vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America, in violation of their own policies, continues to receive money intended to pay principal, misapplying the monies received in order to continue to charge me interest on the monies received. Currently my balance includes over {$740.00} in excess interest charges. 

I asking CFPB to step in and explain to the Bank of America that they need to follow their own policies and stop deferring application of monies received and to apply the monies as indicated below : The Bank of America continues to hold my money paid towards principal despite my requests to have applied as intended, as listed below : Date Payment Type XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$10000.00} Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$5000.00} Principal only XX/XX/2023 {$9900.00} Principal only XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment The Bank of America has acknowledged they have received the above monies but they fail to correct their repeated misapplication of funds received, holding the money while continuing to charge me interest. I believe there will come a class action lawsuit which I am prepared to start. 

I have made three other complaints. CFPB incorrectly closed the last case claiming a response which was dated PRIOR to said complaint was sufficient to close the case. I hold CFPB responsible for its assistance or lack thereof as a supervising bank.

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 2023-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX, while I was travelling in XXXX, there were 7 fraudulent charges made in the US, they were disputed and removed. but the charges keep coming back the latest charges are for {$270.00}. I have asked for the account to be closed. and no further charges be allowed and that is not happening. 

charge : XXXX XXXX XXXX XXXX 
unknown charge/running charge - {$270.00} I have ben disputing and resolving and back and forth since XX/XX/XXXX. I want the account close and no charges be allowed. 


Date Description Amount Running Balance XX/XX/2023 CREDIT INTEREST CHARGES {$2.00} {$270.00} XX/XX/2023 XXXX XXXX XXXX {$130.00} {$270.00} 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 monetary relief
Consumer complaint received 2023-08-13 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: DISCOVER BANK
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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:
Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX  XXXXXXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN 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 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 2023-08-13 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:
Accounts the  XXXX XXXX XXXX- account number XXXX XXXX  XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 any OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN 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 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 2023-08-13 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: NJ

Complaint narrative:
I had a family emergency had to leave country and try to log in unable I received email tht mortgage company will be transferring so I don't understand why I'm being reported delinquent to credit company I realy need help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: Synovus Bank
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I bought my car with Toyota where they offered me this credit card which I refused and it seems like they applied without my consent and I dont even have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am XXXX years old and am having my daughter file this complaint from me as I feel totally unheard and disregarded. 

I have no vehicle hence there should not be car insurance deducted from my account. I do pay my grandsons car payment through XXXX but his mom pays the car insurance. I made contact with Truist last month once my daughter started reviewing my account with me. She was concerned as to why my balance was dwindling so fast. 

I have called Truist to no avail. I initially filed the dispute in XXXX and requested the block through the app. I received notifications that the dispute was in process. Had not heard anything. 

I looked today and the same charge from esurance came through on XX/XX/23 for XXXX. Speaking with offshore agents is ridiculous. I was advised that basically the dispute was filed but the block was not completed hence the charge coming back. Now I have to get yet ANOTHER card and file yet ANOTHER dispute. I am on a limited income and Truist is letting someone just take my money!! The rep told me that I need to call and stop the recurring payment but how can I do that when its not mine and I dont know the name of the person that created this transaction!!!!!???

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 2023-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As previously stated, the payments made towards my XXXX XXXX account XXXX is not being accurately reflected across all credit reporting accounts. I have attached several documents that clearly indicate correct payment activity for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These documents serve as concrete evidence that I have indeed met my payment obligations during these months. 

Furthermore, I wish to bring to your attention that specific arrangements were made regarding the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Through an extension agreement, these payments were rescheduled to be fulfilled at a later point in accordance with the terms of my contract. I kindly request that you update my credit report to accurately reflect these contractual adjustments. 

In light of the aforementioned information, I urge you to take immediate action to rectify this situation. I request that you correct the inaccuracies in my credit report by removing any late fees associated with the aforementioned months and accurately reflecting the true status of my XXXX XXXX account payments. This correction is essential to ensure the fairness and accuracy of my credit history. 

Enclosures : - Documentation of Payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) - Copy of Extension Agreement ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Winklevoss Exchange LLC
State: NY

Complaint narrative:
Dear Gemini Credit Card Dispute Department, I am writing to dispute charges totaling $ XXXX from XXXX XXXX XXXX I booked a 4-night stay from XX/XX/2023 to XX/XX/2023. When I arrived, I found the hotel under construction with no air conditioning or amenities. My stay was highly unsatisfactory. 

