vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I deposited a check for {$2200.00}. 
I correctly filled out my deposit slip. I have a copy of that slip. The money was supposed to be deposited into my personal account The bank teller at Bank of America XXXX. at XXXX XXXX XXXX, mistakenly deposited that check into a dormant joint account that I still have open with an ex-girlfriend. 

I did not notice the teller 's mistake until two weeks later and immediately went into the same branch to find out where my deposit went. 

BOA let me know they the {$2200.00} went into the other account. We pulled the deposit slip and they admitted fault. 

On XX/XX/23 a CREDIT ADJUSTMENT REQUEST was HONORED for the {$2200.00}. 
I thought that the situation was resolved. 

On XX/XX/23 thos same funds were deducted. 

After communication with the Branch manager at others at BOA, they have informed me that there is nothing that they can do.

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 2023-03-09 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:
Dear Equifax , Inc., I'm aware of your failure of the requirements imposed under the Fair Credit Reporting Act. As dated, XX/XX/2023. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX  ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with Portfolio ( Account Number : XXXX ), XXXXXXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX ( Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: CA

Complaint narrative:
I purchased my car through Audi Financial Services [ AFS ] at the end of my 36 month lease. I followed instructions as provided to me. I mailed a check for {$30000.00} which was cashed and posted to my account on XX/XX/XXXXXXXX. I also provided a {$15.00} check for overnight mail of my title. At the end of XXXX, I contacted a representative at AFS and she said she would mail me the proper paperwork to complete the transaction- the odometer reading with signatures. Although I had updated my mailing address with AFS, they sent it to the my old address- an address I had not lived at for over a year. I had been receiving monthly bills from AFS at my new address for over a year. They put the old address in the odometer paperwork so I then I had to request new paperwork because I was told DMV would not accept it with a new address written-in. In XX/XX/XXXXXXXX, AFS sent me new paperwork to my new address that was different and completely incorrect. I had to contact AFS and point out the err ; they agreed it was a mistake and sent me new paperwork. Once again, the new paperwork was wrong again. Finally, at the end of XXXX the proper paperwork was filed with the odometer reading. On XX/XX/XXXX, AFS told me it would be 2-3 weeks until I received my title in the mail. XXXX weeks passed and I did not receive the title. I contacted them again on XX/XX/XXXX to ask where my title was. They again told me that it would be ANOTHER 2-3 more weeks. I still don't have the title two weeks later. I paid for this car on XXXX XXXX, XXXX. I followed every instruction I was provided promptly and efficiently. As a consumer, this puts me in bad situation. I have spent tens of hours of my time trying to resolve mistakes made by AFS. I have waited months to receive a title I paid for three months ago. I will never do financing through AFS again. Terrible experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine.

The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics. 


Under the Electronic Fund Transfer Act ( EFTA ), financial institutions, including peer-to-peer payment apps like Cash App, are required to process electronic funds transfers promptly and to investigate and correct any errors that are reported by users. The law also sets out specific rules regarding the rights and responsibilities of consumers and financial institutions with regard to electronic funds transfers.

Specifically, the EFTA prohibits financial institutions from : Requiring users to establish an account with a particular institution as a condition of using an electronic funds transfer service. 
Discriminating against users on the basis of their age, race, gender, or other protected characteristics. 
Disclosing information about a user 's electronic funds transfer to anyone other than the user, the user 's financial institution, or other parties authorized by law. 
Illegally withholding funds from a user 's account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to XXXX XXXX at the instructions of the scammers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: T.S. Holdings
State: CO

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX, who owned XXXX XXXX. in CO, but has since sold. Refused to close out the apt . I left in XX/XX/2022. They did not meet me to close the apt or present a final bill. ( XXXX ). I emailed and phoned dozens of times & they never returned my calls. They ended up sending a balance of {$520.00} to XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX of course reported this to all three agencies & charged me a fee raising the amount {$560.00}. This should have never went to collections. I emailed my state attorney general about the real estate company. But, it was too late for the damage to my credit report. I paid XXXX XXXX, with the expectation that the information would be completely deleted from all three credit reports -- not just reported as paid, but they did not so, so I still have a delinquent mark on my record, which is completely not my fault! They lied and have only updated the record as paid. They refused to provide anything in writing either. I have a 3:34 recording attached -- both parties knew they were being recorded -- -stating this info would be fully deleted from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I contacted consumer in regards to my past due account amount on XX/XX/2023. The first agent that I spoke with informed me that the account had been transferred to a third party and provide third party contact information. I contacted the third party who than stated that my account was not visible in their system as of XX/XX/2023. I than processed to contact the consumer back and spoke with an agent by the name of XXXX  who stated that no settlement can be made on the account at this time. I asked to speak with a supervisor, XXXX  was the supervisor I spoke with on my account. I asked her about a settlement as well and she stated that no settlement could not be made on the account at this time. I asked her is their a reason stated in their system as to why no settlement can be accepted on the account, she was unable to find a reason. XXXX  placed a ticket to investigate the account more. The ticket # that was provided to me by XXXX  was XXXX. XXXX stated that a communication will be sent to me once the investigation has been completed. I am trying to get this account resolved and removed from my account. Please Inform with more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I have asked this company to send me the contract saying I still have a balance and they keep ignoring my request. It was just removed on my credit report last month and now its back on there again. Its so many things reporting inaccurately with this account reporting on my credit report and its hurting me from getting a new car because its showing up wrong on my credit report. I have asked them to show me where they are getting these balances from because this account was paid off and closed by the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
HELLO, MY NAME IS XXXX XXXXSMALL BUSINSS LOAN, HAS CALL ME.TODAY, SAID THAT I HAVE A ... LOAN.I KNOW ANYTHING ABOUT THIS.CAN YOU PLEASE HELP ME...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX  ( Account Number : XXXX ), XXXXXXXX XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX/XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXk XXXX XXXXXXXX XXXX and XXXX XXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the accounts listed on my credit report. Upon reviewing the report, I have found several errors and inaccuracies that require immediate attention. 

Firstly, I would like to dispute the late payment account listed under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I have not made any late payments on this account and request that this be rectified in your records. 

Secondly, the charge off accounts with XXXX ( Account Number : XXXX ), XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXX XXXX  ( Account Number : XXXX ), XXXX XXXX XXXXXXXX XXXX Account Number : XXXX ), XXXX XXXX  ( Account XXXX XXXX XXXX ), XXXX  XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), and XXXXXXXX XXXX XXXX ( Account Number : XXXX ) are inaccurate and need to be removed from my credit report as soon as possible. 

Furthermore, the collection accounts with XXXX XXXX XXXX ( Account Number : XXXX ), XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ), and XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ) are also incorrect and require immediate action. 

Moreover, I would like to bring to your attention that I have filed for bankruptcy ( case number : XXXX ) and would request that you update my records accordingly. The bankruptcy case number is XXXX and XXXX. 

Finally, I have noticed inquiries on my report from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX, which were not authorized by me. I request that these inquiries be removed from my credit report immediately. 

I believe that the above-mentioned errors on my credit report have caused considerable damage to my credit score, and I am requesting that they be corrected as soon as possible in accordance with the Fair Credit Reporting Act. Please confirm receipt of this letter and let me know when I can expect a response from you. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conns is reporting a charged off account on my reports that I have been disputing for a while now. 

I sent them a letter on XX/XX/2023 requesting validation of this debt and I have not heard anything back. 

Per the FCRA, the consumer reporting agencies have 30 days to complete their investigation in receipt of my dispute. It has been well past 30 days and have not received any type of communication back. 

How are they able to report this account on my credit reports as valid when they have not responded or provided any valid proof to me? 

I am requesting that this account is deleted from my reports as they are in violation of my rights as a consumer to have accurate and valid information on my credit reports and right to dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
victoria secrects late XXXX of XXXX {$35.00} XXXX XXXX XXXX XXXX XXXX late XX/XX/2022 {$41.00} 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER FURNISHED AN ACCOUNT WITHOUT MY CONSENT.

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 monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I closed on my PennyMac refinance loan XXXX XXXX, XXXX. Loan # XXXX However on or about XX/XX/XXXX, I began to get numerous phone calls from different mortgage companies asking me about my interest in refinancing my home. Of course, I was very surprise that they got my personal information and knew my intentions with PennyMac. Also the loan with PennyMac was about to close since all the paper work was completed. 
In my conversation with a few of these Mortgage Companies ' representatives, I was told that the credit companies sent out my information. I did call my PennyMac Loan officer who said the same. 
If the purpose of sending out my information to other Mortgage Companies was to generate competition and a fair playing field. This did not happen. My loan was near completion and to work with another company would be like starting all over, which would take additional weeks. 
In my conversation with a representative from XXXX XXXX Mortgage and verified by the papers I got from XXXX XXXX stated that a high credit score should generate lower interest rate. Also I was informed that PennyMac Retail renders higher cost and interest vs. Broker Division. My XXXX XXXX is in the XXXX 's and the interest on my loan is 6.5 %. 
It seems to me that I paid higher interest given my excellent credit rating. 
My reason for bringing this to your attention is to seek a redress of my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Attached is the Identity Theft Report by the FTC for the following unauthorized inquiries : 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

Company response to consumer: Closed with explanation