vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-07 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: UT

Complaint narrative:
XX/XX/2022 I received a credit card from Bank of America in a name I haven't used in 4 years. Luckily it showed up at my mailbox. I contacted Bank of America, spoke with XXXX in fraud and filed a fraud complaint ( case # XXXX ). XXXX assured me their fraud department would take care of this, the inquiry would be removed from my credit report ect. I then went to XXXX, froze my credit and placed a fraud alert on it. XX/XX/2022, I receive an email about ANOTHER credit card I had been approved for thru Bank of America. This time, however, due to the other situation and placing a fraud alert on my credit report and locking it down, Bank of America actually contacted me. I spoke with XXXX in underwriting and explained to her what had happened in XXXX and she said they would mark the application as fraudulent and it would be taken care of ( which it was ) Fast forward to XX/XX/XXXX and I had my credit pulled for another reason and sure enough, on my report, shows an active account with Bank of America that was opened in XX/XX/2022. This account is now showing deliquent because it has a {$75.00} annual fee that hasn't been paid. First off, this account IS NOT active because I never activated it. I also had filed a fraudulent complaint with XXXX and they removed it and supposedly started an investigation. However, here it is again and XXXX said they completed their investigatin and that Bank of America said it was a " current active account '' and therefore remains on my credit. XXXX???? I have done everything on my end to take care of this and was told by both Bank of America and XXXX it would be taken care of. XXXX investigated (? ) nice investigation. First off, why would I apply for a credit card that isn't even in my name. Bank of America says it's " accurate '' and so that ends their investigation? This is wrong on so many levels. I was failed by Bank of America and XXXX. XX/XX/2022 I make contact with Bank of America 's fraud department AGAIN. This time I speak with " XXXX from Georgia ''. I ask so many questions and get no answers. 
All she has to say is " this will be taken care of '' ( case # XXXX ). I explain the XXXX process and she informs me there is no notes of anything ever being done on my account. WOW, good job Bank of America, sure am glad I actually don't have any accounts with you if that is how your fraud department works. I would apprecaite this all being taken care of. I have now filed 2 fraud claims with Bank of America for the same situation and 1 with XXXX. I have locked down my credit and placed a fraud alert on my credit. Can we please get these companies to take care of the American consumer like they should be?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In 2006 I went to The Illinois XXXX XXXX XXXX for 3 years. I went on a short break and when I came back they said my XXXX XXXX was no longer offered and that I could go for an XXXX XXXX instead. I couldnt even finish my 1 year left and still pay XXXX each month since I was XXXX. XXXX XXXX with XXXX kids now under XXXX still paying without any possibility of getting my degree finished. They wouldnt even take all my credits!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of 2022. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: JPMORGAN CHASE & CO.
State: AK

Complaint narrative:
Auto loan with chase bank, is reporting false information, therefore the information should be removed all together. I spoke with chase bank and they stated that they sent a letter to correct the false information and two other agencies already corrected this months ago ( XXXX and XXXX ) But XXXX refused to fix and report truth and also refused to put a statement on my file explaining the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am a Wells Fargo customer. A direct deposit was supposed to show up in my checking account 2 days ago but something is clearly wrong with the system. I am not able to pay my rent. I already have to pay the late fees for my bills and now I face eviction if they do not solve this problem quickly. 

I went to a Wells Fargo branch and the staff there said it was because of the XXXX of XXXX holiday and asked me to wait. 

On the website, I can only see " If you see incorrect balances or missing transactions, we apologize for this issue. Your accounts continue to be secure and we're working quickly on a resolution. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received a letter from XXXX XXXX the JPMorgan Chase Credit card ( https : XXXX ). I went on the website to set up payment and charges were put on my account to pay off. The original amount owed was {$720.00}. There are strange charges saying " failed '' and then successful. My original amount is not dropping! I tried multiple times to contact them via email from their site with no response. I tried multiple times to login into my account and can not get in no matter what verification choice combination I use. I have not called because I like to have documentation of conversations. I will attach screenshots of proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: AK

Complaint narrative:
Auto loan with XXXX bank, is reporting false information, therefore the information should be removed all together. I spoke with XXXX bank and they stated that they sent a letter to correct the false information and XXXX other agencies already corrected this months ago ( XXXX and XXXX ) But Experian refused to fix and report truth and also refused to put a statement on my file explaining the issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2022 I XXXX XXXX sold my company car to XXXX for XXXX issued by bank draft. I took the check to Bank of America in XXXX and was told that the check will clear the following business day and was guaranteed that information. At that moment I asked her again and she verified that it will clear tomorrow morning because if it wont I could just take the check to XXXX XXXX XXXX and deposit it. But she specifically said no Bank of America will clear it. The next business day I get notified by Bank of America that a hold was placed on the check and was told that the check issuer will have a high chance of returning the check. I called XXXX and XXXX XXXX and was told that information is incorrect. Once again I call Bank of America to be told lie after lie even when I explained that I was directed under false pretenses as a customer to deposit the check. This is bad banking practices and legally not right to direct customers under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX closed on my construction to permanent loan on XX/XX/XXXX with an interest rate of 3.3750 %. XXXX sold my loan to Shellpoint Mortgage Servicing with my payments to begin on XX/XX/XXXX. On XX/XX/XXXX, I discovered that Shellpoint had increased my 30 year fixed mortgage rate to 3.6250 %. I informed both XXXX and Shellpoint about the change in rate on XX/XX/XXXX. XXXX told me that Shellpoint had evidently made a mistake. After many phone calls to Shellpoint customer service, Shellpoint has not responded to me directly to correct the problem and customer service continues to tell me the rate is correct. How can a company change a fixed 30 year rate without some consequences?

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX Account XXXX XXXX, Account name XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXXXXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, Account name XXXX XXXX XXXX XXXX Account # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my credit report and saw these accounts being reported improperly. As a result, I've suffered financial harm and was denied a home loan. This has been so stressful. 

The accounts are : 1. XXXX XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX These accounts are in violation of 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
On XX/XX/22 I had an escrow balance of {$5100.00}. My flood insurance was due and was paid on XX/XX/22 in the amount of {$1400.00}. This left me with an escrow balance of {$3700.00}. On XX/XX/22 an escrow analysis was performed at a refund of {$2500.00} was issued ( I have not received this as of XX/XX/22 ). This would leave my escrow balance at {$1200.00}. I called on XX/XX/22 to rectify the under payment of refund. My escrow account only needs XXXX the disbursement amount ( $ XXXX = {$230.00} ). Therefore, I asked why I still have {$1200.00} in the account if Federal and State law require only {$230.00}. I asked for another refund in the amount of {$1000.00}. Total refund at this point should be in the amount of {$3500.00}. The CSR I spoke to was rude and unprofessional. She wanted to know where I got my numbers. I told her the same information above and she said on her end of the system she only shows {$230.00} in the system. I told her that was incorrect and where can I send my information to escalate. I was provided the customer service email and sent the same information there. On XX/XX/22 I received a call from the mortgage company, but as soon as I answered they hung up. I checked my account again and have noticed they paid my flood policy twice. The 1st payment was on XX/XX/22. A 2nd, unauthorized payment on XX/XX/22. Now my escrow account reflects a balance of {$230.00}, but the mortgage company duplicated my flood payment. I want the excess escrow balance of {$3500.00} to be refunded to me. I have not received any refund as of XX/XX/22 and my mortgage company isn't helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made an on time payment by due date and then paid in full the account balance 4 days after due date and Citibank is rolling the balance that has been paid in full over to the next month when in fact it should have been reported to the credit bureau 's the account was paid in full. There was plenty of time before the next month to report it was paid in full I called citi bank and they refuse to acknowledge the paid in full account and refused to report the correct amount to credit bureau which in turn hurts my credit citibank has no problem reporting account balances or missed payments right away but an account paid in full takes months to report this is unfair business practices by big banks that needs to be corrected. They should be ecstatic when one of their customers actually pays their account off it should be celebrated by the banks that they have a responsible customer who actually did the right thing and not filed bankruptcy and they shouldn't charge interest on accounts paid in full like citibank rolling the balance over to next month and charging interest when balance was paid in full 4 days after due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I've sent multiple requests to Venmo starting on XX/XX/XXXX regarding them freezing my account. No communication has been received regarding any of my tickets nor the reason on why they froze my account. I've attempted to call customer service and they have failed to help in any way and have stated they need to forward this problem to another representative. As of now, the funds in my account are inaccessible and I can no longer receive or request money on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07 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: VA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of America ATM deposit on XXXX of XXXX the atm only credited XXXX and gave back XXXX missing the other XXXX. Filed a claimed immediately over the phone, they said they would credit the account and conduct an investigation. 
On XXXX first thing in the morning I showed up at the branch where this happened, they confirmed their atm amount was over by the amount of my claim had that it would take 2 days to get the money back. Nothing has happened and I must pay my mortgage, the bank where I have my mortgage does NOT care about this problem I have with Bank Of America, they just want their payment. This was not my fault in any way and yes they are taking their time crediting my account, at least they should have the courtesy of doing so while they conduct their investigation, I do not want and cant be late on a mortgage payment which would certainly damage my credit. I have been a customer of Bank Of America since 2005, incredibly that they dont show any efforts to expedite such a big mistake caused by THEIR machine, its not change money it is XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/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 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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