vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was not able to log into my online banking, when I called them they said it was because my accounts were being closed. I did not receive any information or notification whatsoever. I had deposited my fiancs payroll check on XX/XX/XXXX. This is a company that I have received and I have deposited several times into this account over the past few years. The bank claims that the issuer of the check said the check was invalid but the issuer of the check said the funds cleared their account XX/XX/XXXX. I have been with Bank of America since XXXX. I have had the same primary checking account since then and have an additional XXXX accounts which include my business accounts. The bank has frozen all of my accounts are going to close them. This is completely erroneous and they refuse to appeal the decision. I have never had a problem with them, never written a bad check, never gone overdrawn. Meanwhile, they have over $ XXXX of my money that I can not access I can not pay my mortgage, car loans, insurance, NOTHING! Every person Ive talked to has not helped I have provided them with the contact information for the companies payroll department and nothing has been done to help 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 monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Rushmore Servicing took over servicing my mortgage last year, and they continually fail to apply the additional principal iI pay each month in a timely manner, therefore they hold it in an account and when I catch it, they do not refund the interest they overcharged me. The XX/XX/XXXX payment 's additional principal was not applied until I caught it in XXXX of XXXX. They did not refund the interest they overcharged me. 
In XX/XX/XXXX I sent a check for {$250.00} to pay for the escrow shortage, and they did not apply it till I called them XX/XX/XXXX. They held it in an account and couldn't figure how to apply the entire amount to escrow. That caused me to be charged additional interest as well. I wrote another letter, and they said they corrected but said my next payment is due XXXX. If it were done properly, my next payment is due XXXX. 
I have called at least 6 times and the call center people just can't seem to get it straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: PA

Complaint narrative:
I was reviewing my credit report and notice XXXX pulled XXXX credit reports back-to-back without my knowledge and consent in XX/XX/XXXX & XX/XX/XXXX and this error is affecting overall credit profile.

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was reviewing my credit report and notice XXXX pulled XXXX credit reports back-to-back without my knowledge and consent in XX/XX/XXXX & XX/XX/XXXX and this error is affecting overall credit profile.

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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HW Holding, Inc
State: NH

Complaint narrative:
In XXXX of XXXX my wife and I were renting an apartment through an on post company while stationed in a military installation for {$990.00}. In XXXX, unbeknownst to me, the company began overcharging me in the amount of {$1400.00} for XXXX months before we noticed what was happening. We notified the office and they gave us XXXX months free ( XXXX and XX/XX/XXXX ) and half a months rent off on the third month, equivalent to the amount that they overcharged us. I was told that they would reinitiate the regular monthly amount of {$990.00} after the third month and the rent would be back to normal. XXXX months after the free months ( XXXX and XXXX ) I was told I had to pay XXXX back rents from the months of XXXX and XXXX because they had neglected to tell me that I had to go back to their office to keep them to do it. I do t recall the total amount due but somehow it was over {$2000.00}. We didn't know we owed this money until we received a collections bill in the mail for it and I went to the office. This debt is still on my credit report and appears as an unpaid debt. I reached out to the company to get confirmation of payment of it but they have not returned my calls, saying that someone will call me back soon. I am a homeless and XXXX veteran with a XXXX wife and we are living in our car. I just found out that this debt is what has been causing most places that we have applied to for apartments or housing to turn us away. I am asking for help to get this removed from my report please. This past winter was very hard for us because our only income is my XXXX benefits of {$1400.00}. I know we paid this and need help so we can finally get a place to live. We have been homeless since XXXX of last year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am contacting you because I have found some information that is inaccurate on my credit report. 

The date-of-last-activity and date opened you are reporting for these accounts are inaccurate. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After doing so please provide me with an updated credit report reflecting the changes

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 2024-03-01 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:
I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called Experian & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX & both are for the same amount of {$870.00}. 

Two collection Agencies XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX ( Collection Agency ) are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.

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 2024-03-02 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
WENT TO DRIVE THRU BANK TO WITHDREW {$100.00} SOME HOW ATM DID NOT HAVE THE CURRENCY REQUESTED IN THE PROSSESS DID NOT CANCELLED TRANSACTION SO PARKED MY CAR AND WALKED TO FRONT OF BANK TO MORE ATM. GOT MY {$100.00} AND WENT HOME, HOWEVER A COUPLE HOURS CHECKED MY BALANCE ON MY PHONE AND NOTICED {$400.00} BEEN TAKEN FROM ACCOUNT- INMEDIATLY WENT BACK TO BANK AND EXPLAINED WHAT HAPPENED AT XXXX .THE BANKER TOLD ME THA A PERSON BEHIND ME RETURNED THE MONEY TO A MANAGER IN PLACE AND I FELT VERY GOOD ABOUT IT, AT THIS TIME THEY TOLD ME TO FILE A CLAIM # XXXX THAT IN FEW DAYS I SHOULD HAVE MONEY BANK THIS HAPPENED ON XX/XX/XXXX SEVERAL WEEKS WENT BY AND DID NOT HAVE AN ANSWER .WENT BACK AGAIN AND FILLED ANOTHER CLAIM # XXXXWELLS FARGO HASE N'T RESOLVED MY PROBLEN YET AND IT IS VERY DIFFICULT. WELLS FARGO BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TEL. XXXX PLEASE HELP 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 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I bought a in XXXX of 2022 after XXXX XXXX. I have been making payments for a year now. I did fall behind at one point due to being sick but always made sure to come up with the money so it wouldn't get repossessed. I have been noticing something funny going on with my account for the last XXXX months. Not only was I informed I had money accumulating on my account that was not being applied to either the interest or principaled balance but Santander has been trying to charge me for late fees that I have paid XXXX other times. My car payment is already astronomically high. My credit was fair but now it has taken a hit due to them not consistently reporting I have been making payments. I was told the reason I was placed in such a high interesting yielding loan is because of my credit score but I just discovered that is NOT true after seeing on the news that they were being sued for doing the same thing they are doing to me now to several other people. They claim to have filed several internal reports regarding the suspicious activity on my account. I have even been hit with an overdue payment of XXXX some despite paying my normal car payment. All they do is give me the run around. Put me on hold but nothing ever gets fixed. When I questioned why my overall car loan balance has only gone down a little over a XXXX bucks they claimed it was my fault and said something about not making payments. When I confronted them and said I have consistently made payments including payments that randomly pop up on my account that you guys claim I owed even though I had already paid my car payment for that month. Then whenever I stated that they claimed they would file an internal report but nothing ever gets fixed. Meanwhile my debt on my car loan keeps climbing and my credit score has dropped significantly because of them and what ever it is they are doing to my account. Whenever I said what they are doing is a red flag they put me on hold for hours on end hoping I will hang up. In the past I have hung up but recently much to their dismay I have stayed on the line only to get the run around again! Recently they have been trying to make me pay the same exact late fees for the past 4 months when I told them I was not paying the late fees in the amount of XXXX a XXXX month this past XXXX and asked how much my payment was for XXXX they said they filed ANOTHER " internal report '' to " fix it '' and that my car payment for the month of XXXX was {$160.00} since I had almost XXXX just sitting there not doing anything but accumulating. My account STILL reflects that I " owe '' so called late fees in the amount of XXXX despite paying them! I would be here all day supplying all the photos so I will just supply the latest odd activity occurring with my loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MO

Complaint narrative:
This is a notice to inform you that you I have not given Transunion permission to access my credit profile and have no purpose by law to contact third parties with my private or personal information. 
Without permissible per violation of the fair credit reporting act USC 1681 ba3 F1 I have not initiated any transactions with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reportininaccurate and incomplete credit information 15 USC 1681 EB compliance and procedures accuracy of report whenever a consumer reporting agency prepares a consumer report is shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates otherwise anyone paying for your reporting services could fax mail or email in a fraudulent account I demand to see of original consumer contract with my signature on it that you have on your file for the account listed below or certification from the creditor that certified the accuracy and completeness of the information. 
Your failure to positively verify these accounts has hurt my ability to obtain credit under the Fair credit reporting act and unverified accounts must be deleted and if you are unable to provide proof of the original copy of the consumer contract you must delete the accounts.

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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I had my phone stolen from me at my gym. My online banking had no passwords and went into my account and started depositing monry from a another account that i dont know at all. I called fraud to get help and they keep denying my claim. This been going on for XXXX months now and they just keep declining and having at a negative balance

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 2024-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I received an Invoice today XX/XX/XXXX showing a payment of {$890.00} to Coinbase. I do not have an account with Coinbase, but they had my email and name. I called them and they confirmed there was an account with my name and email address, but could not offer a resolution unless I allowed them to " remote in '' to my computer. I told them I would call them back. I asked IT several security people that I know, who said I should not allow this company to " remote in '' to my computer. Coinbase said they had to " see my IP address '' which makes no sense because my cable company told me this address changes every few days, and really I could have been sitting in front of anyone 's computer. I called them back and they said they could not help me unless I allowed this. The company should have some process for investigating fraud accounts. It is illegal for a banking institution or financial company to demand logging into my computer to gain access to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I saw this account on my credit report. I have never received any information on this debt. This collection agency is in violation of my rights because I never gave the original creditor permission to give my information to anyone. I also, asked them to send me the verification process for this debt with and the certified mail receipt with my signature. XXXX also sold this debt and is reporting false payment information that I didnt make. This is a fraudulent credit card that was opened without my consent then sold to a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-02 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: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX

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 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company 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 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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