vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year> I opened my personal checking account with the Bank of America Application on my phone and to my surprise the account balance of over {$7000.00} was on hold. It was too late to call so I called XXXX XXXX XXXX XXXX XXXX When I went on the Bank of America application again that day, I realized the whole account was gone, there were no traces of it anywhere. When I call their general consumer line, they could not locate such account anywhere in their system. It took over an hour and XXXX employees to locate the account. They then transferred me to Closure department which they had closed down my account and held funds to a check I had recently deposited stating it was flagged as stolen. I immediately called my employer and they contacted their bank to their surprise there was no notes nor was the check flagged in their system. After several calls back and forth, Bank of America will not answer XXXX XXXX XXXX  XXXX fraud department to receive the funds back to their account, since Bank of America told me they could not release the funds to me. I need this money to pay my bills and responsibilities. This is outrageous what they are doing to us consumers who have to survive paycheck to paycheck. Now they are saying that the account is not closed and can not send the funds to XXXX XXXX XXXX until the account is closed of which they can take 30 days to do so! How is this legal?? To have the approval of another bank telling them there is no fraud reported on their end and they still decide to keep the funds in house. This is exactly why people do not keep money in US Banks! At any minute they can close down your account at their convenience and not even give you time to open an investigation and prove no fraud has been committed, not even allow the bank who issued and released the funds to contact them!! How is this even legal?

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE. 

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681. 

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I contacted one main financial with the intention of obtaining a loan to assist with financial crisis due to covid and use funds to pay off credit cards as well as help keep my business afloat. During the approval process I was advised that I had a monthly payment of {$360.00} which was something I could afford as well as make additional payments to pay loan off quicker. After 2 years of payment monthly payment with an additional payment and not seeing my loan amount go down I learned that one main financial was actually charging interest daily verses monthly as I was advised during the time of approval. They continued to offer me more money which I did not take as I felt they were doing so to keep me paying longer terms which I did not agree upon. As I did the calculations and seemed advice through legal services instead of being able to pay my loan off in XXXX years with additional payments of would in fact be around 8 years. My loan was for $ XXXX. I was making monthly payments of {$400.00} to {$600.00} for XXXX years and my balance is sitting at around $ XXXX due to the daily interest I was not informed about during approval. My loan should be close to payoff and yet the amount continues to go up. Which has led me to stop making payments because I can not afford the daily interest I was not advised about during approval and my payments are not making a dent in the original amount approved. I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for a loan modification a few months ago a few different times. I did not know applying more than once would affect the outcome. When my initial hardship happened in XXXX, I had contracted XXXX. I was working before I got XXXX  and then the company closed down due to XXXX so I lost that job. Fast forward to XXXX of this year, XXXX, I have a brand new job with greater pay so this change of circumstance has allowed me to now show affordability to keeping up with my payments. Please bear in mind, that when I lost my job and got further behind on payments, PHH did not allow me to make any payments which caused me to fall further behind than I needed to. Now that I am working a full time job regularly I am able to make payments. I only received 1 modification which took place early in XXXX and it has been more than a year since my last modification. It was a different hardship then as compared to when XXXX affected my job last year. My hardship was short-term as it is no longer affecting my ability to make my mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed incorrect negative items on my credit report with Transition, XXXX, and Experian. The items came back verified by all 3 credit bureaus, so I responded with a verification letter asking for methods used when investigating my disputes. I also asked for a list of documents and correspondence including names and contact information of employees that were spoken to as part of the investigation. According to my rights as a consumer under FCRA 611 ( a ) ( 7 ) I have the right to request a complete description of all methods used to investigate my aforementioned dispute. I have not received a response from the credit bureaus so I am asking for this to be resolved and items requested removed from 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
The company is refusing to resolve my dispute case # : XXXX. 
I filed this complaint earlier and the companys excuse for not resolving the issue is that they have not received requested documents of my federal or state ID and my prove of address. Meanwhile these documents have been submitted more than six times. I called the customer service line on XX/XX/year> to follow up. I was told my ID card and my prove of address have been received but the company does not accept my prove of address. The customer service personnel whose name according to him is XXXX said the company accept bank statement as the only prove of address. On that day XX/XX/year> I submitted my XXXX  XXXX XXXX statement whiles I was on the phone with XXXX the customer service personnel and he confirmed receipt of my document and said a specialist will reach out to me. 
On XX/XX/year> I called their customer service to follow up and I was told my XXXX XXXX XXXX statement is not acceptable so I should provide another form of prove of address. Without hesitation I provided my XXXX XXXX  statement. 
On XX/XX/year> I called again to follow up. I was told by the representative to provide my XXXX XXXX XXXX digit debit card number and I insisted what does my debit card details has to do with my prove of address? I further told her that I am a victim of Identity theft and I dont feel comfortable with her request. I told her they insisted for my bank statement which have the bank contact information so they should rather contact the bank if she doubts the statement. She asked for my phone number so tha

t a specialist will reach out to me regarding resolution of the fraudulent charges on my account and I gave her. I have now suspected that some of the representatives may be part of the fraudulent activities on my account. Anytime I called the customer service line, I will be transferring to more than 3 departments which I dont know who they are and they ask for every detail of of my identity for verification excuses yet at the end they dont resolve the issue. After I ended my call with them yesterday XX/XX/year> I had a missed call and I thought it was the specialist who called with number XXXX. I Checked the number and the number does not exist. I am living in perpetual fears with what is going on between me and Capital One credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a correction to the three major credit bureaus on line. TransUnion claimed I used incorrect email. Could not find correct email on line Called and answered all their questions and was disconnected. Called back and could no connect

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
upon checking my credit report I realized I had damages on there. And according to the 15 U.S.C 1681 law there should not be any damages on my report its a defamation to my character.

This company is reporting fraudulent inaccurate information on my credit report I have requested that they provide the agreement to show full ownership of such account and also other documents so that I may review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
15 U.S. Code 1692c ( c ) is a provision of the Fair Debt Collection Practices Act ( FDCPA ), which is a federal law regulating the practices of third-party debt collectors. Specifically, 1692c ( c ) addresses the issue of a debtor 's right to request that a debt collector cease communication.

All communications regarding debt should cease and it is a violation of my rights to report anything to credit agencies. I demand you remove all items listed below. 

XXXX. XXXX  ACCOUNT # XXXX XXXX. XXXX  XXXX XXXX ACCOUNT # XXXX XXXX XXXX  XXXX XXXX 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so XXXX that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXXXXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 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 explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
I requested loss mitigation which the company gave me, but they keep moving the ball and keep losing my application and payments among other things in violation of 1024.41 ( g ) they started foreclosure proceedings while I was in loss mitigation and during the time which I submitted my loss mitigation application and asked the court for a default judgment. I am currently in foreclosure court proceedings and in loss mitigation at the same time

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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As per the FCRA guidelines, it is crucial that the information on my credit report is accurate and up-to-date. I kindly request that you investigate this matter and update my credit report accordingly if there has been any mistake or if the late payment information can be corrected.

Company response to consumer: Closed with explanation