vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to you because I am literally at my wits end. Im at a complete loss and I hope you can get accomplished at what Ive been unsuccessful at. 

On XX/XX/XXXX I walked into a local Bank of America branch to pay my mortgage. What I didnt know until Saturday, XX/XX/XXXX is that on XX/XX/XXXX the teller applied my mortgage payment to my Bank of America credit card XXXX I was scheduling my monthly bills this day when I was scheduling the BOA credit card it said I owed {$0.00} with a credit of {$570.00}. I was like do I have a secret Santa? Nope I saw payment made XX/XX/XXXX in the amount of my mortgage. I went down to the local branch with my receipts from XXXX which showed it was applied to the credit card. 

The gentleman took copies and said they couldnt fix it there and couldnt reach out to whoever until Monday XX/XX/XXXX. He took my info I got a direct number to that location went home. The guy from the bank called me said they could get ahold of someone but I needed to come back to authorize the fixing of the mistake. I went down they got a guy named XXXX on the phone he said he put in the change itll be reflected by Wednesday XX/XX/XXXX. 

As of today XX/XX/XXXX it has not been fixed Ive been to the local branch multiple times, Ive called the XXXX # and sent them messages. I have now been reported to XXXX twice for 2 months of late payments as my XXXX payment they took out of my bank account but have not applied it to my mortgage. 

This has been the worst experience ever, how difficult is it to remove the wrongly applied mortgage payment from the credit card and rightly apply it to the mortgage? Ive opened up a dispute with XXXX and then tonight I get another notification BOA has flagged me 2 months late Ive never been late ever in the 12 years Ive had a mortgage with BOA. It should not take this long to fix a mistake made by BOA and in the process my credit is taking a hit which I pride myself on good credit. 

Ive called, messaged and gone to the local branch not resolved. The customer service is awful right up there with XXXX. One response I got was were not responding to this your other message isnt closed, meanwhile theyre sending me stuff for having trouble paying my mortgage. 

I was charged at late fee etc. I just cant with this bank I honestly dont know if you can even help but this has been a nightmare. Ive included the documents you need the receipts the messages Ive sent screenshots showing I was reported to XXXX twice since Sunday, XX/XX/XXXX. 

I not only want my mortgage payments applied correctly, I want the XXXX ( XXXX ) reports to XXXX to be removed. My credit should not take a hit because the bank made the mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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: MI

Complaint narrative:
On XX/XX/XXXX, I deposited a {$9000.00} government issued check into my checking account. Upon depositing it, I was told by the teller all funds should be available the next day. After the teller deposited the check, I was told that the majority of the the check would be available the following day and the remainder would be available by that Friday, XX/XX/XXXX. I have a written receipt stating this breakdown. 

The following day after the deposit, however, XX/XX/XXXX, I login to my account to see that all funds wont be available until XX/XX/XXXX with the message that it is assumed that the government issued check would not be honored. Id like to mention that I have never had a returned check on this particular account and I maintain over {$6000.00} in direct deposits each month. 

Moreover, I had a payment pending for {$2500.00}, that had a online notice saying that it was a partial hold on the deposited funds to honor the payment that was pending. I login today, XX/XX/XXXX, and see that the payment was returned while my check is being held for two weeks to clear. 

Today I will be further researching and inquiring as to what next steps I should take, as this is the third time that Bank of America has placed excessive discriminatory holds on my accounts because any check I deposit, along with money orders, are determined by BOA to allegedly have a high likelihood of being returned. I am a XXXX, XXXX woman, who again never had any checks returned on this account and in total I have banked with Bank of America for over 20 years. I feel discriminated against, considering I live in a predominantly XXXX zip code with a majority of the per capita income below the national poverty line. In contrast, I deposited the check in a predominately White zip code branch location where the per capita income levels are some of the highest in the country. I also watched an older XXXX  man in line before me simply walk in and cash a {$12000.00} personally written check and my government issued check is being held for two weeks. The issuer has indicated that the check has already cleared, but Bank of America continues to not allow my funds to be available. The disparate handling of my account and treatment and lack of a response after I filed my initial complaint is troubling and distressing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Sat. XX/XX/2022 at XXXXpm. I interacted with a hacker impersonating a tenant on roommates.com. They emailed a lease to sign. I sent {$1300.00} via XXXX to secure my room. After I sent {$1300.00} and did not receive a confirmation email from the rental property, I immediately contacted BofA. I reported fraud via phone to BofA. 

I used the XXXX feature on BofA. When I spoke to Bank of America the agent told me the other party where the money was sent was also BANK OF AMERICA. 

XXXX said it was Bofa responsibility. My account is w/ BofA. How can a BofA allow fraud to continue and not be accountable? BofA has FDIC insurance to protect from hackers. 

XXXX is a legitimate website that should be held accountable too. I could not reach them. 

Bank of America said if there is money on the account they will pull it. I received a letter from BofA that my fraudulent claim was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: NY

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number 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 instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Apple XXXX Goldman Sachs has not provided good enough security and allowed XXXX to bill my card without my permission for {$24.00} ( {$360.00} annually ) with an expired card ( after i requested a new card my account was charged ) Apple has also done nothing to patch the XXXX  Terms & Conditions glitch & needs to explain why they attempted to fleece me out of {$460.00} for a simple isopropyl alcohol cleanup! I've invoiced them this amount for being abusive towards their customers & this complaint serves as investigation into Apple 's business practices. 

I currently have a $ XXXX Apple Card balance which I can not use with my mobile wallet, no reasons given whatsoever - It's my money, shouldn't I be able to use it on the App Store XXXX the mobile wallet & on any iDevice? 

This should be referred to the Office of the Comptroller & affiliated parties

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: MA

Complaint narrative:
As millions of Americans we have been impacted by COVID and our mortgage with Flagstar Bank was put in Forbearance. On XX/XX/XXXX. XXXX we were offered loan modification, however in order to finalize we had to complete 3 trial payments on the following months XXXX, XXXX and XXXX and which weve successfully completed and on XX/XX/2022 we received a package to finalize the modification and bring the loan current. My wife and I signed, notarized and sent the package back quickly. In the meantime, we continued to make payments as instructed and I continued to call the bank at least once a month to make the payments ( since we cant do it online ) and inquiring about the online banking and asking about my loan. 
At no point I was told there was a problem nor received any lette. Beginning of XXXX and during a regular call to schedule my payment the rep shared with me that the loan modification was closed due to me breaking the trial payments?! And the same agent was able to confirm that the info she shared with me was inaccurate and opened up an expedited request to reopen the loan. After a week of waiting and stress I called again to get an update after 5 attempts due to calls dropping I was able to speak with a rep who gave me a whole new story for my loan being closed and it had to do with recording being rejected?!! 
Now, the account was sent to collection department, and weve been getting scary letters with threats to pay all the outstanding balance of over $ XXXX and were in danger of loosing our house! Till this day no one had explained how we got to this and why?! 
I have sent Qualified Written Request ( Notice off error ) on XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
XXXX  billed me twice for {$1.00} when my balance was {$1.00} - I submitted both transactions but clearly only one should have gone through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX was installed on my XXXX and laptop computer. I tried several attempts to clear out the XXXX. They can bypass security software. They have installed hidden icons, which cant be located. They ordered credit reports with my credit card. Charged purchases on my XXXX, XXXX and Discover credit cards. Im so confused and frustrated on how to get this problem resolved. I have contacted XXXX numerous times and the manufacturer and XXXX to resolve. They were unable to resolve. This has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: ZuntaFi Corp
State: TX

Complaint narrative:
My correct contact information to advise me of payment amount, payment due date, and name of company to pay was incorrect when the account was opened and the original contact information on my account belongs to someone else. I only found about these errors when 30 day and 60 day late payments showed up on my credit report. I called the merchant listed on my credit report and advised them to correct my contact information and told them to remove the late payments after I brought my account current. They can not report me as late paying when they never contacted me to give me the information to make payments.

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 2022-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/22 we got approved by XXXX for past due payments, which mortgage has received it and applied. We also received the future 18 payments moving forward for the full amount of my mortgage payment and XXXX  worker told me they will be paying out starting XX/XX/XXXX. Until today mortgage says they have not received the payments and Im past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hi there. On XX/XX/XXXX, someone one XXXX was trying to buy a product from me. They tried to XXXX me money but I never recieved it. They would take screenshots saying that the money has been delivered but on my end nothing. So then I recieved an email from XXXX stating that in order for the money to come into my account I must send {$400.00}. So I did in order for her money to come through. And once I sent it, they sent me back another message saying {$600.00} now. I believed in it because the email looked legit. So the total I gave them was {$1000.00}. It was stupid of me. And then they asked for another XXXX once they asked once more, I thought back this is ridiculous for just some cheap shoes I wanted to sell. So immediately I blocked the people, and called the bank. They said they would try to get it back but can not guarantee. I have a few information about the couple like their email that I sent through if that helps. 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
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2022-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Back in XXXX I was a victim of XXXX in XXXX XXXX he was taken also in XXXX Unemployment sent me a letter saying my identity was breached also with XXXX my identity was breached and with this RV company I just got a letter my identity was breached the only things I should be on my credit should be a paid off XXXX with XXXX XXXX totally paid off XXXX XXXX XXXX  credit card for XXXX hour limit almost paid off XXXX XXXX almost paid off XXXX XXXX almost paid off that is the only stuff that should be on my credit report I on my own home I owe nothing on it I owe no bills I never had any and Im very upset I am XXXX years old and I should have great credit I paid off all my vehicles I have I paid off my home never been in trouble nothing and Im going through this my credit score should be so high big due to the fact that I paid off two cars with cash bought a house paid off my credit cards and I only should have two store credit cards and one for XXXX card and I noticed theres a lot more on my credit reports that it supposed to be there and I want it removed because this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: VA

Complaint narrative:
There was an account opened with XXXX Flags that I never had and filed a police report. I sent over the police report VIA email after I called ( XXXX ) XXXX. This was back in late XXXX and early XX/XX/2022. While the gentleman provided the email he had the audacity to STILL demand payment. It was ridiculous. It has now been XXXX weeks and it's STILL on my credit report. This company has a LONG history of arbitrarily placing debts not owed on the XXXX and another has just been added. It's a pattern that places the burden on the consumer while it takes absolutely nothing to add information on ones credit report. It is XXXX and it was placed on my credit report the last week in XXXX for an account they say was opened in XXXX of this year. Which is impossible considering I have not been to ANY XXXX flags in several years and that none of the information proved to me over the phone even matches me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until 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 2022-08-18 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: TX

Complaint narrative:
FCRA violations : accounts not mine XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$11000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$370.00} Status Account charged off. {$37.00} FCRA violations : inquires not mine XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on  XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation