vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
This in regards to The Bank of America settlement and I could not figure out the right information to make a complaint about that in particular. 

I recently saw the news about it and was not surprised because I had personally had this experience with them. They fully convinced me that there was nothing I could do about the situation and everything they did was legal. I did not know what avenues I could take such as filing a complaint with CFPB. 

I had an account with Bank of America for about 2 years and in that time I was never awarded the sign up bonus I was promised during my signing and I was double charged multiple times for overdraft fees. I stopped trusting them with my money and they eventually closed my account. I am wondering if there is anything I can do or is it too late?

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/23 at around XXXXXXXX XXXX I deposited cash into a stand alone Bank of America ATM on XXXX XXXX at the corner of XXXX and XXXX XXXX. I deposited {$2100.00} in {$100.00} bills. The machine took the cash. I was adding more funds and it locked up. The machine didnt credit my account and it gave me a receipt telling me to call the claims number. I have filed a claim with the bank and have been checking to see how it is being handled. I have been getting the run around and just told they are investigating. They say they understand and they are sorry but I live paycheck to paycheck. My company doesnt have direct deposit and we receive a paper check every week. I always deposit funds after I cash my paper check from the bank its written on. I feel I need to reach out and file this claim for assistance. I would greatly appreciate any help I could get. Ive made several attempts to escalate the issue with the bank to no avail. Please help me and my family. We greatly depend on these funds to pay our bills.

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 2023-07-11 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: SC

Complaint narrative:
I'm an extended identity theft victim who has done everything I can do legally and have abided in sending requested information to Experian and XXXX to block accounts connected with fraudulent activity. Per the FCRA and XXXX they are to report accurate information and to not report negative information on accounts in dispute for fraudulent charges. I have filed and submitted my FTC identity theft report in addition to them having my official police report. Per FCRA 605B all accounts outlined in the identity theft report is to be blocked Per consumer request and the law. Experian blocked the accounts with the report but then unblocked them per the creditor from what I was told. Totally disregarding my plea and my legal rights I continue to suffer damages because of their incorrect and fair reporting. XXXX  XXXX XXXX and XXXX have been notified of the fraud and continue to validate fraudulent accounts. This is wilful non compliance and I want to report this abuse of power and have it investigated appropriately.

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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used rewards points to obtain gift cards in XX/XX/. They were sent but lost by XXXX. They were reissued but I did not receive the entire order. Two XXXX $ card were missing. I have tried to get these sent on 5 different communications. Latest request was today XXXX XXXX they wanted to file another escalation/ I asked to talk to a specialist and they had me on hold for 30minutes before I gave up. 
Two month ago the said they would restore the points used on the missing cards but they were never restored.

Please stop this kind of incompetence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right.

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: TX

Complaint narrative:
In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right.

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX - IDENTITY THEFT 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 Any 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 of 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
Consumer complaint received 2023-07-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been on the phone with LITERALLY XXXX representatives and a TOTAL OF XXXX hours ... I have been following up on my dispute and MOST say they don't see my paperwork and others do... .then when I ask to get to a supervisor, most say they don't have the ability to transfer me, so I have to keep calling back until I finally get someone who transfer me. They claim they do not see an CFPB report, when I log into the portal, and see the date and their response back to the CFPB... which says the are looking into it ... I ask to be connected to the Consumer Affairs office and they seem to put me through to XXXX of their co-workers in the same office. When I ask what department they are in I normally get fraud department. Remind you that calls are averaging about XXXX - XXXX hours PER CALL. They are playing games with me and no one there is giving me the courtesy as a consumer. I don't have time to sit and play games with these people and this is not a joke the way they are handling this situation! I'm also contacting the OCC because they can't continue to treat consumers this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The end XX/XX/2022 I took line credit on my home XXXXXXXX XXXX  sent the payoff to comenity wayfair {$4800.00} we got the address from them to send and got payoff off my stmnt off line. Then received call the end XXXX said they didn't get it.the bank asked for overnight address they gave a lock box address they tried saying didn't get but bank verified was cashed by comenity bank. Have sent several disputes and so did the bank showing they cashed it and even filed with the XXXX of Ohio and they keep saying go to the bank that cashed it. They cashed it I sent proof and so has XXXX XXXX. They have damaged my credit and added fees to the account I need someone to make them fix this and hold them accountable I have my wife handling this as I work as a construction XXXX during the day. Her name is XXXX XXXX I put her email and phone number above. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
On the XXXX of XX/XX/2023 I invited an Individual name XXXX XXXX from the flooring and carpet company XXXX. He began showing products of different types of flooring. He then proceeded to describe financing options. One was with XXXX XXXX, and the other one was with a company called Fortiva. I agreed that i needed new flooring because the flooring in my home at the time was worn out. Fortiva decided to give me financing. 

We agreed on a date for XXXX to send two contractors to do the job as was stated to me. It was around the first week of XXXX when one contractor showed up to my residence to do the work. I asked him where is the other helper. He said he was the only one. I permitted him to began the work. The individual appeared to be in a rush with his work, and directly in front of me poured out a substance onto the floor and later I found out that it had been mixed with the glue he was using to seal the floor to the foundation. He tracked the glue and substance through the house onto the new flooring. 
I told the company about this, and they decided to send him back to clean up his mess. He came and stayed about 15 minutes and the same situation remained and remains. The flooring is damaged. I send the so-called credit card back to Fortiva as a means of rejection of services. Fortiva has sent me a bill that is not correct and I never gave permission to make a transaction with the card they sent to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT 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 Any 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 of 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 2023-07-11 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: ROYAL UNITED MORTGAGE LLC
State: GA

Complaint narrative:
This is my formal complaint to XXXX XXXX XXXX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last XXXX digits are XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I had approximately {$75.00} in cash rewards on two business credit cards with Bank of America. They unilaterally closed both of my business accounts, revoked my business credit cards, closed my personal checking and saving accounts, and did not allow me to redeem my cash rewards on my business credit cards to my personal account prior to closing that account, as well.

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 2023-07-11 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: WV

Complaint narrative:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
XXXX and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' XXXX and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I applied and was approved for a credit card with Genesis FS. When I received the card, I decided that I no longer wanted the card and never activated the card. I received a bill for their annual fee ( the reason I didnt want to use it ) and called them. The representative I spoke with told me they werent able to reverse the fee because it was contingent on my applying for the card. I asked her how could they charge me a fee for a card I have never activated nor used. She again told me it was because I applied with her company and was approved for the card. I told her I was going to report this to my states attorney general office. I called the attorney generals office and they referred me to file a complaint with this organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NJ

Complaint narrative:
bank servicing did deferment with out my consent in the amount of XXXX, while being eligible for the funds from XXXX XXXX. and are not communicating with the program, whenever i call they are saying that a supervisor will call me and they never do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OK

Complaint narrative:
I made a purchase on XXXX on XX/XX/2023 for XXXX. The purchase was cancelled and refunded immediately ( within the hour ) by XXXX due to a booking error. Cash App is refusing to release the funds blaming it on the merchant. They requested documentation to prove the cancelation and I provided the official documentation recieved by XXXX showing the date, charged amount, the refund, and {$0.00} balance due. Cash App still insists their is nothing they can do and insinuates the refund is unknown to them amd that I must wait on the merchant, XXXX, to resolve it but XXXX has advised they have already processed the refund and that Cashapp should have released it already. Ive never had to go through this with Cash App before and have never had any chargebacks or an other irregular activity on my account so I dont understand why they are holding my funds. I would like someone to look into my account and resolve this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Westlake financial services is committing securities fraud with my security. I also received a 1099C and 1099A from them canceling the debt yet they are still charging me, and when I tried contacting them about this no one seems to know anything about what I'm asking and then they will hung up on me. I need my account to be XXXX OUT! AS THE DEBT HAS BEEN CANCELED AND MY TITLE SENT TO ME. I WILL GIVE YOU ALL 10 DAYS TO FIX THIS OR I WILL GO TO COURT FOR SECURITIES FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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 — Investigation took more than 30 days
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Per last complaint, XXXXXXXX XXXX agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow XXXX to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and XXXX have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.

Company response to consumer: Closed with explanation