vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
A certified check was mailed out to me for payout of an alimony settlement. It was unfortunately sent to an old address. I was unaware of this check being mailed until many months later when it was brought up in court. I then reached out to Bank of America to start a stop payment on the certified check. The banker at the location of XXXX XXXX  XXXX XXXX, DE assisted me in an investigation and gave me a claim number as he told me a Stop Payment couldn't be issued as the Certified Check was deposited already. This was in XXXX and I can't remember the gentleman 's name, but he was a XXXX  man. The following day I called the bank with the investigation claim number and they said they can no longer assist me and they won't be looking into the matter anymore unfortunately. I was then hung up on and have had XXXX help trying to track down my certified check from Bank of America. The check was dated for XX/XX/XXXX. it was check number XXXX and it was a sum of {$240000.00}. I'm at a loss for how to recover the funds if the bank won't assist me in the investigation. Thank you for your help and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MRS BPO, LLC
State: UT

Complaint narrative:
Mrs. BPO is reporting a debt on my credit file they can not verify. They are reporting a {$610.00} debt for XXXX XXXX XXXX. When I called to see if this was my debt, they could not verify anything. They said they couldn't find any account under any of my information and told me I needed to go to a corporate office so they could find me and then I could pay them. I live 3 hours away from a corporate office and if I have to pay them IF I even have a debt, why is Mrs. BPO reporting? This is a violation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a credit card from Navy Federal and I informed the representative that I wanted cash back rewards but I received the platinum not know that it was not a rewards card. I called after noticing no rewards and inquired into why. A supervisor asked why I did not inform them immediately, I told her I didn't know the difference. She made it like it was my fault. On XX/XX/2023 She called me a lied saying that a new card was going to sent out within 10 days, after not receiving a card I called back an was told that the request was denied by the back office and I can apply again after a year. If I made a mistake and harm the credit they want me to make it right but since they are wrong I have to suffer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 2023-11-17 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AK

Complaint narrative:
I've been waiting for a refund for an overpayment made to Toyota Financial Services ( TFS ). They provided evidence that the check was cashed but will not tell me where the check was cashed. The back of the check is endorsed with my name and XXXX XXXX XXXX XXXX. Is suspect a fraudulent signature. While the signature appears similar to mine but appears to be off a bit. XXXX XXXX has no evidence that the check was cashed into any of my accounts. I have no memory of depositing this check and TFS will not tell me where the check was cashed. 

TFS tells me I need to have my bank send a Merchant Report to them but how can they send a Merchant Report to them if they never received a check. TFS is passing me off to XXXX XXXX and XXXX XXXX is passing me back to TFS. I'm in an endless loop. 

Attached is all the recent correspondence I've had with TFS. I have talked with XXXX XXXX on the phone and they tell me that TFS has to investigate this. 

If you are not the right agency to assist me, please let me know who I can contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: CA

Complaint narrative:
On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward XXXX MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: NV

Complaint narrative:
I recently looked at my credit report and found that Experian are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$640.00} as of XX/XX/2023. 
XXXX XXXX XXXX Account number-XXXX  I requested an investigation for this account with Experian and yet this inaccurate information is still on my credit report following a completed investigation by Experian. 
This is a violation of the FCRA and is also in violation of requisite METRO 2 compliant reporting standards. 
By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with CRSA enacted CDIA Metro 2 Compliance regulations, I have the right to a fair and accurate credit report, and Experian is required to remove ANY information that is not true, accurate, compliant, and verifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Fraud occurred XXXX XXXX XXXX {$700.00} check fraud. I bank w/ Bank of America for 20 years. ( 3 months in ) and they failed to send me the bank affidavit form/doc. so I can file my police report. Never received a status update either. I keep calling the fraud dept. and nothing has been resolved. The local branches by me are closed and do not offer this service. This is handled by the back office. Never mailed me the bank affidavit. UNACCEPTABLE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: TN

Complaint narrative:
On XX/XX/XXXX I submitted a letter along with a police report and ftc identity theft report stating that I recently pulled my credit and noticed it was accounts that I did not open or authorize anybody to open up which would make me an identity theft victim, XXXX only deleted XXXX account " XXXX XXXX '' and left the other XXXX along with the inquiries that I did not authorize either. The accounts XXXX left are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX and XXXX inquiries ( see attachment ). Equifax deleted XXXX accounts " XXXX XXXX  XXXX and XXXX XXXX '' but left XXXX which was XXXX XXXX XXXX XXXX ( see attachment ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how First National Bank of Omaha had reduced my XXXX Mastercard credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting FNBO numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to FNBO that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at FNBO they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with FNBO currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, FNBO showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward FOUR MONTHS and still nothing has been resolved. FNBO 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I did go to XXXX and made a purchase in the city of XXXX CA. That evening I went to ATM machine in XXXX XXXX CA around XXXX pm and pulled {$40.00} out. Walking back to my car I receive a message from Bank of America service : stating that there was a possible fraudulent transaction happening at restaurant in XXXX CA for just over XXXX XXXX I immediately sent a reply NO and card was blocked. It looks like banks fraud recognition computer software was able to recognize restaurant transaction as fraudulent because it happened so close to time of ATM withdrawal and placed a hold on my card. It does make sense because how is it possible that my card was charged for XXXX at XXXX1and another transaction been denied at restaurant in same city of XXXX while I am at ATM getting cash XXXX miles away at same time of the day. The only logical explanation that it was fraud. 
Bank of America is stating that I have shopped at XX/XX/11 before there for I am responsible for this charge? 
I have never authorized that transaction and never shared my card with anyone. Have not authorized for anyone to use my card and do not have any duplicates of card issued. I do not know how the thief got a hold of card number and pin. I have not been to that city in past XXXX years. This is not my fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: MS

Complaint narrative:
On XXXX XXXX I sent a letter to the credit agents requesting for them to update the inaccurate information on my credit report. They are reporting late payments on XXXX different accounts. I have not received any letter of method of verification. Due to these accounts were not update they violate FCRA, they are in violation of the law. 
These violations include but not limited to : 15 USC 1605 15 USC 8 15 USC 1692j I am frustrated because these accounts should be updated, and they are impacting my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: IL

Complaint narrative:
received credit report on XX/XX/2023, they have my right name and address, but i have no knowledge of XXXX incorrect phone numbers, names, addresses and date of birth

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I was charged an extra {$670.00} as XXXX of the automatic monthly payments from Kia Motor Finance America. I am expecting a refund of the said amount charged to my bank account on XX/XX/2022 after my car loan was paid off on XX/XX/2022. I reached out to Kia Motor Finance America at least XXXX times since then, filed several complaints, left a dozen voicemails and have still not received the said amount. I request you to please help me get my refund. 
Please let me know if you may require any additional information regarding this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My account with ShellPoint is still reflecting negative remarks on my credit report with all XXXX credit bureurs when I was covered under the XXXX outbreak. No one has responded to any of my letters and now I am being forced to result to CFPB. 

According to 15 U.S Codes : 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX  XX/XX/XXXX I was supposed to receive XXXX from XXXX  when I looked it said it was there but wasnt in my account so I called Citibank and they said they are having difficulties with deposits at that moment and I should wait XXXX days. I did and when I looked at my account it still hasnt been deposited And they are saying it has but I have not spent or saw the money it is 4 days now.. they told me I spent it when I did not I watch my money I never got it I just want my XXXXthis in any the first XXXX citi did not give me my money back. I had a problem with a merchant that did not send me my things I brought and I was not reimbursed my money.

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