vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We paid in advance for a large purchase ( > {$20000.00} ) on XX/XX/2021 that had been charged to our Bank of America ( BofA ) credit card. We wanted to be sure that it was paid on time without any late fees, interest etc. BofA then made an automatic payment of another > {$20000.00} on the due date of XX/XX/XXXX. This caused our checking account to be over drawn by about {$16000.00} and required us to move funds from an interest bearing account so we wouldn't have continuing overdraft charges. When we called Bank of America on XX/XX/XXXX we were informed that we should have stopped the automatic payment because BoA withdraws whatever the due amount was on the statement regardless of any manual payments. [ This is an unethical practice that could be easily fixed by changing the computer code that does the payment processing. ] Anyway we requested that the overpayment be refunded. We were told that it would be done but that it would take 2-5 business days. We called BofA again on XX/XX/XXXX since the 5 business days certainly had passed and were reassured that the refund was being processed. We were told we should receive the money in a day or two. On the XXXX of of XXXX we went to a local BofA office to talk to a person face-to-face. She called someone who was supposed to call us back the same day to confirm it but never did. We then called the BofA XXXX number again. The person we talked to there asked for our bank account information and sounded as if she was going to initiate a refund immediately. She then told us that a complaint was being processed so she couldn't put in another action. I then requested to speak to a supervisor ( XXXX ) who GUARANTEED me that the money would be in our account on XX/XX/XXXX which she claimed was the 10th business day since we had requested the refund. A check of the records on XX/XX/XXXX showed no change on the Bank of America account and no refund in our checking account. We went back to the local office on XX/XX/XXXX. The associate we had spoken to on the XXXX again called the XXXX number. She was told that the refund had just been approved on XX/XX/XXXX and the refund should take 24 -48 hours. We took that to mean the money would be deposited in our account sometime over the weekend. Today XX/XX/XXXX, the 1st business day after XXXX, we still have no refund and were told by the local BofA manager that it could take 2-3 more business days to send the refund. 
How long can a bank legally withhold overpayment funds? Is this a scheme to keep our money as long as possible to use it for investments? Our patience has obviously worn thin. Even IF and when we get our $ 20,000+ back, our recommendation to friends and family will be to AVOID Bank of America 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 2021-12-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021 I received a text from what was supposed to be Wells Fargo stating " WELLS FARGO BANK has an urgent message for you to receive a call about unauthorized transactions please reply Yes. '' I then went to my online banking and logged in to see that there was in fact a XXXX cent transaction on my account from a different state ( OK ) .... ( I live in TX ). After seeing that I actually had a fraudulent charge on my account I replied YES to the text. I then received a call from someone claiming to be XXXX XXXX with Wells Fargo and gave me a badge # XXXX. She told me that there had been ( XXXX ) seperate fraud attempts via zelle to my savings account ( XXXX for {$1000.00} and XXXX for {$2500.00} ) and she was going to walk me through how to reverse the charges. She knew every step on the Wells Fargo site. She did not ask me for any personal information but instead had me log into my account and then she walked me through steps to supposedly reverse the charges. Towards the end of the call I started to realize by something she said, that something didnt seem right about the call. I then left work and went across the street immediately to the Wells Fargo branch at XXXX XXXX XXXX XXXX TX XXXX and set down with a banker named XXXX XXXX ( XXXX XXXX ) Her phone number is XXXX and her email is XXXX. I told her what happened and she immediately closed my savings account and reopened me another one. We sat at her desk and were on hold for almost 45 mins to file a claim. I was given claim # XXXX and was told I would hear something back regarding the claim within 10 days. On XX/XX/2021 I called XXXX and was on hold for almost 2 hours. I was transferred XXXX different times to 5 different people to finally get told that my claim for {$3500.00} had been denied and there was nothing more they could do for me. I have been a customer of Wells Fargo for over 30 years and they did nothing at all to help me recover the fraudulent {$3500.00}.

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 2021-12-27 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: NJ

Complaint narrative:
I am a business owner who has been operating a multi-million company for XXXX XXXX plus years. I take great care in protecting my credit rating and personal finances. 

The three credit reporting agencies ; XXXX XXXX XXXX XXXX, Experian XXXXnformation Services and XXXX XXXX Relations unfairly harm my credit rating with their credit check scoring and credit points reductions. I get scored and held to the standards of a typical individual consumer. 

As a business owner I have regular and now during XXXX entities pulling my credit. Some are authorized to do so and others are not. Here are examples of who have pulled my credit... 
A. My business banks for Lines of Credit and Term Loans B. The Federal Small Business Administration for PPP Loans and EIDL Grants. 
XXXX The NJ XXXX XXXX XXXX XXXX XXXX that I buy products from for resale in my business. 
E. Various mortgage companies over the last year when I was making offers on a new home as prices were escalating and rates were falling. 
XXXX XXXX mortgage broker called " Guaranteed Rate '' that was asked about a construction loan and a conversion to a regular mortgage that did a hard credit pull and then told me that they don't do those types of loans. 
An finally XXXX XXXX XXXX Credit Card who out of the blue did an unauthorized hard credit pull. 
My score is over XXXX. However, if this category of credit score contribution can not be used in a fair and equitable manor, it should be eliminated.

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 2021-12-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
This mortgage servicer XXXX mortgage has AGAIN threatened me with foreclosure. This is my XXXX complaint to your bureau. They have again re-added my late husband 's name to the correspondence ( he died 9 years ago ) causing me additional stress. After numerous correspondence, faxes, telephone calls and complaints there seems to be no way of getting them to stop harassing me short of my suing them for damages for my time, effort and costs of responding over and over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
I have a mortgage with Caliber Home Loans - XXXX moved in XXXX of this year and provided the bank my new address. They changed my escrow payment in XXXX and my payment adjusted due to that. I have my payment on auto pay and when they rec 'd the XX/XX/XXXX payment it was short by XXXX ; the bank stated they sent me a late notice but they sent it to my old address and I never rec 'd. I called in on XX/XX/XXXX and spoke to many of their service reps that will not adjust the negative credit reporting. They never called me or sent me a late notice alerting me that my credit would be impacted due to a late payment. I am sure many people have their escrow adjusted and have issues with their first payment. I have never been late on this mortgage or any mortgages in my entire life. I asked them to make and adjustment and they will not. They did not provide me any written notice before impacting my credit. I happened to be checking my credit report this last weekend and notice the negative 30 day late- they would have done the same in XXXX had I not called them. They never attempted to call or send me any letters. I made the additional payment due today to make the loan fully current and changed my auto pay to ensure XXXX is correct. They are violating FCDPA and UDAP by not providing me any notice that my loan was delinquent and impacting my near perfect XXXX XXXX - I had a XXXX score before and now I am a XXXX. This is not acceptable for their error and needs to be fixed! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2021-12-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on 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 2021-12-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to XXXX, Equifax, and XXXX on XX/XX/2021, in regards to the inaccurate items on my credit report. It has been over 60 days and I have not received a response. According to Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove and delete those items from my credit report. As of today it has been over 60 days ; these inaccurate items should be deleted immediately. Please delete these accounts immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have reached the presence and access of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a XXXX, Bath & XXXX credit card to begin repairing my credit after a disastrous divorce that ruined my credit. Since I travel extensively, I have a PMB where my paper mail is delivered. When I opened the XXXX & XXXX account, I chose the " paperless invoice '' so that I could pay the bill electronically. I only have my mail forwarded once a month so unless the invoices I receive are paperless, I may receive the invoice late. ALL MY BILLS ARE PAPERLESS AND I HAVE NEVER HAD AN ISSUE WITH RECEIVING AN ELECTRONIC STATEMENT. The first month ( XX/XX/XXXX ), I didn't receive an electronic notice, but I DID receive a paper bill to my PMB. It was in time so I paid the payment online. I called the credit card company ( Comenity ) and spoke to a nice representative who assured me I WAS enrolled in paperless billing and was not sure why I had received a paper bill and not an electronic one. She had me check all spam folders, verify the email it was to be sent to, etc., but there was no issues. She believed, since the account was new, it had just not been sent electronic due to the new start date. She assured me it would be sent electronically the next month. In XXXX and XXXX the exact same thing happened. I received a paper bill and no electronic bill. I contacted XXXX customer service. Assurances I WAS enrolled in paperless, no idea why I was getting paper bills. ( I have XXXX paper bills to prove this ) In XXXX, I found out they had reported me late because I had called them late to find out why I was STILL not getting an electronic bill. I spoke to a supervisor and shut down the account immediately to avoid any additional late reports to the credit bureaus. I want this late notice removed!!! 
( Details : https : XXXX, Account under XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Expires XX/XX/XXXX XXXX XXXX, Password XXXX ) XX/XX/XXXX : Address updated XXXX XXXX PMB so no delays in mail, email updated to XXXX - thinking they were having an issue with XXXX XX/XX/XXXX : Called Comenity when no paperless invoice came. Paid the rep so wouldn't be late XX/XX/XXXX : Called Comenity when no paperless invoice came. 
XX/XX/XXXX : Paid off since could not get an electronic invoice and they had reported me late. Spoke to XXXX - Account supervisor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX, I sold a XXXX XXXX XXXX Unlimited that was financed through Santander Consumer USA. A bill of sale and a Cashier 's Check for payoff was Priority Mailed to the Corporate office. Santander Consumer received the payoff on XX/XX/XXXX. They didn't release the title until XX/XX/XXXX. The people that bought the XXXX are asking for the title. I called on XX/XX/XXXX to request a duplicate title, the manager said that the title was mailed out on XX/XX/XXXX and that i would have to wait. I requested the title be delivered by today. They refused. I don't feel that they should wait a week before releasing the title and I want it rectified ASAP. I will never recommend or use Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27 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: OPORTUN FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, Back in XXXX, I lost my oportun credit card and multiple unauthorized charges were made on it. Oportun contacted me via email and Text to confirm if I was authorizing the unusual transactions and I responded that I was not authorizing those charges and reported my card missing not in my possession. Oportun informed me that although certain transactions were blocked, unfortunately multiple unauthorized charges went through which we filed a dispute on. I have been waiting to receive my replacement card in the mail for over a month and was informed by oportun that once I receive the card and activate it, those fraudulent charges posted on my account would be removed. That was not the case because after activating the current card ending in XXXX, the charges were still reflected on my account. I have tried to reach the agent XXXX from the investigation department that sent me a letter with her phone number who is in charge of handling this dispute over ten times and left her multiple voicemails in the month of XXXX but I have not received any response. After comparing about XXXX unresponsiveness, another agent was assigned to the claim beginning of XXXX but that agent has not yet contacted me as of today XX/XX/2021. I just called Oportun to inquire what the status is and was informed there has been no updates and supervisors were not available to speak to me. 

The current balance reflected on my account are all from those fraudulent charges and the due date has passed which accumulated late fees and interest. I have received multiple emails from Oportun reminding me that Im late on the payment which I am not liable for to begin with. I want these fraudulent charges & fees removed from my account immediately. This has been a very frustrating and really inconvenient process. Oportun decided to increase my credit limit in XXXX but has still not resolved this issue from XXXX which doesnt make sense at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-27 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: LA

Complaint narrative:
I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!

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 2021-12-27 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: LA

Complaint narrative:
I review my credit report every month and noticed tat my credit score had decreased by XXXX points due to a " late payment '' on a CLOSED ACCOUNT that was paid off on XX/XX/2017. The company, XXXX XXXX XXXX XXXX has been permanently closed and being sued for fraud from thousands of consumers. My credit report shows a 30 day delinquent payment a XXXX balance due to XXXX XXXX so why was this reporting even allowed to be put on my credit report when it clearly stated that there was a XXXX balance on this CLOSED ACCOUNT? I want this fraudulent reporting off of my credit report immediately and my score to be returned to it's original score!!!!

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 2021-12-27 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: TX

Complaint narrative:
Equifax shows my XXXX XXXX credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with Equifax XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When XXXX XXXX is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my XXXX XXXX credit care as active.

Company response to consumer: Closed with explanation