vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX  we found out on our bank/checking acct got fraudulent ACH transferred of XXXX  Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XXXX  it was attempting to charge XXXX. We got all the funds back from XXXX and XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I felt like this is inadequate for a big corporation especially a bank we all trusted. The only response I got back from Bank of America is that to go look for XXXX. I tried approach XXXX, XXXX  indicated that they cant help me since it is initated through bank of america. My lawyer have emailed a letter to the bank of america indicating proof of point of contact and transfer, no response. My main concern is first why Bank of America never texted or call indicated alert of transfer. Second online it indicates that usually more than XXXX it will be block, the amount exceed 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 2023-09-21 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: FC HoldCo LLC
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

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 2023-09-21 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I sold my home to my daughter and her husband and they put solar panels on their roof. Without my knowledge, approval or consent the loan company they financed through used my credit as a basis to approve the loan. I knew nothing of this company nor was I involved in the process. At no time did I authorized them to pull a credit report, I did not agree to be on the loan and I DID NOT sign their paperwork. I knew nothing about this till the financed amount appeared on my credit report. I do NOT live at the house and have no legal interest or rights in it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/XXXX XXXX Capital One XXXX XXXX XXXX Capital One XXXX XXXX, VA XXXX United States XX/XX/XXXX XXXX : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

( the missed payments are inaccurate ).

As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been a vicitm of identity theft and I am still having problems. I have sent copies of all the identity theft paperwork to the credit agencies and nothing has been done. No FTC reports have been attached to my disputes. And per the FCRA I am supposed to get copies of the verification process and I am not getting any.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
According to 15 USC 1681b ( a ) ( 3 ) ( A ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer

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 2023-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Mohela XXXX months, years of my paid-ahead due dates. 

During my XXXX period ( through XXXX, XXXX ) I " paid ahead '' many loans by several months, even several years for most loans. Now, Mohela has wiped out those paid-ahead months and years. 

For example ( see attached for XXXX and Mohela loan detail ) : XXXX XXXX XXXX ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX ( just a couple weeks from now ) XXXX XXXX XXXX  ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX XXXX XXXX XXXX ( Mohela XXXX XXXX ) XXXX Paid-up Until : XXXX, XXXX Mohela Next Payment Due : XXXX, XXXX Result : Loan payments that should have been months or years in the future now WRONGFULLY due in a few weeks. 
If a bank pulled a felony like this, i.e., erasing or ignoring loan payment due dates, that bank would lose their charter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Most recent late payment history on my Equifax credit report is showing XXXX months which is incorrect information. My most recent late payment is actually over XXXX old.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
At time of hospital visit a credit card was placed on file to make all charges of stay from hospital and providers. The total amount was charged on XX/XX/2021 in full. When debt collector called I called the provider billing dept and spoke to agent who is responsible for doctors for the hospital facility XXXX XXXX XXXX ext. XXXX and she verified balance is XXXX. I spoke to XXXX at the hospital ( XXXX ) XXXX and she also verified balance is XXXX. She also confirmed a refund of {$700.00} was sent for an overcharge on the credit card. The debt collector has not been able to provide transaction payments. I have verified with both provider and hospital billing departments have a XXXX balance and yet they refuse to remove it. If you call the representatives you will confirm balances are XXXX on both.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I took out a personal loan with USAA bank a fixed interest rate loan however the bank is charging me a daily rate rather than fixed monthly agreed upon. 

Interest rate higher than principle rate. Ask USSA why they indicated I am charged daily rather than monthly for the loan. 

This is unfair lending practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2023, I expected a direct deposit of XXXX to hit my checking account as part of my regular pay schedule. When the funds did not appear in my account by [ date ], I contacted the bank 's customer service to inquire about the delay. I was told that they had not yet received the check but would release the funds immediately upon receipt. 

I waited until XX/XX/2023, around XXXX XXXX CST, and when the funds were still not available, I contacted customer service again. At this point, they repeated the same information and offered no further assistance or explanation for the delay. 

This has caused significant financial hardship as I have pending bills and financial commitments that are now at risk due to this unexplained delay. The bank 's Electronic Funds Transfer Disclosure states that any direct deposits received in my name would be processed immediately, but this has not been the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I submitted XXXX complaints that were not resolved by Bank of America ( BOA ) or Consumer Financial Protection Bureau ( CFPB ). Here is the complaint again : Someone has been committing fraud using my name and personal information to create bank accounts at Bank of America ( BOA ). This fraud was started in XX/XX/2021. In the past several months, I've received notices from BOA claiming an account was opened and has been closed. One of the most recent ones had a monetary value of {$2000.00}. I have contacted BOA several times on the XXXX, and the phone disconnected several times. I went to XXXX of their local branches to dispute the issue with XXXX XXXX and was dismissed. Even more recently, a check was sent to me with an existing account I'm not aware of. Of all the banks I have had in the past several years, this is the first bank that has carelessly mismanaged my information and exposed me to identity theft. It's a frightening and unsettling situation to be in when someone can continuously open an account with your name for months without the bank taking any action.

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 2023-09-21 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
After paying my 60 payments on my auto loan I reach out to a particular Customer Advocate at Huntington Bank why I still owed {$2600.00}. I received an email from this individual that was matter of fact on my original loan agreement. I already knew of the loan agreement and wanted to know what this amount owed was. Was it additional principal and interest? Was it late fees? How can I take of of this amount owed? Who or what dept. should I contact, etc.. I emailed this individual 5 times - XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and finally on XX/XX/23. I have saved all emails to be safe. Not one response came back over the 30 days and 5 emails I sent. In that time frame Huntington Bank then showed me as delinquent and reported me to the 3 main credit bureaus. I was a XXXX FICO score and prided myself on having exceptional credit. Why would I destroy my credit after paying the obligated 60 payments on this auto loan. My FICO score has now been reduced by XXXX points and will take7 years to remove. I have contacted Ohio XXXX  and Attorney General for the State of Ohio. I need help to get back my exceptional FICO score and not have this negative impact due to zero response from the bank when I tried 5 different times to get help. I have the name of the individual at the bank but not sure if that is needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This is my second claim reguarding this. Capital One responded to my first claim stating that XXXX needed to submit for the funds to be returned to them. After struggling with them to get them to do this they sent it over for the amount that was deposited of {$110000.00} and capital one denied it stating that there was insufficient funds. I have been trying to get this worked out with XXXX from capital one talk to her last week on Friday she let me know she would be returning to the office on Tuesday have tried multiple times to contact her and she will not return my call. I have provided Capital One with the document they were asking for yet they are still denying to release my funds back to XXXX capital one has held my funds for over two months now I need help getting them to do their job. I did get a quick response from the first claim I put in however they have not kept up there end And sent the money back as they requested per XXXX. I have contacted XXXX at least three times a day since Tuesday and have yet to hear a response I think waiting over two months is long enough and I feel like capital one is intentionally holding my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: Revco Management, LLC
State: CA

Complaint narrative:
I sent a letter asking to validate the debt. I gave them 30 days to respond. They have NOT provided the proof. 
The letter was sent certified mail, with return receipt. 
They have violated my rights in many ways. My credit score dropped from XXXX credit score to 600 's

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 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: TX

Complaint narrative:
Experian is refusing to remove & block these accounts is related to fraud over seven years ago. These accounts should be removed by Federal Laws from the date these accounts were open. Experian is making their own policy 's and saying these accounts are to remain from there last date of payments. That is incorrect by Federal Law States. Experian is in volitions of Federal Laws. Experian was sued once before for violating Federal Laws.

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 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your 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 2023-09-21 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: T.S. Holdings
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief