vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$27000.00}. The loan was financed through Bank of America. The purchase price had a 2.23 % interest rate and a Finance Charge of {$1500.00}. My monthly payment is {$480.00}. 

I contacted Bank of America Customer Service three times requesting the original loan information, per diem daily rate and if this was a front-loading interest contract. Each time, I was assured the statement was mailed. After not receiving the requested information, I went to the Bank of America Branch located at XXXX XXXX XXXX XXXX, XXXX, VA on XX/XX/XXXX and spoke with XXXX XXXX three times and he indicated he would not be able to provide a written breakdown of the monthly Finance Charges until next week. He indicated it would take time for this statement to be generated. He did provide two ( 2 ) printouts that were dated XX/XX/XXXX, that was faxed. The first document was an Account Transaction History, and the second document was a generic form on how to calculate interest. This document did not detail my personal loan. It was a generic document ( attached ) that was was not relevant to my auto loan. 

I have been charged Late Fees after paying my note on time. I was able to get some of the charges reversed after catching the errors. However, Bank of America attempted to withdraw {$48000.00} on XX/XX/XXXX, from my checking account from XXXX XXXX XXXX XXXX ( XXXX XXXX I may have inadvertently typed {$48000.00} instead of {$480.00}. But my payoff balance was only {$15000.00} and without my permission the bank attempted to withdraw {$32000.00} from the same account on XX/XX/XXXX. This does not make sense. On the bottom of the faxed Account Transaction History, it states, If you wish to pay off your account, you must obtain payoff information. Please call XXXX. I never contacted Bank of America requesting a payoff. 

Finally, I understand that Bank of America is a for profit entity. Finance charges are part of the business. However, {$94.00} a month is not reasonable. I have requested over and over again for Bank of America to explain how they calculated the {$94.00} monthly finance charge ; to no avail. I earned the right to have a 2.24 % interest rate by paying my bills on time and making sacrifices to pay off debt. It took me a long time to establish great credit. Please ensure Bank of America act with honesty and integrity and fix this issue.

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 2023-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
XXXX  or XXXX XXXX XXXX has now called me back to back within 2 seconds of each other 2 days in a row. Both times i answered they asked for myself and the call ended. At this point i am feeling harassed and i believe this is a violation considering both times i answered my phone and they asked for myself. This is also not including the other days that they called me this week. I am going through a hardship currently and this is just adding more and more stress with the back to back calls harassing me which is adding more stress. I attached all calls that i have gotten from XXXX XXXXXXXXXXXX XXXXXXXXtoday XX/XX/XXXXXXXX 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 2023-03-02 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: CA

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. 
Account name 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TN

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran with a XXXX injury. Sometimes I forget things. I have a mortgage with Dovenmuehle dba XXXX XXXX. I set up my online account and have been making payments. I set up autopay to make sure I didn't miss a payment. To date, I am current on all payments due. 

Unfortunately, I forgot that I had set up autopay, and in an effort to ensure my payment was made, I made a one-time payment online. ( I have done this twice. ) There was no warning that popped up to let me know that it may incur a duplicate payment. It just let me make it. 

Fast forward to XX/XX/2023 : I went to my online account to see that my autopay was still engaged, but they had disabled my ability to make online payments. I thought this was the fix to my issue. It wasn't. It was punitive. Not only have they disabled my ability to pay online, they removed the autopay ( even though it still says that it's active ). I called them to verify my payments, and that's when I found out. I reminded them that my autopay was not the problem ; they didn't care. I told them that this is undue hardship on a XXXX veteran, and I told them that their actions are punitive as a direct result of my XXXX. They said, " Sorry. '' But did nothing to change it. So, in an effort to work with them, I offered for them to use my husband 's account, since the issue had been with me. They flatly refused. They want us to go spend money with XXXX XXXX or buy a Money Order to pay the mortgage, rather than work with my husband or acknowledge that their system is not XXXX XXXX friendly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OK

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 U.S.C 1681. Account name : XXXX XXXX XXXX account XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 State a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 C. ( 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 andodates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 2023-03-02 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX  Account Number : XXXX 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX 3. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX NumberXXXX 
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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
it is a scam a person asked me for money for a job that he never did and now he is threatening me to send him more and he refuses to give me back what I paid. The transactions where {$280.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, {$600.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, {$900.00} on XX/XX/XXXX, and {$1800.00} on XX/XX/XXXX. I tried to canceled them but I havent been able and this person refuses to return it and is threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX  - XX/XX/2023 n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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




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

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

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



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-03-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX - XX/XX/2023 n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

XXXX XXXX, XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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




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

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

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



XXXX XXXX XX/XX/2023 -In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

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


XXXX XXXX  XX/XX/2023 - In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

1 US BKPT ACCOUNT # XXXX 2 US BKPT ACCOUNT # 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 2023-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
To Whom It May Concern : This letter is being sent to you in response to a credit item that is listed on my XXXX XXXX consumer disclosure sent to me on XX/XX/2023. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), and debt validation is requested. See Attachment This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have every had any student loans serviced by your company.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ), this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, legal action has or will be brought against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character Also, during this debt validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal option. Any listing of any information to a credit reporting repository that could be inaccurate or invalidated should be immediately removed. If your office fails to respond to this debt validation request, all references to this account must be deleted and completely removed from my credit report, and a copy of such deletion request shall be sent to me immediately. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX Student Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Santander # : XXXX is mistakenly reporting me late. I recently traded in my vehicle and a check was mailed to payoff Santander in full. I called and spoke with a representative at Santander and they confirmed they received the payoff check. Then suddenly, Santander lost the check. For this reason, I had the dealer cut out a NEW payoff check with a tracking number this time. Which was delivered before the 2nd late payment was due. Please remove the late payments Santander is reporting on me as it was a mistake on Santander. Please audit Santander 's phone calls to verify claim. Also, please see my attached supporting documents. 

As you can see in my report I have no other late payments for quite some time and am able to provide all documents and info tracking trade in and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Paypal is holding my money for over two years now, the 180 days are over now but its not allowing me to withdraw despite numerous calls to paypals support.

After paypal blocking my account i received a message that i will get my funds after 180days, upto now its over 2 years still being held. 

my paypal mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX, my home was burglarized and personal information along with account details, cell phone and other items were taken out of my home. I reported this to the police and credit reporting agencies. I also reported this to Commenity Bank/ XXXX and provided them with police reports. This creditor charged my account off and sold it to a debt collector. I contacted the debt collector and was advised they investigated and deemed my account as a fraud takeover and stated I was not responsible for the charges and that they are not reporting or seeking payments due to my account being fraudulently used. I contacted Comminety Bank/XXXX XXXX XX/XX/XXXX and advised them of what their debt collector told me. I spoke with an agent who stated her name was XXXX ID # XXXX. She said it wasn't anything she could do and that it will remain on my credit report because their files list it as a charge-off. 
Comminety bank/XXXX is still reporting the account as charged off and it is drastically affecting my credit report, and should not be reporting any charge-off as this wasn't due to my own doing. They refuse to remove the account and continue to verify the account as accurate according to their files, despite knowing the account was compromised through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: IL

Complaint narrative:
Consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy TransUnion continues to illegally report a bankruptcy on my consumer report. There is no such court XXXX XXXX Illinois which is inaccurate false misleading, this company refuses to provide me with proof/documentation and data furnisher. TransUnion also reporting inaccurate account XXXX  # XXXX as included in bankruptcy wage payment plan currently how is this possible if the illegally reporting bankruptcy was discharged by there reporting on XX/XX/2022. I have attached a letter from The United States Bankruptcy Court/ print out of pacer.us gov .courts with the actual correct court name an address. The court does not verify-validate any information with credit reporting agencies or credit monitoring services concerning bankruptcy, TransUnion continues to falsely state this information on my consumer credit report an yet to delete. Violations of my consumer rights 15 USC 1681b I didnt give my written instructions/permission 15 USC 1681e ( b ) Accuracy of report 15 USC 1681s-2 ( B ) ( A ) reporting of information after notice of errors an reporting with actual knowledge of errors 623 ( a ) ( XXXX ) Duty to provide notice of dispute

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 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The last payment on the account # XXXX is more than 7 years and should have been deleted, but instead it is showing with incorrect " estimated month and year that this item will be removed : XX/XX/. '' Please delete this disputed account.

Company response to consumer: Closed with explanation