vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to express my disappointment and frustration regarding a discrepancy in the promotional bonus that I received upon opening a Business Advantage Fundamentals checking account with Bank of America. I recently opened this account with the intention of taking advantage of the promotional offer associated with promo code PSDCIS, which promised a {$1000.00} bonus upon fulfilling the required criteria. However, upon reviewing my account, I was dismayed to find that I only received {$200.00} instead of the promised amount. 

As a conscientious customer, I diligently met all the specified requirements for the promotional offer, ensuring that I fulfilled every condition outlined in the terms and conditions. Despite my adherence to the terms of the promotion, the discrepancy in the bonus amount is both disheartening and concerning. The shortfall of {$800.00} not only reflects poorly on the bank 's commitment to honoring its promotional offers but also undermines the trust and confidence that I had placed in Bank of America as a reputable financial institution. 

I am requesting an immediate investigation into this matter and a thorough review of my account activity to rectify this discrepancy. It is imperative that I receive the full promotional bonus amount of {$1000.00}, as initially promised. I have attached relevant documentation, including proof of account opening and fulfillment of promotional requirements, for your reference and review. 

Furthermore, I would appreciate prompt communication regarding the status of this inquiry and a resolution to be reached within a reasonable timeframe. As a loyal customer, I expect nothing less than transparency, accountability, and adherence to the terms of the promotional offer. 

In conclusion, I demand the reimbursement of the additional {$800.00} bonus owed to me without further delay. Failure to address this matter satisfactorily will compel me to escalate my concerns through relevant consumer advocacy channels and regulatory authorities. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of trust in Bank of America 's commitment to customer satisfaction.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Sent a letter detailing the disputes. The agency sent an email stating I didn't sent it.

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 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
MOHELA is charging 0.25 % higher interest than they should be. They also messed up my minimum payments, so now it says I am delinquent even though I have made every payment on time. They have not sent me any monthly billing statements. They will not investigate the problem. They recently raised my payments without cause. Payments were not set to go up until 2025. They are not applying the minimum payment or additional payment amount to outstanding interest, but instead are letting the interest accumulate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX, Account name XXXX XXXX XXXX XXXX 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: CO

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. 

Account name : XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX 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 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.

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 2024-04-19 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX  a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX  {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX. acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX {$27000.00} reporting late illegal information on credit report. XXXX. acct # XXXX XXXXXXXX XXXX a balance that was paid by myself on XX/XX/2023 in the amount of {$110.00} and it showed up on my credit report. XXXX. acct # XXXX XXXX amount {$940.00} reporting information illegally. XXXX acct # XXXX {$500.00} never applied for a card or ever had an account with this company XXXX acct # XXXX XXXX XXXX {$300.00} never had an account with this illegal reporting. XXXXXXXX XXXX  acct # XXXX wont give any information on the account. XXXX acct # XXXXXXXX XXXX {$390.00} illegal reported. XXXX. XXXXXXXX XXXX XXXX acct # XXXX illegal reporting. XXXX XXXX XXXX acct # XXXX never had a credit card with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I just received a copy of my credit report and noticed the following errors. 
XXXX ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I just received a copy of my credit report and noticed the following errors. 
XXXX ) XXXX, XXXX, and XXXX Acct # XXXX Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. This looks like someones medical collection as well, which is a HIPAA violation, according to 42 US Code 1320-d note, section 264 of the HIPAA ACT OF 1996. Please DELETE this collection as soon as possible.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian took it upon themselves to furnish my birthdate and telephone numbers that not correct, and my employer name their furnishing without my permission. I never gave them a written letter stating to provide those personal information on my credit report, furnishing my employer thats a violation of my safety.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting act this creditor has my rights under ( 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit ny purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with XXXX and Transunion. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried to resolve a MAJOR issue with XXXX  XXXX yet they refuse to help with the issue main issue is that I went from an XXXX credit score while I was in the middle of getting an SBA loan to save my business, they closed both my Credit cards out of nowhere while they were both paid on TIME every single month and many times paid in full right away as I was serious about building good credit, they continue to report wrong balance and wrong payment history on my credit reports with Experian and XXXX. I need the to remove all negative payment history from my credit report and update the balance. OR REMOVE ASAP FROM BOTH credit bureaus

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 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Legal tender of payment was sent in XX/XX/XXXX. No notice or any communication in writing from Ally on intent. No obtion given to opt out. Did not return legal tender of payment with copy of receipt to file taxes accordingly. Failure to do fiduciary duties and file with FederalReserve on our behalf. No communication until XX/XX/XXXX when a recovery team came to our private home. No notice given. Trespassed, theft of Vechicle took place including breach of peace. Third party showed no proof of claim or any legal documentation. They have been charged with police for theft filed. Attorney General on record as well a a collateral lien with the UCC on Vechicle. Items were given to a party not on title. Police officer witnessed to refusing to return items and show documentation while owner present.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from 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 explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 then records of convictions of crimes which antedates the report by more then 7 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. These are Fraudulent accounts and need to be removed from 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 2024-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I opened a IRA with Chase bank back in XXXX {$80000.00} retirement money was put in it. Have proof it was sent from my old job to IRA.. Received summary pages when asked about what happened to the money.. They closed acct XX/XX/XXXX because the last {$3000.00} was with drawn... I never got a XXXX of my savings. They said they can not go back that far to see who took my money from the bank..I never checked on money because it was in bank and I thought it was safe .... When I did go back and request money and info they said acct was closed. They only gave me some retirement plan summaries from XXXX, XXXX, XXXX... They said they could not tell me where the money was sent. I have always had checking with them and they can see that no payments were given to me. This is 40 years of my working towards retirement ... Never checked on the acct because of raising XXXX children and taking care of a sick husband. 
I am XXXX and XXXX  XXXX. We need this money to survive on..I want my money I worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I received a court summons yesterday, XX/XX/year>. It was from Crown Asset Management , LLC trying to collect on a debt. I called their law office on XX/XX/year> to discuss the debt and I informed them that they shouldve contacted me before filing a lawsuit. I had never heard of them and I dont know who they are. Essentially, I was blindsided. The person I spoke to, who didnt identify himself, said that they sent a letter in the mail, but I never received a letter from this company, nor was I given a proper opportunity to evaluate the validity of the debt. I asked why I wasnt called because I always have my phone and they couldve gotten in touch with me. The person I spoke to said, we dont make phone calls. Again, I expressed that I didnt think it was fair to have a lawsuit filed against me before addressing the matter outside of court and the person cut me off mid-sentence and said, well since youre so upset about the lawsuit, well handle it in court! Then he hung up in my face. I still dont know how valid this debt is, and I dont appreciate being disrespected when I was simply making an inquiry and an honest attempt to solve the issue. Crown Asset Management , LLC did not properly inform me of the debt, have not given me the opportunity to validate the debt, and rushed to file a lawsuit before contacting me about their problem. They have made a public display at humiliating me, as civil suits are public record, and I have never even heard of these people.

Company response to consumer: Closed with explanation