vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have maintained in good standing the same account with Bank of America for over 25 years. On XX/XX/XXXX, I deposited a cashier 's check at the branch for {$6000.00}. Bank of America placed the funds on hold until XX/XX/XXXX ( Yes 8 business days ). I called B of A and spoke with an agent and supervisor who explained that due to losses, checks over {$5000.00} including certified funds are placed on hold. Regardless of the banking relationship. This is a UDAAP issue for a few reasons. 1 ) B of A placed an extended hold on certified funds for no reason while earning Interest / investment returns to benefit the bank. 2 ) B of A does not place all of their account holders funds on hold for 8 business days. I am writing this complaint on XX/XX/XXXX because I truly believed the funds would have been released sooner.

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
ON XX/XX/18 I RECEIVED A TOLL VIOLATION, UNAWARE AS I RECEIVED NO NOTICE FROM NJ XXXX XXXX IT ENDED UP GOING TO A COLLECTION AGENCY. I CONTACTED XXXX XXXX AND PAID THE TOLL DIRECTLY TO THEM. XXXX XXXX XXXX IS STILL ATTEMPTING TO COLLECT THE DEBT. I CAN NOT PROVIDE PROOF BECAUSE MULTIPLE VIOLATIONS WERE PAID ON THE CARD SO MY CARD STATEMENT WILL BE USLESS. I GAVE THE COLLECTION AGENCY THE TRANSACTION NUMBER AND THEY ARE STILL TRYING TO COLLECT THE DEBT. I TOLD THEM TO CONTACT THEIR CLIENT ( NJ XXXX XXXX  ) AND THEY HAVE NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Company : BANK OF AMERICA I made the same deposit I have been making since XXXX. A money order for {$300.00} deposited into my checking on XX/XX/XXXX. The bank has not held any of them previously. The only difference is where I made the deposit this time. All previous times it was made in my suburban residential area. This time I was in an area with a higher minority population not thinking this would effect my banking I made my usual deposit in that area. Now there is an extended hold. I have proof of purchase of the postal money order and the bank is saying they will not release the hold. My account has never bounced a check let alone deposited fraud ever in my life let alone the 15 years Ive been with Bank Of America. The judge instructed the defendant to pay her judgement to me using money order or official check to avoid this as my funds are due in a timely manner each month. I would like the file a formal red lining complaint as the only difference in this deposit was the location it was made which has a higher minority demographic than the previous locations where the deposits were made. 
When I called customer service I was told To take the proof of purchase to the banking center when they opened. When I called the banking center they are telling me there is nothing they can do. I keep getting the run around. 
I also plan to file a lawsuit to end this red Lining the banks have historically gotten away with that disproportionately effects people of 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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent in documents to Experian on XX/XX/2018 which included my birth certificate, social security card and also my drivers license. I was going through the process of getting preapproved to buy a home and they had my social security number entered incorrectly. I tried calling and getting ahold of them to fix the problem and 5 months later my number is still reporting incorrectly. According to the Fair Credit Reporting Act they had 30 days to respond and failed to do so.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried numerous times to reach Experian by phone to resolve a credit freeze and fraud alert that is preventing me from starting my retirement benefits through Social Security Services. 

They do not provide the option to speak to someone like XXXX and XXXX do, they already resolved the issue for me on their systems. 

Experian wants me to send a form with copies of ids that would make me vulnerable if anyone got a hold of all that information connected to a form they want me to download from their website and mail in or fax in. I don't trust sending private information this is not safe.

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 2019-04-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My name is XXXX XXXX and I am extremely upset with XXXX, XXXX and Experian. I filed a police report on XX/XX/XXXX. I have sent in certified mail and fax. And XXXX, XXXX and Experian continue to report fraudulent accounts and inquires to my report. I decided to get a lawyer and pursue legal actions against all XXXX credit bureaus. this has to stop! My lawyer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX PA XXXX ) He notice several instances where XXXX, XXXX and Experian are in non-compliance with the FCRA. 

The fraudulent accounts and inquiries are as followed : EXPERIAN XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX Inquiries- XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX {$6000.00} XXXX XX/XX/XXXX XXXX CO XXXX {$740.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$110.00} XXXX XX/XX/XXXX XXXX {$270.00} XXXX XX/XX/XXXX inquiries members XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian XXXX Email : XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 XXXXr XXXX XXXX XXXX  and 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX   XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.

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 2019-04-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
this is not my debt - I never authorized anyone to call me about a XXXX credit card that is not mine/nor am I affiliated with the debt owed, the # that called me XXXX I want to be taken off the calling list

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 2019-04-02 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: NY

Complaint narrative:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may consern : I have been victim of identity theft, an account is showing in my credit report that does not belong to me, I'm taking the steps available to me to remove this account from my credit .An FTC report had been filed, ID, SS card and a bank statement are attached to this complaint. 
Please remove this fraudulent account from my credit report. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Have sent letters to the three credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Have sent letters to the XXXX credit bureaus regarding the reporting of a a chapter XXXX bankruptcy that they are reporting that they state has been verified by XXXX only XXXX is not reporting a chapter XXXX bankruptcy on their credit report. I've requested a letter from XXXX twice to show this and they have sent me my credit report which does not show a chapter XXXX, it only shows a chapter XXXX which is dismissed and has been removed from my credit reports.

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 2019-04-02 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: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I refinanced my loans at the end of XX/XX/2019. Payment in full for my loan with XXXX XXXX XXXX was sent by check from my new Lender. The check for XXXX was cashed on XX/XX/2019. On XX/XX/XXXX, I received a bill for my loan payment from XXXX XXXX XXXX. When I asked about the payment in full, they said they did not receive it. I sent a copy of the cleared check via email on XX/XX/2019. On XX/XX/2019 I contacted the company via email as I had still not heard anything back. I was told that they did not have an updated. On XX/XX/XXXX, I received another bill for the next payment. I called the company on XX/XX/XXXX and was told there was still no update, over two weeks after I had sent the copy of the cleared check. I have now had to make two additional payments on a loan that should have been paid off as of XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
RE : I receive unsolicited call from Navient to employer, creating a hostile work environment Date : XX/XX/2019 Time : XXXX Issue : Navient continues to try to establish contact with my employer regarding a student loan. Navient also engaged in exposing personable identifiable information. This is a violation of the consumer protection act. Navient has been advised and issued a formal notice of this particular illegal practice/action many times before but continuing to proceed and completely disregarding the checks and balance. 

Please be advised-

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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:
To whom it may concern, my information has been compromise in XXXX data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.

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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
ACH transactions that I did not authorize. 

All happened on XX/XX/XXXX XXXX XXXX : XXXX XXXX I D XXXX indn. Dr XXXX XXXX XXXX XXXX ID XXXX ccd for {$110.00} XXXX XXXX-Web PMTS ID- XXXX indnXXXX XXXX   ID : XXXX web. for {$370.00} XXXX XXXX XXXX : Bill Payment ID XXXX indn : XXXX XXXX Co id : XXXX tel for {$6900.00}

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 monetary relief
Consumer complaint received 2019-04-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FCC Finance, LLC
State: OH

Complaint narrative:
His Name is XXXX. His direct number is XXXX. XXXX, TX. 
He has called me on several occasions. over 40. He has called and threatened my Social Security, My husbands SSI and Pension. He tells me what a terrible person I am. and how can I afford anything I have like a phone and not pay them. Now, he is calling on my phone but when I look it is my daughter 's number. It looks like my daughter is calling me and when I pick up he say 's " Hello. How's it going? I can still get you ''. 
I am being stalked by this man in Texas. He is scaring me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, my information has been compromise in equifax data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Woodward Capital LLC
State: MD

Complaint narrative:
My name is XXXX XXXX. My Social is XXXX. My Account number with this company is XXXX. My mailing address is XXXX XXXX XXXX, XXXX, MD XXXX.I am reporting this company because on several occasions I have asked Woodward Capital LLC to provide with the credit bureaus my information on my car loan. I have made my on time payments and even some payments made ahead of time. I purchased the vehicle XX/XX/XXXX. I made my first month payment on XX/XX/XXXX for XXXX XXXX I then made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and half of XX/XX/XXXX. Next, I made an additional payment on XXXX XXXX to cover months XX/XX/XXXX - XX/XX/XXXX. I have called to my creditor twice regarding this issue and I was informed that they will report in a couple of months yet and still nothing has been reported. I would like an investigation to be done in regards to this company and I would either like to report to the credit bureau immediately or I would like to be let out of my contract with this car with full reimbursement due to negligence on the company behalf. I am very displeased by this company because I am worried my money is not being handle as it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
COMPLAINT on Transunion, XXXX, XXXX : My wife and I are XXXX XXXX. We have submitted information to have changes to show combined income but nothing happens. Jointly, we have an income of {$72000.00}. However, the reporting agencies show me at {$32000.00} and my wife separately at approx. {$30000.00}, which first of all is incorrect in amounts. BUT the main concern is that My debts are reflected in her income and her debts reflected in my income level. Therefore, the debts ideally are considered twice lowering both our scores. It seems that if both of us are responsible for the same debts then the total combined income should be used when doing so. What they are causing is an imbalance of our debt to credit percentages which poorly reflects our credit worthiness when these reports are pulled for service to us. Please help us with having this considered and adjusted. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently received a copy of my credit report from XXXX on XX/XX/2019 and they are reporting incorrect Amount past due from Capital One/Kohls this account was paid with agreed amount {$160.00} Here 's the account # XXXX listed on the report. Amount past due list {$330.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation