vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I am a court appointed conservator with a certified and stamped court order of Conservatorship from the XXXX XXXX XXXX XXXX. Issued XX/XX/2022. ( Certificate enclosed ) My ward is non-compos mentis. As conservator, I must get him approved for Title XIX entitlement in order to place him in the care of a facility. 
In the pursuit of getting 5 years of Wards bank statements from the BANK OF AMERICA as required by Title XIX, I waited a week to get an appoint with BANK OF AMERICA 'S local XXXX XXXX Branch and went to the appointment. They refused to give the statements to me. BANK OF AMERICA does not provide for a mechanism to allow me to get my Wards bank statements. They must close the account, open another account before they can give me statements. They sent me away with a few months statements but not 5 years which makes absolutely no sense at all. They told me to call the customer service number, which was futile. 
As appointed conservator to a non-compos mentis person I do not have his pin number. I was unable to do anything other than become very frustrated on BANK OF AMERICA 's phone system that required a pin number which I of course do not have and can not obtain because of my Ward 's condition. All I have is an account number, ( above ) a social security number ( I will give you if someone calls ). 
All other banks in my neighborhood look at this Court Sealed Certification and hand over the bank statements. Your banks will not cooperate. I have been to another branch of BANK OF AMERICA in XXXX XXXX Branch and received the same very pathetic service. I need the statements sent to me, immediately. I fear my Ward will be thrown out of his place in the rehabilitation home without getting on Title XIX now. 
Attorney xxx, xxxx, ,xxxxx, xxxx XXXX XXXX, CT 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 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.

Complaint narrative:
I am writing as requested to provide you with the details of my, and my mother 's experience in dealing with Citi Bank since XX/XX/XXXX in regards to the Citi XXXX account my grandmother had with them. 

I have attached a copy of the complaint letter sent to their compliance department in XX/XX/XXXX, which fully explains the circumstances of the challenges we faced up until that date. We have provided a multitude of documentation, including my mother 's birth certificate, the original copy of the power of attorney ( which has still not been returned to us ) and legally notarized documentation to prove my mothers identity. 

I have also attached a copy of the full transcript of all messages sent to their customer services team via their company XXXX account, and copies ( with the account number removed ) of two subsequent letters ( XX/XX/XXXX and XX/XX/XXXX ) sent to the XXXX XXXX office, along with a response received from them recently. 

In XX/XX/XXXX, we also received a letter ( copy attached ) from my grandmother 's cousin ( XXXX XXXX XXXX who, along with my mother ( XXXX XXXX ) was named as 'ITF ' on my grandmother 's account. She informed us that she had gone to the bank with the documentation requested by the XXXX office and it had been copied and filed on the account. 

She also informed me that I needed to CALL the office in XXXX XXXX to get the funds released to me. I was not able to call and speak directly to anyone in XXXX XXXX, so again, I had to write another letter, to which I recently received a response requesting even more documentation and needing to go to the US Consulate in XXXX for attestation. 

For me not to receive a response to a recorded delivery letter ( sent via XXXX ) directly to their compliance department 6 months ago is surely against regulations? I have not even received a response from their compliance department to say that it is being investigated. 

I am happy to provide any other details requested, but this should NEVER have even got to this point. My mother was entitled to receive the money in trust to her in my grandmother 's account. 

To say we are beyond disappointed in why this has taken so long and caused so much distress to us as a family is inexcusable. We have done everything possible to try to follow through on my grandmother 's wishes and have been blocked in one way or another at every point by Citi Bank. 

My grandmother wrote a letter to your bank in XXXX saying that she wanted to come and sort the account out in person but was unable to do so due to her declining health. She also noted that she hoped she could do so in the summer of XXXX but it turned out that she was not able to do this either.

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 2022-02-01 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX a {$4000.00} check was mailed to Goldman Sachs XXXX. The financial institution confirmed it cleared on XX/XX/XXXX. On XX/XX/XXXX the payment was reversed which lead to my first phone call. For the next couple of months I called at least 1x a week because the funds were not applied to my account NOR sent back to me. I also added my account number on the check, proof attached. Multiple times I was told someone would get back to me that week and NEVER did. On XX/XX/XXXX I received an email that an error was had on their side and my check had been applied. I confirmed via phone that they would correct anything reported to the credit union as late during that time. They confirmed there were no late payments because they lost my check so I did not have my {$4000.00} nor was it applied. My credit report has not been updated to reflect their error. On XX/XX/XXXX they responded to another complaint saying, " The Bank removed the past due reporting for XX/XX/XXXX, and confirms the account is now reporting correctly with no negative marks, the account is closed, and the account has a {$0.00} balance. '' My credit report from this company still reflects 60 days late in XXXX. Their response was not accurate. 

I filed another complaint and on XX/XX/XXXX they responded saying the late payment would be removed. It was then a couple of days later reversed back to late. 

I also found out my account that is closed as of XXXX had charges that went through into XXXX that I did not approve ON A CLOSED ACCOUNT. 

THIS IS THE WORST COMPANY I'VE EVER DEALT WITH. Every person you talk to it's something different, they mess up your account, and terrible customer service!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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:
After receiving my credit report I found late payments that I want to get removed from my credit record. According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit as per the law there should have no late payments in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After receiving my credit report I found late payments that I want to get removed from my credit record. According to the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit as per the law there should have no late payments in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/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 2022-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.

