vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America informed me that my account was closed on XXXX XXXX due to suspicious incoming funds. I explained that those funds were sent from my business account in XXXX Bank. They asked me to make a bank-to-bank request to recall the XXXX funds back to my business account in XXXX Bank. I did what they told me and recalled the XXXX funds. However, XXXX recall request was declined by BofA, saying my BofA account was closed, so they could not refund the money ; the other request was put under review for 90 days. BofA even told me, " XXXX bank claimed fraud against you, so you should talk to them. '' I confirmed with XXXX Bank, and it was obviously not true, as I made the claims to recall the funds by myself following BofA 's instructions. 

The whole situation is so confusing. It has been almost 3 months since BofA closed my account, and I still haven't gotten my money back, which I desperately needed. BofA told me there is no limitation on how long they need for the investigation ; it could even take a year. I don't think it makes sense. They could claim any account suspicious and keep people 's money forever for " investigation. '' Please help to intervene. I just want to get over {$50000.00} in my BofA account back to me, preferably on a check. Thank you very much!

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I contacted each phone number on my credit report that was an issue asked them to remove the incorrect information and enquiries.

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 2023-12-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The information reported on my consumer report is not accurate, complete, true and accurate. Reporting such information is misleading and a direct violation under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I closed on my home that was in foreclosure for several years. I have asked for a full financial statement showing where the closing numbers came from. The case was closed before I could get the information from the servicing company or the bank. I believe I am entitled to a 1098 From for the IRS so I can write off the taxes and interest paid. Please send the form... You have stated on the attached statement showing that interest and taxes accrued right up until the day of closing. 
I have filed a complaint with the office of the Comptroller of the Currency. They basically told me to report it with the CFPB, so I am right back to where I started. My original case # was XXXX I have paid lates fees, legal fees, maintenance, realtor fees, Insurance payments twice. I even sent a statement with a due date before the date of the letter ( proof of intent to make me fail ). I have a right to be able to write off the interest and taxes paid. You and the Trustee should be claiming the profit with the IRS as income.

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 2023-12-05 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: Synovus Bank
State: NC

Complaint narrative:
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 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 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 XXXX XXXX XXXX XXXX  I have sent in FTC report, police report and have sent in proof of my information confirming that the alleged debt isn't mine nor did I give anyone authorization to use my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
I have unauthorized inquires on my equifax report. 


XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX Both inquires are not mine. Remove them immediately or XXXX have to contact my lawyer. Equifax was called they refused to provide proof after I requested removal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
I am in need of a complete record of my student loan payments. Per the Dept of Education website, this should be available through my current servicer Mohela ( " your current servicer has a complete record of your payment history, including payments you made to your previous servicer. '' ) After my request in XX/XX/XXXX, Mohela has only sent me payment records dating from XXXX. However, my first student loan went into repayment on XX/XX/XXXX. I am requesting ALL payments made since that date. When I requested this information again, in XXXX, Mohela AGAIN sent me record of payments starting in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, I've recently been aware of a remaining bill from XXXX  after checking my credit score and saw I had a collection. Almost a year ago, XX/XX/2023 I called finity letting them know my circumstances and that I'Il have to stop my service. The person I spoke to was able to waive the cancellation fee and told me my balance was clear, I would just have to return my equipment back. It took a little longer due to having to move but once I returned all my equipment, on XX/XX/2023 I called finity again where they verified what the workers at the XXXX  had communicated to me, which was my account was cleared but to hold onto my receipt in case of issues. Now almost a year later I'm getting billed from XXXX  of about {$120.00} I've tried to reach XXXX  countless times through their phone number where I never got ahold of a representative, I tried to use the call back feature but was unable to due to problems logging into my account and I even messaged them on XXXX because I heard we can reach a representative but again was no help. I finally located the headquarters number where I spoke to a representative letting them know I have no problem paying the bill I was just never notified, I wasn't called nor sent an email with these charges and due to moving never got a letter. The representative told me they will try to remove the collections, that they will send me an email but I never received an email and I called XXXX, XX/XX/2023. I received misinformation and was hit with a bill almost a year later with no notice. I would like this bill completed removed from my credit report and will happily pay it if a representative reaches out to me, which again they haven't.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have file several complaints with XXXX and Truist Bank concerning a credit card account I am no longer apart of. It is still showing on my credit report for XXXX. XXXX and XXXX has already cleared this dispute with my credit report. I have filed XXXX disputes with XXXX with the same results.

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 2023-12-05 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:
Within the last 90 days I've begin to monitor my credit report and noticed that Equifax has been inaccurately reporting my XXXX account on my credit profile. I contacted Equifax regarding inaccurate information. Equifax is in violation of 15 U.S.C. 1681 by continuing to report inaccurate information to my credit report affecting my credit worthiness. 

Equifax is reporting inaccurate Balances, High Credit Limits, Reporting Dates, Active Dates, and Payment Information. That's totaling XXXX errors. The inaccurate reporting is a clear violation of the FCRA, as it compromises the integrity and fairness of the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast to Coast Financial Solutions, Inc.
State: TX

Complaint narrative:
I was contacted about this debt when my credit report alerted me, on XX/XX/23. I filed a dispute with XXXX. After almost a month, today I was notified that the amount would remain. That THEY confirmed the amount was correct. They did not provide me with any other info. The company Coast to Coast Financial Solutions, placed an amount of {$340.00} for a company called XXXX XXXX XXXX XXXX. I have been in Texas for over 5 years, I stayed with my parents when I first for here and then got an apartment. i say that to say, they have no affiliation with Texas. I have never had a contract with this company. When i attempted to contact Coast to Coast through email and phone. No response in over a month. This account is not mine.

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 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pavilion Payments US BuyerCo, LLC
State: PA

Complaint narrative:
A betting site, known as XXXX, was trying to charge me a amount of XXXX dollars. I used the site once and not for that amount. Over the last month, They've been trying to charge my account for different amounts as well. My bank was notified of this. I've tried reaching out to the site without a response. I also received phone calls about this but they said it was for another site, the site known as XXXX. I believe this a scam or fraud. Yesterday, my bank was charged XXXX dollars from a unknown merchant, I talked with my bank and they removed the charge but I had to get a new card to protect my account. Today, XXXX of XXXX, I received a letter from a debt collection, known as XXXX payments, saying I owe them the money they have been trying to charge me as debt plus interest. It says to go to a website known as XXXX. This site looks sketchy and untrust worthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage is incorrectly reporting late payments. XX/XX/23 : Dispute reason : " nder 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late. '' XX/XX/23 : " Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please see attached screenshot of Loan paid off before XXXX with XXXX dollars due. Update Account to NEVER late. '' A letter was faxed to Carrington Mortgage on XX/XX/23. Showing over 10 errors in the account reporting. They did not fix any of them. I had to call for them to even respond to the request for fixing the account. I attached proof to Carrington Mortgage. No payment was ever 30 days past due. They CHANGED NOTHING. XX/XX/23 : Dispute reason : " XXXX - XXXX - Under 15 US Code 1692f ( 1 ). Unfair Practices- Please Delete Immediately '' Carrington mortgage just moved late payments around. They were never late. They were not 30 days past due date. I have tried disputing this with all bureaus. Please look at all letters sent to show the errors in the report. Please pay special attention to the letter sent DIRECTLY to Carrington Mortgage. This has prevented me from getting a mortgage. I sold my house with the intent to buy another one directly after, but they have caused financial harship. I have even started the process to try and file civil claims for FCRA violations. Please update to PAYS AS AGREED, NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have XXXX inquiries on my credit that I did not apply for anything with them and would like for them to be removed from my Equifax account the first XXXX is XXXX XXXX XXXX it was reported on my Equifax account on XX/XX/2023 and the second one is XXXX XXXX XXXX also reported on my account on XX/XX/2023 I would like both of these inquiries removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 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 an account without my written instructions 15 U.S.C 1666 B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: CA

Complaint narrative:
Upon reviewing on my credit from XXXX credit report I have notice multiple fraudulent accounts was open under my credentials and personal information that has resulted in identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
XXXX XXXX XXXX gave me a car loan through a car dealership. The loan was given to me and I signed the contract and drove off with the car. The bank called me XXXX weeks later stating they forgot to do the fraud alert verification with me. When they call however they give me a number to call to do the fraud alert verification yet the numbers they give you are fake ( travel agency number, XXXX number, but not XXXX XXXX  ). So they call me for the XXXX time today and they did not do the fraud alert verification again. They did not do this when I purchased the car and now they are refusing to do the alert. They call me but never intend to do the verification. They are intentionally delaying the process. They are discriminating and are becoming 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 2023-12-05 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
By the Fair Credit Reporting Act XXXX Account # 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 an 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 2023-12-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I like to file a dispute for fraudulent items liste on my credit report. I did not give permission for anyone to use my identity and I never signed up for these XXXX items. The items are as follows : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Also filing a dispute for inquiries that i never gave for permissible purposes. XXXX XXXX XXXX and XXXX XXXX TX. I have filed an Identity Theft Report with the FTC. The report number IS XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Transform Credit Inc.
State: GA

Complaint narrative:
Sometime in XXXX I completed a loan application with Transform credit. There was not an option for a " cosigner '' to input their information, they instead have to complete a separate application. Therefore there is no cosigner, this is misleading information. Secondly, they have a signed promissory note already but is withholding my funds. Third, they continue to draft my account despite XXXX not releasing the funds for the loan and me calling them and stating they did not have my permission to do that and I needed to be issued a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

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 non-monetary relief
Consumer complaint received 2023-12-05 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: EQUIFAX, INC.
State: GA

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. 

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 explanation