vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am not really sure what happened other than I am being told BOFA has reported an account as fraud, I don't have any knowledge of what they're referring to so I filed a dispute with XXXX XXXX as they're the ones provided information that impacted the bank in denying my request to open a checking account with XXXX XXXX and XXXX XXXX. I was made aware of the claim when I attempted to open an account with XXXX XXXX XXXX and was told the account had restrictions and XXXX  XXXX stated the same. I sent a dispute on XXXX because I honestly have no idea what this is. A response was returned from BOFA stating it was verified as accurate however NO documentation was provided supporting the validity of the claim. No amount, nothing! Just a side note I am not quite sure when this took place however I have been a victim of identity theft on more than one occasion an as recent as XX/XX/2020 someone file a fraudulent unemployment claim while i was clearly working that I had to dispute and filed a complaint with the FTC. I am getting ready to send a complaint with XXXX as I just got an email with an invoice from XXXX stating thanks for a payment and I HAVEN'T authorize ANY XXXX  XXXX payment this is getting so fustrating!! So I am escalating this matter with the hope that you guys can resolve this issue for me. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX BK OF AMER XXXX  XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
Equifax is reporting incorrect information about me and have refused to make changes in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. I am not responsible for this debt, as I do not have a contract associated with this account, and you failed to present me with the original application as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I got a letter from XXXX XXXX XXXXXXXX XXXX  stating it was their second attempt at contacting me. I never received a first attempt. They say I took out a payday loan with CASHNET USA online without providing any prof of debt. They stated that I obtained this loan and immediately closed my bank account. I have had this bank account since 2008. If I did somehow get an online payday loan from a bank account from before 2008 it is well past the collection cutoff for Washington state, which I have lived in for 20 years. Furthermore they are arguing that since I " closed '' or changed my bank account they are accusing me with malicious intent to commit fraud and intend to add this to a civil lawsuit if I don't sign into their website to pay them money which I have received no proof of owing. I don't even have a date of when I supposedly took out this payday loan. They never state clearly that they are going to send me to jail but the language they are using is threatening and meant to intimidate. They state in their letter they have the right to subpoena references who will testify against me if this goes to trial but instead of naming any they put on the letter " undisclosed ''. So they are using words like malicious intent, fraud, subpeona, " witnesses testifying against me '' and trial for a supposed payday loan for under {$500.00} I supposedly took out and then I supposedly closed a bank account to avoid paying them. Again, no dates of this loan, no details. Nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: IL

Complaint narrative:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts. I am not responsible for this debt, I do not have a contract for this account, and you have not provided me with the initial application as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Reference : Mr Cooper Loan/Mortgage # XXXX Hello, Approx 2 years ago, had many issues with Mr Cooper- PMI XXXX escrow etc. Refer to case # XXXX. Issues were resolved at that time..pmi and escrow removed ... all has been well. 

As of a few weeks ago ( XX/XX/XXXX ), i received request to provide mr cooper with current hazard insurance information. I responded immediately providing the new policy number ( paid in full and ends in XX/XX/XXXX ), phone number etc for my XXXX XXXX XXXX policy. My previous policy was with XXXX too. 
No lapse is coverage ever occurred and taxes are fully paid. 

Next thing you know, Mr Cooper is trying to reopen a new escrow account for me as of XXXX, XXXX. I didnt not request nor want this. I called Mr Cooper ( spoke with XXXX XXXX and asked whats going on and again, its the same incompetence i experienced two years ago with all the issues. I then left voicemail for XXXX XXXX ( Mr Cooper Mgmt ) who helped me two years ago. 

Pls help me. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: MD

Complaint narrative:
I have sent out many attempts to resolve the situation with Transunion. I have accounts on my report that doesnt belong to me and per the FCRA they are to be removed 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 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Each month even know I have made all payments and even paid off the card and keeping balances low they keep decreasing the credit card limit on the card which consistently ding my credit score. These are unfair business practices for honest working consumers who are truly trying to improve their situations. I have paid off all credit cards in XXXX which I know my score is XXXX now and improving as I am in the process of purchasing a house. Once again this card lowers my limit after making all this progress on improving and being a responsible person with credit. Does not seem fair or right. Called and the only thing the representative would do is send a request to increase, which would run my credit again ( which dings it again ) for them to increase the limit back to the lower amount they just gave me a few months ago ( XXXX ). This is not fair business practice. I have two cards with them and this is what they did to both cards. He said they will review again in XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting incorrect information about me and have refused to make changes in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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: IL

Complaint narrative:
XXXX is reporting incorrect information about me and have refused to make changes in a timely manner

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
We sold our primary residence on XX/XX/XXXX. When the title search was performed on XX/XX/XXXX, it was revealed that a Modification to our HELOC was missed when it was closed on XX/XX/XXXX. We have been looking to get this resolved ever since. In the interest of good faith, we agreed to hold {$50000.00} back from the proceeds in an escrow account until this was resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been trying to get a Certificate of Satisfaction from Truist since XXXX on our behalf. They have sent faxes, emails, and placed phone calls to just be forwarded to another department and the phone disconnected on multiple occasions. They have not been able to speak with the closing loan department, only with customer-service representatives. My husband and I have also been calling, faxing, and emailing if possible since XXXX. 

We finally received an incident number. We still would spend XXXX minutes to an hour on the phone convincing a customer service rep to type in the number instead of trying to find our information in the system. We no longer have any accounts with SunTrust or Truist and there doesnt seem to be any information on our closed HELOC. On XX/XX/XXXX, they assured us it was all taken care of. It was not, they did not provide what we were asking for and instead reissued the Certificate of Satisfaction that we already had showing the original deed of trust, which was released at the court, but not the Certificate of Satisfaction for the Modification. 

We have since received another incident number. Its been over four months since we started, and we're still awaiting resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am disputing the fraudulent 1099 reporting submitted by Select Portfolio Servicing , Inc . I have never done business with this company. I have never received a dime from this company nor {$13000.00}. I have called this company multiple times and sent certified letters requesting clarification to no avail. This is causing me unnecessary stress as now I am facing a debt, I dont owe to the XXXX due to this fraudulent reporting. I need assistance getting this company to clear this fraudulent 1099 reporting to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 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:
I am a victim of identity theft. A criminal has used my social security number to apply for credit lines. There are numerous fraudulent credit inquiries and credit card accounts, as well as an auto loan that are fraudulently reporting to my TRANSUNION credit reporting agency. I have submitted a fraud investigation request to TRANSUNION, however they are unwilling to dispute and remove the fraudulent inquiries that are listed below. 

Fraudulent credit accounts XXXX. XXXX XXXX Account Number XXXX XXXX. XXXX XXXX Account Number XXXX Fraudulent credit inquiries XXXX. XXXX  XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-08-05 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax Report # XXXX has violated my rights as a consumer, natural person.

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 an account without my written instructions 15 U.S.C 1681a ( 3 ) section 602 states Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S.C 1681a ( 4 ) section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681b ( A ) ii states the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

I did not give Equifax, consumer reporting agency the right or consent to furnish, establish or publish any report on me with my personal information. My privacy has been violated, my demands have been ignored. This report that has false, incorrect and inaccurate information has caused me financial stress, hardship, and denials to everyday life essentials. This has affected my life in a terrible way and Equifax has failed to do their duty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered unverifiable, invalidated, inaccurate, and questionable items on my credit report, which caused XXXX XXXXXXXX upon me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I paid my credit card off in full XXXX day late. I asked to please close the credit card since this is the only card I have to pay off each time I use. All my other cards are automatically deducted from my banking accounts. Since I asked for the account to be closed the representative became angry and did not close the account and I received a {$70.00} interest charge. I called and told them this is completely unreasonable and they said if I kept the account open they would remove the charge. I did not agree and asked them to remove the charge and close the account. I just spoke to them again months later and the account is still open and the balance is now {$330.00} all in interest charges. They told me they are send this to attorneys and I am going to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They have been selling my information, which is not their place. They have also been able to furnish my credit score for me without my consent. Which is against the law according to the congressional findings 15USC 1681 ( b ) ( 2 ). They've assumed the responsibility. According to the congressional findings, under the law 15 USC 1681 ( a ) ( 3 ), congress made it clear that they have assumed this role. Also under 15 USC 1681 ( a ) ( 4 ), they did not exercise their grave responsibility, they were unfair, they were partial, and they have not respected my right to privacy. Again i have never given them permission nor have I instructed them to furnish or create any of the things on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) was hired by XXXX XXXX XXXX to inspect the XXXX XXXX, which is located at XXXX XXXX XXXX in XXXX, Florida, XXXX regard to reported damage involved in a homeowners insurance claim. XXXX XXXX XXXX, P.E., Principal Engineer, inspected the structure and site on XX/XX/2022. 
During the inspection, XXXX observed that a section of wood joists and subflooring in the family room and kitchen area had been compromised, making those members no longer able to properly support the intended loads. The observed damage is an unsafe condition that poses a danger to the occupants at the residence. XXXX recommends that access to the kitchen and a section of the family room of the residence be restricted until temporary support or permanent repair of the damaged floor framing is completed, which should be performed in the immediate future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, a consumer is a victim of identity theft, the credit reporting agencies, Transunion, XXXX, and XXXX has utilized and furnished my consumer report without my knowledge and authorization, consent, and written instruction. They allowed companies to share my nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear and conspicuous that the consumer has a RIGHT TO PRIVACY! XXXX, Transunion, and XXXX has violated my federally protected right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with the respect to the confidentiality of my personal information. The Fair Credit Reporting Act ( FCRA ) was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and respect to the CONSUMERS RIGHT TO PRIVACY! Transunion, XXXX, and XXXX is in direct violation of the FCRA and the Gramm-Leach Bliley Act of 1999.

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