vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mother passed away on XXXX. She kept her assets in the XXXX XXXX XXXX. Since her passing, I am the sole trustee to her trust. In early XXXX I provided Bank of America with a copy of the trust certification, the EIN provided by the IRS, as well as my indentification in person. They declined to grant me access to the account until I completed their own paperwork.

A week later their paperwork came by mail. I returned to Bank of America to complete their paperwork at the direction of one of their employees so that it was filled out correctly. Several days later I received an email stating the documentation was incorrect ( with no explanation of what exactly was incorrect ). I returned to the bank to again fill out the paperwork with a Bank of America employee. 

Several days later I received notification that I had been approved as the trustee on the account. However, when I logged in, the account showed that all funds were blocked. Many calls and bank visits later, Bank of America lifted the block and I could see the balance of the account - approx. $ XXXX. However, I was unable to access the funds. I again called in and was told I would need to return to a branch in person to access the funds. 

I returned to a physical branch and was told I would need to return another day because they could not reach the Estate Case Manager. I returned yet again the following day. After waiting on hold with their Estate Case Manager for over an hour, I was told that the block on the funds would be lifted in four business days.

At this point, I had grown quite tired of jumping through hoops for Bank of America and asked that they issue a cashier 's check to me for the funds and provided them with two forms of ID. They declined to allow me access to the funds yet again, stating that I would need to wait another four business days before I could access the funds.

All total I have visited their physical locations six times and spent hours of time on the phone trying to access money that I am legally entitled to. This process seems to have no end, and I believe they do not intend to ever release the funds to me. What Bank of America is doing is just plain wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 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: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-10-24 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: OH

Complaint narrative:
The Credit reporting Bureaus are reporting inaccurate information on my credit report. Please reinvestigate this information on my 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 2024-10-24 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: OH

Complaint narrative:
The Credit reporting Bureaus are reporting inaccurate information on my credit report. Please reinvestigate this information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
XXXX Sear, Dear Sir/ Madam, I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt referenced under account number # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purposes expressly allowed by law ( such as notification of legal actions or final settlement ), will be considered a violation of federal law, and I will take all necessary legal action to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX  The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.

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 2024-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/year> The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/year> The following inquiry was not authorized and should not be reporting.

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 2024-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I have had the same home owners insurance since the purchase of my home in XXXX My insurance is escrowed and payed by Mr Cooper, my mortgage company. Unbeknownst to me, my ( ex ) insurance provider was sent the bill in XXXX, never responded and the policy was canceled. I knew nothing of this. Yesterday, i stumbled across a 2nd notice from them in my email saying my insurance was expired and i needed to find a policy. I went back to look for the first notice and they told me it was canceled around XX/XX/XXXX the first time. I missed that notice. However, it was canceled in XXXX so by time i found out yesterday it had lapsed 2 whole months!! They have billed me and collected my money for the policy as part of my mortgage and are responsible to pay the insurance from there but chose not to. Now i lost a good policy and have to pay almost {$200.00} dollars more costs of living due to their failure to pay, as new policy is much higher. On top of that, I could have gotten a 30 percent discount with my car insurers on home owners insurance as a bundle discount with my cars ( on top of being a diamond member with XXXX, but they are refusing me home owners insurance at any rate because it is company policy that they will not cover if there is a lapse in coverage. Now, not only have i missed out on my previous affordable policy, but i've missed out on the chance to get a huge discount on a new policy with XXXX and it's all because Mr. Cooper just never disbursed my payment when XXXX XXXX XXXX ( old insurer ) sent them the bill as they do every year. Now is not the time to increase bills in this economy ... and so suddenly and drastically. Unfair. I feel cheated and distressed. There's no way to get my old policy back... it's too late. There's literally no way to get a live person on their phone. No explanation, no apology ... no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 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:
XXXX XXXX, XXXX, XX/XX/XXXXXXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. This account have resulted in several fraudulent hard inquiries and fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifax is not straightening up my credit report for lenders to be able to pull my credit. They keep telling me that everything is right on my report, but it cant be because no lenders can pull my credit and Ive called Equifax for the last six months still no nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I found several incorrect accounts added without consent to my credit report. Please block and remove them at once.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have 7 credit card accounts with AMEX. Over a period of 7-8 years, I have maintained a flawless credit history. In XXXX, AMEX started dropping on of my credit limits down by 90-95 % of my original limits. When I called to asked them about it, they claimed it was because of the information in my credit files. When I asked how did you get information from my credit file when I did not apply for credit, and how would you access my credit information when I have my account of a " Locked Status '' - They said they can occasionally peer into a person 's credit report for review or extension or reduction in credit. I informed them that they don't and didn't have a right to just arbitrarily gain access to my credit history without my permission to request or be granted access without my knowledge. That's why it's call a " Credit Lock '' - or else what is the purpose of that feature if others can access it without my knowledge? 
They continued to state that they can access anyone 's credit report for an extension or denial of credit. I informed them, that they were wrong. This is my credit history with my personal and private identifying information that I would have to grant you access to it, which keeps organizations like you, or scammers from accessing personal and private information. 
So, I told them based on my stellar payment history with them, and no late payments with or any other credit grantor, that no none else has taken " Adverse Action '' against me for having a stellar payment history. They couldn't justify why, and kept trying to convince me that somehow they can look into my " Locked '' credit information without my permission to see if they wanted grant or deny me for an extension of credit. They still insisted that somehow they can access my information. Then, what is the purpose of me " Locking '' my private information if anyone like you can just willy-nilly have unchecked access to it. 
They have used whatever false information to XXXX to gain permission without my consent in order to get the information they told me they were granted by XXXX to lower the limits on all 7 of my credit card accounts, that had a Zero Balance and a remarkable credit history. AMEX has illegally found a was to either use my information or by some other means have XXXX to grant them access without my consent. Something needs to be done about this ...! If they are doing it to me, they are doing it to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I called in and spoke with investment advisor XXXX XXXX to discuss options for moving money from a CD that was maturing at another financial institution. XXXX persuaded me to move the money to Merrill Lynch by offering me a {$1000.00} bonus offer for money transferred from outside ( new money ). When I asked XXXX if I would be able to make withdrawals during the 90-day period in which the new money was required to stay in the account to be eligible for the {$1000.00} bonus offer, XXXX stated that as long as my balance did not dip below a certain amount that I would be eligible. At the end of the 90-day period, when the bonus offer was not paid, I attempted to reach XXXX several times on XX/XX/year>. Being unable to reach him, another investment advisor informed me that the bonus offer would not be paid because I made withdrawals during the period. This contradicted what XXXX had promised me on XX/XX/year> when I addressed this upfront in an attempt to avoid a disagreement later. Merrill Lynch is defending XXXX XXXX and being dishonest about what was clearly discussed on a recorded phone call on XX/XX/year>. Their position now is that the {$1000.00} bonus will not be paid.

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 2024-10-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Westcreek Financial
State: CO

Complaint narrative:
In XXXX of XXXX, I purchased a television from XXXX XXXX furniture in XXXXXXXX XXXX The store is headquartered in XXXX XXXX XXXXXXXX XXXX. I have purchased many items from XXXX XXXX in the past starting in the XXXX 's. My parents purchased from them starting in the late XXXX 's. I have always used the stores XXXX days same as cash to great affect because I like the idea of buying something at no interest using someone else 's money. I always pay it off before the XXXX days and it allows me the opportunity to buy something on the spur of the moment that may be on sale. 
Upon signing the document, I informed the company that I would be paying off the balance before the XXXX days. I paid the balance in XXXX days of approximately {$2400.00} only to be told by XXXX, ( XXXX XXXX XXXX XXXX ), that because I had missed a payment I now owe them an additional {$2400.00}. I have tried repeatedly to speak to a Supervisor from XXXX only to be told that they are busy and will return my call within a couple of days to resolve the issue. I am attaching a copy of the form letter that I have received on XXXX  occasions. I don't think that there is any " Supervisor '' and that the job of the frontline people is to try to stymie and get as much money as possible. 
I have tried to resolve this issue and am more frustrated now because they have reported me to a credit agency which has dropped my XXXX score by XXXX points. I have reported them to the Attorney Generals Office of the State of XXXX since that is where the store is located and they sent me a letter indicating that I should try the XXXX Attorney Generals Office since that is where the company XXXX is. I have also complained to the BBB of XXXX since that is the state that XXXX is registered in. There are many hundreds of complaints on that website of the company and all of them are resolved by the company with the same form letter which asks them to reach out to them. 
It seems obvious that this company is in the business of extorting customers of their cash while providing no solutions. 

PLEASE HELP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Called ALLY BANK TODAY, XXXX XX/XX/year>. Was unable to access my account. I was informed that this cd account of {$70000.00} was closed in XXXX. You can imagine my surprise since I never received a letter or email notification of account closing. The Ally rep could not provide the above requests immediately however she stated they would send this requested documentation to my email.

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