vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello I am reaching out to you in hopes of assistance or be directed to the proper person at Bank Of America to handle this extremely urgent issue. One in which we have been very patient about. However, that is no longer the case. We are at 7 months since the incident occurred and absolutely no refund from Bank of America regarding my funds that were paid to XXXX for a trip that was canceled due to the Airport being on strike in XXXX. So, we could not fly there with no airport being open on those days. XXXX and its hotel, XXXX XXXX XXXX at XXXX XXXX. There was a strike at the airport in XXXX. This prevented travel to the island and stay at XXXX 's hotel, XXXX XXXX XXXX at XXXX XXXX. 

Clearly this was no fault of ours as consumers and guest. Yet, we are being held at fault and have not been refunded our funds for our scheduled stay. To penalize us the consumer for something out of our control and not responsible for and being prohibited from reaching the location is completely unfair and unsatisfactory. An organization such as Bank of America should understand the situation and circumstances. 

We paid {$2900.00} for our trip. Bank of America paid XXXX. As a Bank of America customer, I did not get the service I was charged for and requested my funds returned back as this would be fraudulent. XXXX agrees as they advised that my Bank should refund my funds.. Yet we received no service or resort stay. 

We expect our funds to be returned. 

Thank You, XXXX and XXXX 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 2022-12-29 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: FL

Complaint narrative:
After an investigation on my credit report I discovered inaccurate information in the accounts below. After asking Experian to validate these accounts, they did not validate the debt on these 3 accounts.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

1. Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$11000.00} 2. Account name : XXXXXXXX XXXX Account Number : XXXX Amount : {$1.00}, XXXX written off 3. Account Name : XXXX  XXXX XXXX Account Number : XXXX Amount : {$4.00}, XXXX written off

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I was gifted a {$500.00} Vanilla prepaid card as a gift from my family in XXXX XXXX. When I tried to use it in XXXX XXXX, the funds have been depleted. After looking online to see what the transactions looked like, there were multiple to XXXX. There were 4 total purchases that totaled {$490.00} on XX/XX/2021. There is only {$1.00} left on the card. The totals were as followed : - {$120.00} - {$170.00} - {$150.00} - {$46.00} I have tried calling Vanilla directly, but have been put on hold for over an hour multiple times. I have read many complaints only about the same item and how Vanilla is very unresponsive to this. I can't even file a formal complaint because I can not get in touch with Vanilla. 

All I want to get at this point is my family 's money reimbursed. That is a lot of money that was just lost. It is ridiculous how many similar stories are online and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I sent a certified letter to TransUnion regarding EIGHT ACCOUNTS they are reporting inaccurately. 

They have yet to correct them, nor does it look like they have even done an investigation. 

These accounts are Student loan accounts that are reporting Late payments during the XXXX XXXX relief of student aid. Which per FEDERAL LAW states if they are in deferment they can not report a late payment. 

This is very harmful to my credit and ALL EIGHT accounts need to be updated and REMOVE the late payment they are reporting. 

Ive enclosed a copy of ALL EIGHT credit reports as well as the letter I sent to TransUnion.

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 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
Re : Loan Payoff - Estate of XXXX and XXXX XXXX XXXX XXXX # XXXX SSN ending in XXXX To Whom it May Concern : As requested, we received a payoff letter enclosed with astounding fees of a foreclosure proceeding. Based on our court hearing, the motion for XXXX and XXXX was ordered, adjourned, and decreed that the file be declared inactive rendering file inactive. The judge, in our favor granted to suspend any actions of foreclosure proceeding. Unknowingly of fees not mentioned. To include, our title does not hold any liens of balances with the exception of a mortgage amount of {>= $1,000,000} We have contacted by phone, both XXXX and XXXX and LoanCare , LLC for dignified actions, but was to only be diverted to one another to resolve. This letter is to kindly plead a request of the immediate cancellation of the fees in the payoff of the mortgage effective XX/XX/2022. Our good faith has provided upkept payments to LoanCare , LLC to the home for preservation and maintenance. In receipt, please provide an updated payoff letter for us to file with the Estate. 

Should you need to contact us, please do not hesitate to call at XXXX. We thank you in advance for your expeditious actions, and consideration in this matter. 

Sincerely, Heirs to the Estate of XXXX and XXXX XXXX, XXXX XXXX XXXX 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 2022-12-29 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: MI

Complaint narrative:
PA XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

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 An 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 2022-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have contacted Navient on XX/XX/XXXX And advised of my refusal to pay the private loan debt according to my rights under the Fair Trade Commission 805 : c. I have requested that communication cease amongst myself, co-signer and other acquaintances. Since my request I have been unlawfully contacted by Navient on XX/XX/XXXX and XX/XX/XXXX. My rights are being violated by Navient once again. Please have Navient cease all contact according to ftc.gov code 805 : c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
Before the month end XXXX of XXXX, our company had issued 5 checks to various vendors. We mailed the checks by dropping them into a blue mailbox at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During the XXXX week of XXXX, we started to receive calls from our vendors who did not receive their checks. Upon checking, checks intended for them were cleared and deposited to someone else 's account. We submitted a complaint to our Bank, US Bank. We received documents we needed to fill up from US Bank and returned the completed forms to them in a timely manner. I have made several follow ups with the Bank but no answers or resolutions. The amounts of each check are the following : Check 1 - {$7700.00} - Tampered check -changed payee name on check Check 2 - {$12000.00} - Tampered check - changed payee name on check Check 3 - {$11000.00} - Tampered Check - Changed payee name on check Check 4 - {$2200.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account.

Check 5 - {$14000.00} - Check deposited to another account than payee. Check intended for a business account was deposited into a personal account of person who endorsed it fraudalently.

Total amount of fraud amounts to {$48000.00}. It has been 4 months with no action by US Bank. We submitted our complaint to XXXX and our fraud case number is XXXX. We mailed the original from to XXXX check claims, XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN 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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2022, I deposited a check from a loan from my XXXX to with my bank 's ( Wells Fargo ) ATM machine. On XX/XX/2022, those funds showed as " available '' on my account. I was notified on XX/XX/2022 that those funds were now on hold for the next 8 days. Upon calling Wells Fargo on XX/XX/XXXX, I was informed that I needed to call the " maker of the check '' and would release the hold. I called the maker of the check, XXXX XXXX who confirmed and verified that the funds were processed and the check cleared through their bank, XXXX XXXX XXXX on XX/XX/XXXX. I called Wells Fargo on XX/XX/XXXX inquiring why there was still a hold on the funds when after I did what was asked of me on XX/XX/2022. The call was escalated and the next level representative hung up on me. After calling back on XX/XX/XXXX, the only thing that could be told by the representative was " regulation cc ''. No further information or injury was given. Upon further research into XXXX XXXX, it is stated that after XXXX business days, at least {$4000.00} is to be made available. This was not the case. On XX/XX/XXXX, I went into Wells Fargo and spoke with a banker, who had to call the back office and then conference call in XXXX XXXX to confirm the check and state that it had been cleared, only then were the funds released. This is not the information that was given to me on the phone call I had with the Wells Fargo Representative on XX/XX/XXXX, and the information I was given was incorrect. I explained to the banker on XX/XX/XXXX that the information was incorrect that I was given when initially I called on XX/XX/XXXX and this could have been fixed that day, had the correct information been given. However further investigation into XXXX XXXX, states that on the XXXX business day, funds must be made available and as this was not the case, and was not made the case until I had to go into the bank and figure out the problem which Wells Fargo should have done in the first place. It was not my responsibility to call the maker of the check, but Wells Fargo.

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 2022-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
In XXXX, my federal loans were transferred from XXXX XXXX ( XXXX ) ( Account # XXXX XXXX XXXX ) to MOHELA ( Account # XXXX ). The transfer was not done properly. 

I had been on an XXXX plan with XXXX for years, and when the transfer to MOHELA was processed, I was incorrectly placed into an XXXX plan. 

At XXXX, my monthly payment was supposed to be around $ XXXX ; however, MOHELA says XXXX now owe approximately $ XXXX. 

In XX/XX/XXXX, I reached out to MOHELA to explain that there was an error in transferring over my loan. I was told that MOHELA would look into it and update my account. On XX/XX/XXXX, MOHELA denied my request and I continue to be on an XXXX plan. MOHELA told me I needed to recertify ; however, no one has been required to recertify since XX/XX/XXXX. 

My goal is that I be placed back into my correct XXXX plan and continue having the same payment as I had as of XX/XX/XXXX when student loan payments were paused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Bank of America ( BoA ) was not able to protect the confidential information of my XXXX XXXX XXXX and XXXX Account in BoA. A hacker was able to obtain this information known only to BoA and myself to know when my XXXX deposits were made and set up transfers from my XXXX Debit Card account to a checking or saving account named State of CA XXXX Unemployment. A summary of all the transactions is attached. A total of {$7400.00} out of {$11000.00} were taken by the hacker. I do not have a checking or saving account at BoA. 
2. Bank of America has enough knowledge to recognize the initial few unauthorized transfers of money to be illegitimate and canceled my first EED Debit card account around XX/XX/2022. When I inquired, they issued me a second card in XXXX or XXXX. However, the hacker was able to immediately obtain the information on this new card and continue to withdraw money from my XXXX XXXX XXXX account. 
3. I notified BoAs XXXX XXXX XXXX Customer Service about these unauthorized withdraws in XX/XX/2022. After BoAs investigation, they sent me a letter saying the withdraws were not errors, even though hundreds of thousands of other XXXX accounts had complained about this problem. I requested information they used to arrive at their decision, but no information was ever provided to me. ( Letter attached ) 4. I made a second requestion to BoA to reconsider their conclusion in XX/XX/2022. Again, they came to the same conclusion and provide no information they used to arrive at their conclusion. ( Second letter also attached )

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XXXX, I submitted documents for an employment data report from The Work Number by Equifax. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

After getting no reply, I submitted a new request and set of documents on XXXX. The reference number is XXXX. I received no reply, confirmation, or report. See attachment XXXX '. 

I submitted a new request once again on XXXX after not getting any feedback and included the above reference numbers as a reply. I did get a response from that said there were no attachments found in my prior submissions. That is clearly wrong as evidenced by the referenced screenshots. I informed Equifax as much in a subsequent reply that, once again, included the requested documentation. The reference number is XXXX. See attachment XXXX '. 

After submitting the reply on XXXX, I also attempted to call Equifax in order to speak with someone that could confirm that the documents were received. I was unable to find any option in the phone tree for someone in that department specifically. I did speak to someone that I believe was general support for The Work Number by Equifax and they were supposedly able to get a message forwarded to a XXXX regarding this issue, but it appears that has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage was originally held by XXXX XXXX XXXX and was sold to newrez in XX/XX/2022. Neither notified us of the sold account 30 days prior to the transaction as is required by law. Newrez reached out XXXX weeks prior to the change. I mailed a payment on XX/XX/XXXX after calling and getting the address to send checks as for some reason I was not able to complete an schedule payment on the portal. The check was required to be delivered by the XXXX. When I saw the check had not been cashed, I called the company who told me that this was a known issue affecting a lot of customers and they didnt know why they were not receiving payments and told me to call back the following week. I did and was told there was still no resolution and that I should just make another payment to avoid having anything negative on my credit report, and I asked why they did not have a policy in place if they knew the reason why they were not receiving payments was an issue on their end. I called again today and spoke with a manager and he said theres nothing he can do besides give me options to either pay again now or wait for the payment to post. For people who are outside the grace period from the transfer they are reporting negatively on these people over an issue the company created by changing payment addresses on the mortgage statements but not updating the barcode that is scanned for the post office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: MI

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX : # XXXX, has violated my rights. 

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 An 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 explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
At the beginning of XXXX I had contacted Prosper Marketplace. Due to covid and them doubling up the amount of the payments then enduring XXXX XXXX, I called Prosper and discussed my options as my father had offered to pay this account off. I spoke to an agent and asked the same question several times will this affect my credit, as he gave me a number and it was paid immediately. He clearly stated it would only show the account paid I clarified again he said it will just show that the account is PAID no other incriminating information. I then noted that the account shows the word settlement and a red mark on my XXXX payment status which dropped my score considerably. My goal was to enhance my credit moving forward thus being so particular about what they would state on my report. During the conversation he had asked if I was in front of my computer and logged into my account I said yes he said press the accept button which I did. I have since written to them via email in excess of 10 times most of which they don't respond, I have asked that they listen to the recorded message which they refuse to do. I followed the guidance of that agent, had I known it would be derogatory to me, I would not have paid it off. This company prays on people that are just trying to get out of debt not into it. I request that the conversation be listened to and where it was clearly explained that only the word PAID would show and not a barrage of additional information that they put to harm the consumer. I paid this in good faith rather than go into bankruptcy which would have been worse for them. I ask that they remove anything other than what I was told would be there which was only PAID and a XXXX balance owed. 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