vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: NC

Complaint narrative:
On XX/XX/XXXX I used Bank of America Bill pay to pay a second installment bill to a vendor who replaced windows at my house. The amount was for {$9900.00}. The vendor informed me soon after they had not received the bill payment. I requested a copy of the endorsed bill paycheck on XX/XX/XXXX and it was determined that the check was intercepted and fraudulently cashed. The vendor and I both immediately interacted with Law Enforcement and a Detective in Financial Crimes Unit was assigned. 

I opened Bill Pay Case regarding the incident on XX/XX/XXXX, but having no immediate response, I contacted Bank of America Fraud department. The fraud department also opened a claim after I explained the situation. I called for updates on XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... XX/XX/XXXX. I most cases the only information provided is that it's still " being researched ''. 

On XX/XX/XXXX, I was informed that the Fraud Case was closed and for the wrong reasons ( Fraud at check creation ). I was told that I would need to request a reconsideration, which was immediately done. On XX/XX/XXXX calling for status I learned they closed the Fraud case  and was told I need to speak with the Bill Pay department who then said they were researching. On XX/XX/XXXX Bill Pay department tells me they are requesting funds from another bank and have their own claim but would not provide me the information. On XX/XX/XXXX I call, and I'm told they are working with the Federal Reserve, and it could take 3 months to 3 years. I requested case information to be mailed and was just sent the online Bill Pay messages with no information. On XX/XX/XXXX I call and am told that it should take years, I should see the funds returned in the next few days. On XX/XX/XXXX I call asking for further escalation and am again informed that it can take up to a year and they can not credit my account until they get funds from the Federal Reserve. 

Issues here are that Bill Pay team and Fraud team are confusing as to whom to call when. And internally they also do not seem to understand who handles stolen Bill Pay checks as I'm transferred back and forth, and claims are opened then closed. There also seems to be no protection for the consumer where it has been proven that this check was stolen, leaving the consumer with the weight of having to pay an enormous bill to a vendor who never received their payment. If you can not trust Bill Pay to pay the bills and protect you when fraud occurs, why use such a service or bank with such a company?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
Account Affirm Inc Account # XXXX Account Type Installment Status Current Opened XXXX High Balance {$0.00} Payment {$35.00} Balance. THIS ACCOUNT IS NOT MINES THEY WONT PROVIDE PROOF OF MY AUTHORITY. 
{$35.00} Date Reported XXXX Amount Past Due {$0.00} XXXX XXXX XXXX XXXX XXXX Condition Open Responsibility Individual Creditor Contact : XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
made one {$200.00} payment over phone and they withdrew 4 payments of {$200.00} on monday XX/XX/XXXX... we called they said they would call me back in a few mins.they never did.so i checked my checking acct. tuesday XX/XX/XXXX they re turned 2 of the payments that where illegally took on the XXXX but fifth third took another payment on the XXXX fifth third took a total of 5 {$200.00} payments when i only authorized 1 payment of $ XXXX.and told me i have to call in 7 day and begg for the return of the4 other payments fifth third took using an illegal wire transfer that fifth third use to steal my money in the first place... so i cant pay my bills and she said we could always cut your credit line on you! so even though i have had that acct. 10yrs. plus i great standing fifth third is going to threaten me because of something they did that is illegal! Please HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX acct # XXXX2 15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXXXXXX {$120.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-14 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian Information Services has violated my privacy by reporting a fraudulent account on my credit report from XXXX XXXX XXXX XXXX. They had 4 days to block information that was reported as fraudulent. Today is XX/XX/2023 and the account has been updated and verified as accurate. Attach is a copy of the Police report that filed. Please delete account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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: TX

Complaint narrative:
I have tried to reach out to the creditor, XXXX XXXX, and could not obtain an address nor phone number. I researched the companies name and according to the XXXX the company is nonexistent and/or closed. I then tried to reach out to Transunion to validate, verify and remove this collection. I have not received a response and it has been over 30 days. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of the mailed letter. This is considered a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: OH

Complaint narrative:
Our mortgage was serviced by XXXX before being transferred to XXXX XXXX when XXXX was acquired by XXXX XXXX XXXX. We had an escrow analysis done this past month ( after successfully getting our PMI removed after an appraisal ) and instead of our payment going down by the PMI amount, it went up by over {$200.00} a month. The company is claiming our taxes went way up ( they didn't. Our taxes and hazard insurance increased by {$360.00} total for the entire year, but according to the company they were calculating our taxes based off of a tax amount that hasn't been accurate for several years, but county records reflect accurate payments. When I asked for the escrow analyses over the last several years, they claimed they don't have them and that I need to go to XXXX to get them. Obviously that's impossible because XXXX no longer exists. BSI Financial should have all documents from the life of the loan, but they are claiming they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX BALANCE NO KNOWLEDGE OF THIS ACCOUNT CAUSING MENTAL ANGUISH DESTROYED MY CREDIT SCORE AND CALLING ME HARRASING ME ABOUT PAYING WITHOUT PROVIDING PROOF SIGNATURES OF ME SIGNING ANY AGREEMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: MT