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 2022-02-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On my XXXX credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.

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 2022-02-01 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: NC

Complaint narrative:
On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.

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 2022-02-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On my FICO credit report, it shows I have a delinquent mark from " serious late payment. '' However, none of my payments are late. So, I opened up the report, checked all of my open and closed accounts for a late payment. None of my accounts show late payments. So, I can't even go to a company and discuss this because I'm not sure where the information is coming from. I even checked the collections report and I am not in collections for anything either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: FL

Complaint narrative:
Please be advised, Im been a victim of identity theft. The following accounts are all fraudulent. Please see attached Ftc report & my identification. 

XXXX. XXXX XXXX {$4000.00} XXXX. XXXX XXXX  {$7700.00} XXXX. XXXX XXXX {$790.00} XXXX. XXXX XXXX {$140.00} XXXX XXXX XXXX {$510.00} Please see attached clear FTC Report, submitted by myself with no help.

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 2022-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFR Violations. 
This correspondence is in regard to violations of Coded Federal regulations committed by BANK OF AMERICA. I XXXX XXXX have been made aware of these violations. I am in distress after being made aware of said violations. This knowledge has created many hardships for my estate, as well as striping my comfort and jeopardizing my security. It is inconsolable to learn that BANK OF AMERICA does not operate with integrity. 
This correspondence is also in regard to adverse action committed on XX/XX/XXXX. The adverse action offer is here by rejected, a credit/ bank application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). 
These violations consist of but are not limited ; 7 CFR 765.305 Release of Securities 12 CFR 1026.13 Billing Error 12 CFR 226.6 Account opening disclosure 12 CFR 1002.2 Account Definitions 12 CFR 141.5 15 U.S.C. 78j Adverse Action 15 U.S.C 78ff 15 U.S.C 1691 ( a ) ( 3 ) 17 CFR 260.11b-6 18 U.S.C. 241 18 U.S.C. 242 18 U.S.C. 1341, 1343, 1961, 1962, Civil RICO Title 42 U.S.C. 1983 Constitutional XXXXnjury, 1985 Conspiracy, 1986 Knowledge and neglect to prevent a U.S. Constitutional wrong. Under Title U.S.C. A.241 Conspriacy case no. 96-41-347-DRS Memorandum of Law 8 violators shall be fined not more than {$10000.00} or imprisoned not more than 10 years or both

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX after making three ( 3 ) identity theft reports with the Federal Trade Commission, I was directed to Equifax located in XXXX XXXX. at XXXX XXXX XXXX XXXX. I Stated the reason and circumstances for my call. I.e. Identity theft. I took photos of my License, Social Security Card and selfie, then denied the credit report I was, under the Fair Credit Act of 1970, entitled to. Their word, not mine. And handed a list of hoops of fire needed to jump through before I could obtain what should have already been in my possession. Yes I am XXXX and feel once again violated and ridiculed. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: AL

Complaint narrative:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Good Day. I am writing to have the items listed with my report deleted deleted from my credit profile. I am a victim of identity theft and did not authorized these inquiry requests, I ask that the items be deleted to correct my credit profile. I reported the theft of my identity to the FTC ( federal trade commission ) and I also have enclosed copies of the Federal Trade Commissions notarized identity theft Affidavit.

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 2022-02-01 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:
Per my last complaint to Equifax ( attached ) I requested their proof of permissible purpose of my consumer report. In accordance to the FCRA ( Attached ) I have the right to request anything in my credit. Per the FCRA permissible purpose entails the following : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am requesting proof of permissible purpose for the following accounts : XXXX XXXX XXXX XXXX Now, I need Equifax to understand that I have researched and understand and over stand my rights under the FCRA and their obligations as a credit reporting agency under the FCRA. Because of the disregard to their obligation under the FCRA I have submitted a formal complaint to the GA state attorney XXXX XXXX XXXX on XX/XX/2022 as Equifax have refused to supply me proof a court order or my written instructions granting them permission to furnish my consumer report. In addition to the efforts I have already taken, I will Under the FCRA seek damages in court in the amount of {$1000.00} per account PLUS putative damages. 

I reason to believe that equifax forgets that they are not a government agency and they have federal procedures to follow and nothing trumps that. 

I am hoping to settle outside of court However, in the event that Equifax continues not to comply with their Federal regulations and obligations I will proceed to filing my summons in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
Car was vandalized police didn't give me the option to keep the car or to have them tow it. They towed it. The person who vandalized the car was not charged. Now it is being reported at a false amount and as an open 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 2022-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
We were in COVID Forbearance for XXXX. We came out of it in XXXX. Our payment before the forbearance was {$1400.00}, after the forbearance we did a modification to {$1500.00}. We paid that amount for 2 months. We went to pay XX/XX/XXXX mortgage and it had {$1700.00} due. We have received no notice that it was being raised another {$200.00} dollars. Upon calling Loancare we were told that there was a shortage in the escrow. They informed us that they had paid the escrow based of XXXX. I informed them if that was so there should of been an overage authentication taxes and insurance was lowered. We made $ 20k less in XXXX and can not afford an extra {$200.00} along with our other obligations. This is not helping this is harming us.

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 2022-02-01 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: OH

Complaint narrative:
There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.

Company response to consumer: Closed with explanation