vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
A charge for the amount of XXXX was place on my credit card for a service for a company I do not know. I contacted the credit card company ( bank of america ) and filed a fraud complaint. I then contacted the company who placed the charge to get more info. the informed me that the account that was created was for a XXXX, who I do not know. they stated that they did not know how the charge was placed on my card. and issued a refund. I cald bank of america back and advised what had happened. fast forward to today. bank of america billed me for the charge anyway and will not post credit untill I make a minimum payment. the only charge on this card was the fraud charge. I was told by Bank of America this is federal law and the do not have to abid by Ohio state laws.

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 2023-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
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 of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer

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 2023-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
MY ESCROW ACCOUNT IS ALWAYS AT A LOSS WHICH INCREASE MY MORTGAGE PAYMENTS. I CALL TO FIND OUT WHY AND THEY TELL ME THAT MY TAXES INCREASE, I ASK SO MY TAXES ARE INCLUDED IN MY PAYMENT EVERY YEAR WHY IS MY ESCROW ACCOUNT AT A LOSS? I CANT GET A CORRECT ANSWER FROM SELECT PORTFOLIO SERVICES. THAT IS THE NAME OF THE COMPANY I SENT MY PAYMENTS TOO. IF I COULD GET SOME HELP AND INTO FINDING WHY IS MY ESCROW ACCOUNT AT A LOSS FOR THE LAST 5 YEARS WOULD APPRECIATED. DO YOU THINK I SHOULD GET A MORTGAGE LAWYER? 
THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I am writing about the TPSLF program going on right now. I first applied in XX/XX/2022 and had all the correct loans, repayment plans, etc. I received a letter XX/XX/2022 that my employment was approved and I was eligible for PSLF. The letter also said Id be moving from my current loan servicer to Mohela in the coming months. I did not hear anything for months. I reapplied directly with mohela in XX/XX/2022. Right now it says my application was been processed and to wait 90 days. Its been well over 90 days. My student loan still sits at XXXX, my previous servicer. Mohela does not help me or explain why my application is frozen as others who applied literal months after me gain forgiveness within a few weeks. They do not explain who I can contact to be sure my loans move over to their business for forgiveness. I cant even get a payment count, which is a major part of PSLF, to show up anywhere so that I know how close I am to forgiveness and make decisions related to my employment. My repeated calls and requests for help with MY specific application/loans are met with either we dont know or giving me generic robotic answers that dont apply to my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
My mortgage loan was denied during underwriting because LexisNexis reported a foreclosure against individuals of an estate instead of the estate. 

The document clearly states that is the estate of the deceased followed by a ; and the list of names of from the estate. I've reached out to the lender with supporting documents ( XXXX XXXX, Years of Property Taxes, Deed, and Mortgage without my name ) on XX/XX/XXXX  but they haven't made a decision as of XX/XX/2023. The closing on the house is in Jeopardy from this error. 

This hasn't shown up on any other credit report. This report didn't take into account that it was an estate foreclosure and seemed to only read the trigger word " foreclosure '' and the list of names on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I opened a CD with Ally Bank in XX/XX/XXXX. Originally, I was promised to have 1.6 % saving interest rate. However, I was never paid for that rate. Then, I asked to close my CD in XX/XX/XXXXXXXX  and experienced trouble to close my account. I mailed my closing account request three times but still not closed and received no. Then, I started to call Ally customer service and I was put on Fraud Alert. Then, I was limited to talk to Fraud department. Every call took me at least an hour. I had made at least twenty calls. During every call, I was first verified by customer service, then fraud department and then rerouted back to customer service and then rerouted back to fraud to prove my identity or vice versa in process.

Then after 2 weeks, I was finally asked for my bank account and Ally made a verification deposit to my bank account. So, I called Ally Bank to provide those deposit amount to verify my identity. Then, I again had to experience the marathon phone call process. Upon today, I still can not close my account. I had been given various excuses for not being able to close and went to many scam by Ally Bank to refuse to return my CD amount. 

