vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been scammed in an attempt to protect my mother 's trust. 
My brother was the trustee for my mother 's account. He died suddenly, and I became the trustee. A few weeks after he died, I received a couple of calls from men who identified themselves as agents from my bank ( XXXX XXXX ) asking me to authorize a few large large sums of withdrawal requests from MY checking account. I realized they were from my mother 's account, NOT mine. I was advised that I needed to protect her account since these were scams, so I was told to transfer her monies temporarily to a different account, a SAFE bank account with The Bank of America. Since it was a large trust, meant to take care of my mother, I agreed to get her money out of XXXX XXXX and have it transferred to Bank of America. They gave me the account name and number to which the monies were to be transferred. The following were the dates and transfer amounts. 
Sent on XX/XX/2022 : {$7200.00} done on my phone Sent on XX/XX/2022 : {$48000.00} done on my phone Sent on XX/XX/2022 : {$68000.00} done in person at my bank Sent on XX/XX/2022 : {$42000.00} done on my phone Sent on XX/XX/2022 : {$96000.00} done in person at my bank Sent on XX/XX/2022 {$95000.00} done in person at my bank Sent on XX/XX/2022 {$61000.00} done in person at my bank Also transferred {$70000.00} from two annuities ( by phone ) to the SAME ACCOUNT WHICH THE SCAMMERS SET UP FOR ME IN A NEW BANK OF AMERICA ACCOUNT. I HAVE THE BANK OF AMERICA ACCOUNT NUMBER. 
When I realized this WAS a scam, the following agencies were contacted. 
XXXX XXXX Bank of America The Attorney General of Virginia Federal Trade Commission FBI - IC3 Form Social Security Administration XXXX Fraud Alert 3 lawyers who told me I would probably never see this money. They didn't want the case. 
The result : The SCAMMERS set up the account at the Bank of America, told me the account number and name. I DID NOT, but was led to believe that this was a SAFE account and I could preserve the money she needed to live on at the Bank of America, until XXXX XXXX was cleared of any wrong doing. My whole family is now separated, one from another, feuding over how I " LOST '' their mother 's money. Much heartbreak!

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 2023-07-12 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well I have a Bank of America account, had it for years I keep getting hit with overdraft fees they have took thousands of dollars in overdraft fees from the year of XXXX  XXXX and its very upsetting they never compensate my money back this always happens to me where I cant pay my bills on time, because of the overdraft fees and I had to have like six different new cards because some one take my money from places I dont understand its very stressful and upsetting I have XXXX kids to feed a single mom who works hard for her money some one needs to fix this problem its ridiculous

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I made an in-person deposit in form of a United States Treasury check at my local Bank of America branch on XX/XX/XXXX and was assured the funds would be available the next business day. The teller swiped the check through their reader and verified the authenticity of the check. 

Later on in the evening of XX/XX/XXXX I received an email from Bank of America telling me that my funds would not be available until the end of the following week on XX/XX/XXXX due to them believing the item/check may be returned. 

That is simply unacceptable. We are talking about a somehow larger check, sure, but its a valid check from the US Treasury and not subject to significant holds under Regulation CC and if, on the rare occasion, an exception is invoked you better be very sure there are grounds for that and you arent placing an undue burden on the customer. A week and half hold for the full amount of the deposit of an, again, US TREASURY check is simply unacceptable, so I have to wonder why and how this decision was made. 

Apparently the person at the bank, who actually held the check and verified it, had no issues with it, so what happened here? Someone in the processing center came across this deposit and decided to just slap on a hold on it due to believing the funds wouldnt be available from the US Treasury? 

My account is in good standing and has always been so. My balances are typically in the neighborhood and have been in excess of this $ XXXX deposit, so its not like Im a new customer or someone who isnt known to the bank. 

Was it my foreign sounding name that caused someone to put this hold on my account, because I cant imagine what else it was? 

BoA didnt even attempt to mitigate the situation even somewhat by making a portion of the check available, but instead is holding the entire amount. 

BoA also did this after close of business at which point I couldnt go back into the branch and ask for the check back so I could deposit it at my credit union, who wouldnt have acted in this manner. 

There simply is no good reason to have this long of a hold on a properly endorsed check from the US Treasury, because surely if the check was fraudulent, law enforcement for the treasury wouldnt be waiting until the end of next week to notify BoA and myself of that l, and if the check cleared, it would happen also way before that, so for me to not have access to the funds before some arbitrary date is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXXXXXX

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 2023-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
While my student loans were discharged through the PSLF program, my payment count was not correct and has not been corrected in the last year that I've been asking for help. I had an additional 22+ payments ( roughly $ XXXX {$14000.00} worth ) that were never applied. I have made dozens of calls to MOHELA and the Dept. of Ed. to try to get help and resolve the issue. I have filed complaints, reconsideration forms, talked to dozens of customer service reps, and have seen no resolution. 
XXXX was my original servicer. Apparently I reached XXXX qualifying payments in XX/XX/2021, during the time XXXX was my servicer, and prior to being transferred to MOHELA. I'm not sure if that is where the problem lays, but these three agencies don't seem to be able to work together to resolve this issue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: OH

Complaint narrative:
I was not able to process my monthly payment due to trouble accessing the bank web site on the due date. I had internet access. The problem seemed to be with the site itself. I was charged a {$25.00} late fee. I've been a client of BOA for a very long time and I always pay my account on time. The service rep was callous and rude. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-12 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: TN

Complaint narrative:
On XX/XX/XXXX Experian received a certified letter and it was signed off by XXXX XXXX it was in regards to a dispute on my credit report of 30 day delinquency my investigation has already been completed and the information is not correct I have contacted the creditor and they said they its accuracy is not correct paid never late. I have provided documentation what was sent to me and Experian did not take the necessary steps to investigate this matter instead used the data furnisher who supply Experian with information using Oscar Method they did not investigate this matter none whatsoever

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: AZ

Complaint narrative:
Complainant : XXXX XXXX, XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone : ( XXXX ) XXXX. Email : XXXX Financial Institution : National Bank of Arizona, ( a division of Zions Bancorporation N.A. ) XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX. Telephone ( XXXX ) XXXX. Branch manageXXXX XXXX XXXX. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 The response to my complaint is for the CFPB to allow the the bank to hide behind the small print of their paperwork and to try and pass responsibility to XXXX XXXX. 

The responsibility remains with National Bank of Arizona. They, not XXXX XXXX, effected the foreign exchange transaction that gouged approximately {$90000.00} dollars from me by using a rate far from the market price. 

I have provided the Open. High, Low and Close of XXXX XXXX on the day in question in my initial complaint. For more evidence, here is the official XXXX XXXX XXXX statement regarding the market price on the day. 
https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They and their agent used a rate of 1.18, when the market rate was 1.24. 

It is obvious that National Bank of Arizona have not complied with their fiduciary duty to protect my best interests. They have not exercised reasonable skill and care, and there is no sign of honesty and fair dealings in their behavior. They have materially adversely affected my financial position. 

Should there be any doubt, I am happy to proceed in the court of public opinion.

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 2023-07-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidential reality under 15 USC 1681. 

LVNV FUNDING LLC : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make
any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer, to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
PayPal has debited 2000 from my account to buy bitcoin. Funds have been removed and are " available ''. When attempting to move them they say unexpected error. When I call them they say its for my security and they can not give me my money. They managed to take my money just fine but refuse to allow me to do it. They claim they are just a financial services company so they can keep my money with no recourse as long as they want and I can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: GA

Complaint narrative:
I dont like having to wait on hold so much for information my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Hyundai Motor Finance I am not more than 30 days late on my car note, This is the second time they have reporting a late payment when I was not yet late. Please stop doing that it is ruining my credit and causing me damages at a time when I am currently looking for housing. My credit score has been greatly affected by this false reporting. Please update account to paid as agreed until after I have been more than 30 days 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 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dont like having to wait on hold so much for information my credit!

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 2023-07-12 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: GA

Complaint narrative:
I dont like having to wait on hold so much for information my credit!

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