vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
There have been issues where a check is written, the funds are paid, and it is posted. The next day the funds will be credited back to my account and BOA will reverse it. I don't understand why BOA does this, because every two weeks religiously part of my paycheck for over {$1200.00} is deposited into my Bank of America account. For example, if I write a check for {$15.00} and there are {$14.00} cents in my account, BOA will return the check. This is so embarrassing for me as a customer who has banked with BOA for over 15 years.

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 2022-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
i paid my monthly ( every month a problem ) This time they did not send all of my payment back but rather they applied it all to principle and none to the payment! I overpaid {$5.00} to make it an even {$2300.00} like I have always paid. Now they jacked me for a late fee and now my credit is also at risk. I have wasted over XXXX hours on the phone this year alone! Now the newest trying to get me event has a case number which is XXXX. This company does something to me every month! I have filed previous complaints to you and they just lied to you and you closed the case. I got a letter from them saying my house was abandoned. They sent me multiple payments back and denied doing so. They even called me late one night and swore at my wife and I. They told her to shut up as " the men are talking '' and even called her a ( XXXX XXXX several times. I am blown away that this company is able to do things like this monthly to me and get away with it. I filed a better business bureau complaint and an attorney general complaint. All dead ends. Who else is there to stop this madness??? I can't keep doing this. I'm going to be the first person to shoot themselves over the stress of loosing my family home to the most unscrupulous mortgage company on the planet. All I ask is for some real help here. I can't do anything as I'm just a citizen and military veteran. I just want the nightmare to end so please, please for God 's sake help! me!

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 2022-10-28 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
i made a payment for XXXX using my debit card and speedy cash took the money out of my checking asccount and did not credit my loan. they are still charging interest. I sent them proof of the doc and not actioning it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Credit account was transfered to Comenity Bank by XXXX XXXX XXXXXXXX. I was not aware of the transfer until I tried to log into my account and got an automated message saying to call the number on the card. I have no card. Looked the bank up via XXXX. Got in touch with a service rep on XX/XX/XXXX was informed card would take 7 to 10 business days. Called back on XX/XX/XXXX. ( XXXX XXXX XXXX ). Service rep wanted my social security number, I refused to give it. I asked him what address did they send the card to, he couldn't tell me. I received a bill from XXXX XXXX XXXX credit via my e mail. I want this account closed. I want access to see what charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: MI

Complaint narrative:
I need XXXX, Equifax and XXXX to remove late payments on account XXXX XXXX, XXXX department store, XXXX missed payment due to XXXX pandemic and weather desaster declared by governor in Michigan. The Berau companies asked to speak to the company but the company arent removing it or answering me back and they harming me because I want to apply for a mortgage and they not doing it. I need help thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: WI

Complaint narrative:
After speaking with Equifax and XXXX and addressing my issue that I have a collection from Account Adjustment that started reporting XX/XX/XXXX, XXXX XXXX XXXX that started reporting on XX/XX/XXXX and XXXX. XXXX XXXX opened on XX/XX/XXXX. I have spoke to them via phone to inform XXXX and Equifax that I wanted this removed on the grounds that this is a violation of my consumer rights per 15 usc 1681 602a which states I have the right to privacy. I also informed Equifax and XXXX that they are also in violation of 15 usc 1604 which states that Equifax and XXXX needs my written instruction to furnish anything on my consumer report. Most importantly Equifax and XXXX has violated their own data sharing policy which states as well the Equifax and XXXX needs the consumers written instruction to furnish items on the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.

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 2022-10-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: NY

Complaint narrative:
As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.

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 2022-10-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
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  
Unknown un recognized un authorized inquires

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 2022-10-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ECMC GROUP, INC.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. 

Can you please help me get this item removed from my credit history? 

Respectfully, 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 2022-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo. How disappointing this is truly you had stated the only thing missing from my XXXX  claim was the police report. I have this in email. After speaking with XXXXXXXX XXXX this is found to be completely inaccurate. They also told you this. Now, the payoff is inaccurate, because you began to charge interest! Based on your poor information! That is posted here on the CFPB website! You will have remove all interest from this account in order for me to accurately settle this account. As you have been the ones who stated I only needed to provide the police report. I will need all documents from this vehicle as my basement has flooded and I have lost all records to this car! Your staff said they will file the gap. I have proof that my progressive agent filed this claim, I have filed this claim and I am not sure what is going on, but it is not due to my negligence. But accurate payoff is now not available based on the interest applied. XXXX XXXX  stated they spoke to Wells Fargo informing them of documents needed. They are sending documents to a home I no longer live at nor lived at when I purchased the car! I am not sure what the confusion is here, but again I can provide proof of the claim being filed on time in. They need a vehicle factory invoice, payoff quote, payment history, cancellation refund amounts, purchase agreements bill of sale, and the finance agreement. According to them this is ALL FAILURE ON YOUR END NOT MINE!

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 2022-10-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
Hello So my problem is that my credit score was reported down by transunion by XXXX points when it last got updated on the XXXX XXXX even though I paid for my credit card before the payment was even due so like 5days before the actual due date. I am very disappointed and dissatisfied of this service as it is literally affecting my credit history when its not even my fault. I need my points back as I am not facing something bad when I am true from my end. I hope this matter is looked up and I get my score back up again.

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 2022-10-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Direct Account Management
State: NY

Complaint narrative:
Hi! 
I think I was scammed. 

I got a call from a company who said they work for department of education and do student loan forgiveness XXXX XXXX XXXX XXXX XXXX XXXX Direct Account Management company. 

They signed me up for a plan. 
Took my SSN. Credit card number information. 

I found out this was a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As of XX/XX/2022, I attempted to pull my three credit bureaus and all of them have negative information reporting on my reports. I have information that does not belong to me. I have been a victim of identity theft and I had no idea i had this information reflecting on my report. I will be filing a police report regarding all of these negative accounts and I also am submitted via certified mail a copy of these reports to each company with a copy of my license as well as my social security card. Please make a notation on my file about this report. As it is causing me emotionally stress and duress and it is not allowing me to fulfill my daily duties as a mother and a wife. It is causing turmoill in my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: FL

Complaint narrative:
I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: FL

Complaint narrative:
I have disputed an account fraudulently opened under my name, XXXX XXXX. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved

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 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX I contacted Capital One to accept a payment plan and settlement amount. I also asked for Capital One to remove my husband XXXX XXXX from the account as an authorized user, I informed them we are trying to purchase a home and this debt needed to be removed from his name and credit report. Over the phone Capital One informed me it would take 30 days. Every month I checked the debt was showing on his credit report and it was negative impact for us. I called again in XX/XX/XXXX, they said they would file another and it would take another 30 days, it was out of their hands as they do not have access to the department that handles this request. I called today XX/XX/XXXX and was told the closing date would be XX/XX/XXXX and if it wasn't done then to call back start the process over again, I said how does that 30 day work if its just continuous until the end of time? This has negatively impacted our rate for a house and I need it corrected immediately. 

If possible I would also like for capital one to update the balance from XXXX to the actual settlement of XXXX or reflect the amount that its reduced by the XXXX I have made towards the XXXX payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank
State: MO

Complaint narrative:
First Digital credit card opened in my name, called them and sent them FTC report. they have failed to remove or reach back out. affidavits sent and numerous calls. card opened and balance reported as late pay is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: U.S. BANCORP
State: FL

Complaint narrative:
I have disputed an account fraudulently opened under my name, US BANK. I disputed several times and sent certified mail along with police report, FTC affidavit and related docs how ever dispute is not resolved

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 2022-10-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc
State: CA

Complaint narrative:
XX/XX/22 I got the text from ( XXXX ) XXXX ( fraud department ) XXXX XXXXXXXX XXXX about someone is attempting to withdraw money ( XXXX ) XXXX and somehow they convince me to withdraw the money and deposit the money to Athena bit coin. So I withdraw the money and purchase bitcoin through athenabitcoin.com to the address : XXXX I dont know anything about this until my friend told me that this is scam. I called Athenabitcoin but theres nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28 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: WA

Complaint narrative:
XXXX trans union are not complying causing me discrimination and they admit to it neglected XXXX past time to fix by law.wheres the protection

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 2022-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XX/XX/2022 {$220.00} I had spoke with Affirm right when I received a email saying someone was trying to make a purchase with the account I already had. The women stated she see this happen and I caught it just in time to put my account on hold. Affirm also has when your making a purchase you get notification on my phone to my number with a code you have to give them to confirm it's you that's making a purchase and I never got anything. but a email to my phone saying transaction was made from Affirm. I also send the information I got to my email from them saying it was a purchase to XXXX XXXX. I reach out and they couldn't give me information but the name on the account was different them my name and email is what she said. I being filled out dispute and they keep saying I had no case or it's not my fault.

Company response to consumer: Closed with explanation