Complaint narrative:
My Ally Bank CD matured on XX/XX/2023 in the amount of {$170000.00}. Ally Bank was notified on many occasions, both oral and written that I will be closing my CD at maturity. The written and oral correspondence to close my CD is immense and started on XX/XX/2023. Instead of closing my CD, Ally Bank renewed my CD. Ally Bank has not corrected this matter, even though the written documentation between us states otherwise. On XX/XX/2023, I asked Ally Bank to have their supervisor with authority call me to resolve this matter immediately, no call to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
in accordance with the fair credit reporting act XXXX  Account XXXX XXXXharley davidson , XXXX XXXX XXXX has violated my rights 15usc 1681 section 602 sates i have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consomer reporting agency can not furnish a account without my written instructions 15 USC 1666b A credito may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XXXX of XXXX I was getting a free online credit check from XXXX XXXX. This was a free service given to me by XXXX XXXX. When i received the check it stated that I had a Synchrony/Amazon Credit card with an outstanding balance of XXXX. I contacted Synchrony Bank/Amazon and through several phone calls they told me that the account was opened via email in XXXX of XXXX. I told them I had no memory of doing so, and afterwards was positive I didn't open the account. They stated that the account was opened XXXX eve... I then checked my email and realized that my email received notifications that an account was open and that at several times in XXXX there were tardy payments and that payments were made to this card. The card was not used ( I believe until XXXX and XXXX of XXXX. The credit card utilized an email ( Yahoo.com ) that was used infrequently, and received many bogus spam notifications. My main email is a gmail.com account. I learned when I contacted Synchrony to tell them of the fraudulent card they used my cellphone number and address to start sending me late notice notifications and harassing phone calls. I have three Bank accounts with credit notifications and since I notified Synchrony bank they have had all the banks drop my credit ratings. 
Up to this time I didn't know it was possible to open an account via email. I have an Amazon/XXXX  account in which I have had for several years. It is apparent whomever opened up the Synchrony/Amazon account opened up a different account with this credit card. 
I also opened up a Police Investigation with my local police department. It has been understandably slow with them, I feel this is not a priority with them. 
Several attempts have been made by myself to request where the items were sent to, how Synchrony bank received the payments but they are refusing to release that information. 
I also opened a XXXX Investigation and they advised Synchrony bank was to vacate the erroneous information but they haven't.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Data Systems
State: NC

Complaint narrative:
Medical bill disputed with provider was sent to Financial Data Systems. Have made repeated attempts to contact this company in regards to bill. Can not get a response in any form. Have disputed the hit on my credit with XXXX and XXXX and disputes get kicked back as dismissed with no contact from the collection agency or anyone representing them to give me information to resolve the debt. At this point my credit is being negatively affected by a collection company that will not do the basic minimum required to settle the debt beyond continually holding the debt and not communicating. It goes without saying if i can not communicate and establish any type of payment or get a response how is it remotely fair to continue to keep hitting my credit for this debt. After the 4th dispute for lack of communication I assumed someone would have at least emailed, called or sent paper mail in regards to the debt. It is asinine to have to be held over the fire by a company that does not do the bare minimum legal requirements for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I used my atm card issued by upgrade and did not receive any funds I tryd processing the same XXXX withdrawal transaction 5 different times because I kept getting error message andy car note was pass due. Finally after the fifth attempt I left the ATM totally unaware that what that error messages code it was displaying some in regards to them taking my money. nevertheless once I found a total of XXXX was missing from my upgrade checking account I immediately called upgrade to dispute the missing funds. Upgrade failed to do a proper investigation and as yesterday XX/XX/23 they representative told me they were unable to provide documentation used in the investigation to deny my ATM. Upgrade has clearly violated my Consumer rights by not giving my money back, providing documents in a timely manner and by not communicating none of this dispute process with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2023-03-14 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: 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 2023-03-14 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: 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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
I was contacted by First National Bank of Omaha about Best Western Mastercard opened in my name that they suspected was fraud. I received the card, but upon contacting the bank they had said person had tried to call and re-direct card to Florida address. No charges were made against the account and card was closed. Want to make sure safeguards are in place to help stop this in the future.

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