You can contact me at XXXX XXXX XXXX 

Thank you, 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 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/, I reached out to Discover to discuss my credit card debt. Discover reported that the debt was charged off in XXXXXXXX  to XXXXXXXX XXXX XXXXXXXX XXXX. I did not understand why because I was making a flat payment of {$50.00} to discover that they stopped and did not inform me. 
Discover quoted me {$2000.00} that I still had to own. However, XXXX and XXXX XXXX said I had to pay {$4000.00}. 
I disputed but was decline so I disputed again. XXXX and XXXX as not been helpful and down right rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: PNC Bank N.A.
State: GA

Complaint narrative:
I was a victim of identity theft in the military and I sent in all the proper paperwork and information to the credit bureaus to have them accurately fix these issues. Some of these items are taken off of some of the 3 bureaus and still reporting on the other. The process should be the same for one and the other. While in the Military it is hard to contact the credit bureaus from overseas and I am fed up. This has been going on for over 5 years. I sent in FTC reports and also a FBI Victim report because the Feds caught the guys with id and drivers license in my name and arrested some of them. 
XXXX : PNC BANK AUTO LOAN XXXX XXXX XXXX PNC BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL THESE ACCOUNTS BEEN CORRECTED ON XXXX AND XXXX BUT NOT XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX REPORTED THIS ACCOUNT THAT WAS FRAUD AND DELETED PREVIOUSLY FROM XXXX XXXX THE PURCHASED SOME DEBT FROM SOMEWHERE AND REPORTED THIS TO MY CREDIT I TOLD THEM THAT IT WAS FRAUD AND DELETED BY THE CREDITOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I closed my PNC BANK highest interest savings account in early XX/XX/. There is no term limit with the account. The bank refused to give me my {$350000.00} back unless I agreed not to accept the more than {$2600.00} of interest I had earned. The bank committed bank fraud against me through deceit and held my money hostage. I told them to send me the {$350000.00} and we can discuss the {$2600.00} later. On my bank statement, there is none descriptive language showing the bank kept my money, any only by careful examination of my bank statement did I discover they kept my money. I have called the bank dozens of times. The bank told me to go to a branch to show my ID to get my money, which I did two weeks ago, and the bank still hasn't sent me my interest. The bank stated the money was eschewed to California ( a lie and no proof provided ), as recently as last week said they bank has " lost the funds '' in a voice message I have, and overall, the bank has kept my interest and refuses to give it. THE BANK IS IN CLEAR VIOLATION OF THE LAW. If they are doing this to me, they are doing it to lots of people. The bank branch on my visit said this is common where the bank refuses to pay earned interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Westlake Services, LLC
State: NC

Complaint narrative:
I purchased a car from US auto sales in XX/XX/XXXX. I was paying extra for an extended warranty and gap insurance but when my car was totaled in XX/XX/XXXX, they stated they can not find my contract and my coverages were voided. US auto sales eventually closed down because they were not paying the warranty contract to the companies they were through. Now I am stuck still owing a car that its totaled and can not get another car because it is showing on my credit report. Meanwhile they have sold my contact and I am still required to pay for a voided warranty

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a XXXX bank account and have no service with other banks except through XXXX. I received a letter in the mail from Bank of America in regards to opening up a debt card account in which I knew it was fraud immediately because I don't do business with Bank of America. I called Bank of America fraud and put in a claim to be flagged and declined immediately for future fraud events. XXXX weeks later I get another letter in the mail with another debt card opened under my name again. I put in another claim and now I am worried my Identity, social security, and more is at high risk.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to Equifax 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
A scammer created a Bank of America account online using my identity online and deposited a fraud check for {$27000.00} using an ATM machine in XXXX  and cashed it out a week later on XX/XX/XXXX. I don't even live in XXXX. Bank of America is accusing me of that transaction and they took my money from me on XX/XX/XXXX without telling me and again on XX/XX/XXXX. I no longer can trust them.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This was not sent inadvertently or by any other person than me ; I am a consumer by law, and thanks to XXXX 's misuse of my information during a data breach, some of the accounts and things on my credit report are not completely true. That improper handling of my credit profile was unethical.

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 2023-05-22 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I applied for a mortgage do to relocation an after initial credit report authorization i decided to shop around due to loan estimate I received. 

I contacted a mortgage broker through United Mortgage Wholesale an they keep pulling my credit multiple times on different days. 

Id like to file a complaint against the company for pulling my credit file on multiple days without my approval or authorization to pull multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( Equifax ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. 

I Demand Deletion of items and information plus I demand monetary compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief