vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-19 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Bank of America without authority took monies out of an unauthorized account on XX/XX/XXXX with two account holders. I was not given this disclosure/ the account was part of a foreclosure home equity account. The funds taken were borrowed funds from my student loans and they were not authorized to withdraw. The bank also did not notify me, I complained about this in XX/XX/XXXX, letting them know that they never advised me of the delinquency and or notified me of the funds coming out of my 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 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
In XX/XX/XXXX, our home mortgage was sold to a service provider named SPS ( Select Portfolio Servicing ). On XX/XX/XXXX, we sent the company notification via phone, fax and upload to their website that we elected to pay property taxes directly to the municipality. We did not give consent for SPS to escrow in anticipation of the next quarterly tax payment that is due on XX/XX/XXXX. 

In response to our call, fax and uploaded document, we received verbal ( recorded ) acknowledgment by a representative named XXXX XXXX on XX/XX/XXXX at XXXX that SPS would NOT escrow our taxes. However, SPS sent out payment for taxes to our municipality at some point prior to our conversation with SPS representative named XXXX on XX/XX/XXXX at XXXX. The due date for taxes is XX/XX/XXXX. We spoke with XXXX and she confirmed that a payment in fact had been made without our consent ( recorded ). She suggested that we go to the municipality and ask them to reject the payment ( which put the responsibility on us to correct an error made by SPS ). She also told us that we could " just pay them ( SPS ) back '' ( recorded ) to correct the error. 

We are filing an official complaint and want restorative action taken to correct this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: CA

Complaint narrative:
On XX/XX/XXXX I paid {$20.00} for a certified letter to Trans Union containing a signed and notarized document, notary certificate and a Identity Theft Affidavit. 
On XX/XX/XXXX I received confirmation that Trans Union received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Trans Union is still on my credit report. There are fraudulent/invalid addresses which are not mine. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state.

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 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
While visiting a Citibank branch on XX/XX/XXXX, I opened a new checking and savings account in the Citi Account Package. According to the personal banker who opened my account and Citibank website, I was eligible to receive a {$400.00} sign up bonus if I ensured the following conditions were met : 1. Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

2. Maintain a minimum balance of {$15000.00} in your linked checking and savings accounts for 60 days.

I have met all of the aforementioned conditions to be eligible to receive the sign up bonus. Below is a chronological order of events which illustrate that I in fact met all of the conditions required by Citibank : 1. On XX/XX/XXXX I deposited {$15000.00} new to Citibank funds into my checking account and subsequently transferred {$250.00} to my linked savings account. 
2. As stipulated by Citibank, I funded the accounts within 7 days ( requirement is within 30 days ).

3. As stipulated by Citibank, I maintained a minimum of {$1500.00} in my linked checking account.

4. As stipulated by Citibank, I maintained a minimum of {$100.00} in my linked savings account.

5. As stipulated by Citibank, I maintained a minimum balance of {$15000.00} in my linked checking and savings accounts for a period of 71 days through XX/XX/XXXX ( Citibank requirement is 60 days ). 

On XX/XX/XXXX, I received an email from Citibank advising me that I am not eligible to receive the {$400.00} sign up bonus because I did not meet the required conditions. I have attached/uploaded the email with this complaint submission. 

I immediately called Citibank to try and resolve the issue, but after 4 telephone calls, 3 hours on the telephone, and numerous transfers, my issue remains unresolved. 

I am 100 % confident that I have met the required conditions and am eligible to receive the {$400.00} sign up bonus. 

I am hoping your organization can help me. 


Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
On XX/XX/2019, a duplicate draft was processed by Specialized Loan Servicing for {$2200.00}.

On XX/XX/2019, I contacted the company to reverse the duplicate draft and I was assured it would only take a few days to process.

Almost 20 days later nothing has been processed and no update is available from the company, they have stolen the money.

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 2019-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Took XXXX to the XXXX XXXX XXXX atm to do a cash deposit. The atm took the money and then said their was an error returning the funds and printed a receipt that said that. The XXXX XXXX XXXX atm was on XXXX XXXX ATM number XXXX Date XX/XX/19 Time XXXX Called the bank and they said that the atm doesnt show an error but I have the receipt that says it had an error. Said they would attempt to investigate it.

Said they could only do a previsanial credit while they looked into it. But I was advised to make a complaint about the atm

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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: CA

Complaint narrative:
On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I paid {$17.00} for a certified letter to Equifax containing a signed and notarized letter regarding the fraudulent/invalid information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I received confirmation that Equifax received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, XXXX, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Equifax is still on my credit report. There are fraudulent/invalid addresses and an inquiry which are not mine and did not give permission to anyone as well. 

I have lived at my current residence in XXXX, Ca for over 10 years ( Since XX/XX/XXXX ) and I have never lived out of state. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Equifax has 30 days to review and remove my ( consumer ) complaint. It has been 120 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19 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: AES/PHEAA
State: OR

Complaint narrative:
I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Navient purchased my loan and since they have taken over my loan my interest rate has steadily increased causing my monthly payment to go out. I have kept making payments and tried to call and get answers as to why I have received so many increases I received no answer from the customer service agents and just more frustration due to their " help line ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax has fail to provide company of my credit history or not accurate information. The creditor i use are not able to access my equifax credit report called several times to get this resolve and nobody seems to know what they are doing. Creditors are pulling fruad alerts or freeze and getting nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America advertised a balance transfer credit card. I requested a balance transfer. I then called to ask them how long it would take to make the payment. They said two weeks. I expected better service than that and accepted another offer.

Their offer is a balance transfer service. I expect this type of service to include a check of the balance before there is a transaction completed. Two banks should have the authority to check each other 's account balances when offering this type of service.

This is false advertising and it is unreasonable for a bank to charge for creating a debt against a XXXX  balance.

Also, banks should be required to send paper statements ( perhaps post-card sized? ) until the first 3 payments on a new loan have been made or until the first payment has been made if they have another active account open online with the consumer..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
On XX/XX/XXXX I paid {$18.00} for a certified letter to Experian containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized, a federal trade commission identity theft affidavit and my drivers license. 

On XX/XX/XXXX I requested a Fraud Alert be placed on my credit reports to prevent any further unauthorized/fraudulent activity. 

On XX/XX/XXXX I received confirmation that Experian received my certified letter and it's contents. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. 

As of XX/XX/XXXX, I again, paid the credit monitoring website, www.experian.com, a fee of {$24.00} to refresh my credit reports with all three credit bureaus and I became aware that the fraudulent information with Experian is still on my credit report. There are fraudulent/unauthorized inquiries which I did not authorize nor give permission to run on my credit. 

In compliance with the Fair Credit Reporting Act, Section 611, the credit bureau Experian has 30 days to review and remove my ( consumer ) complaint. 

It is now XX/XX/XXXX and It has been OVER 180 days with no solution or response and now I am submitting a request for help with the Consumer Finance Protection Bureau to resolve this matter as soon as possible. 

In this process of fraudulent/unauthorized inquiries and trying to rectify my credit, I have paid over {$140.00} to resolve this urgent matter.

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 2019-01-19 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: NY

Complaint narrative:
According to my recent credit report request from Transunion, XXXX, and XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 




VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX Act. # XXXX XXXX  Act. # XXXX XXXX   XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX, NY XXXX | ( XXXX ) XXXX THIS ACCOUNT IS REPORTED WITH SAME ACCOUNT NUMBERS AS OPENED AND CLOSED WHICH IS A VIOLATION OF THE FCRA AND CREDITOR CAN NOT PROVE THIS ACCOUNT BELONGS TO ME AND NEEDS TO BE REMOVED OFF MY CREDIT REPORT. THIS ACCOUNT IS NOT MINE XXXX Act. # XXXX XXXX Act. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX | ( XXXX ) XXXX CREDITOR HAS VIOLATED 15 USC 168123 ( a ) 7 THE CREDITOR HAS STATED I WAS LATE XX/XX/2018, HOWEVER, I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THE CREDITOR CAN NOT LEGALLY REPORT THESE LATES BECAUSE THEY HAVE NO PROOF OF GIVING ME AN EARLY WARNING NOTICE AND I HAVE PROOF OF ONTIME PAYMENT TO THIS CREDITOR AND RECORD OF PHONE CALL THAT CREDITOR HAS AGREED TO CORRECT THIS ERROR AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. PLEASE REMOVE THESE LATE PAYMENTS AND CORRECT THIS ACCOUNT AS NEVER LATE

