vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A debit is withdrawn from my Bank of America XXXX XXXX  Checking every three months ( quarterly ) of {$81.00} payment made to life insurance policy that also recognizes me presently as an attending college student. I believe the XXXX and / or XXXX XXXX XXXX XXXX XXXX and Bank of America has been uninformed or unaware of my presence in attending this new college campus, as a welcomed XXXX XXXX to XXXX XXXX and tuition cost I presently am undertaking as owed and am unable to afford and pay with regards to their XXXX XXXX Financial Aid Office of {$5600.00}, as of XX/XX/2022. My complaint is in reference to allowing and letting Bank of America, as my financial bank institution know that as a consumer of a PLUS Account I have been admitted as a XXXX XXXX to XXXX XXXX at XXXX and any assistance they might be in assisting me pay back a student loan to the XXXX XXXX Financial Aid Office, 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 2022-03-09 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: MI

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-09 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: WI

Complaint narrative:
Under 15 U.S CODE 1681E ( B ) AND 15 USC 1681i ( 5 ) THE ACCOUNT REFERENCE NUMBER XXXX WISCONSIN CHILD SUPPORT HAS VIOLATED MY RIGHTS. THIS IS NOT REPORTING 100 % ACCURATE IT LIST THE CHILD SUPPORT COURT AS THE FURNISHER THATS FORGERY AND MISLEADING WHEN THE COURTS DONT REPORT THIS TYPE OF ACCOUNT PLEASE REMOVE THIS ACCOUNT.

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 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
I consolidated my loans due to the PSLF waiver and I repeatedly got told that if I consolidate, my loans would restart. I had over 100 and this information caused me to wait to consolidate, waste tons of time researching and call waiting on hold or messaging with no responses. I am in a limbo now with my loans and it is still showing 0 counts toward PSLF. Fed Loan is not changing any verbiage and this is freaking many out and making many more not consolidate in order to benefit from the waiver. I am also showing payments that were made and are showing that I was in forbearance but payments were made at that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Good day I made a purchase for several item which was never received when the company ( macy ) state that they ship my item in XXXX of 2021 the item was never delivered I called the company and they only replace the earrings but tge necklist was never replaced I keep calling macy resolve the problem and the send me an email in XXXX saying that they are on able to resolve my issue and I have to pay for the backlist I call again in XXXX XXXX and a new dispute was open and as of now they can not resolve the issue but they can report none payment to the credit department which is affecting my credit score and they are charging interested rate every month to the item total I pay the interest rate up to XXXX of last year then I just call and close my account last year because I got frustrated and Im getting XXXX  because I dont know how to resolve this

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 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
FedLoan sent me a letter stating that they have evaluated *all* of my employment history for the federal student loan forgiveness program. This is not possible, as I sent in 12 years worth of history / forms, and they have only looked at and counted five years worth of my forms. This type of communication is inaccurate, and causes anxiety. They are impossible ( IMPOSSIBLE ) to get a clear answer out of. When I try to call, I am often on hold for 4+ hours, and sometimes am hung up on by the customer service rep who answers. I expect more expedient and complete counts of my qualifying payments toward my student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: IL

Complaint narrative:
I took out this loan a year and a half ago, I understand that payday loans have got high interest rates, but this rate is almost at 100 % interest. I have been making payments since XX/XX/2020 and still have almost 2 years left of payments left to go. I have paid off very little applied. On a {$2700.00} loan, only approximately {$350.00} has been applied to principal {$2900.00} has been applied interest. 
Although I understand that these loans are higher rates, I feel that this takes advantage of people in desparate financial situationswho feel they dont have any other options. I would like to see what can be done to get this loan closed out as soon as possible, since I have already paid a few thousand to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX a check was cashed into savings with the amount of {$3900.00} XXXX zelle transfers was made multiple transactions

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 2022-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: OR

Complaint narrative:
It is widely known that XXXX XXXX became XXXX XXXX and as a failing business model ( numerous complaints ). In the past I was contacted annually to renew my yellow page advertising. In anticipation of closing my business in 2019, I canceled my advertising. 

In addition, XXXX XXXX and XXXX XXXX failed to live up to their contract terms of providing XXXX yellow page books to XXXX XXXX. I contacted them that I had not received my annual copy of the phone directory and yellow pages. 

The amount owed is incorrect and fraud for two reasons. I terminated the agreement, never agreed to continue the 'advertising, and the company did not provide the service they promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA has a fee problem. They inundate clients with fees and provide no help with getting them waived. I am moving my baking to a company that doesnt charge fees. I have gotten 15 nsf fees since 2022 started. That is XXXX dollars. That is so excessive for someone who is working hard and trying to make ends meet. I know I cant be the only person to be negatively impacted this way. With banks like XXXX no longer charging those kinds of fees USAA is charging fees on a criminal level. I am severely disappointed at this and at the lack of service when trying to get some help. I was instead told I needed to dispute charges with companies I do business with in order to get the fees looked at. I have multiple products and pay quite a bit of money in premiums to this company over 8 years. To get such a lack of accommodation is truly terrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 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: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/2022 I received a qualifying payment letter from FedLoan that says they have evaluated my payments under the Waiver when they clearly have not. This is happening to thousands of borrowers and it is causing huge stress and trauma. This is just another example of abuse that student loan borrowers have been under with this loan servicer. After years of being lied to by XXXX and Fedloan about the PSLF program this is just icing on the cake of XXXX. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I was told over and over by my mortgage company that my payments would be the same after my Covid relief and that everything that was missed would be put onto the back of the loan. Now my payments are becoming due and my house payment went up {$300.00}. This was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
On Thursday XX/XX/XXXX I paid my balance of over {$8500.00} completely off using a balance transfer deal with a credit union-the credit union sent a cashiers check issued by them via mail to usaa credit card payment XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX phone : ( XXXX ) XXXX. It took over a week for them to post the payment, ( on or around XXXX XXXX ) and they're still showing my available balance deducting the {$8500.00} even though they have had the check two weeks! These jerks are playing around with my available credit with them even though this had been paid off!! I called their customer service today and was given some limp excuse as to they hold this for some lame reason!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
I have contacted US bank several times now regarding me getting sick and being hospitalized, which makes me unable to work and get money into my accounts. I need to catch up with my bills, and it's impossible to clear the balance. I have gotten numerous overdrafts and or returned check fees and am looking for some assistance with the charges, please. I have XXXX children and I'm trying to make ends meet until I'm back at work. Customer service has not helped.

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 2022-03-09 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: MI

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX I XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-09 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: PA

Complaint narrative:
In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with XXXX XXXX every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/2022, I opened a new checking account with Citibank in response to a promotion being offered by the bank. The promotion promised a {$700.00} bonus for new customers who opened a checking account and deposited at least {$50000.00} into the account within 20 days. Additionally, customers are required to keep the money in the account for 60 days. 

When I opened the account over the phone, the Citibank representative took the account and routing numbers for a checking account I hold with another bank, and indicated that a withdrawal from that account in the amount of {$51000.00} would be made in time for me to qualify for the promotion. I had decided to deposit slightly higher than the required amount. 

Perhaps a week later, I noticed that the withdrawal had not been made. I called the new accounts department, where I was told the withdrawal was being processed and would be complete shortly. About a week passed, and the withdrawal had still not been made. I called new accounts again and was told the same storywait a few days and the withdrawal will be complete. 

On the morning of XX/XX/2022, when my account still showed a balance of {$0.00}, I called Citibank relations, and spoke with XXXX, a supervisor in that office. She told me the reason the {$51000.00} had not been withdrawn and deposited into my new Citibank account was that Citibank had not finished setting up the account. Further, XXXX indicated that the promotion might no longer be honored because the account was not funded within 20 days. This is the case, even though it was Citibank 's job to execute the withdrawal. 

I have closed my account with Citibank, but I still thought the bureau should know about my experience, and I appreciate the agency reaching out to the bank to investigate. I believe Citibanks actions raise questions of fraud and whether the bank is engaging in unfair and deceptive trade practices.

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 2022-03-09 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: PA

Complaint narrative:
In XX/XX/XXXX I started to fix my credit. I noticed sometime in XX/XX/XXXX a derogatory remark was added to my credit report ; when I investigated who they are, it turns out it was for a account that was already paid 3 months prior to it being reported. I began the dispute process and to this day they have refused to remove it off my credit report. 

I began disputing this account with TransUnion LLC every month since XX/XX/XXXX but I have not received verification of any kind or acknowledgement of receipt of any dispute letters I have sent to them. They have completely ignored all of my requests. 

The originator is XXXX XXXX who services credit for XXXX XXXX. The account then was sold to XXXX and I made XXXX payments from XX/XX/XXXX until XX/XX/XXXX in the amount of {$77.00} with the last payment of {$77.00}, totaling {$930.00}.

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 non-monetary relief
Consumer complaint received 2022-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint myself. 

After reviewing my consumer report, I noticed many inaccuracies in personal identifiable information. No permissible purpose was given directly to ANY consumer reporting agency on ANY occasion to report ANY information about me as it relates to ANY names, numbers, addresses, etc listed on my consumer reports and file. 

Please be advised that without permissible purpose, the consumer agencies have committed a violation against my consumer rights and this type of behavior is very inappropriate.

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