vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I mailed a check to my landlord on XX/XX/XXXX. Sometime between mailing the check and XX/XX/XXXX, it was stolen. On XX/XX/XXXX, at around XXXX pm PDT, the check was cashed unsigned at a Bank of America ATM. 

I filed a report with XXXX on XXXX, mistakenly as a dispute ( originally Dispute # : XXXX ). It was moved to the XXXX XXXX on XX/XX/XXXX. It is now Dispute : XXXX. I have also filed a police report ( XXXX, filed on XX/XX/XXXX and rejected on XX/XX/XXXX ), but XXXX XXXX XXXX rejected it because it is mail theft. I have also filed a claim with XXXX ( Service Request Number : XXXX ), but that did not go anywhere. 

On XX/XX/XXXX, XXXX faxed a signed affidavit from my landlord to Bank of America regarding the stolen funds. As of today, I am being told that Bank of America is behind on paying out these claims and again reiterating the 90 day window. As this was a check cashed unsigned, I find this abhorrent and am filing this claim against Bank of America in an attempt to get my money back. 

I have attached : - My email thread with my representative at XXXX ( XXXX - XXXX XXXX case # XXXX ) - Signed affidavit from my landlord ( XXXX ) - A record of the unsigned check that was cashed ( Details | Accounts | Bank | XXXX ) - My rejected police report ( Pending Police Report - Stolen Check )

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 2022-07-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank cashier XXXX XXXX at the XXXX XXXX XXXX branch in XXXX XXXX said higher ups told him he could not accept for deposit a United States Postal money order that was a year old. When I explained him that a few weeks earlier I also deposited into my bank account a different United States Postal money order that was a year old, he could not respond. I explained that the United States Postal money orders do not expire and when I asked for a copy in writing of the bank policy that he claims exists in reference to depositing United States Postal money orders, he refused. He then contradictorily stated that the Santander Bank money orders and checks do not have an expiration and are valid for life. However if the bank products money orders and checks are backed by the federal government and are supposedly good for life, why would this bank refused to accept postal money orders which are also backed by the federal government and good for life?

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 2022-07-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a title loan from XXXX for less than {$3000.00} back in XX/XX/2017. I was unable to repay the loan my vehicle was repossessed by XXXX and sold at auction. Now my credit report shows original title loan as 48-month auto loan that it is not and has never been a traditional auto loan. Also, on my credit report XXXX has the status as a charge off and as active with a balance over {$33000.00} simultaneously which is adversely hurting my XXXX XXXX and preventing me from obtaining an FHA home loan.

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently spoke with XXXX XXXX from Equifax. I contacted him about the letters I sent in and the police report I filed due to the hard inquiries on my consumer report. He violated my right by using obscene and profane language towards me. 15 USC 1692d. He belittled me and would not help me. I asked for a supervisor but he would not transfer to one. I then get a letter stating that all the inquiries are verified. I am hoping XXXX from Equifax didnt update my consumer report because of the call. He willfully and wrongfully didnt that which is affecting my way of living. I can get a vehicle right now because of this unresolved issue that I have sent certified mail about. I have attached the call voice memo. I also let him know the call is being recorded. All I wanted was those 11 hard inquiries removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: TX

Complaint narrative:
Submitted dispute to Credit Bureau XX/XX/2022 to remove XXXX XXXXXXXX XXXX. Credit Bureau provided response stating information was " verified '' XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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: SIMMONS FIRST NATIONAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/1922 I went to the ATM at Simmons Bank located at XXXX XXXX XXXX  XXXX, XXXX, OK around XXXX due to the bank wasn't open yet. I attempted to withdraw {$500.00}, but the screen displayed a message that said : '' this function is unavailable at this time. '' The ATM didn't give me a print out stating this occurrence. I thought the ATM was out of money, so I drove to the other Simmons bank located at XXXX XXXX XXXX XXXX, XXXX and I attempted to withdraw {$500.00} and the ATM screen displayed the same message. The ATM didn't print out a paper slip this time either. The attempted withdraws were made approximately 15 minutes apart. I don't use the online banking with Simmons, so when I received the XXXX statement in the mail I discovered two {$500.00} amounts had been taken out of our checking account on XX/XX/22 for ATM withdraws. I called the Bank on XXXX  and they said they would open a dispute case, I also went in and talked to them and told them about what the ATM had displayed. I waited and they finally sent a letter stating the case had been closed and determination had been made that the money was dispersed and that there was no error found. I went in again after I received the letter and talked to Simmons bank at 3 different locations, the two mentioned above and one located in XXXX, OK. All three locations had a different reason for their decision. All lies. Treated me very disrespectful. We have a limit of {$600.00} daily and I asked how could we withdraw a {$1000.00} just to make a point, but nobody would believe me. I filed a complaint and mailed it to the Federal Reserve on XX/XX/1922 and got a response from them to contact CFPB about this. We have been trying to get our money back all this time. So a couple of weeks ago or so I got an email from my bank about a survey and my wife filled it out and told on there what had happened, then another bank employee looked into it then my wife received a call later that they had video proof I took the money, so I went to the bank and looked at their fuzzy video and it was me in the video, but I was putting my card back in my wallet and putting it on the corner of my dash where I keep it while driving. The bank just doesn't believe what I'm saying so therefore a deep investigation isn't going to happen. We're told the ATM balanced, I can't explain that, but I just know I didn't take any money. I asked for proof right after I received a letter saying the dispute had been resolved, but they wouldn't provide anything until today, XX/XX/22.

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 2022-07-28 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  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 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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
Do not recognize these companies that pulled a hard credit check without my permission!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-28 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Have no knowledge of these company running my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: TX

Complaint narrative:
Have no knowledge of these company running my credit report.

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 2022-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was in a Bank of America, XXXX XXXX XXXX XXXX, XXXX ga, XXXX on XX/XX/22 I have a business acct, XXXX XXXX XXXX I came in for to have an agreement notarize between myself and a contractor I provide services for Notary public, XXXX XXXX modified the document ; this document is a pay agreement - XXXX XXXX used her pen to cross out a date and county that was a header on the contractors agreement the notary modifying a 3rd party document is illegal and has cost my company XXXX usd at the moment

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 2022-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sent a letter disputing the inaccurate data for this account and no response. This for account number 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 2022-07-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This communication responds to your all of the three major credit institutions, XXXX, XXXX, Experian, their Unfair, Fraudulent, deceptive, and wrong practices of debt reporting on your platform. I have a credit history since XXXX unbroken years with several accounts I've had, managed, and paid. Still, your agency only displays my credit history of six years because your agency places customers based on their names and places of origin on a predatory list, judging by my name. In addition, you have instituted nepotism in your reporting causing my Family and me unrepairable damage by displaying wrong information on my report. 
You have kept me down for over two decades, and I will not allow you to continue perpetrating XXXX  and manipulation with my credit. All your reports on my file are false and misleading. XXXX XXXX never contacted me by phone, mail, or by no means blatantly disregarding the Fair Debt Collection-Law, Federal Trade Commission 111-203, title X, 124 Stat.2092. 
Your agency has violated the FTC Fair Credit Law, 111-203, title X, 124 Stat.2092, sections 805-806-807-808-809. Plus, this same debt was attempted and placed on my report by ( Contract Callers ) ; I had to provide all necessary details/receipts before you removed it. Without investigation, you've put it back with another predatory credit collector. I offered/uploaded all the receipts verifying their claims, and the report was investigated by your same agency and cleared of my information. Still, you decided to report this same false claim with the XXXX XXXX XXXX. The same you have consistently done for XXXX XXXX XXXX, This agency has permanently changed the fake report amount they claim I owed. For twelve days of rent, from XXXX XXXX XXXX XXXX, they have held the inconsistencies on the amount owed, 1st reported {$900.00}, 2nd XXXX, then {$7900.00}. " What in the world '' is your agency 's justification for adding this report back on my information after the adjudication process proves it was false. The fact that they continue to change the amount is another gross violation. Please be advised that this issue of false reporting will be officially reported to my State attorney 's Office, District Court, CFPB, XXXX XXXX, etc.

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 2022-07-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: OH

Complaint narrative:
1st issue Wrong Pay Office Information Given by XXXX In 2022, XXXX gave me a Reverse Mortgage Payoff. 
This was for a Reverse mortgage for XXXX XXXX XXXX, XXXX Loan # XXXX totaling {$25.00}, XXXX ( RMF Payoff XXXX page XXXX ) This included wire instructions to XXXX XXXX, Acct # XXXX & Routing # XXXX. ( RMF Payoff XXXX ( page 2 ) I wired the money & called XXXX XXXX & they said that the Account no longer exists & its incorrect. When I mailed email XXXX they didn't reply. ( Email Confirm of XXXX  ( XXXX XXXX ) It seems that after calling the bank & no reply from XXXX, I was given false or misleading pay off information & I wired the money to the wrong place.

2nd Issue - Overcharge of origination Fees is according to the Origination Fees on page 2 of 5 HUD-1 form. XXXX XXXX was over charged {$140.00} in origination fees. The HUD -1 Original Fees was {$2600.00} instead of the maximum allowed amount of {$2500.00}. XXXXXXXX XXXX home value was only {$40000.00}. 
( CFPB Complaint XXXX XXXX XXXX ) " The origination fee covers a lenders operating expenses associated with originating the reverse mortgage. 

" A lender can charge the greater of {$2500.00} or 2 % of the first {$200000.00} of your homes value plus 1 % of the amount over {$200000.00}. HECM origination fees are capped at {$6000.00}.

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