vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have two bank accounts with Bank of America, a checking and a savings. A third account, XXXX XXXX, was opened in error. I asked the account be closed, but they refuse to close it until {$25.00} ( the monthly fee ) for the account has been paid. I am not paying for an account I did not want or did not use. When asked what would happen, because I refuse to pay and they refuse to close it, they said I will just keep getting fees until I pay them and close the account. 

Ridiculous. Shady practices.

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 2022-05-25 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: Resurgent Capital Services L.P.
State: AL

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 XXXX XXXX  acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX acct XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CORELOGIC INC
State: GA

Complaint narrative:
They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.

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 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am an attorney at the XXXX  XXXX XXXX XXXX filing this complaint on behalf of my client, XXXX XXXX, who is the successor in interest of the subject property. An authorization is attached. 

XXXX XXXX is the daughter and successor in interest to the borrower, XXXX XXXX, who passed away in 2014. XXXX and XXXX owned the property jointly as joint tenants with a right of survivorship ( deed is attached ). Under XXXX  law, XXXX thus became the sole owner of the property automatically upon her mother 's death. 

Shellpoint refuses to acknowledge XXXX as the successor in interest to the loan or allow her to assume the loan with the modification she other qualified for and successfully a TPP for. It improperly cancelled her loan modification and started a foreclosure. 

Inexplicably, Shellpoint demanded that XXXX open a probate action and become executor of her mother 's estate in order to effectuate a modification/assumption even though she is already the sole owner of the home and probate served no purpose under Connecticut law . It further cancelled her loan modification because her deceased mother could not sign it. XXXX nevertheless attempted to follow Shellpoint 's instructions and spent {$660.00} opening an unnecessary probate action. Shellpoint still was not satisfied, and initiated foreclosure, adding more fees to the account and subjecting XXXX to the potential loss of her home when she has already qualified for a loan modification and successfully completed a TPP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to Experian regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.

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 2022-05-25 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: World Acceptance Corporation
State: AL

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 XXXXXXXX XXXX acct XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX  acct XXXX has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have requested multiple times to update current address and this has not happened. 
XX/XX/22 & XX/XX/22 Equifax is still not updating. The other 2 bureau have the correct address on file. Equifax also has the incorrect date of birth and Incorrect prior name on file. 
This is now affecting me to get a loan. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TradeStation Group, Inc.
State: NE

Complaint narrative:
On XX/XX/XXXX I opened an account on Tradestation account with an attached {$500.00} bonus for depositing {$10000.00}. I was a new customer who never had an account before. Upon transfer, I completed several transactions. I met all the requirements to receive the bonus and Tradestation is refusing to honor their promotion. I inquired as to why the bonus has not been awarded to my account, and first I was told that the promotion ended XX/XX/XXXX. I provided them screenshots of their website showing that the offer was still available on XX/XX/XXXX. Then they claimed that the transferred " new '' money had to stay in the account to receive the bonus, which is not one of the conditions of the promotion. I have attached a copy of the website showing the terms of the promotion, dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 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: Informative Research
State: GA

Complaint narrative:
They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
They are fraudulent activities on my credit report. They are hard inquiry that are not mine. And I need it removed. The address that these inquiries are under is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between XXXX ( XXXX, IL ) and XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both XXXX and XXXXXXXX XXXX XXXX XXXX XXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX  XXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can 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 2022-05-25 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: Mortgage Research Center, LLC
State: GA

Complaint narrative:
I noticed unauthorized inquiries on my credit report. Someone else applied in my name. 

According to the FCRA ( Fair Credit Reporting Act ), these unverified and unauthorized inquiries must be removed.

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 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-05-25 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Good afternoon. I'm writing to inquire if your organization could help me with an identity theft issue and an unscrupulous banking arrangement between Netcredit ( XXXX, IL ) and XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( XXXX, OH ). Their service is one of three that allowed bad actors to attempt to borrow large sums of money against my credit profiles. While the other two " banks '' quickly handled the fraud issues and their respective hard pulls against my credit profiles, both Netcredit and XXXXXXXX XXXX XXXX XXXX XXXXXXXX have refused to correct this matter. 

Thus far I've submitted complaints on the FTC and Ohio XXXX websites, but nothing has happened and frankly I'm not expecting much from these agencies. However, I want to protect my credit profiles and send a message to fradusters like these jokers. 

While I've already locked all three of my credit profiles, I'd like to know if I have any legal remedies available to me since XXXXXXXX XXXX XXXX XXXXXXXX is based in Ohio and I'm an Ohio resident. Perhaps a cease and desist or demand for compensation for time spent working to rectify their debacle? 

In any event, please review the following thread and attached emails in PDF format regarding this matter and let me know if this is something your organization may be able to assist with resolving. Thank you in advance for your time and assistance... and I really hope that the CFPB can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: CA

Complaint narrative:
Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to XXXX regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.

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 2022-05-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
as a part of XXXX XXXX promotion during the purchase of my airplane ticket I checked the box for American Express. {$200.00} cash reward if customer makes a $ XXXX purchase in first 3months. 
However, I never completed a checkout for the airplane ticket. I thought Amex card application did not go thought either. Actually it did and I received a card sometime later. Never received any billings statements. 
I said oh, well I might as well take the advantage of the {$200.00} promo by spending money on it. After few months I made my first purchase, which was paying the college tuition down payment for my freshman son. Made some other purchases too.. Was waiting on the statement, but never received it. The first time I received the statement the payment was already overdue and the fee and interest rate were already charged. I paid everything right away. 
I texted with Amex customer service and tried to negotiate removal or reduction of fees but to no avail. And I did not receive {$200.00} -- promotion either. With disappointment in the quality of their customer service I closed my account. 
With all off this I would like to file a complaint against Amex and AmEx practice. I think their practices are unfair and are taking advantage of customers. I do not seek money or any reimbursement, but I just want to share my experience so others can learn from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
Citibank paid the sum of {$1700.00} ( transaction ID : XXXX ) to my bank account ( XXXX ) on XX/XX/2022. The fund couldn't be claimed by my bank within the specified time per the wire instructions, so it was reversed ( or so I was told by my bank ). I have been trying to get Citibank to re-initiate the transaction without success.

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 2022-05-25 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: ID

Complaint narrative:
In a dispute letter dated XX/XX/2022 to Experian I requested personal information be corrected, including : Spelling my hyphenated last name correctly; deleting eight misspelled names listed on my credit report ; deleting an incorrect address ; and deleting an incorrect telephone number. I provided a copy of my driver 's license and a utility bill showing the correct spelling of my name and correct address. Experian sent several emails to me stating that the results of processing my disputes were available online, but I was unable to access those reports I guess due to computer security. I contacted Experian on XX/XX/2022 and spoke to two representatives ( XXXX and XXXX XXXX. XXXX said he could read me the reports, and I told him that would not provide me any documentation to the results of Experian '' s processing of my disputes. I quoted the section entitled " Contacting Us '' in Experian 's Terms and Conditions : " If you dispute information and receive notice that your results are ready for viewing, but you are unable to view the results of the dispute process online, we will mail them to you. '' I asked XXXX to follow these Terms & Conditions and mail me copies of Report # XXXX and Report # XXXX and he said could not mail them to me. Then I was disconnected. I called Experian again and repeated the same information to XXXX. He said he could read me the reports, which again wouldn't not provide me documentation of the results of Experian 's dispute processing. He would not follow the Experian Terms and Conditions and mail me copies of the two reports ( # XXXX and # 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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
XXXX XXXX used unallowed tactics to drive up late fees and reinstatement fees for several months. 
We do not owe XXXX XXXX anything, they owe us {$250.00}. They used a fraud tactic to produce these false charges. The account was on automatic monthly pay by credit card, but the last few months before cancelling XXXX XXXX, the company began dropping our automatic payment, leavening late fees and reconnection fee. Each time I contacted to inquire about the issue they had the credit card on file still and promised to remove the charges but instead began charging the credit card for the late fees. The fees were disputed and each time they promised to reverse them. They began calling me at all hours of the night. Started not paying the fees and that is what they are pursuing, the illegitimate fees charges thru what I believe is fraud tactics. Have found other customers that the same tactic was being applied. Several credit agencies have tried to collect, but request cease and desist and relayed the issue. Each agency never contacted me again. This is now harassment and purposely destroying my credit. 
Is there no solution available to stop XXXX XXXX from harassing me? I am elderly and XXXX on limited income and feel it is becoming elderly abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
My savings account with XXXX bank was taken over by Citizens bank earlier this year. 
I never really used this account with XXXX, and paid no monthly fees. Citizens has assigned my account to a " One Deposit '' account with a XXXX monthly maintenance fee. 
I called Citizens Bank on XX/XX/2022 and requested account closure. I was assured I would receive a check in the mail for the very small balance left in my account, and once cashed, account would be closed. The customer service rep said that the account would remain open until I cashed the check. Made no sense to me but he insisted he was following procedure. Said I would receive the check with 10 days. I did not. 
I called again on XX/XX/XXXX, and this time the customer service rep said I'll receive a check in the next 5 days. I have no reason to believe this will happen based on the lack of knowledge portrayed by customer service, and I don't want to have to call again and wait forever on the line. I just want to close this account. There are no Citizens Banks located in California, otherwise I'd go directly to the bank. There are no instructions on their website as to how to close an account. Chat service takes hours.I want to close this account before I start racking up monthly fees. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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