vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a confusing situation that was created by Bank of America and needs to be resolved the Bank of America.

I have a credit card that I charge XXXX recurring bills a month. I mailed in my check for the XX/XX/XXXX statement for {$38.00} and thought nothing of it. When the XXXX statement arrived there was an unexplained credit in the amount of {$3400.00}. 

Not knowing what to do I called the bank on XX/XX/XXXX to report possible fraud. My son was on the phone call with me at the time. We were told that it was possible fraud and is called an unauthorized deposit, Apparently people steal the payment and make a deposit on a false check. The hope being that they can get a refund for the extra deposit. 
In the mean time we called our bank and were told that our {$38.00} check was never cashed. 
We were told to pay whatever statement that we had and we did that. In regards to the over deposit we were told to sit tight and that they would investigate. 

On XX/XX/XXXX we received two identical letters stating that a payment was applied to our credit card by mistake and that they had adjusted the balance. 

When the XXXX statement arrived it showed that the over deposit of {$3400.00} was removed twice and that we now owed {$3400.00} in addition to the {$38.00} monthly charges and a past month charge of {$38.00} and in addition a late fee of {$21.00}. 

We called Bank of America on XX/XX/XXXX and were on hold for over an hour as they tried to figure out how they messed this whole thing up. They still don't know what happened and have promised to fix it but it's still pending and we owe {$3400.00} of mystery money plus a late fee. 
The insult to injury was the fact that the customer service rep was adamant that we owe a late fee of {$21.00}. My son tried to explain that the missing check from the XXXX payment was related to the fact that we had a mystery credit applied. We were offended by the presumption that we never actually sent in a check and this was some sort of contrived plan to get out of paying a late fee. 

This error has caused great distress for me and my son and that is not even mentioning the lost time trying to fix an error that was no fault of our own. 

Please help resolve this fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022 XXXX XXXX Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dyck-O'Neal, Inc.
State: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: One Source Technology
State: FL

Complaint narrative:
The reporting company asurint used my criminal history over seven years ago and now I was disqualified from two job opportunities. I called the company and was told that since I live in Florida they can use any criminal history no matter how long ago it was according to your website anything over seven years can not be reported so I'm not sure if they are correct. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Big Picture Loans, LLC
State: OH

Complaint narrative:
I've asked Big Picture Loans to stop contacting me on XX/XX/2022. Not only have they continued to contact me, they are calling me at unusual hours as defined by the Fair Debt Collection Practices Act. 

Big Picture Loans has contacted me by phone call on XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST XX/XX/2022 at XXXXXXXX XXXX EST ; XX/XX/2022 at XXXXXXXX XXXX EST ; and again on XX/XX/2022 at XXXXXXXX XXXX EST, and identified the debt collector as Big Picture Loans. I believe there are more, but this is all that I have written down. I understand these calls are meant to intimidate and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to Experian, XXXX and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXXXXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Bank XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
According to the STIPULATED CONSENT JUDGMENT signed on XX/XX/XXXX under page 49 of Appendix A of the settlement qualifications I believe I am entitled to have my private loans discharged for predatory lending practices due to having a credit score below 640 at the time of origination. This is in reference to the Navient settlement vs various AGs ' please see below : SUPERIOR COURT OF ARIZONA IN XXXX XXXX STATE OF ARIZONA, ex rel. XXXX XXXX, Attorney General, Plaintiff, v.

NAVIENT CORPORATION, NAVIENT SOLUTIONS , LLC, PIONEER CREDIT RECOVERY , INC., and XXXX XXXX XXXX, " Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM Corporation lenders, subsidiaries, predecessors, successors, and/or affiliates after XXXX. 
Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. '' I have been attempting since XX/XX/XXXX to receive my credit score information from Navient with no success. I reached out via email on XX/XX/XXXX requesting the promissory notes and loan origination paperwork which I believed would have my credit score on it. 

After receiving a packet in the mail that did not have what I requested, I escalated my complaints via email dated XX/XX/XXXX and also XX/XX/XXXX. I also called into Navient in XXXX and the representative stated he would escalate the request. 

I called in again on XX/XX/XXXX and requested again the credit score report showing my credit scores from XXXX when these loans originated. I still have not received what I requested. I called in again today XX/XX/XXXX and the representative told me it was escalated last week but still had no resolution. 

I am looking for a copy of the credit score that Salliemae pulled on my behalf when these loans originated. My scores were below 640 as I had to have a cosigner on these loans. 

I have attached the copies of my emails and the lawsuit appendix A for review. I believe Navient is deliberately concealing this important credit score consumer information that applies to predatory borrower victims like myself who attended public college as a means to avoid further financial loss to those who do qualify in the terms of the settlement agreement.

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

Complaint narrative:
After DECADES of pristine credit history -- no late payments, paid off multiple student loans, mortgage, cars, etc with ZERO late payments, the following happened to me : My credit score suddenly dropped 179 points for no apparent reason. No dark web, no credit fraud, no wild spending. All three major credit reporting agencies told me that the problem is that... essentially I don't have any debt. I paid off my mortgage in XXXX, literally have no outstanding debt. ( Because I, well, don't believe in carrying debt unnecessarily. Go figure. ) Right now I have one open credit card with a {$10000.00} limit and a credit history of 17 years. NO late payments. Ever. My personal assets are significant. I dropped from 797 to 618 In response to XXXX 's suggestion, I tried to open three different credit cards on their website after being directed on their website to credit cards that were " matched '' to my situation. All three turned me down. Guess what? Three hard credit checks, dropped my score further. 

I have had a meeting with a vice president of consumer services at my credit union. All of the professionals I have consulted ( who have access to my credit history and my financial date ) are baffled. The only recourse ( I have been told ) is to open more credit. And I can't. Because more attempts to open credit are not guaranteed success, and this will further harm my history. This feels -- -like FRAUD. Under what circumstances is this a reasonable action to be taken against a consumer who is a near-ideal credit risk??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, XXXX, XXXX, FRAUD Departments I receive documents that XXXX sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a human being. I am a living human being. I have rights under 15 USC 1681. 

XXXX XXXX and Experian is govern by 15 USC 1681. And the fair credit reporting act. They have violated my rights numerous of times. I demand the following accounts be removed from my credit reports XXXX XXXXXXXX bank acct # XXXXXXXX XXXX XXXXXXXX bank acct # XXXXXXXX XXXX acct # XXXX THE FOLLOWING ADDRESSES NEED TO BE REMOVED ALSO XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX THE FOLLOWING PHONE NUMBERS NEED TO BE DELETED OF MY REPORTS TOO XXXX XXXX The following INQUIRIES need to be deleted off my credit reports too XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A . States I have the right to privacy 15 USC 1681 section 604 A section 2 : 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 non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX, Equifax XXXX XXXX reported a hard inquiry from Equifax XXXX on XX/XX/2021 that should not be on my credit. I did not give XXXX Bank authorization to run my credit a 2nd time for a home loan. XXXX Bank stated that the inquiry would be a soft inquiry because of a mistake made by XXXX Bank. 

A hard inquiry by XXXX Bank by Equifax XXXX made a mistake on XX/XX/2021 by submitting a hard inquiry using " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX '' XXXX Bank stated the error was theirs. Still, XXXX Bank allowed the double hard inquiry to stay on my credit report instead of removing it. I need the second inquiry removed from my credit report from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XXXX I have tried to stop Mr Cooper from listing a property that was foreclosed on XXXX years ago. Mr Cooper states that although I did not request a loan modification their system has a algorithm that will automatically request a loan modification even though I did not request XXXX. I am trying to support my XXXX children I am on full XXXX and this property has been purchased by another family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CO

Complaint narrative:
I have been on mortgage with PRMG ( PARAMOUNT RESIDENTIAL MORTGAGE GROUP , INC. ) Corporate office located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
I have not received any Tax document from them for past three years. 
I have tried numerous time to get it resolved. They have not able to give me access to my online account from the day I have been on their mortgage. No visibility on my account for all the payments I have been making. I have tried numerous times to send the statements they have not provided any to me till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
CitiBank XXXX XXXX Thank You Rewards Redemption ( cash back program ) On XX/XX/2022 I requested from Citi that my Thank you points ( {$320.00} ) be sent to me by check. Four weeks went by and I haven't received the check so I called XXXX asking about the check. They claimed to have sent the check. So I asked for the outstanding check to be canceled and have another check issued. They agreed. Another 4 weeks went by and I hadn't received the check. I called and was told that the check was returned! LOL I asked for the points ( {$320.00} ) to be returned to my account. On XX/XX/202 I received an email indicating that my points were returned to my account. Several days later, I then tried to redeem those points ( {$320.00} ) by having Citi deposit them to my checking account that they have on file. As of XX/XX/2022, my {$320.00} have not been deposited to my checking account. The points were returned and then deleted from my account. WHY? Are they trying to wear me out? Are they hoping I forget? They have a contracted obligation to honor my my Thank You points. Four months have passed since requesting payment of my Rewards Points!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: KY

Complaint narrative:
I have had 2 other complaints XXXX and XXXX regarding this issue, both closed by the CFPB when moneygram stated that the refund was available at XXXX. I returned again for the second time to XXXX XX/XX/2022 after receiving Moneygram 's promise once again that the funds would be there.

The transaction again failed with the " please inform the customer the transaction can not be completed '' page.

Once again, I beg the CFPB to demand Moneygram issue me a check to my address on file immediately. Moneygram is obviously incapable of conducting business and should have their license revoked for being either incompetent or an ongoing criminal enterprise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Section 611 ( a ) ( 1 ) ( A ) Account # XXXX ( XX/XX/2022 ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions I have recently been informed that there is negative information reported by [ XXXX XXXX # XXXX ] in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing [ Collection accounts- XXXX XXXX was put in chargedoff {$1100.00} ] in [ XX/XX/2022 ]. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with [ XXXX XXXX ] and provide me with copies of any documentation associated with this account, bearing my signature.

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

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat 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 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-29 00:00:00
Product: 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: AR

Complaint narrative:
I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, Equifax and XXXX upon my first complaint on this matter. 

I want the following fraud items REMOVED from my report : XXXX XXXX : XX/XX/XXXX XXXX/DOFED : ALL ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax violated my rights under the FCRA. 1681e ( a ) ( b ) - Accuracy of Report XXXX violated 15usc1681section 602A states i have the right to privacy and 15 U.S. Code 1681b ( a ) ( 2 ) I disputed this with Equifax on XX/XX/22 and they verified this as accurate.

Company response to consumer: Closed with explanation