vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was frauded I am a Bank of America customer since XXXX and the one time its needed most BOA is not helping. I got a text on XX/XX/XXXX about a suspicious charge that was going to my account and I had to respond yes or no. As this was not me I responded No and I then went to call the bank. Of course it was a long hold and I opted for a call back and not but 2 minutes later I get a phone call from 1-800 BOA number. I was told the name of the person and they were a BOA representative and someone was trying to use my card at multiple places and I needed to move my money to a separate account. Which I believed and did as instructed and I found out later that this was an ongoing scam that BOA is aware of. I called that day to file claim talked to the most rude person I ever talked to with no sympathy as I am in tears freaking out. Well it was XXXX XXXX weekend so I have to wait till Tuesday to call Bank because of XXXX XXXX holiday and when I call they have the claims and they tell me I have to wait the 10 business days for temporary credit or resolution. Well today XX/XX/XXXX is the 10th business day and I wake up and no credit. I call BOA and they tell me basically sorry you sent the money and we did as instructed and we can not do anything but ask them to give money back. REALLY this is what I get when I am told don't worry we have your back and we will take care of you and that is what we are insured for and now I am without my money and because they decided that its my fault when their number is not secure and is calling their customers and able to fraud us! How is BOA such a huge bank able to be breached and leaving us with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Add not going thru account process complaint not giving account it '' s interest and when double charged after notification no response of correction of address procedure pursue. Cancelation of dispute transaction online service and note response procedure without notification or reason. Address no policy regulations response or question movement reply complaint and is concerned considering purpose of banking. Thsnks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: NV

Complaint narrative:
On the XXXX of XX/XX/2021 my Sister sent me the sum of {$15000.00} to my Discover bank account, she was debited but I wasnt credited, I tried to find out what happened by calling discover customer care line, but they said they were verifying .. fast forward to XX/XX/2021 I still havent received the money and the money wasnt refunded back to my sister Bank name : Discover Bank Account name : XXXX XXXX Account number : XXXX Routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am submitting this complaint because there have been multiple violations against me and I have heard nothing from the credit bureaus and it has been over 45 days. 
I sent out out the letters to all 3 bureaus on XX/XX/21. 
As the original creditor only I can validate any debt and I did not validate any debt, Therefore I demand that all violations in dispute on my report must be deleted due to violation of over 30 days and 15 U.S.C. 1692g. I am trying to purchase a house and this is becoming a heavy burden on my personal family Life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Deposited a check from my account at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX. Used Mobile App to make the deposit. B of A is holding the check for 10 business days causing an undue hardship. The check has cleared my XXXX XXXX XXXX  account but not reflected as deposited into the Bank of America account. Funds are available on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 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: NY

Complaint narrative:
I previously notified Transunion that I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: DISCOVER BANK
State: IA

Complaint narrative:
I get these calls daily from XXXX at Discover saying they've been trying to reach me. If I press one to talk tosomeone and ask not to be called again they hang up on me. This happens daily... sometimes a couple of times a day. They always use my area code and my cell phone prefix. I answer because it could be a doctor or other medical provider. Today the call came from XXXX at XXXXXXXX XXXX. My cell phone number is XXXX. I have called Discover Card and these calls are not coming from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I have been deemed XXXX  and XXXX  XXXX and live on a fixed social security income. All of my other student loans have been forgiven based on this XXXX except PNC, which does not offer forgiveness for this issue. They are requiring an unrealistic repayment plan. I have spoken to the servicer and the bank itself who told me pretty much to bad. This is discrimination against the XXXX, not only me but every other person that may have become XXXX/XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank charged off an account that I had through Ashley Furniture. There were no missed payments and no documentation sent stating there was an issue with my account. 
I recently received a letter from the law offices of XXXX XXXX XXXX XXXX. stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX. A debt that was apparently sold, without my knowledge, by Synchrony Bank. I have never received any documentation from Ashley Furniture, Synchrony Bank, or XXXX XXXX XXXX. 

Attached is a copy of the letter from 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 2021-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX XXXX I received a credit decision from Capital One stating that I was denied an approval for the platinum MasterCard.

16 CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.

16 CFR 433.1 ( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.

I identify as a consumer and I was seeking goods and services for personal, family and household use. Title 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

I provided capital one with the numbers off of my social security card.

Title 15 USC 1602 ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.

I the consumer have have open end credit plan in which Capital One denied me.

Title 15 USC 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 
By Capital One telling me that I was denied something that I as a consumer by Federal law have access to was verbally abusive to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I opened an account with XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/XXXX, they are reporting it one my credit that it was opened XX/XX/XXXX. It is showing a balance of {$1300.00}. This is incorrect. When I opened the account the balance was {$1700.00}, I put a down payment of {$700.00} leaving my finance amount at {$1000.00}. I had automatic payments coming out of my account in the amount of {$130.00}, which paid the balance pretty much in full. Also, I never received any notification allowing me to dispute the validity of the debt, it just appeared on my credit report. I have disputed this information several times with the credit bureau, but XXXX XXXX refuses to correct their error, and they did not give me a c chance to dispute the validity of the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: WI

Complaint narrative:
I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report 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 2021-09-20 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: WI

Complaint narrative:
I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I submitted a request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report 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 2021-09-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have requested several accounts be investigated on my credit report. The investigation took well over 30 days and I am demanding these accounts be removed in less than 30 days. The investigation should have been completed 30 days ago and the accounts are still in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Data Systems
State: NC

Complaint narrative:
10 total accounts for Financial Data Systems : XXXX {$140.00} XXXX {$100.00} XXXX {$180.00} XXXX {$180.00} XXXX {$140.00} XXXX {$180.00} XXXX {$140.00} XXXX {$86.00} XXXX {$87.00} XXXX {$140.00} I started off with bad credit because of debt that I didnt even know I had. After contacting My medical billing office several times, they claimed that they can not do anything about claims sent to collections. These accounts were paid off all at once at the beginning of this year. They have been paid off for months now and theyre still hindering my credit. 
To this day theyre trying to collect several hundreds of dollars from me. At the beginning of this year I tried paying everything off through the company itself as well as through the debt collection company. I was successful with the debt collection company, but the medical facility now has inaccurate records for what I owe them. I have been harassed all year long for an amount that I do not owe them. Ive tried to get in contact with them and they refuse to meet with me. They just tell me I have to call and talk that way. Which has gotten me nowhere. I would like for all of this to be put to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America is continuing to report a 30 day late payment on my credit card, despite telling me it would be removed by the credit bureau. The late payment is showing up in XXXX of XXXX. During this time I was caring for my sick grandmother and dealing with other XXXX related medical issues, and Bank of America 's hardship policy was supposed to help consumers in situations like these by not reporting late remarks that were associated with XXXX hardships. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( XXXX # XXXX ) instructed me that the credit bureau would remove the late notation, if I contacted them directly. Based on this telephone call, I immediately contacted the credit bureaus requesting removal of the erroneous late payment. On XX/XX/XXXX, I received a response from XXXX XXXX stating they conducted an investigation and determined the disputed information was verified as accurate. 

During a telephone call on XX/XX/XXXX, Bank of America 's representative XXXX ( ID # XXXX ) said that she saw the notes about the late payment and that she did not have the ability to change the credit reporting. She said that the issue was under review and a decision had not yet been reached. She said I would be receiving a call from XXXX XXXX, which I never received. 

After my call on XX/XX/XXXX, I received a letter in the mail from Bank of America, dated XX/XX/XXXX, which contradicted what I had been told over the telephone. The letter stated " We didn't identify any payment record errors related to this account. As such, the delinquency is valid. '' This letter shows that a decision had in fact been made, which was contradictory to what representatives at Bank of America were telling me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I paid off my car for the full amount as stated in the payoff quote by the financing company. The money was taken from my account and my bank confirmed that the finance company had the money, but they claim they did not receive it. They also would NOT provide a written or verbal statement that they did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE

Complaint narrative:
From XXXX to XXXX, ongoing and repeated deluge of forms and letters from Select Portfolio Servicing Inc. that requested/repeated the same information. Replies sent as requested. Since, SPS has perpetuated errors regarding home appraisal, personal income, and residency/occupancy. 
- XX/XX/XXXX, my husband and homeowner died, house ownership transferred to me via WILL - XX/XX/XXXX, settled estate with lawyer - Fall XXXX, appraiser only visited part of house, leaving errors and omissions in report. Refused to correct ; errors continued by other appraisers - XX/XX/XXXX, Cares Act put moratorium on housing foreclosures- XX/XX/XXXX, SPS contacted XXXX XXXX XXXX, telling them that my house was being foreclosed. XXXX XXXX XXXX cancelled my insurance after that contact. 
- XX/XX/XXXX, new insurance obtained with California XXXX - XX/XX/XXXX, SPS notified XXXX XXXX that my house was being foreclosed and to cancel my insurance. XXXX XXXX responded to SPS that the insurance policy was with me ( the owner ) and not with SPS. 
- XX/XX/XXXX, started working with HUD Counselor, XXXX, XXXX XXXX - XXXX XXXX, SPS repeatedly reported my income as " {$0.00} '' which was and is not true. This error was reported to the HUD counselor, who first noted this error, and SPS. 
- SPS still did not correct this error, which has since been reported to " third parties '' - XX/XX/XXXX, my first mediation hearing in foreclosure prevention/home retention process - XX/XX/XXXX, XXXX XXXX XXXX XXXX phone message that SPS did not want my insurance policy renewed because " the house is unoccupied ''. This is absolutely untrue. 
- XX/XX/XXXX, talked with XXXX XXXX about the issue and confirmed that SPS had indeed falsely reported my house as unoccupied. 
- XX/XX/XXXX, my second mediation hearing for same ; Final Mediation Record obtained - XX/XX/XXXX, owner given 60 days to provide listing agreement, sales contract, before Default Judgement will be sought. Errors with personal income and home occupancy neither acknowledged nor resolved by SPS. SPS denied contacting XXXX XXXX, despite phone message from XXXX XXXX ( XX/XX/XXXX ) saying that SPS contacted them regarding non-renewal of insurance as house was " unoccupied. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation