vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The phone I was using with the bank died. I went into a Bank of America office on XX/XX/24 and had them change the *REQUIRED* ( required by Bank of America ) contact number to my new phone. The person at Bank of America did that. Nonetheless when I tried to access my account this morning Bank of America still sent the *REQUIRED* confirmation text to the old, dead phone!! Thus they have intentionally locked me out of access to my 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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Monday XX/XX/2024 approximately at XXXX, I walked into my local Bank of America Branch to deposit cash. I waited in line to speak with a representative to make the depo But there was only XXXX person serving us. Due to a lack of staff and time that I had I asked a rep if I can make a large deposit in the ATM located inside of the Bank, he said yes and it should be faster then waiting in line. The ATM was being used by by XXXX person so i waited till he was done. After he was done And then I proceeded to the ATM and put my card in entered my pin, and pushed the deposit cash option. I deposited a total of {$3700.00} as soon as I deposited the last couple of bills, the ATM went to a Black Screen Returned my debit card and rebooted. I didnt receive a receipt nor the funds available in my checking account. I immediately asked the Bank representative what happened and I explained the above. They sat me down and asked me to call the Customer Service line by phone and was asked to file a claim. The claim was filed and they told to just wait until they have processed the claim.

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 2024-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am writing to file a formal complaint against Comenity Bank due to a series of distressing incidents related to my XXXX XXXX account. My experience with Comenity Bank has been frustrating and has raised significant concerns about the handling of customer accounts. 

On XX/XX/2024, I received a notification from Comenity Bank, claiming potential security concerns and irregular card transactions associated with my XXXX XXXX account. I must emphasize that I do not hold a credit card with Comenity ; my interaction with the bank is solely through the XXXX XXXX account. 

The timing of this security concern notification, coming immediately after a dispute with one of Comenity Bank 's customer care representatives, raises serious questions about the integrity of their operations. 

Furthermore, my request for a confirmation letter, indicating that I have only one account with Comenity Bank, has been unfulfilled since XX/XX/2024. This letter is crucial for the closing of my house, and the delay caused by Comenity Bank 's inaction puts my homeownership at significant risk. 

The response from XXXX XXXX on XX/XX/2024, indicated a 30-day investigation period for the security concern and will not send me the letter until the investigation is completed, which is unacceptable, especially considering its direct impact on my mortgage closing. 

I am seeking your assistance in addressing the following issues : Urgent issuance of the requested confirmation letter, essential for the timely closing of my house. 

Transparent communication of the findings related to the security concern with my XXXX XXXX account. 

Resolution of the reporting discrepancy to XXXX, which falsely indicates that I have two Comenity accounts. 

The lack of prompt action from Comenity Bank not only jeopardizes my homeownership but also places an undue burden on my financial well-being. I kindly request your intervention in ensuring a swift and fair resolution to these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
In XXXX XXXX XXXX we received the escrow year projection for our mortgage. For some reason the PMI had jumped from XXXX to XXXX per month for no reason. We connected the mortgage company to have the PMI removed off the account. A written request was then sent in. The mortgage company then said we would have to wait til the balance was below 78 % of the value which the home was already at or we can pay XXXX for a property value evaluation. So, we paid the XXXX , Never got the evaluation from the company that did it. They said we had to get it from the mortgage company. On XX/XX/XXXX we finally got a letter saying the pmi would be removed on the XXXX day of the next month. Which should have been XX/XX/XXXX. But we where still charge ever month after that and the new escrow statement shows it for all of XXXX. I have enclosed the statement and the escrow statement as well. 
The house was bought on XX/XX/XXXX for XXXX and the loan was for XXXX So at 78 % would have been at XXXX in XX/XX/XXXX the balance was XXXX They PMI should have been dropped then, but since the time of the load reaching 78 % will have still been charged the PMI.

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 2024-01-31 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am asking this company to provide proof they were not loaning out other peoples money and I am also requesting proof that they provided equal consideration in this contract. I am well aware that this consumer transaction was funded by my signature and my social security number which represents my unlimited source of credit that cant be denied. I am also requesting this company recognizes my right of subrogation in this matter and that they understand my rights to equity as I am the beneficial title holder of XXXX XXXX, which is its own corporation. The car is already paid when I signed the agreement. Recognizing my rights to equity in this matter should lead to a discharge of the debt, they continue to not address this part of my complaint and it is extremely frustrating. I know that federal reserve notes is a negotiable instrument, a promise to pay and 1099a or c is another negotiable instrument that is equivalent to federal reserve notes ( cash ) I ask to speak to someone in legal department who has a better understanding but they continue to send me to XXXX who says she doesnt have any understanding, nor does she work in the legal department. I am requesting to speak with an underwriter and to see the factors of why they can not discharge this debt. Bridgecrest did not provide me with any money in this contract because since XXXX and the federal reserve banking act there has been no money and we can not pay debt but only discharge it. This is my 3rd complaint because they continue to not address the issue. I will take my complaint to XXXX and the FDIC if this venue is not enough to settle these charges. XXXX XXXX is a corporation and I, XXXX XXXX XXXX XXXX, am surety, I need them to recognize my right to Life liberty and the pursuit of happiness as the reason I want my debt discharged. I am going to FDIC, the Federal Deposit Insurance Corporation if this venue can not help settle the charges.

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 2024-01-31 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: MO

Complaint narrative:
I have consistently disputed the inaccuracies in the provided information with Experian, and XXXX ; regrettably, the matter remains unresolved to date. 

Experian : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX : The status is incorrect for the following account : XXXX  XXXX Bankruptcy Case Number : XXXX Please remove this inaccurate information 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 2024-01-31 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: NC

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Avid Acceptance, LLC
State: IL

Complaint narrative:
Needed assistance with obtaining another vehicle because the vehicle I leased through the finance company will no longer be in my possession because I was rear-ended from someone that did not have any insurance and my insurance company first gave me an estimate to fix the vehicle you did not want to pay so they contact my finance company to pay them XXXX which the vehicle is at {$16000.00} which I had the vehicle since 2021 of XXXX and when I first got the vehicle it was at maybe XXXX so nothing went down under vehicle in a vehicle is at still XXXX not only did the finance company settle for the settlement from the insurance company they were not willing to help me with obtaining a new vehicle through them when I was not the cause of the accident

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 2024-01-31 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: OH

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding inaccurate information reporting by credit bureaus. Despite diligent efforts on my part to rectify discrepancies, the inaccuracies persist, impacting my financial standing and consumer rights. I have diligently contested the inaccuracies present within the information provided to Equifax, XXXX, and XXXX. Despite my persistent efforts to rectify these discrepancies, I regret to inform you that the issue remains unresolved up to the current date. 

Equifax : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report XXXX : 1. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information BankruptcyXXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NY

Complaint narrative:
Please see attached file.

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 2024-01-31 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: CA

Complaint narrative:
I did not apply for this account and have never been asked to be authorized on this account. I've asked credit agencies to provide documents proving so, and nothing has been determined.

I demand for these accounts to be deleted 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Lies lies lies is all this predatory company does closed this account with another lie but it's coming to a head AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: Regional Management Corporation
State: SC

Complaint narrative:
On or before XXXX a personal loan was obtain in my name using my personal information. I have requested this account be remove because identity theft. 
Regional Finance has continue to report inaccurate information to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than XXXX  days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian now closing complaints XXXX at time with no resolution but LIES LIES LIES LIES LIES

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 2024-01-31 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: NJ

Complaint narrative:
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of this account listed IMMEDIATELY! 
XXXX XXXX {$33000.00}

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed XXXX complaints all at once and are dumping on to the system LIES LIES LIES LIES LIES LIES LIES LIES AS REQUESTED FORWARDED TO F.T.C AND D.O.J

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 2024-01-31 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agree on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-01-31 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: TX

Complaint narrative:
i will never but never do business with XXXX XXXX 
this company is a living XXXX. 
i disputed muti times with all credit agency they go back and state i have a balance i already paid this account last month. so the company states there is a balance i will include the XXXX sheet. Please follow up with all XXXX-credit reporting agency. 
Please update or remove the account for corrupt.

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