I brought this to the hotel 's attention and asked for a discount, but they refused and charged me the full price despite my only staying 2 nights. I first disputed the charges for the unused nights, providing photos and a written explanation, but Gemini denied my dispute. I appealed again and provided more evidence of the hotel 's unacceptable condition, but the dispute was rejected again. 

The charges are fraudulent because I did not receive the hotel services I paid for during my stay. The hotel was simply not operable with no XXXX and amenities under construction. As evidence, I have attached : Copy of original reservation booking and receipt showing XXXX nights Photographs showing construction and lack of amenities Written complaint submitted to hotel management An invoice showing full charges for 4 nights after staying only 2 nights XXXX XXXX XXXX did not deliver the experience promised when I booked. Despite not receiving the services I paid for, they refused to discount my stay. I should not be held responsible for paying full price on an incomplete stay. Please thoroughly review the evidence and reconsider my dispute. The charges are illegitimate and should be removed from my account. 

Thank you for your time. I look forward to your prompt response on this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
For the past 6 weeks or so, Ive been applying to rental properties in preparation for my upcoming move. I have submitted applications to several properties recently and discovered that I have ( 4+ ) fraudulent, inaccurate, unverifiable, medical hard inquiry errors that I do not recognize. 

A medical debt collector agency named ( Design Receivable Solutions ) wronfully reported a medical hard inquiry that has been on my credit report since XX/XX/XXXX. 

The debt collection agency Designed Receivable Solutions. Took over the following debts from XXXX XXXX XXXX for - {$4700.00} -- another is for {$250.00} - - another for {$84.00} and another for {$59.00}. According to this medical debt collection agency 's website, they are based in XXXX XXXX, but have a location in XXXX California as well. 

I have absolutely NOTHING to do with this debt, the collection agency inaccurately reported hard inquiries on my credit report, it says that these charges were from visits to XXXX XXXX XXXX from XX/XX/XXXX. 

In XX/XX/XXXX, I was in XXXX Alaska. I also have proof to discredit their claim as evidence, such as : 1. ) A police report. 
2. ) FTC Consumer Fraud report. 
3. ) Consumer Financial Protection Bureau ( CFPB ) Complaint. 
4. ) Airline tickets. 
5. ) California State Attorney General report & Complaint. 

I have uploaded the police report and other Government agency documents with this FTC Consumer Fraud report. 

This incident has seriously affected my credit score, I am formally requesting that the medical debt collection agency ( Designed Receivable Collections ) ( XXXX ) ( XXXX ) and ( XXXX ) provide proof of my signature for repayment and provide proof of my authorizing the furnisher and the ( 3 ) credit bureaus access to my credit report. 

I am requesting you promptly rescind all such account information furnished to ( Designed Receivable Solutions ) and require them to purge their records of all reference to this account, and that you ensure that any and all reporting from this account is immediately deleted from my credit reports. 

Please respond in writing within 10 days acknowledging that you are processing this request. 

I am also reserving the right to take appropriate legal action and civil action including reporting to any applicable regulatory authorities. 

Any lack of cooperation or compliance with this request will result in a lawsuit against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: SC

Complaint narrative:
To whom this may concern, out of no where 10 accounts have been added to my account of an alleged debt that I have never received by letter or never heard of the amounts that have been added to my consumer report. I im requesting under the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification or proof of my mailing address, but a request for Validation made pursuant to above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I also demand that you delete the alleged debt off of my credit reports. This is also violating 20 Ferpa Act 1232g ( b ). I did not authorize to disclose the alleged debt on my student loan information to Nelnet. I am now concerned about the privacy of my student loan information. I do not want any other third party to have access to my student loan information without my consent. I am requesting an investigation on this matter and steps to prevent the unauthorized disclosure of my student loan information in the future. I would also like to be reimbursed for any costs if in fact the alleged account is mine that I incurred as a result of this unauthorized disclosure to another third party company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Company continue to report false balance amounts, contracts, insurance payouts, previous identity records linking me to the account ( s ).

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 2023-08-13 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681section 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 1681 C ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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 non-monetary relief