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 2019-01-19 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: OR

Complaint narrative:
I HAVE 6 LATE PAYMENTS ON MY FEDERAL STUDENT LOANS. I WROTE TO THEM ( XXXX XXXX ) SAYING THAT THE LATE PAYMENTS IN QUESTION WERE DUE TO APPLYING FOR THE INCOME DRIVEN PAYMENT PLAN AND TO PLEASE REMOVE THE LATE PAYMENTS FROM MY CREDIT REPORT. THEY MISTOOK THIS AS ME ASKING TO BE DEFERRED AGAIN ( I HAVE ALREADY BEEN PAYING FOR OVER A YEAR WITHOUT MISSING A PAYMENT ), WHICH I DID NOT WANT.

I JUST WANT THE LATE PAYMENTS REMOVED FROM MY CREDIT REPORT DURING THIS TIME I WAS APPLYING FOR INCOME DRIVEN PAYMENTS, I COULD NOT MAKE THE PAYMENT INSTALLMENTS THEY ASKED OF ME, WHICH IS WHY THE MARKED THE PAYMENTS AS LATE UNTIL MY PAPERWORK WAS COMPLETED.

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 2019-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Credit and Collection Service, Inc.
State: WA

Complaint narrative:
The auto loan was charged off in XX/XX/XXXX. They then sold the debt to a collection company and that company is still reporting the balance as a 30 day term account instead of a collection account. Due to them reporting the account that way the account will never be removed from credit report. I disputed and got no where. I then contacted the company directly and was told if I settled the debt with them that they would remove from my credit report. This will have been reported on my credit report for 7 years since last activity on XX/XX/XXXX which, if I am not mistaken, means it should be removed under the FCRA. I find this very disturbing and unsettling. The name of the company is XXXX XXXX XXXX  XXXX. The original debt was to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19 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:
In XX/XX/XXXX I was denied employment due to credit. The job was financial related and required a good credit report. Two weeks later I was denied housing because the company stated my credit report showed debt to another housing provider. I pulled my Experian credit report and discovered an inordinate amount of errors. There were over 50 errors total on my report. I sent them a letter immediately explaining and showing in detail why each item was an error and asked them to investigate and resolve. In XX/XX/XXXX they sent me back a letter saying that they had completed an investigation and verified all information. It was a very blanket letter not outlining how they conducted any investigation. I then sent them a response showing that these were in fact errors and should be either updated or deleted ( based upon each individual line item 's situation ). The response I received was almost an identical letter to the first one they sent. It did not address any of the my concerns at all. Overall I have repeatedly contacted this company in hopes that they would resolve these errors and they have not. Ive sent letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX immediately upon receiving their repossess and have receipts of certified my mail being received by them each time. To date I am still unable to secure housing or a suitable job because of these errors. I. work in finance and can not afford to have such errors on my report. In addition to all of the negative errors I also discovered thatchy are not reporting at all on many of my positive credit lines. I have contacted my credit card companies to confirm that they report to the bureaus nd each confirmed that indeed they do report. Therefore there is no sufficient reason why my positive credit lines are not reported and thus why all of these erroneous negative items are reported. I am in a world of trouble because of this negligence and they just keep sending back the same letter saying they verified the items. There is no way to verify something that never happened. When I asked for proof of these items belonging to me in the form of anything I authorized or signed or even recordings where I gave approval I received nothing repeatedly. Please help me. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation