vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$3200.00} and was paid via XXXX. XXXX transportation tried to make a false claim for {$3000.00} to get money back that he sent me and was denied because Bank of America was able to find that he authorized the XXXX  payment. Now in XXXX, XXXX Transports submitted another claim for {$3200.00} which resulted in a hold being placed on my account for the amount of {$3200.00} even though he was already denied in XXXX for authorizing the payment since they found proof that he received and authorized the verification codes sent to his phone to send me the {$3200.00} payment. I have received false information from numerous agents. One agent told me his claim was going to be denied and they were going to release the hold today ( XX/XX/XXXX ) only to see the hold posting on my account as ( XXXX XXXX XXXX XXXX XXXX ). The next agent stated that his claim was successful and the only thing I can do is take legal action, and the last agent I spoke to stated that even though the amount posted, it still is under review and will most likely get denied once they find out that he authorized the payment using verification codes sent to his phone. I don't know which agent is correct which is frustrating and since they already proved that he did authenticate the XXXX  payment in XXXX, I need Bank of America to release the hold on my account immediately! This is negligence on Bank of Americas part to let a fraudulent claim go through to put a hold on my account since he was already denied and sent verificaiton codes to his phone to pay me for the XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I paid off a debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of XXXX. I pay off later was emailed to me. I sent this pay off letter and removal request/dispute to Experian via certified letter. My request was denied, reporting as still active.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : 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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : 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 XXXXExperian 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the enclosed documents. I'm requesting that the bureau initiate an inquiry into these accounts, which I have never been behind on, yet they are erroneously reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This credit card is used strictly for balance transfers. I have never missed a payment or let a transfer amount lapse, so I never had to pay interest only the transfer fee. On XX/XX/XXXX, I had a promotional balance transfer expiring in the amount of {$2400.00}. On XX/XX/XXXX, I made a payment for {$2500.00} The credit card company applied the funds to another promotional amount due XXXX I requested a reversal of the funds. I was told the funds were mailed on XXXX instead of refunding via the original payment method. I never received the funds. I was told to wait 2 weeks before another check can be issued. I never received the funds, so after several attempts, I filed a fraud claim through my bank to get the money back. I then paid this same amount of {$2500.00} on XX/XX/XXXX to apply to the same expired transfer balance. Of course this was after the XXXX  due date. The credit card charged a late fee and since XXXX an interest charge. They claimed the {$2500.00} was not paid timely, so it's now treated as a revolving charge. I have paid, {$500.00} on XX/XX/XXXX, {$400.00} on XXXX {$400.00} on XX/XX/XXXX and they allocate the payments to a balance transfer due on XXXX This is to constantly charge me interest at 24.24 % on the " revolving credit " which is about XXXX XXXX  monthly. This balance has not decreased since. I have send emails since XXXX and call on numerous occasions. This defeats the purpose of a balance transfer. This is to keep me in debt by charging me unnecessary fees. This was their doing. I request management and was constantly told the system allocate the payments and they can not do anything about 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 2023-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX Re-aged account and reported wrong account begin dates on credit reports. LVNV FUNDING LLC changed the begin dates to well after they had already bought and acquired the debt. LVNV FUNDING LLC failed to send a copy of the original creditors contract and all pertaining documents when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Equifax : XXXX, XXXXXXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Equifax : XXXX has violated my rights. 

I have already disputed these accounts with the bureaus but they did not remove them, nor prove validation under Sec. 609 FCRA.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/1999, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

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 2023-11-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank sent me an email offer that advertised a XXXX XXXX on their signature savings account. I stupidly jumped on it. I changed my convenience savings account into a signature savings account. But after the transfer has been made they are saying that I get .05 % intrest and I will be charged {$15.00} fee monthly. I asked to put my account back to a convenience savings account. back to before. But they can not do that because those savings account no longer exists. It is a bait and switch. and what is the point of paying a monthly fee for XXXX intrest. I do not make alot of money. infact It has been a tough few years. Getting robbed by my bank is so incredibly frustrating it is hard to put in words. And why these actions by banks, airlines, landlords the list goes on, is allowed. I want my bank account back to what it was or I want a XXXX APY with no fees. on my money. My parents claim they got 10 % intrest on their savings account in the XXXX. I keep voting for a better world and easier one to have a family. I don't see it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
This account is a result of fraudulent activity. This account was excessively over charged overdraft fees and duplicate unauthorized transactions. The company is using a third party that I have no contract with to call me, send letters and add adverse information on my credit report. These companies together has caused me financial and emotional distress. This account has caused me to financially scared causing me to be denied credit and or charged higher interest rates with low tier creditors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MD

Complaint narrative:
Trouble with company responding and also processing items correctly and in timely matter. Been waiting hours for return calls and weeks for response to email correspondence. Company is incorrectly charging account and or updating process of documents and actions. No notification or correspondence is being given. 

No bill was ever recevied. Online had no updated payment date. Now account shows 'past due payment ' and due date back dated incorrectly to wrong day. Account is still not updated and SAVE application not processed. 

Hung up on during conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Transunion : XXXXXXXX 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, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. 

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

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XXXX, XXXX XXXX  Experian : XXXX, XXXXXXXX XXXX Experian : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I have already disputed these accounts but the bureaus did not remove them, nor prove validation. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This information on my credit files is inaccurate and does not belong to me. My personal information was in Transunion, XXXX, and XXXX data breach. My information has been sold to third party companies due to the lack of these companies to keep my information private and secure. I am now a victim of identity theft due to this data breach. i have been harassed and threaten by collection agencies. i am scared to answer my phone because they are telling me that they will come after me and i have no knowledge of these creditors that have obtained my personal information for these accounts. i also have over 100 inquires on my credit files. they are running my credit daily. i have asked for a block and freeze to be placed on my credit files. these companies have yet to do that. i have called each credit bureaus several times and i am being ignore. they have told me to contact the creditors and i have but this is not solving my issue. i am requesting that this accounts, inquires, and false personal information be removed from my personal credit file immediately. 

XXXX XXXX XXXX # XXXX {$430.00} XXXX # XXXX {$300.00} XXXX XXXX XXXX # XXXX {$430.00} XXXX XXXX XXXX # XXXX {$480.00} XXXX # XXXX {$220.00} XXXX XXXX # XXXX {$220.00} XXXX # XXXX {$430.00} XXXX XXXX # XXXX {$130.00} Under the FRCA laws these companies are in violation due to inaccurate reporting and selling my information to third parties. these companies is also reporting the same account under different creditor companies with different amounts, closing dates, account status, and date of last reporting. i would like these removed immediately for inaccuracies. 

also these companies are reporting a bankruptcy this over 10 years old on my credit files and it has reach its limit and i would like it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am being charged interest rate on purchases despite paying off my credit card on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hi there is a issue.I paid the XXXX but was approved by XXXX scared water would be shut off.can you refund me the one I sent so the XXXX XXXX approved me of can be added to account? I also was able to get a check number for the XXXX so it would be over XXXXSo if you could return my payment to me the visa card XXXX or reject it with the payment from pnc XXXX XXXX office paid the XXXX. XXXX is a program that helplimited income people.It was a crisis grant.They paid the balance for XXXX also sent a payment.The city claims no we will not issue my XXXX because we don't issue refunds even if it is over paid.That would become XXXX paid XXXX they refuse to issue a refund.I am limited income and can use that for my electric and gas bill.So to force me to be with out my money is not right.The government paid the balance.Also they claim my highmark insurance issued a XXXX check.They stated they never got it.But it was also cashed and never put on my account.I have tried to get my money XXXX the XXXX paying XXXX plus the XXXX from my insurance that leaves a balance of XXXX. In credits. Now keeping my XXXX The XXXX would make my balance XXXX that they are forcing to keep from XXXX get XXXX a month so I need my payment back.so I am asking for help to recover my XXXX payment. So they can't force keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I urge the bureau to commence an investigation into these accounts that incorrectly report me as late, despite my never missing a payment.

Company response to consumer: Closed with non-monetary relief