vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XXXX  XXXX  XXXX XXXX I noticed I was unable to access my Bank of America on-line banking. I made countless attempts to contact various departments at Bank of America and each time was either placed on a excessively long hold loop which finally resulted in a message stating said department was not open or simply kept me on hold. I spent XXXX HOURS on XXXX  XXXX XXXX attempting to resolve this matter unsuccessfully with the Fraud Department who said there was no issue they can see with my on line access. 

This morning, XXXX  XXXX XX/XX/2022, I have again attempted to resolve this and have spend an additional XXXX minutes listening to people " apologize for the inconvenience '' and then transfer me from one department to another, all with " higher than normal wait times '' resulting in my being placed on excessively long hold periods. 

I remain unable to access my on-line banking, investments or any financial management programs. The only rationale explanation is incompetence or a desire to sequester my funds without my permission to utilize them for unauthorized purposes.

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 2022-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXXXXXX XXXX XXXX I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF EDXXXX, US DEPT . OF EDUCATIO, and USDOEXXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. 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 non-monetary relief
Consumer complaint received 2022-11-14 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company GREAT  LAKES. Pursuant to XXXX XXXX ( XXXX ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party security markets to profit. This XXXX XXXX debt collector left a receipt of this inquiry ( GREAT LAKES ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this student loan from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX OF XXXX, and XXXX from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I don't know why this is showing on my credit report. I have no knowledge of this collection.

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 2022-11-14 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have unexpected charges on my credit card and is repeated every months same amounts but from different name of merchant first charge was made by XX/XX/XXXX for XXXX by XXXX XXXX second charge was made XX/XX/XXXX for XXXX by XXXX third charge was made XX/XX/XXXX for XXXX by XXXX XXXX i was try contact to each merchant according info showing on my statement but no luck to contact and find out why/for what I get charged from my credit card.

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 2022-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
XX/XX/XXXX denied for XXXX XXXX XXXX XXXX XXXX XXXX ) because I did not have the " right kind of loans '' Received a letter XXXX XXXX stating I should resubmit application because requirements changed XX/XX/XXXX sent in current application for XXXX and was also encouraged to consolidate with MOHELA Both application and consolidation was done and processed in XXXX Checked Mohela 's website at the end of XXXX. It showed XXXX of XXXX payments qualified but the others had not. No change in XXXX of beginning of XXXX. Then mid XXXX I received a letter from them stating I was not approved for the XXXX because of employment and payments. I applied for a reconsideration with them and resubmitted forms showing my employment and payments. They sent back an email stating my employer was a qualified employer and I should call to look into this. When calling you can not get in touch with anyone and lately it says the call volume is too high to be accepting calls and just hangs up. 
I have taught in a low income parish and have had the same employer for over XXXX years and paid my XXXX plus payments to the same lender so I do not understand why it would say XXXX payment qualifies and the others do not especially after getting confirmation from the reconsideration committee that mine should go through and be approved for forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am a long time Union Bank customer for my personal banking and home mortgage. Responding to a promotion for a Union Bank credit card I applied and was given a card in XXXX that I used for 3 years. I paid that card off on XX/XX/XXXX but ended up with a XXXX XXXX of {$4200.00} because of a cancelled vacation. I requested the balance be deposited into my bank account on XX/XX/XXXX. I was told they only issues checks for over payments unlike every other credit card company I have ever used ( XXXX XXXX, XXXX, XXXX, XXXX ). A check was apparently sent on XX/XX/XXXX. I called on XX/XX/XXXX because I had not received the check after the allocated XXXX business days. I was told to wait. I called again on XX/XX/XXXX and was told they would send a " ticket '' to have an expedited check rushed and it would arrive in XXXX business days. I called on XX/XX/XXXX because I still had not received a check and spoke to a supervisor who said he couldn't do anything more than what the prior rep had done and send a ticket requesting a new check. He said they don't send anything rush. I still have not received a check. I called today and the rep said a check was sent on XX/XX/XXXX and should arrive in XXXX business days. That would be over a week from my talking with the supervisor and two weeks after I spoke to the rep who said they would rush a new check to me. Not to mention 7 weeks since I first requested the check. 
It is fraudulent for a bank to not return money due to me. There is no tracking, no direct deposit and no service to rush the payment. My impression is that Union Bank is holding on to my money for their own profit and disregarding my request to return it. This is theft. 
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 explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO

Complaint narrative:
My lender, XXXX, has not paid property taxes for my home. As a result, a XXXX has been placed on the property and goes to auction this Wednesday. 

I've communicated with my lender who claims that payments were sent, however the county treasurer notes no payments have been made. I've reached out to my lender several times and have not recieved any updates on the status of taxes. As of this morning ( XX/XX/14 ), the county treasurer still has my taxes as unpaid. Seeing as the XXXX goes to auction this Wednesday, it is likely I will need to pay taxes out of pocket. 

I am writing this to make other lenders aware of XXXX 's lack of follow-through and communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Greetings, PLEASE REMOVE ANY ACTIVE FRAUD ALERTS, EXTENDED FRAUD ALERTS, PROMOTIONAL BLOCKS, OR ANY OTHER NOTATIONS OR PERSONAL STATEMENTS THAT I, THE CONSUMER, DID NOT REQUEST IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. ENCLOSED WITH THIS LETTER ARE DOCUMENTS THAT VERIFY MY IDENTITY. I EXPECT THESE ALERTS TO BE REMOVED WHEN THIS LETTER HAS BEEN RECEIVED. PLEASE NOTE THIS LETTER WILL BE SENT VIA CERTIFIED MAIL FOR TRACKING PURPOSES. I APPRECIATE YOUR DUE DILIGENCE IN REMOVING THE EXTENDED FRAUD ALERT, INITIAL FRAUD ALERT, OR ANY OTHER ALERTS, PERSONAL STATEMENTS, OR BLOCKS. 

With Kind Regard, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( No signature provided to avoid duplication ) ENCLOSED WITH THIS LETTER : Identification Social Security Card Utility Bill

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 2022-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts in my report that should not be reported. They are not familiar with me and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
U S code 15 act 1681 XXXX XXXX account was placed with a collection agency but XXXX XXXX still appears 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 2022-11-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT On XXXX of 2022 I looked through my consumer report and noticed an alleged debt by the company XXXX XXXX. Pursuant to 15usc 1692a ( 5 ) the term debt means any obligation or alleged obligation of a consumer to pay money out of a transaction in which the money, property, insurance or services You can not obligate me to pay something that I am not the owner of. You have asked me to show proof that I am not the owner of the debt, but I can say this organization does not have proof that I am the owner of this debt. The proof of the person or organization that has ownership of this debt is the owner of the instrument of indebtedness, which is the contract with the consumers signature of his name. If you can not provide this contract, then I am not the owner of this debt. The organization who has this contract is now the debtor. The reason I asked for my signature is because this organization used my signature as a form of transaction to sell to other third-party XXXX XXXX to profit. This 3rd party debt collector left a receipt of this inquiry ( XXXX XXXX ) on my consumer report to destroy my credit. So, therefore, I am not the owner of this debt. If you can not send me the contract, then by law you have to remove this XXXX XXXX from my consumer report. Do not send me a bill, I am asking for a contract of this debt with my signature. Again, do not send me a bill. Please remove US DEPT OF ED/XXXX, US DEPT . OF EDUCATIO, and USDOE/XXXX  from my consumer report. Failure to comply would leave me no choice but to take legal action against this consumer reporting agency. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
We were subject of a fraud enacted by an account holder at the below bank Chase Bank, XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XXXX XXXXXXXX Sort Code XXXX The account holder hacked the e-mail address of one of our vendors and advised us that they had changed their bank account and fraudulently asked us to settle 2 amounts as follows XX/XX/XXXX {$360.00} XX/XX/XXXX {$2100.00} We wrote to Chase bank on XX/XX/XXXX and tried reaching the manager by phone since but they do not return our letter or phone calls. We need to know the fraudulent account details such as name and address so we can file a police report and reclaim or lost funds. We also request refund of this money from Chase Bank for allowing a fraudulent account to be opened by their account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LendingUSA
State: IL

Complaint narrative:
My husband and I went to get a puppy to XXXX XXXXXXXX, we got pre approved through a lender called LENDING USA. They had stated I was approved for XXXX dollars loan upon checking and verifying my ID. Which they did. We chose the puppy, got attached to it the minute we saw her, they took our down payment and they denied us after taking the money, stating my XXXX was not valid because they needed me to be a citizen or a XXXX This act of discrimination is not ok

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 2022-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Account/Card for debit and ATM has been suspended due to potential fraud. The bank gives XXXX avenue for clearing the suspended status, by calling a specific number. This number is not working, and hangs up after about XXXX XXXX of hold time, consistently. Other efforts to talk with the bank results in getting directed to the number that is not working. I am effectively unable to access my money, and my account will stay suspended until a fix is implemented. The bank refuses to provide other options for remediation. This will impact my life, as I can not access my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
I've completed a Private Administrative Procedure/Dispute, Affidavits, Notices and Defaults all that where mailed to the corporate office and received on XX/XX/XXXX & XX/XX/XXXX, addressed to CEO XXXX XXXX XXXX his CFO XXXX XXXX XXXX REQUEST FOR VERIFICATION & VALIDATION OF MORTAGE DEBT AFFIDAVIT & ALL DOCUMENTS SECURITIZATIONS & INSTRUMENTS FOR MORTAGE AGREEMENT. Also Informing them about the fraud that was found, within and throughout their mortgage process. None of my affidavits or notices where answered, also the request for the refunds of all payment including the fees for a copyright violation that they keep on violating so for in an excess of XXXX XXXX Dollars ( {>= $1,000,000} ), wherein Defendants have failed to respond said completed Private Administrative Procedure and thus have acquiesed to the commission of all offenses listed below as well as those in the Private Administration Procedure /Dispute. M & T Bank is in violation of 18 U.S. Code 241 Conspiracy Against Rights 18 U.S. Code 242 Depreviation of Rights Under Color of Law 18 U.S. Code 1349 Attempt and conspiracy 18 U.S. Code 1028A Aggravated Identity Theft 18 U.S. Code 1344 Bank Fraud 18 U.S. Code 1341 Frauds and Swindles 18 U.S. Code 63 Mail fraud and other offenses 18 U.S. Code 1951 Interference with commerce by threats or violence 18 U.S. Code 1343 Fraud by wire, radio, or television

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion got me messed up. I filed a copmplaint back on XX/XX/22 and they have not fixed the issue yet. There are hard unquiries on my file that were not authorized by me and an Identity Theft report has been filed which they ignored. My previous complaint was XXXX. They responded with a opt-out extended date reply which had nothing to do with why I contacted them. They are past the 30 day limit and keep just sending any response so the CFPB will close the account. According to Federal law the time frame has been passewd and the inquires need to be removed from my credit file. Hard inquires from INQUIRIES FROM - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that are on my credit file that I did not authorize. I have filed an Identity Theft Report. REMOVE IMMEDIATELY OR LITIGATION WILL BEGIN.

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