vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I opened my Bank of America checking account on XX/XX/2022. It was an XXXX XXXX  Checking Account. After opening the account in the branch, I was told by the banker that I would qualify for a {$100.00} bonus if I had performed the {$1000.00} direct deposit or more requirement. This requirement was completed on XX/XX/2022. 

I had called the customer service line around XX/XX/XXXX and they said that the promotion was in my account and that I needed to wait at least 30 days for the promotion to set in. Now, I have called twice, on XX/XX/XXXX and XX/XX/XXXX, and on both days, I have been told no such bonus exists on my account and that they are unable to do anything with it. I would like to settle this matter professionally and receive my {$100.00} bonus that was promised by Bank of America when I opened my account. Otherwise, I am looking into opportunities within arbitration and small claims court. 

Thank you and please let me know!

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 2022-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
This issue started in XXXX or XX/XX/2022. I have had several vehicles through Ally, and they told me they would work with me after a Covid/School Shooting Layoff. I was offered a two month extension and it turns out the employee was speaking out of turn. I filed a complaint, and was reached out to by a representative from the Executive Relations Dept.. We played some phone tag, and she left a voicemail informing me they awarded the two month furlough until I was back in school. She said there was no reason to call back. Of course I did, and was not called back myself. 

I have not received a SINGLE phone call since XXXX or XXXX about delinquency. Each time I try to call I am disconnected or rerouted and never called back. Today the car was repossessed and I was charged {$2300.00} to have it returned. That was literally all of my school loan. I am so sick of being taken advantage of as a long time ( and never again ) customer. I need someone on my side, and would greatly appreciate working with someone who can help solve this. I am told the employee who confirmed that furlough is no longer with Ally. I will provide phone records if necessary.

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 2022-08-27 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: LA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-08-27 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: PA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent a letter on XX/XX/2022, to remove these accounts that are inaccurately reported to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00}

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 2022-08-27 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX 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 explanation
Consumer complaint received 2022-08-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I signed for a Parent Plus loan at XXXX XXXX in school years XXXX and XXXX for my son. Yet, Navient closed the Parent Plus account and gave me a Signature Loan? As a matter of fact, the activity page indicates Parent Plus, which, by the way, through no knowledge or permission from me, was consolidated at a XXXX balance. I do not understand why I would consolidate a Parent Plus loan at a lower interest in exchange for a Signature Loan at a higher interest rate. I signed for the Parent Plus loan in person in XXXX. Yet, Navient writes : Your cosigned loans ending in XXXX and XXXX have been Signature Student Loans since they were disbursed. Now Im referred to XXXX that do not have the cosigned loans listed. Im getting the run around. I want to take advantage of recent government student loan options before the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Here are the list of items that needs attention to be delete in my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX Balance : {$720.00} DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : 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

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 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
I received a letter from a collections agency stating that I owed an auto insurance company money from an accident that I was never involved in. I called the collections agency to tell them about my innocence in this case. They provided me with more information and it turns out the I am being misidentified. I have explained this to the collections agency already XXXX times over the phone and they still keep sending me a letter and calling me about what is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
This is my 3rd complaint aganist Trans Union, previous complaint # 's XXXX and XXXX. Just received a document from them regarding my investigation results. Trans Union is either incompetent or being compensated by XXXX not to allow consumsers to place statements concerning XXXX on their report. I have not requested a investigation into XXXX, I have 3 times once by phone and twice in writing requested a statement be placed on my report, and a report with my statement about XXXX be sent to me. Trans Union refuses to add my statement concerning XXXX on my report and instead continues to due investigation which at this point there have been several done. As a consumer I am entitled to have a statement of up to 100 words on my report, please advise me what other actions I can take against Trans Union other than notifying CFPB because Trans Union apparently doesn't care about my statement or be contacted by CFPB.

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 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I did not receive my e or paper statement and therefore did not know when my due date was and was assessed a late fee. I called and spoke to four different people on the chain of command and they admitted male has been weird the past two years but that they have to be consistent with every client and that the late fee was assessed appropriately. I argued how am I supposed to know my due date when I havent had a balance on this bill for a few years and didnt receive a statement is still not waiver fee this does not support their mission statement or their business practices.

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 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
On XX/XX/2022 my house was damaged by water. I submitted a claim to my insurance. My insurance paid me XXXX for the damage. I had to submit the check to Fairway Mortgage because that is who I have my mortgage with. They have been unresponsive, and have held my money for over 5 weeks. They put you on extended holds, and rarely answer the phone. I can not get them to release the {$240000.00} dollars. I call on a daily basis, and I can not get through to anybody who has any authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: IL

Complaint narrative:
why cant XXXX and equifax do like XXXX and delete all aconts but 3 that are valid thats all im asking i filed ftc report and police report and gave a coppy of both to thembut they keep ignoring laws they need to follow like providibg me with proof i signed for that and proof they offered me firm credit neither of which companys did and they keep telling me they did but yet offer no proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 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: NC

Complaint narrative:
I am a consumer by law & my information was misused and now I have false & 100 % inaccurate accounts on my credit report

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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have sent numerous correspondence with this company disputed it with the credit bureaus and they have failed to prove that I was ever late on any payment as I was not. I paid every payment on time and traded vehicle and closed loan accordingly. They repeatedly report I was late XXXX XXXX XXXX when that was impossible as I had traded the car late XXXX and paid off loan. They refuse to remove late payment reporting to all my bureaus when It was already traded and I was never late

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 2022-08-29 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: LEXISNEXIS
State: IN

Complaint narrative:
On XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteridtics, or mode of living is obtained through personal interviews with neighbors, friends, or associciates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such reporting agency when such information was obtained directly from a creditior of the consumer or from the consumer. They also viloated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. They also they violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : Thw law Cleary states the credit bureaus have 5 days to notify me from when they receives my disputes. They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
Receivable Performance Management ( RPM ) and XXXX sent false and inaccurate collection to XXXX that reduced my credit score by XXXX points. XXXX had referred me to RPM at XXXX as the debt manager. When I called RPM on XX/XX/XXXX and complained about XXXX and not receiving notice from RPM before reporting a collection, they decided to send it back to XXXX. Thereafter, I called XXXX again and talked to many managers at different times. Between then and now, I have found out that RPM and XXXX have changed some of the information that they told me was on my file. One of the representatives told me on XX/XX/XXXX that the information about my request to terminate in XXXX and XX/XX/XXXX are there and that it was just that they decided not to follow my instructions based on government directives. One XXXX who introduced himself as a Senior Analyst called today to deny the termination letter sent by XXXX on XX/XX/XXXX, and XX/XX/XXXX. He claimed twice that I called in XX/XX/XXXX and XXXX XXXX, I told him again that I never talked to any XXXX representative between XX/XX/XXXX and XX/XX/XXXX. Even though he later said he made a mistake for saying that I called in XX/XX/XXXX, I don't think it was a mistake because two different XXXX employees I talked to on XX/XX/XXXX said that I called in XX/XX/XXXX and XX/XX/XXXX which I denied. Obviously, XXXX has made many false statements to me and at the same time using my conversations to cover things up based on my questions to them.

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 2022-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: PA

Complaint narrative:
I am DISPUTING a collectioncharge. A collection agent from Viking, LLC continued to attempt collect a debt even AFTER I Told him that this was a charge in error & I had ALL the emails fromXXXX XXXX XXXX where they took off the charge because I should have never been charged. The Viking representative stated that he did not care about the email proof or that the debt that is NOT OWED. 

I rented a car at XXXX airport on XX/XX/ 2022 and returned the car, with a full tank of gas on XXXX at the XXXX airport. I got an email receipt & saw that I was charged for gas even though I returned the car with a full tank. I called & spoke with a representative at XXXX & she stated that the charge was taken off because she could see where it was an error. She sent me an updated receipt without the {$100.00} charge. 

A couple of days later, I saw that the charge was put back on my credit card. I called XXXX back, and the agent said that one department did not communicate with another department, but the charge should have never been put back & he took the charge off & sent me another email. 

Today I received a letter from Viking Client Services , LLC stating that this matter has gone to collections for {$100.00}. When I called and spoke to a very ignorant and rude individual, he stated that he " don't care & XXXX is gon na get its money ''. I asked the Viking Rep what I needed to send him & what he needed to see to prove this debt was a charge in error & It was taken off by XXXX. He yelled at me that he did not have to see anything because all I had to do was pay the money. 

Today, I again spoke with a XXXX representative who stated she did not know why this matter went to collection & she does not know what to do. After having spent 60 mins waiting to speak to the representative that did not know what to do, she disconnected my call. 

I do not want this on my credit report & the Viking debt collector does not care that I do not owe this money. I am not paying something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have never been a Bank of America customer nor did I open a new account with them this morning. But, surprisingly, I received 5-6 emails notifying me that I opened a savings account with a confirmation number and approval. I never even applied for any account. I have been trying to get hold of someone at the BOA only to either get bounced around or kept on hold for over an hour. It is XXXX XXXX and this nonsense started at XXXX XXXX this morning. This practice is not only fraudulent and deceiving but also very frustrating! It has taken my valuable time away from my patients and family and caused unnecessary headaches and hardship. What's even worse is that I do not have a resolution yet. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation