vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife and I opened a checking account at a local branch of Bank of America at XXXX XXXX  XXXX  XXXX, XXXX XXXX, CA XXXX with an initial deposit of {$100.00}. 
On XX/XX/XXXX, my wife 's brother sent a wire transfer ( gift ) of XXXX ( {$5800.00} USD ) to our Bank of America account from XXXX. 
On XX/XX/XXXX, we used {$5600.00} of the balance to make payments towards credit card accounts. 
On XX/XX/XXXX, a security hold was placed on the account by Bank of America, resulting in a subsequent overdraft of {$880000.00}. Upon notice of the " overdraft, '' I contacted Bank of America by phone at XXXX XXXX  and after speaking to XXXX, XXXX, and XXXX, was told that there was a " XXXX  hold '' that was to allow " the wire transfer funds to clear, '' and that the hold " should be lifted within 7 days. '' On XX/XX/XXXX, I called again ( XXXX XXXX ), and after speaking with XXXX, XXXX, and XXXX, was again informed that the hold was still pending. I was referred to the bank 's fraud department and multiple attempts to transfer my calls to the department were dropped and subsequent direct calls to the referred number XXXX XXXX XXXX XXXX, were also dropped. XXXX indicated that the bank had the right to hold funds they deemed " suspicious '' indefinitely and without explanation or notification of the account holders. 
As of XX/XX/XXXX, I am unable to resolve this issue with Bank of America or to access the funds in my account.

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 2021-02-01 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: LoanCare, LLC
State: CA

Complaint narrative:
I refinanced my home in XXXX. I have documentation from XXXX that my loan was paid in full and accepted on XX/XX/2020. Loan care which held my mortgage prior to the refinance sent a late payment notification to the credit bureaus dramatically effecting my credit score which prior to this had no negative marks. Please advise and assist. 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 2021-02-01 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: ERC
State: CA

Complaint narrative:
Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. 
The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. 

I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 and XX/XX/2020 I sent a the same letter twice to each bureau about inaccurate and unknown inquiries and other information on my credit report. It's been over 60 days and I have not heard back from anyone yet. I am suppose to receive some sort of response in 30 days after an investigation. I thought maybe the letter was lost in the mail so I sent it in again certified mail to make sure each company received my letter. I did my research and this is a violation of of FCRA, as a consumer I should not have to deal with this. I just found out my information has been impacted by the XXXX data breach and I am doing my best to remain calm in this situation and not stress about the unknown things on my credit report. Please act fast before this become a legal matter. 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 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
My original loan was with XXXX XXXXXXXX XXXX and was given to Dovenmuehle back in XX/XX/XXXX without notice. During the conversion. I was approved for a deferment from XXXX which they did not communicate to Dovenmuehle. Also I have been paying my own property taxes for over 10 years they did not inform Dovenmuehle this either. I received a letter from loss mitigation at Dovenmuehle about owing the money that was originally deferred through XXXX and I sent them paperwork confirming the deferment back in XXXX. I was told they will research it and follow up with me and I never received a call or letter. Also, I requested to have my property taxes removed back in the beginning of XXXX because I've always paid them. I even sent in proof of this for the last ten years. I was told I would get a letter with a determination of that, which I am still waiting on. I received a grant in XXXX of XXXX which they took and decided to apply it to the deferment without investing the issue, and now they will not remove the property taxes or even respond. They also stated in XXXX that my next payment will not be due until XX/XX/XXXX but I call and they state i owe a payment for XXXX of {$800.00} which i never received a letter for showing proof of that. Also, they are charging me {$500.00} dollars a month in my mortgage for property taxes, and my taxes only add up to about $ XXXX yearly. I've called multiple times and there has been no solution, just excuses and long wait times. I feel like this company is a rip off and if you check the reviews anywhere on this company, they are all negative and someone needs to look into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: ERC
State: OH

Complaint narrative:
Enhanced Recovery Original collector : XXXX Iv never had sprint as a cell phone carrier this needs to be removed Alleged amount owed : {$4500.00} XX/XX/XXXX as showed on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law.

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for..

Understand that by this law, Transunion is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer.

