vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XX/XX/2023 My payroll check was deposited at Bank of America Location XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX No one notified me that there would be a hold placed on my check until the next day essentially stripping me of the opportunity to take my payroll elsewhere so that I can actually pay bills. 

Saturday XX/XX/XXXX, I returned to the same branch to speak with the manage about the hold I was fended off by an additional staff member who didn't even bother to ask my name or any specifics but gave me simple canned responses, basically " there is nothing we can do '' When I asked for manager, I was told they were busy and would not be available to see me until next week. I was told I could call customer service and speak someone there. 

When I called customer service I immediately asked for a manager or supervisor, the representative asked what it was regarding " I replied- I would really would prefer to just speak to a manager to avoid being fielded off the way I was in the branch. I was placed on hold for about 10 minutes the involuntarily disconnected from the call. this happed 2 times back to back. 

The third time I called I asked the representative to please take my number as I have been disconnected twice and no one called back, to which she replied she is not able to take my number because she is not allowed to dial out and call me back if I am mysteriously disconnect again, after an extended wait I was told I there are no managers available and I would be placed in a queue for a callback within three hours. 

I was contacted by a manager named XXXX at XXXX XXXX  PST, who basically told me that she could do nothing about the hold and even after I notified her about regulation CC, and that this is not a reasonable time to verify funds for a check of about XXXX dollars, her reply was the same canned responses that I have been given by everyone that I have spoken to thus far. My next question was can I have my check returned to me that I can actually take my check to be cashed elsewhere, as there unreasonably long hold will cause my unnecessary hardship as I can not pay my bills, and the account that I have with them will also now be overdraft due to the unreasonably long hold. 

None of the people I have spoken can give me a reason for the long hold when a standard hold is 2-5 days. I'm not able to speak to anyone who can do anything about it. I am being given canned responses, essentially, we have it, we're keeping it for 12 days and there is nothing you can do. 

I'd also like to add that the branch manager at the location listed above would not even come out and greet me, never asked my name, no account information to look up, just a caned response, sent to me by another employee and call customer service.

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 2023-07-01 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:
Information furnished in the narrative section for payment status, ie. 90 day status and XXXX current status, constitutes unfair and unlawful practices by XXXX because it was generated on the basis of depriving a consumer right of notice that violates both TILARegulation Z ( 12 CFR 1026.2 ) and the MPN for the loan ( XXXX ( XXXX ) ( b ) ). Persistence of information by one or more consumer reporting agencies, when those agencies know, or should know, the information reported is unlawful ( incomplete or inaccuarte ), then implies those CRAs are reporting information that is false and/or misleading. Reporting of this information then violates 15 U.S. Code 1681e. In this context, the information reported need not even be " false '' but may equally be " correct '' information that gives a materially misleading impression ( see : Twumasi-Ankrah v. Checkr , Inc. , 954 F.3d 938, 943 ( 6th Cir. 2020 ) ). At present Equifax is reporting either patently incorrect information and or misleading information for this acct/tradeline such that their reporting has caused adverse actions to occur when I have applied for housing within the past few months. In fact, XXXX, aka XXXX XXXX XXXX XXXX, a company specializing in risk management for housing rentals, used the information supplied by Equifax to inform a subscribing management company that I was too risky to lease an apartment in the respective apartment community -- I was denied the apartment and an exception, while permitted under management policy, could not be made because the credit score provided via XXXX XXXX XXXX XXXX XXXX which was at the very least based upon the information reported by Equifax, was too low. Therefore, the false/misleading information supplied by Equifax has caused me to be subjected to housing instability, and unfortunately, housing discrimination. The prior payment status narravtive and current status narratives, " was 90 days past-due '' and " 119 days past due '' need to be removed for this account/tradeline. If Equifax will not do so, then I will sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Comenity Bank keeps destroying my credit! 

They issue credit and lower your credit limit so it gives you lower credit ratings! 

They cancel your cards with no reason. 

I pay my accounts and had monthly payments automatically taken out with reoccurring automatically monthly. 

I had my credit score up and then they lowered my credit limit which caused me to look closer to my limit. 

This should be not allowed! This should be illegal! 

This company is destroying peoples credit!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: NC

Complaint narrative:
I am apart of the XXXX Equifax Data Breach I have been contacting this company since XXXX I requested my credit report from XXXX where I noticed several fraudulent credit accounts on my credit report in other names that are not associated with me. I have contacted Equifax via email and online and via telephone with know complete response from them. As a result of the XXXX data breach Equifax has I have spent hours on end attempting to get these credit accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: FL

Complaint narrative:
There are inquiries i dont recognize on my report XXXXXXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 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 XX/XX/2023 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a 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 explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing ( SPS ) has not acknowledged the extra escrow payments ( {$4300.00} ) that I have made on my mortgage account since XX/XX/2023 in order to maintain my monthly payments to $ XXXX even though I have requested five times for re-assessments five times in the last XXXX months. My discussion with one representative in XX/XX/2023 was that if I made {$5000.00} over the monthly minimum to escrow then when the account was re-assessed in XX/XX/2023 that it would stay the same. To wit, because of the use of outside contractors who work from home there is little or no quality control over communications. Hence, when I spoke to the XXXX XXXX. last XXXX they only lowered the payment by $ XXXX to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to you today in hope to resolve an issue with my Equifax credit file. 
I have an account on Equifax.com, when I log in and try to view my report or start an online dispute I keep getting a message saying Please give us a call and give this code to the Agent : XXXX XXXX see the screenshot attached to this letter ). 

I tried to call Equifax Customer Care at XXXX multiple times, and when I get to the part to verify my identity I hear security questions and answers about accounts I have no knowledge of. As a result, my identity can not be verified through the phone and I am being instructed to send a mail request to Equifax Credit Information Services Inc. 
XXXX XXXX XXXX, XXXX, GA XXXX. 

There is clearly something wrong with my Equifax Credit file, as I cant access the report even through Annual Credit Report.com or 3 party websites like XXXX XXXX XXXX  or MyFico. 

I hope Equifax will solve this error in a timely manner and bring my credit file back up to date. 

Please investigate this matter and get back to me acknowledging you received my request and the error has been resolved. Please also send me a copy of my credit report. 

Thank you. 

*I have mailed the above letter to Equifax today XXXX 
This issue has been going on for the past couple of weeks. And upon doing my research, there are many other people experiencing the same issue at this time. 

I am looking forward to your response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
In XXXXXXXX XXXX, a Home equity line of Credit loan matured.Citizen 's bank tried to foreclose on my house, in which I was able and willing to continue making payments. I went for 4 years to court and had to hire 2 Attorneys to plead to keep my house before Citizen 's bank made a " deal '' using the HARP Program to allow me to keep my house and resume payments. I find it unfair to charge me as part of the HARP Program agreement, to pay for Citizen 's bank Attorney fees, which total {$11000.00} of the balance owed to Citizen 's bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK
State: CO

Complaint narrative:
On Saturday XX/XX/XXXX at approximately XXXX I went to my local first bank on XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I came to make a deposit into the atm of XXXX XXXX as the atm was counting the money it only calculated XXXX XXXX I canceled the transaction to have the atm return my cash however the atm still only returned XXXX XXXX I am now missing XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/2023, I disputed a charge on my Apple Credit Card that was not authorized. I followed all of Apples instructions to update my password as they required that I change it. They then without any communication, locked both my savings account with substantial funds and my Apple Card. 

I have contacted them multiple times and they will not provide any access to my savings account until a review takes place. Despite phone calls, text messages and escalations, they will not provide access to tens of thousands of dollars that I have in their account. I can not make rent or pay my bills. 

I am beyond upset as they should not be able to lock my funds. I am considering all legal options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
Today is XX/XX/XXXX I bought a Vanilla Visa gift card with a value of {$100.00} for {$100.00} this morning at XXXX XXXX from a XXXX store in XXXX, Colorado. I opened the card package to find that the card has 12 digits on the front, not 16 digits. Visa cards should have 16 digits. It also had no CVV code on the back. It should have a 3 digit code. 
I returned to the XXXX store and talked to the store manager. She said there was nothing she could do to help. I tried to use the card to make a purchase at the XXXX store with the help of the manager, but the card was declined. 
I called the number on the back of the card ( XXXX ) and after waiting on hold for 15 minutes, a representative answered and then hung up on me as I attempted to answer her questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i opened an account with citi bank online on XX/XX/XXXX and was told the account had to be funded immediately. So i funded the account and it was my last. i tried to XXXX the money to another account of mine but was told i need to have a debit card. how would i have a debit card if i just opened the account same day? so i called to see how i can get the funds out or verify another way. that policy simply makes no sense because if someone just opened an account online how would they have a bank card? i tried to XXXX it a few times and i tried to transfer the funds through wire transfer. now my account is locked and and under review but that makes no sense? why let me open an account with my information and find the account THEN say its under review? anyone couldve used my information and opened this account. i was told a letter will be sent me to in the mail but that is my LAST of my money. i asked numerous times if they may expedite the letter or the card but i wasnt give either option the reps actually hanged up the phone in my face. i am going to close this account and get a class action lawsuit started. i no longer care to bank with citi bank and the money they will be paying out after i am done with them will be bigger than the chump change they think they can keep stealing from people. they have many complaints of them doing the same thing to people.

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 2023-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: AZ

Complaint narrative:
I took out two loans from New York State Higher Education Services Corporation ( HESC ), one for the school year XXXX, one for the school year XXXX. I was allowed a forbearance for both loans for several years. When the loans came due, I contacted an HESC representative to arrange monthly payments. At no point did this loan servicer inform me that I had any alternative other than a payment that was close to half of my entire monthly income. I felt as if I was being pressured by a debt collector, not a loan servicer, and it scared me. There was absolutely no mention of any income driven plans to stay out of default. At that time I didn't know that an income-driven payment plan was an option at all. 

I could not afford the payment so I went into default. HESC moved quickly to get whatever money they could. They employed a debt collector ( Performant ) and pursued every legal angle. They took several tax returns. They took several partial payments from me from XXXX to XXXX with no accounting of them. Then they started to garnish my paycheck. At no point in my dealings with HESC was I offered an income-driven plan. 

I have since learned how to move my loans away from them, and am relieved to never have to deal with them again, but I argue that much of this debt would be paid off, and, quite frankly, I would have never gone into default in the first place, if HESC had informed me of my repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KEYCORP
State: NY

Complaint narrative:
I went bankrupt on a Key bank account for a mortgage on my house in XXXX. In XXXX, my son was XXXX XXXX XXXX and I signed up to have a joint bank account with my son at a Key bank. Key bank withdrew {$300.00} from my son 's checking account that had my name attached to the joint account through Key bank. Initially, I have contacted the bank institution in Iowa for unfair bank business transactions. Within the past 4 years, reached out to Key bank to resolve the issue and get a refund from Key bank. Key bank representatives tell me that they can't find the account in their system from XXXX to correct this error of stealing the money out of my son 's Key bank account in XXXX for a Key bank bankruptcy account. I sent all information to Key bank to show the account number associated with the issue. I had to reimburse my son for the money that Key bank illegally took from my son back then!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: LEXISNEXIS
State: CA

Complaint narrative:
This reporting company reporting over 67 variation of my address. I have called them few times and they put me on hold and then they hang up which super frustrating! All the addresses must be deleted since they are inaccurate I had already uploaded my DL to them with my accurate address! Company must delete all veriation of my address there should only one accurate address which is on my California drivers license

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I tried to apply for the student forgiveness last XXXX, XXXX. I find it very unfair that the student forgiveness program only has a beginning year of XXXX. I should qualify if the program would include ALL time in public service..I worked for XXXX XXXX from XXXX, XXXX XXXX and XXXX XXXX from XXXX . I have accrued XXXX XXXXXXXX years in 2 counties and am vested after XXXX years. 
Also, I find it very unfair that the interest on my student loans is excessive!!! I can't help it if I had extenuating circumstances beyond my control as to fall far behind on my payments, such as layoffs, unemployment, COVID and surgeries that through the years has impeded me from continuous payments as to NOT accrue extra interest. I would like to arrange a better outcome with my student loans as to be more fair..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Card was opened under my name without any application filed by me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: GA

Complaint narrative:
During the end of covis 19 pandemis.Struggling to maintain, out of work and credit score dropping.Recived a unsolicited laon check in the mail for XXXX from Marieiener FinanaceXXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXAlthough the origianl instrcution about the loan process were reported.Once the loan was deposit I never heard another word either written of by electronic for over a year.Almost a year to the date I recive a summons by the local Sheriff to a [ ppear in court for non payment of a loan..Along with every document that should have been recived prior to the first loan payment.there is no excuse for non payment other than my finanaical inability to pay, due to chronic unemployment.

Company response to consumer: Closed with explanation