and Company without my written consent.

I seek confirmation that you will cease any further use of my credit report without valid authorization and rectify any negative impacts this may have caused.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX they confirmed they did not delete my credit card account from my credit report CFPB PLEASE HOLD EQUIFAX ACCOUNTABLE FOR THIS ACTION BARRING ON MY CREDIT WORTHINESS

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
I have been trying to get a refinance on this loan and use my credit that is now better than when I signed the loan agreement. The loan has a reported payment history of XXXX  months at a rate of $ XXXX which should total to around {$12000.00}. The amount that is reportedly paid is {$3000.00}. This is not allowing me to get a refinance because the underwriters will not approve based on the amount reportedly paid. The interest of the loan is at 25.18 % and I'm currently getting offers at below 10 %. I have been getting good offers but have been denied based on this situation. I have sent XXXX or XXXX disputes so far only using XXXX XXXX and so far I have seen no result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
INFORMATION ON MY CREDIT REPORT THAT DOESNT BELONG TO ME/ INACCURATE!

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 2024-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union
State: NM

Complaint narrative:
I applied for First Tech Federal Credit Union on XX/XX/year> and received a secure message from First Tech asking for a clear copy of my social security card and drivers license. I provided this information to them. They stated my social security card wasnt clear enough. I told them that was the best I have at the moment but would get back to them. Their initial email stated I had 10 days to provide them with the documents yet they denied me the next day. So I applied again on XX/XX/year> and provided a very clear copy of my social card and drivers license. They denied me again on XX/XX/XXXX citing information from my XXXX report. I wrote them back asking why they denied me based on this as I can see my XXXX credit report and that they made a soft inquiry. All of my information I used to on my First Tech application was the same as on my credit report. They did not respond. The denials were manually done by a person as the emails came in hours or even days after application, at the end of the application process it stated it was under review, and the denial emails came in on the weekends. So its whoever was working on the weekend. In the mean time my wife XXXX XXXX XXXX had applied for First Tech, they asked for the same documents, and she provided them. They denied her several times as well stating information from her XXXX report. Her information on her application and credit report was the same and correct. The credit union states anyone can become a member several ways one being a member of the XXXX XXXX XXXX which you can join during the First Tech application process. This was the option we both chose. 

We are listed as each others spouses on our credit report. Considering there is no valid reason for denial we would like this matter investigated. We believe we have been denied based on discrimination. The Equal Credit Opportunity Act prohibits discrimination based on XXXX XXXX  and gender identity. There is someone working at First Tech Federal Credit Union who we believe is violating this law.

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 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX these accounts are not mine please delete these accounts immediately. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 States a consumer reporting agency cant furnish an account without my written instructions. Please delete these accounts immediately.

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 2024-08-25 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: MS

Complaint narrative:
I was looking over my credit report and saw I had some accounts that wasnt mine am a victim of identity theft. Account XXXX XXXX XXXX account number XXXX and XXXX XXXX  account number XXXX these accounts are not mine please delete these accounts immediately. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 States a consumer reporting agency cant furnish an account without my written instructions. Please delete these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have disputed these " debt buyer '' to validate these debts and they have failed to do so. They did not provide me with binding contracts, receipts or any evidence that I have to pay them. According to 15 usc 1681e ( b ) that anything report must be accurate or it must be deleted. What was provided that everything was certified that is was accurate or updated, how was that done? I requested a reinvestagation but nothing changed. I believe these companies as well as the CRA has violated my consumer rights.

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 2024-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXXXX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail

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 2024-08-25 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: DISCOVER BANK
State: MD

Complaint narrative:
XXXXXX/XX/XXXXXX/XX/XXXX I was a victim of identity theft and called to have these inquiries removed but to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
AFTER MULTIPLE MAILED IN DISPUTES, INACCURATE, CLOSED AND FRAUDULENT ACCOUNTS AND INQUIRIES ARE STILL ON MY CREDIT REPORT. I AM REQUESTING THEIR IMMEDIATE REMOVAL UPON RECEIPT OF THIS NOTICE.

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 2024-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: GA

Complaint narrative:
Submitted borrower defense cases in late XXXX due to the schools XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX being accused of misleading students along with false promises. Borrower defense cases were approved in XX/XX/XXXX. Have been trying to get a resolution from the Department of Education and my loan servicer ( EdFinancial ) for the last year. However when reaching out to either one, they immediately start pointing at the other company for resolution. Was informed by XXXX on XXXX that a refund of {$5300.00} was to issued. However that money has not been received in full. The loan servicer and Department of Education keep changing the amounts at random. Latest amount was on XXXX XXXX in the amount of {$2300.00}. Of which only {$1500.00} has been received. Department of Education and EdFinancial are refusing to honor written documentation from them in the correct amounts. Court documents attached show that all of the students loans and credit repair was to be completed by XX/XX/XXXX. However this has not happened. Legal documents have been filed by the XXXXXXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc.
State: SC

Complaint narrative:
ACCOUNT # XXXX Whats up Just wan na let you know XXXX XXXX that debt you mentioned under the Fair Debt Collection Practices Act XXXX XXXX for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX XXXX Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.

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 2024-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
My mortgage loan was transferred from XXXX to Shellpoint Mortgaging Services effective XX/XX/XXXX. My XX/XX/XXXX mortgage payment was paid to XXXX. My XXXX mortgage payment was paid online to Shellpoint Mortgaging Services on XX/XX/XXXX. On XX/XX/XXXX I received an Annual Escrow Account Disclosure Statement - Account History showing s contractual payment of {$730.00} with an increase to {$890.00} due on XX/XX/XXXX. On XX/XX/XXXX I received a Mortgage Statement with {$2200.00} due on XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XXXX - XX/XX/XXXX indicates no activity. included in {$2200.00} was a fee of {$830.00}. The {$830.00} was listed as " Other Fee '' balance ( details below ). XXXX XXXX : Code Violation. XXXX has not indicated that there was any code violation or fee owed of {$830.00}. In dispute this charge as well as the statement on the form of overdue payment. So far in the span of 2 weeks my mortgage has gone from {$730.00} to {$830.00} ( XX/XX/XXXX ) to {$2200.00} ( due XX/XX/XXXX ) .I was with XXXX XXXX XXXX for XXXX  years and never had the problems I'm having with Shellpoint XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I had a capital one bill that I did not receive and it occurred charges. I paid the bill today however I have over {$290.00}. No one would assist and it is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
according to law 15 USC 1692 ( c ) clearly states that : if a consumer notifies a debt collector that the consumer refuses to pay a debt teh debt collector must cease all communication

Company response to consumer: Closed with non-monetary relief