vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I made an online deposit at Bank of America with a check that I received for payment in the amount of {$4200.00} from the company XXXX XXXX XXXX, as per the attached photo and another online deposit at Bank of America on XX/XX/XXXX of XXXX in the amount of {$1000.00} from the company XXXX XXXX XXXX XXXX XXXX, as attached, the XXXX checks were normally cleared to my company account. On XX/XX/XXXX my wallet was stolen and it contained the XXXX check sheets, which had already been cleared and on XX/XX/XXXX the value of the XXXX checks XXXX for {$4200.00} and another for {$1000.00} was withdrawn from my account, on the statement it is marked that there was a Debit Ad adjustment Duplicate, I made a report on the day of the theft, I called the bank, I complained about the withdrawal of the money, they told me that I would have up to 60 days to investigate the incident, because I called the bank and went directly to a physical branch, I talked to a manager and at the time she called the fraud department, because so far they haven't solved my case and they don't refund my money. I always call the Bank of America fraud department and they claim I deposited XXXX Xx the same check. 
Because the bank has an electronic system and doesn't allow me to deposit the check, I don't understand why the money disappeared from my account, because if I had deposited it twice, it would have doubled the amount in my account. I already called the respective owners of the XXXX checks and they informed me that the amount did not return to their account and other than that the manager suggested and opened another account of my company and said that I could receive my checks deposited and that there would be no problem with them paying the other account that is negative because of the amount withdrawn. 
Account number : Route number : Second open account suggested by the manager : Route number : I don't know what else to do, it's already been 90 days and they claim they won't refund the money and on XXXX I made a check deposit in the amount of {$650.00} in the new account I was using normally and on XXXX they transferred {$630.00}, XXXX for the account. they closed my account they don't want to return the money and they say that the checks were cashed at a check cashing house this is absurd because I had already deposited it once

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 2022-02-01 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER XXXX  DAYS. I FILED A XXXX DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2022-02-01 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: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the XXXX credit bureaus since I first did a report. It has been over XXXX days and I would like these items removed.

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 2022-02-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I am trying to get the bureaus to remove these incorrect inquiries. I am trying to purchase some property these incorrect items on my report are halting the process heavily. I am at a loss at to what to do now and have not heard back from the three credit bureaus since I first did a report. It has been over 30 days and I would like these items removed.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander mistakenly paid ( from my escrow account ) my entire insurance premium in XXXX XXXX instead of just the homeowner portion. The insurance binder clearly itemized the amount Santander should have paid for the homeowner portion. In XXXX XXXX, Santander completed an analysis of my escrow account, and they did not account for their error, thus increasing my escrow payment by more than {$400.00} per month, which I can not afford. I first called Santander on XX/XX/XXXX, XXXX and also emailed their customer service dept. Neither attempt was able to resolve the issue, in fact they did not reply to my email. Since that date, I have placed several calls and made several more requests to get them to correct the matter and provide documentation for my files. They have refused to provide an email address to a direct contact for me to communicate with which will also allow me a document my position. I have provided confirmation that my insurance carrier has reimbursed Santander entirely ( in XXXX XXXX ) for additional money they received due to Santander 's error and that I paid my portion throughout the year. My last communication with Santander was XX/XX/22 when I spoke to XXXX from their insurance department. She recognized the error and explained it would take XXXX business days to research and that I would get an email confirmation. To date, I have not heard from a Santander representative. 

Note, the attached was sent to XXXX XXXX XXXX XXXX XXXX, who, in turn, advised me they do not handle such a matter and referred me to helpwithmybank.com

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 2022-02-01 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: GA

Complaint narrative:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

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 2022-02-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been trying to work with the bureaus and they have not responded to my letters. I am trying to provide for my family and make a better life for myself and they will not and have not removed these inaccurate items from my report. I need to hear something back from them so I can finish this process. It is causing immense hardship.

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 2022-02-01 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:
On XX/XX/2021 EQUIFAX removed the collection account of XXXX XXXX XXXX XXXX XXXX from my credit report however, it was added back without properly notifying me. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than XXXX business days after the reinsertion. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TX

Complaint narrative:
I applied for a Capital One XXXX card in XXXX of last year that promised to pay me a bonus of {$200.00} if I charged and paid off {$500.00} in charges in the first 3 months. I applied on their site and was immediately approved for the XXXX card without any problems. 

I did make the charges for over {$500.00} in the first XXXX months and paid off the charges before any due date. They did not pay the bonus and when I called, they said they changed the card to something else that would not received the bonus. I did get the XXXX card that was shown on the promotion and they never told me about any change or reason that I would not receive it. 

They owe me the {$200.00} that was the reason I chose the cards. I am mailing a copy of the letter my grandfather helped draft in XXXX to try to get their compliance department to research and do the right thing. They have never even responded. 

This shows that they intentionally had a deceiving promotion, or just lying about paying a {$200.00} if you get their card and charge at least {$500.00} in the first 3 months. I would like you to make them pay me the money they promised by the add that led me to apply and be approved for their card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed XXXX XXXX several times for it reporting incorrectly on my Equifax report over the past few years. After several attempts with Equifax the item still remains listed and is incorrectly reporting. XXXX XXXX has been removed from XXXX and XXXX reports for over six months. I have tried reaching out to the XXXX XXXX and they have failed to respond concerning this account. Equifax has not been updated on the credit report as they suggest so they are able to continue to report inaccurately. I would like this account deleted immediately as I have tried to have it removed for the past few months with no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX is reporting an account on all XXXX credit bureaus that is not mine. I have requested for years they provide/send me an original signature of mine on their contract to verify its my account, but they have been unable verify the account is mine, so by law they must remove the account immediately. They then proceeded to report to the IRS a charge-off notice for {$30000.00}, causing me even further damage, that is completely inaccurate. I have sent them years of letters, as well as to all XXXX credit bureaus requesting they delete the account. They refuse to provide any original contract to prove its my account, and refuse to remove it from the credit bureaus, which is illegal. They have seriously damaged my credit and now will cost me a lot of attorney fees to clean up their mess with the IRS. Please make them remove the bogus 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 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DCN Holdings Inc.
State: FL

Complaint narrative:
XX/XX/2022 at XXXX pm- I returned a missed call only to find that it was that of a collections agency. The company calls itself Accounts Receivable and the agent identified himself as XXXX XXXX. XXXX XXXX states that I owe a debt to a company called skyline media. He told me that I was a scam artist that I churn and burn companies. He was yelling and screaming to the top of his lungs and said that minorities are always trying to claim poverty. I was able to record all that he said with an app on my phone, he threatened to sue me and take anything that I have. He was making so many threats and screaming so irately that it caused me to have an anxiety attack. This has to stop I can not stand to see anyone else experience what I experienced today. Please help. 
I found the following information on the internet regarding this company : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL, XXXX Phone : XXXX Fax : 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 2022-02-01 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: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
TD BANK XXXX is mistakenly reporting to all 3 credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the 3 credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all 3 credit bureaus. With sincere thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Please be advised! That the Secured Party XXXX XXXX XXXX is giving TD AUTO FINANCE the XXXX lawful notice that the undersigned seeks a billing error resolution pursuant to 12 CFR 1026.13 due to the following facts : XXXX. The billing error in regard to previous CFPB complaint # XXXX wasn't resolved, nor was the claimant given any reason from CFPB for why the complaint was closed without any resolution. 
XXXX. TD AUTO FINANCE LLC failed to address the issue of the misapplied payment and sent in the agreement contract to the claimant, the claimant wasn't denying that he/she signed the contract XXXX. The claimant is now seeking a resolution for the second time as TD AUTO FINANCE LLC continues to ignore the billing error XXXX further, I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. 
XXXX. These errors as well as the number of payments seem to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( XXXX ) refers consumes to the creditor or ( XXXX ) is affiliated with the creditor by common control, contract, or business arrangement. Under Regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. 
XXXX. Following closer research regarding TD AUTO FINANCE LLC ACCOUNT # XXXX, the claimant determines that the respondent is conducting business in violation of both regulations Z and XXXX of the Truth in Lending Act XXXX. The demand is made that TD AUTO FINANCE LLC produces the original wet inked signature instrument, which will prove if this said instrument was securitized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I received a letter from Convergent Outsourcing for a debt owed to XXXX XXXX. It is for a debt according to them that is from XX/XX/2005. That is 17 years ago. They do not specify who the debt is for. I do not want to call for fear it is a scam.

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 2022-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
In the summer of XXXX our electric went up triple we had almost XXXX $ for one month, and started getting behind that year due to that, with shell point morgage. I was only one month behind in the winter, then husband went on layoff because he is in awn and landscaping. In XXXX we started a modification, i was rather reluctant because our payment was XXXX $ and XXXX fixed, I wanted to catch our couple month payments up with our tax refund, the relationship manager said we where going to go into foreclosure if I did do modification, we where really p ressured and scared into a modification. I am XXXX I believe he treated me unfairly and wanted me to lose my home. He sent papers we got them signed and notarized, because he rushed us, I didnt get the terms of modification when we signed. I made my on time payments then, morgage was sold to select home portfolio in XXXX of XXXX of XXXX, I received all my paperwork and said it was a 6.75 % with a XXXX $ payment and a 40 year mortgage note. I have not made payment since and have had so many hardships including covid layoffs, mental breakdowns, now we are in foreclosure with me type XXXX diabetic, daughters having intellectual XXXX, and my feet are XXXX badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
Reply to Complaint ID XXXX : Respondent ( Discover Bank ) failed to address why their customer service representative belonging to Discover Bank assured me refund after I upload letter from XXXX XXXX attesting to the quality of product as not as advertised. Attached is the letter I uploaded over XXXX ( XXXX ) months ago. XXXX XXXX  is not addressing Misrepresentation of fake leather being sold as genuine leather. Moreover, XXXX stated on phone I received their nurse promotion as part of XXXX giving free furniture to nurses minus delivery charge ( attached ). XXXX however charged my card full price anyway, no contract or paperwork was ever given to me because whole purchase was done over phone during covid.

Company response to consumer: Closed with explanation