vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had unauthorized amounts of money taken from account starting the whole year of XXXX from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I filed claims for all of these transactions totally over {$30000.00}. Im finally getting these claims resolved after XXXX year. In the interim of all of this Ive developed XXXX XXXX, which has enabled me to work to my normal capacity. Not having this money in my account has caused me to almost lose my place to live. My credit card payments were in default, I got behind on my car payments which caused my vehicle to be repossessed on XX/XX/XXXX. I spent endless days contacting Bank of America about clearing this all up, the claims would be denied for payment. Until I continued to submit additional faxes supporting my claims. I spent over {$60.00} just in faxing the documents. Along with all of this my credit scores that were XXXX and XXXX have been lowered to XXXX, XXXX and XXXX. Im broken I cant even get a new vehicle without thousands of dollars and a high interest rate. Ive had to pay {$1800.00} in late fees, and eviction filing fees, for getting behind on my rent. I now have a {$57000.00} debt on my credit report for my vehicle being repossessed. I exhausted my other accounts that I had at other financial institutions trying to stay afloat. Ive been reported to XXXX by BOFA which makes it hard for me to get additional accounts elsewhere. BOFA had no sense of urgency for the fraud that occurred in my account. I lost out completely and taking a total of XXXX  months to handle this have been overwhelming. BOFA wasnt concerned about me as a consumer and they closed my accounts on XX/XX/XXXX with all of these claims still open. Im pleading for BOFA to compensate me for all of the devastation this has caused me financially, and the time I spent tirelessly on the phone with them. All I got was Im sorry, I understand but no quick resolutions. I worked hard to purchase a brand new XXXX XXXX XXXX for it to be taken from me because I couldnt pay my car payment because all of this missing money from my account. My bank statements from BOFA shows that I paid all of my bills on time. With this deficit wasnt able to. Also when my vehicle was repossessed my expensive handbag, wallet etc was in the vehicle because I was on my way to a doctors appt. I went in the house to get something that I had forgotten and came back out and the vehicle was gone. During the storage of the repossessed vehicle it was compromised and the battery was taken from the vehicle because I was getting emails and text notifications from XXXX XXXX that it had been. Again all could have been avoided had BOFA paid the claims in a timely manner.

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 2023-12-08 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: AZ

Complaint narrative:
Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXXXX/XX/XXXX : Account number : XXXX, -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX : Account number : XXXX -. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! 



Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Avant Holding Company, Inc.
State: MO

Complaint narrative:
I signed up for the avant credit card via XXXX recommendation based solely on the advertisement of 6 months of on time payment history and you would get a credit line increase. I signed up in XXXX and have made more than one payment every month since, all on time and more than minimum. I then requested a credit line increase and was denied. I called to complain they said they took note and did not honor the advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: AZ

Complaint narrative:
Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : U.S. Bankruptcy Court : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX  : Account number : XXXX, Account status is misleading : showing different per bureau. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB.

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB

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 2023-12-08 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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-08 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: OH

Complaint narrative:
I filled a dispute with TransUnion about the XXXX XXXX XXXX XXXX account reporting on my report. This account shouldn't be reporting on my credit report due to the fact that it is a civil judgment. As per the consumer law no civil judgment information should be reporting on any credit bureau. I have sent the court documentation from the case with XXXX XXXX XXXX and the account is still reporting on my report. I have spoke with supervisors requesting that this account be removed due to the fact that it should not be reporting, I was told that I had to go through the 30-day dispute process even though this should not be reporting at all. Transunion is violating the consumer law by keeping the XXXX XXXX account on my report after I have provided the necessary documents to have this 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 2023-12-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I booked a vehicle rental through XXXX paying {$1000.00}. On XX/XX/ I went in to get the vehicle and had a deposit snag at XXXX because my license had the incorrect number on it from XXXXXXXX XXXX XXXX ( I submitted a picture of my ID to XXXXXXXX XXXX XXXX  ). A XXXX associate had to put the correct License number in the database at the time I was checking out. XXXX had previous information that was still not updated or correct, so I was on their " XXXXXXXX XXXX XXXXXXXX XXXX '' list. This now was put in the XXXX system during my checkout. I was told to call XXXX up at the desk to sort out the situation. I spent a good amount of time that day on the phone with XXXX and reaching out to XXXX XXXX. When the refund was denied I told my Bank ( Bank of the West ) what happened. Then XXXX XXXX from Bank of the West reached out to me and asked about my situation. After I sent him the information an Adjustment Credit of {$1000.00} was added on about the XXXX of XXXX XXXX  The Investigation was started on the XXXX of XXXX. On the 96 day after, XX/XX/ BMO Did a provisional credit labeled as XXXX Liable Debit Transaction to my account of - {$1000.00}.

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 2023-12-08 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: EdFinancial Services
State: MI

Complaint narrative:
EdFinancial student loan servicer is terrible and are mishandling my money. I had a {$200.00} payment made on my behalf by my employer to EdFinancial on XX/XX/2023. The payment was only applied to the highest interest loan rather than applied to the monthly payment even though the payment was made after the billing statement was issued on XX/XX/2023 and my account showed the full monthly payment was due. I have submitted an email request to have the funds reallocated to cover my monthly payment sometime XX/XX/XXXXand never received a confirmation that the request was received or being worked on. On XX/XX/2023, I called and verbally requested the re-allocation. The phone rep submitted it for me and had no comment about my email submission having no response. I called again on XX/XX/2023 asking why the re-allocation had not been done since my payment was due on XX/XX/XXXX. The phone rep then said she'd re-request it and set it as an " emergency '' to get done. She told me that my going to be " delinquent '' payment wouldn't show up on my credit this month because we have 12 months of non-credit reporting time. As of today, XX/XX/XXXX, the re-allocation has not been completed. My account now shows past due, even though the XX/XX/XXXXpayment was made and XX/XX/XXXX payment due date isn't until XX/XX/XXXX. I can't get ahold of the phone reps since there are like 60 calls ahead of me and it " may take more than 24 hours to return calls. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I received an escrow analysis from Specialized Loan Servicing XX/XX/2023. 
they projected an increase of monthly escrow and shortage payment total of {$400.00}, the figures for real estate taxes they paid were incorrect. I contacted XXXX County treasury and requested receipt of taxes paid for 2023. speicalized Loan paid the correct taxes but used incorrect figures in the escrow report. 
sent a Notice of Error requesting correction which they received on XX/XX/2023. 
the Notice of Error also pointed out the my property has senior tax freeze so the taxes will not increase. 

speicalized loan servicing has not responded as of XX/XX/2023 to the Notice of Error, which is past the 5 day window for response. 
additionally have sent 2 emails through their web site asking for a respsone. 
the mortgage payment due XX/XX/XXXX with a grace period ending XX/XX/XXXX. I have not sent the payment with the increased escrow portion as I am very concerned they will not correct the escrow 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 2023-12-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
my information was sold and bought illegally because i was a victim of the Equifax data breach. i want these items deleted from my credit reports effective immediately. i am attaching proof that Equifax has admitted that i was in fact a victim of this data breach and Equifax has done nothing. please help me delete these illegal accounts from my credit reports. list all these negative accounts from your Equifax credit reports. account names and account numbers and file your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
This company XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX # XXXX ) has put a {$4600.00} on my credit report and refus to step off.I worte letter to dispute to all 3 credit agencies to take it off and they refused as well. The XXXX sented me some copies they got from XXXX XXXX XXXX with fake amount of bogus charges and trying to scam me out of {$4600.00}. With this on my credit report it put a hardship on my credit being damage until I get this resolve.

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 2023-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) purchased a debt obligation, by doing so paid off the obligation of debt for Your Change Your Choice Const. XXXX ( XXXX XXXX ) account no. XXXX XXXX XXXX XXXX The original creditor The Home Depot XXXX Card ( CITIBANK , N.A . ) not only permitted the purchase but also charged off the debt through the IRS. XXXX Through deceptive and misleading attempts to establish a contract with me again through deceptive and misleading actions. All attempts were responded to with a Register Mailing ( XXXX XXXX  XXXX XXXX XXXX ) Refuse for Cause No Consent No Contract Cease and Desist, a Private Registered Formal Notice of Claim Mailing Record, request for wet ink signature of contract, 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 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 2023-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am the victim of identity fraud. This happened in XXXX. I contacted CapitalOne to advise them because the fraudster has taken over my online profile and my credit cards. I have to call them almost everyday to report daily fraud. Tje fraudster has access to my SS number, all three credit reports and a copy of a non valid driver 's license. There have been countless fraud request filed to have my online profile DEACTIVATED not suspended as the fraud person can unsuspend because they have the information to answer the questions for verification, EVEN AFTER I HAVE PROVIDED THE UPDATED ID. I am simply asking for assistance to locate my information that has been sent several times, and DEACTIVATE my online profile. May I also add they provided a 10 day SLA and I haven't heard from them proactively since XX/XX/XXXX. Please help me. 

Initial call was XX/XX/XXXX Provide new documentation XX/XX/XXXX and several times after Provided most recently XXXX XXXX Capital one Platinum card closed XX/XX/23 Case number XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed no reason XXXX XXXX XXXX - XXXX XXXXXXXX Second claim- account reopen XXXX XXXX Case XXXX Rewards Account XXXX XXXX XXXX XXXX Contacted online via XXXX, no resolution XXXX XXXX XXXX Called and advised case from XXXX XXXX was still under review No current updates Associate hung up on me when asked to speak with a supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX account closed Account closed by fraudster XXXX XXXX XXXX- CapitalOne Added balance transfer option XXXX at XXXX XXXX Account opened No -ETA on XXXX Call XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 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, you have violated my rights 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have 5 inquiries I did not consent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation