vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: NY

Complaint narrative:
Experian / XXXX did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.

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 2023-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My complaint is against Bank of America ( BOA ), I have a Home Equity Line of Credit with Bank of America. In XX/XX/XXXX, at the end of the forbearance period, I was informed by them that I needed to apply for a modification to exit the forbearance period. I was not informed of any other option. This was confirmed by BOA representative, XXXX, on XX/XX/XXXX. 
When I verbally requested the deferral option a BOA representative told me that I did not qualify for the deferral option. BOA has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a HUD-certified housing counseling agency , and they assisted me in drafting a letter to BOA in which I pointed out that I had the right to choose the exit option to the forbearance period, see attached. I have never received a response from BOA to this letter, and in a verbal follow-up a BOA representative informed me that BOA only responds to correspondence from a lawyer.

I have subsequently been notified by BOA that I did not qualify for a modification because my credit score was too low. I was not informed of the requisite credit score for qualification. 
Did I not have the right to choose the deferral option for the forbearance exit or how was I supposed to qualify for that option? BOA did not ever tell me the criteria for the deferral option. 
In XX/XX/XXXX, I resumed making payments, I noticed those payments did not appear to be applied to my current balance ; a BOA representative informed me that my payments were being applied to the missed forbearance payments. 
I am filing this complaint as I believe BOA deliberately misinformed me of the possibilities for the forbearance exit and steered me towards a modification I could not qualify for.

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 2023-03-06 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, account # starting with 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 instructions.

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 2023-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Back in XXXX ally bank offered a 1 percent cash promo if u deposited new founds and left them in the bank until XX/XX/2023. The bank did not say previous withdrawals would effect the cash promo as long as u deposited by XX/XX/XXXX and left funds in Ally till XX/XX/2023. Im opened a cd for XXXX XX/XX/2023 and left the money in the bank way past XX/XX/2023 therefore meeting the requirements. This should have entitled me to XXXX cash promo However since i moved money from ally before I opened the cd Im not not elegible. I should have been told that before i opened the XXXX k cd but I was told different as long as I deposited from another bank I would be eligible for the bonus. Ally bank is running a complete scam regarding this cash promo Thanku

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 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX claimed I rented property from them in XXXX in XXXX with an original balance owed of {$17000.00}. I can prove that during Covid I was living in my parents home in XXXX I reached out to them to have this debt removed from my credit record in XXXX. They didn't even have any of my personal information like phone number or address. 
They then sold this debt to other collection agencies of which I have also requested they remove the debt as it is not my debt. They have all refused resulting in the current total due of {$18000.00}. I have since filled a police report regarding this fraud and have hired an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
My business checking account was closed and I received a refund check but the check did not clear with the bank and I was charged a penalty of {$15.00}. I've contacted kabbage Inc at least 4 times concerning this issue. Everytime I was told that the check was being reprocessed and that it would be sent to me by mail in 10-15 days. However, I never received another check even after several contacts with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Hello, Ive been trying to set up biweekly payments with Newrez LLC XXXX # XXXX. First I was told to mail in the document which I did in XXXX they clam they never received it and keep saying that they are having issues getting their mail. Then I submitted it online and they say they have not received it. I am worried because all of my loan informations was in the mailed in document including a voided check. Ive had to pay for increased security measures on my accounts and bank. 

Every customer service person I deal with gives me a different answer and refuse to help.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: OCEANFIRST FINANCIAL CORP.
State: NY

Complaint narrative:
I opened an XXXX bank account on XX/XX/2022. They advertised that I could get {$230.00} with the following steps : 1. Open a new XXXX Checking account using the promo code XXXX. 
2. Opt into eStatements and download the OceanFirst Bank mobile app. 
3. In at least XXXX monthly cycles, receive {$500.00} in direct deposits. 
4. Bonus will be credited to your new account on the first business day after your 90-day account opening anniversary https : XXXX : XXXX I finished all steps, but I didn't receive the bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06 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: HI

Complaint narrative:
I sent a Letter to Experian Dispute Center on XX/XX/2022, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. 

These are clear violations of my federally protected rights.

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 2023-03-06 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: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I did not initiate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I did not initiate the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : 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 : I also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-03-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Card # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : XXXX Bank # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX Account : 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 : I also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: PA

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 15 USC 1681. 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06 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: PA

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 15 USC 1681. 
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 if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Delinquencies have been reported to my credit report and no statement has been sent. I have not received any correspondence with due date or past due notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a XXXX of XXXX XXXX XXXX XXXX XXXX International XXXX. We are a 501C non-profit organization based in Florida. Every year, we hosted a beauty pageant event and in order to be able to compete in our beauty pageant, a contestant must submit and online application and pay a {$500.00} application deposit. 
The full entrance fee is {$2000.00} which cover the contestants foods and hotel cost during the pageant week. On XX/XX/2023 a contestant submitted her application fees in the amount of {$500.00} through XXXX. After subtracting XXXX service fees, the total amount available to us is {$470.00}. When I logged into my XXXX  account, I submitted all my formation document, my bank account statement and my ID as requested by XXXX  in order for them to verify our organization.

Today I received an email from XXXX stating that they are closing my account and the funds in my account will be on hold for 90 days. I dont understand why they closed my account. I never have any charge back or conducting any illegal money laundering activities on my account. I am a legal XXXX XXXX and I paid all my taxes annually. Our organization is a 501C non-profit organization. I need to know the specific reason why my money is on hold for 90 days and the specific reason why my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
The complaint is NOT about collecting the wrong amount. The complaint is regarding a XX/XX/2022 telephone call I had with XXXX XXXX, Debt Collector with NCB Management whom I entered into a payment arrangement for an unsecured debt that I do admittedly owe to his office. XXXX assured me he would place an indicator in his system of record blocking the account from being placed on my credit report. However, the following month I received notification the tradeline was being newly reported as a collection item.

Company response to consumer: Closed with explanation