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 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a notice of assignment to collection agency from Professional Account Management , LLC for {$50.00}. This is for administrative fee assessed by the New Jersey XXXX XXXX. 
Due to COVID-19, the toll plazas were closed and signs on the highway instructing drivers that tolls will be sent by mail. I have received my toll bills in mid-XXXX XXXX ( on or around XX/XX/XXXX ). I paid my toll bill online and disputed the administrative fee through their website. 
I received an email receipt for the toll payment with a note that my dispute of the administrative fees ( {$100.00}, originally round trip ) will be reviewed and I will be notified. I have never heard back by email or otherwise from the New Jersey XXXX XXXX until the collection letter from XXXX, XXXX sent to me on XX/XX/XXXX. 

I have attempted to dispute the collection with XXXX to no avail, called multiple times and it was clear that they can not be reached by phone by design. I have tried to work through the XXXX  of XXXX to get their attention and have someone reached me by phone, and they were more interested in blaming me than honestly attempt to reach me. 

On XX/XX/XXXX, I sent them a letter to dispute the charges and try to find a solution and I have yet to hear from them. They denied receiving any communication from me even though I attached a copy of the letter I sent them, which does not give me confidence that they are dealing with me with honesty and fairness. I am disputing the {$50.00} charge because I was not at fault when the New Jersey XXXX XXXX fails to send me the toll bills on time. Ultimately, I paid my toll bills but I will not give them the pleasure of acquiescing to them trying to collect through a collection agency. I was never, ever received any mail from a collection agency because I pay my bills, and my excellent credit score proves it. I simply dont want XXXX to damage it.

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 2021-02-01 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: Elevate Recoveries, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I reached out to Elevate Recoveries XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX about 2 bills being reported on my credit report. I asked them to validate the debt the collected and they refused to do so. I was rudely spoken to as well as the phone hung up in my face once I ask for the debt to be violated. The services are listed as they were via my credit report : XX/XX/XXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX I would like the delinquent account that could not be proven as mine to be deleted from my credit report or else I'm filing a lawsuit for not only the 4th amendment violation, but reporting of unverifiable information being reported on my credit report. I am giving 30 days from today before I take action against them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
Williams and Fudge from phone number XXXX XXXX XXXX have tried to contact me on a recorded line. They would not initially disclose who they were and have still not disclosed what they are looking for from me. I have no debts currently. I suspect that this is some kind of fraudulent attempt at stealing from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I have received a notice from a collection agency that I owe {$800.00} for delinquent payment to XXXX XXXX XXXX. I called the number to talk to someone and told the person I never had an account in my name ever in my life. He asked if I had ever lived at another address and I told him I had lived at this address for the past 20 years. He gave me instruction to send proof that I lived at this address for years and I will go to the post office and I hope that will help. I also called XXXX XXXX and explained the situation and was told that they would enter the case as fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: Avant Credit Corporation
State: NJ

Complaint narrative:
Avant LLC is reporting five ( 13 ) missed or late payments on my credit report ; XX/XX/XXXX - XX/XX/XXXX. I've disputed these late payments with Avant on multiple occasions including phone, email and certified mail. Avant has failed to respond to direct disputes and fell short of doing thorough investigations when asked to by the CRAs. Its completely unsatisfactory that these mid to large companies violate FCRA violations such as notices informing consumers they are reporting negative information -- every consumer does not review their credit monthly. In my case, I went nearly a year and half until I noticed the negative reporting by this time there has been instrumental damage to my credit worthiness. What is equally alarming, when the CRAs fail to conduct a independent investigations and the outcomes turn out to be " certified '' without surveilling the full scope. After disputing the reporting, there has been multiple times where Avant has not left a " dispute remark '' on my profile which I have attached documents validating this incompliance. I've exhausted all options at this point with both Avant and all three ( 3 ) CRAs to no available. 

Compliance violations 1. 623 ( 5 ) ( a ) -- Duty to Provide Notice of Delinquency of Accounts 2. 623 ( 7 ) ( a ) -- Notice to consumer require reporting Negative information 3. 623 ( 7 ) ( b ) -- Time of notice reporting Negative information 4. 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute to CRAs ( No remark on credit file ) 5. 12 CFR 1022.43 - Direct disputes Tracking numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2021-02-01 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: Hirshberg Acceptance Corporation
State: MI

Complaint narrative:
XXXX The company reported to my credit the same account at separate time with ( 2 ) separate amounts thats owed ( 1 ) amount stated XXXX and the 2nd amount stated XXXX ( for the same account ), It impacted my credit score lowering it dramatically in which case caused a loan I was applying for to be denied. Ive contacted the company explaining this issue only to be placed on hold and then hung up on. Ive recently reached out again in XX/XX/2021 and still havent had any luck.

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 2021-02-01 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Bank MasterCard This complaint is about an unresolved billing error with Comenity Bank. What happened was I cancelled an order for a king size bed from Wayfair. It cost {$1600.00}. Wayfair promised a refund when the bed was back in the warehouse. I never received it. It was tracked to a destination and then sent back to Wayfair warehouse between XX/XX/2020, and XX/XX/2020. It was list in transit, said Wayfair. My balance on Wayfair for the bed lost in transit stayed in my account while in the meantime Wayfair converts their accounts to Comenity Bank where my refund showed still as a balance owed on the conversion date of XX/XX/2020. I tried to resolve this matter with both companies to no avail. Many messages, phone calls, holding for hours, getting hung up on and disconnected, I experienced with frustration, anger, XXXX, XXXX, anguish, as I am told by Wayfair to take it up with Comenity and Comenity, not our problem. Talk to Wayfair. 
I had to make credit card payments to Comenity Mastercard on the bed I never received/supposed to be a refund. I incurred late charges before I even realized that Comenity Bank had issued me an unauthorized credit card from an unauthorized credit app. By the time I figured out what was going on, I had paid Comenity Bank MasterCard two payments to keep my account from becoming delinquent ( {$350.00} and {$200.00} ). I incurred several late fees ( {$40.00}, {$28.00}, {$40.00} ).

Neither company customer service representatives, supervisors, or managers ever took any action in my part except for one Wayfair customer service agent, who assisted me in contacting Comenity and opened a billing dispute for me at end of XXXX. To date I still have not received my refund owed XXXX fees paid or payments credited as this dispute rocks along for now 8 months. I contacted Comenity recently to inquire the status. I was told I would be receiving a refund for all my due money refund credited minus a miscellaneous debit for {$160.00} ( Im too tired to even try to figure that out. ) I was assured two weeks ago that I would be receiving a check for {$2200.00} to my home address. I have not to date received any check. I want my money back ASAP from these crooked financiers with faulty practices and money account procedures and policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NV

Complaint narrative:
Selene Finance doesn't provide me the access to all my statement not mailed out all the statements to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I signed up online for a credit monitoring service called XXXX, which at the time I did not know was Capital One. My credit score at the time, just a few months ago was XXXX. Capital One sent me an offer for a Capital One Quicksilver Card. The offer was the card, 1.5 % cash back on all purchases and if you spend {$500.00} in the first 90 days they would give you a {$150.00} credit. I thought this would be a great way to sav {$150.00} on my car insurance since I pay every 6 months, it reached {$500.00}, no problem. I charged a few things. Then paid it off. I currently have a high balance unrelated to this, I had medical issues and am still not allowed to work due to Covid-19 restrictions. In XXXX. I noticed that I had never received this credit. I called and was told someone in the rewards program would contact me. I received an email on XXXX XXXX, 2020 telling me they could not get into contact with me and to call a number to speak to them. Unfortunately, three days later, my father died of XXXX. My mother died when I was a child and my father was my only parent so, I have been very upset and did not call Capital One although I paid the bills and actually started a checking account with them. The checking account had a similar offer but it is not the focus of this complaint. Also, I am severing all business dealings with them, as they are utterly deceptive I have no reason to believe they will honor their business agreements. Anyway, I finally called them today and at first they told me they had no record of that promotion. While they were on the phone I found a website that listed all of their promotions for a few years and that one was on it. After being transferred around for over an hour they had a representative named XXXX, come back on the line to tell me that I did not qualify for the promotion and he was sorry. He also said the rewards department did not say why I did not qualify but they had the right to change the terms at will. That was the end of the phone call, he said there was no one else I could speak to but gave me the post office box number for their complaint department. A post office box, when they own buildings. This is a clear bait and switch and I've never had a worse experience with a financial institution. They are clearly set up to this to people.

Company response to consumer: Closed with explanation