vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I made a purchase for {$430.00} for a XXXX on XX/XX/2022, I contacted the XXXX company in XX/XX/2022 and told them I wanted to return the XXXX and get my money back because the XXXX wasn't as described/advertised and it had malfunctioned. The XXXX company refused to provide a return address so I can return the XXXX and they didn't provide my refund. On XX/XX/2022 I spent {$520.00} on auto insurance in which I canceled the insurance by turning in my car plates, the insurance company didn't provide me with auto services so I contacted my bank to put in a dispute and my bank is refusing to provide provisional credit for both claims. I made the debit purchases with Bank of America both transactions were not wire transfers to another bank. On XX/XX/2022 the bank closed my account without notice and they put my claims on hold. I do not like this bank this is bank malpractice that they're committing because although I don't care about not doing business with Bank of America I do want my provisional credits and I doubt they will be in my favor regardless of any evidence I submit because they have a habit of committing business malpractice and consumer fraud. The provisional credit for both transactions is a total of {$960.00}. The Bank is violating banking regulations by not providing my provisional credit and retaliating against me for complaining about them and submitting claims by closing my account without notice and closing it without issuing provisional credits. They can close it at any time Im not dissatisfied with them closing my account however they are a bank service and bank services are not supposed to steal and close it while there are active claims, so I want my provisional credits. I also have a current remaining balance in my account and they haven't sent me a check for it. I have two more disputes of {$65.00} and {$27.00} I explained that I didn't receive services from the merchant for the {$65.00} and {$27.00} transaction I spoke with a representative on XX/XX/2022 around XXXX XXXX, and on XX/XX/2022 around XXXX XXXX I recorded my conversations/phone calls with bank of America 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 monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount Capital Group, Inc.
State: TX

Complaint narrative:
In XX/XX/2021, I received an Emergency Grant ( Covid19Grant ) from the government in the amount of {$240.00}. I directed that that grant be paid directly to Paramount Capital ( the student loan group through which I had my loan. ) The grant was paid out directly to Paramount Capital. They confirmed receipt of those funds. They applied those funds to my loan, but then proceeded to report to the Credit Reporting Agencies that I paid late in XX/XX/2021 and XX/XX/2021 ( even though the amount of the grant exceeded the amounts due for those months in total. ) Additionally, I made a payment in XXXX for the amount due that month, and I made a XXXX payment in XXXX to cover my amount due for XXXX. Paramount Capital did not apply the XXXX payment from XXXX to the amount due for XXXX. 

I have contacted Paramount Capital on numerous occasions ( at least five times ) to try to resolve the issue of them erroneously reporting me to the Credit Bureaus for late payment. They have refused to remove these late payment reports. This is adversely affecting my ability to obtain a VA Mortgage Loan, which I am entitled to for serving my country. 

I am reaching out to you for your assistance as they have been completely impossible to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
A loan was taken in the amount of {$3500.00} from a national payday loan company on or around XXXX with XXXX payments of {$380.00} and XXXX payment of {$380.00}. The payments have been taken out of the bank account automatically on the day the social security money hit the account which is every XXXX day of the month. The first payment was made on XXXX. XXXX payments have been made in the amount of {$380.00} through XX/XX/2022 totaling an amount of {$12000.00}. At the time of signing, the payday lender requested blind signatures on an electronic pad and did not offer copies of the 18-page contract that was signed. The debtor was XXXX  years of age when the contract was executed. A request was made to receive a copy of the original contract and it was provided on XX/XX/2022 in XXXX which is the debtor 's primary language. On XX/XX/2022 the bank was contacted to do a stop payment on the XX/XX/2022 payment. The reason why is that the debtor is currently XXXX and lives on social security and a small pension of {$570.00} and can no longer afford to continue to make these payments. Debtor feels that the payday lender took advantage of him. The payday lender was contacted on XXXX and XXXX. A supervisor made an offer in the amount of {$1200.00} to settle this account. This offer was rejected by the debtor. Debtor is applying to low-income housing facilitites and can not afford to have his credit ruined by a loan that was purposely made to defraud and to committ elderly abuse. The APR is set at 131.915 %, a number that was purposely concealed from the debtor by not providing copies of the 18-page loan document. Debtor has attempted to negotiate with payday lender but not amicable settlement has been reached. Debtor feels that paying interest is ok for borrowing money but not at the rate of 131.915 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In XXXX I purchased furniture from XXXX XXXX in XXXX, Tx. I started making payments in XXXX of 2022 to XXXX Bank, and I've made each one. When I started the process of buying a home, once my credit report was run it showed that I was XXXX payments behind on my XXXX XXXX payments. I went back to the store to find out what the problem was. A new store manager explained to that my account was split between XXXX creditors. XXXX Bank and TD XXXX, I was completely unaware that I was supposed to be making payments for XXXX account to XXXX separate creditors. My account was split between both to facilitate the sale and I had no clue. He apologized and gave me the number and advised me to call XXXX XXXX. I only received payment notifications from XXXX Bank, not XXXX XXXX. If I had known this, I would have been making my payments to both companies because I am able to do so. After speaking to the representative at TD XXXX  I was given my acct #, the past due, and the due dates. I explained to the rep and a XXXX what happened, and I will be taking care of the late payments tomorrow XX/XX/XXXX and making the regular payment on the XXXX. I asked once I make the past due how long will it take for them to remove the late payments from my credit report, because I essentially had no clue that they existed and was supposed to be paying them also, and it's making it more difficult for me to buy a home. I was told once they investigate and it's verified, I'm telling the truth, then they can see about removing the lates from my credit report. I do not think this is fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.

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 2022-06-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.

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 2022-06-09 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: GA

Complaint narrative:
There are individuals applying for credit under my name without my permission. I have filed numerous police reports. I have submitted information to creditors and credit bureaus and nothing has been 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 non-monetary relief
Consumer complaint received 2022-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/22 I filed a complaint ( XXXX ). During BofA 's review of my complaint, they called and left a message that was so garbled it could not be understood. I still have the recording. I could tell by caller ID that the call was from BofA, but if you call that number back it requires you to enter a valid 6 digit extension or it hangs up. There are no options for a directory or operator or any type of assistance. That's a convenient way to say they called and left a message, but that I didn't call back. Then my complaint closed with the message that I had been provided a response and " You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. ". I was NOT provided a response. I called the number listed many times to ask where the correspondence was sent ( email or postal mail ) and to request it be resent. The call always went immediately to voicemail, no matter what time I called. I left 4 messages ( and called many more times than that ). BofA is demonstrating the same ethics in managing the complaint as they did in the original issue that caused the complaint. Without a response- with with no willingness to respond, it shows they continue to they operate unethically and seek to hide their business practices.They would not respond to my complaint publicly, nor to me specifically. I still hold that they are guilty of my initial complaint, and absence a response, they demonstrate that guilt.

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 2022-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I've contacted portfolio recovery services and made them aware that these accounts were already deleted. I can't find the original documents that I've used to have these accounts deleted. I have proof via credit reports and screenshots that these accounts were agreed to be deleted by original creditor. They've been deleted and Portfolio Recovery are attempted to make fraudulent collections accounts on my credit report and I'm in the process of proceeding in a civil manner with my Attorney for violation of FCRA rules as well as my civil rights due to fraudulent collections and harassing letters. I don't have anymore collection accounts on my XXXX credit report. Portfolio has been deleted as supporting documents shows.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09 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: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There is a transaction on my credit card statement posted on XX/XX/2022 from XXXX & XXXX XXXX for the amount of {$1600.00}. I have returned this purchase and it was delivered back to the merchant on XX/XX/2022 ( XXXX tracking XXXX ), yet I have been unable to receive a refund from XXXX & XXXX XXXX. For this reason, I need this transaction disputed and {$1600.00} credited back to my BMO Harris credit card. I have tried to initiate the dispute online on BMO Harris banking portal but it seems to be impossible to do so. I have also tried calling XXXX to reach BMO Harris credit card dispute department, but it seems like I am being kept on hold forever and nobody ever picks up the call despite a long wait no matter what time of the day I'm calling.

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 2022-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX Account # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account # XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-09 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:
I had made multiples complained to during the past 3 years to XXXX, Transunion and XXXX about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. 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 non-monetary relief
Consumer complaint received 2022-06-09 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:
I had made multiples complained to during the past 3 years to XXXX, XXXX and Equifax about fraudulent accounts, inquiries and my personal information been incorrect. I keep getting information back about the accounts been verified. I asked for proof of validation along with proof of my signature in all those accounts and nothing has been provided. Investigation had taken over 60 to 90 days without a positive outcome despite sending all the police reports.Those accounts had been disputed over the years since my identity was stolen. Also my social security number and name has been change which has made difficult to get employment and credit due to all the mistakes on my credit reports with all 4 credit bureaus. Please get all the wrongful information deleted from my records. Thank you

Company response to consumer: Closed with explanation