vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Subject : Formal Complaint - Bank of AmericaXXXX XXXX XXXX and Service Issues Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Bank of AmericaXXXX XXXX for significant service and accessibility issues that I believe violate my rights under the Americans with Disabilities Act ( ADA ). 

As a customer with multiple XXXX, which render prolonged phone conversations difficult, I have encountered a severe lack of accessible communication methods with the institution in question. My repeated attempts to retrieve my own funds have been met with exceptionally long hold times, reaching up to four hours on several occasions. As I draft this complaint, I remain on hold, reflecting a distressing pattern of non-responsiveness. 

In my pursuit of a resolution, I scheduled a call with an advisor, only to be redirected back to the same inaccessible line. This pattern indicates a concerning lack of appropriate service and accessibility provisions, constituting a clear violation of the ADA. 

This systematic hindrance, coupled with the institution 's apparent disregard for my concerns, gives me reason to believe this could be a deliberate attempt to discourage customers with disabilities from accessing their own funds, forcing them to continue using inadequate services. 

Having trusted this organization with my funds twice, I am dismayed by the lack of proper service and disregard for my rights as a customer with XXXX. If this situation persists, I am prepared to pursue litigation to assert my rights and retrieve my money. 

I respectfully request the CFPB to investigate this matter and enforce the necessary measures to ensure Bank of AmericaXXXX XXXX adheres to the regulations set forth by the ADA and provides appropriate service to all customers. 

Thank you for your attention to this matter.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA did not close a homeowner 's claim from 2016 on my XXXX XXXX report. This resulted in overpayment of insurance premiums for several years and denial of coverage multiple times. 

I talked to at least 10 people at USAA in the insurance department and no one was familiar with the XXXX  report and no one provided any solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Over the last several weeks, I was told by my bank account ( s ) had charge attempts on my accounts. Multiple times I worked with them and they credited my account! Forced me to consolidate into only one checking account. Issued new cards multiple times went through prof of identity at the bank two times. I was working with the fraud department for many hours many time, over several weeks. The last time they allowed the changes. They wont work with me, or listen to me anymore. They claim Im liable? 
This was a Bank Of American account Ive been a member from 2008. The charges are from overseas after they assured me it could not happen again! I have never made a purchase out of the country or used any of the services that the charges were made from!

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 2023-05-11 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank 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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I noticed significant drops in my XXXX XXXX ( XXXX TransUnion, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX XXXX credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.

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 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I noticed significant drops in my credit score ( XXXX XXXX, XXXX Equifax ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX 's credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HW Holding, Inc
State: WV

Complaint narrative:
I moved out of XXXX XXXX XXXX XXXX 2021 due to extreme mental abuse and negligence from my roommate and XXXX XXXX. They were negligent in enforcing multiple lease rules that my roommate was blatantly breaking, and in turn made continuing to live there, impossible. Now the debt collector, Hunter Warfield, has been harassing me by phone and letters in the mail ever since, for the remaining rent debt of {$5300.00} that I absolutely refuse to pay. They have threatened to sue me and put me in XXXX if I do not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: IL

Complaint narrative:
The Credit Bureaus stated that accounts : XXXX XXXX XXXX Account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. The have also violated my rights under 15 USC 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not finish an account without my written instructions. 
I havent given these accounts written permission to furnish these accounts on my credit report as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 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: Frontline Asset Strategies, LLC
State: GA

Complaint narrative:
The address on their file does not belong to me. This is NOT my account. This is fraud! I am tired of reporting this. XXXX knows this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This debt was a debt that I did accumulate. However, the account that established the debt was opened XX/XX/XXXX which is now beyond the 10 year mark so the account should be removed from my credit report. I had paid the debt off in full XX/XX/XXXX in order to purchase a house. When this payment occurred, the original account on my credit report was deleted and a new one added as though the account was brand new hence starting over the account history. From a credit report prior to the payment, the account numbers are different than what is displayed on my current credit report further proving the account was opened as a new account with established debt and without my consent. I have documentation from these reports proving the matter is inconsistent with proper credit reporting guidelines/requirements and should be removed as this is a violation of fair credit reporting.

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 2023-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
Starting in XX/XX/XXXX My ex-husband was court ordered to pay all expenses associated with the house. This did not happen and the mortgage co and its legal reps harassed, stalked and threatened legal action if i did pay a loan I did not own. In XXXX XXXX XXXX ex husband was awarded the house and I in his Attorney 'S office signed the house over. He was too get it refinanced and out of my name and ownership/loan contracts. Due to extreme intimate partner violence as stated in PA 21-78 these mortgage reps and banks colluded with my ex husband to corrupt my finances, damage my credit and economic abilities as a protected person ( female, mental and physical XXXX and XXXX ) and have harmed me to the point of permeanant XXXX. 
Starting in XX/XX/XXXX I received notice of foreclosures and the litigation process, I could in no way avoid. My ex Never communicated with the bank, attorney 's or mortgage company to settle his affairs. Liens have been placed on the home and he filed fraudulently for bankruptcy leaving me holding the debt that I am legally supposed to be held harmless from and violates basic professional conduct but also violates CGS46b-1. I also frequently communicated with the bank/mortgage companies and they were aware of the financial XXXX. 
I then was served XX/XX/XXXX with the lawsuit and those other people who gave him services he never paid. 
I should not be involved in any of this mess. It is costing me my sanity, health, financial duress to the point of becoming indigent. I have rights, especially as a XXXX person. Attorney 's are empowering this abuse and taking advantage of a battered woman 's financial exploitation and multiplying it. It is unethical and I feel this is a hate crime.

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 2023-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
On XX/XX/2023, I contacted Aspire, a credit card company, regarding an incentive program that was advertised to me. The program offered a {$25.00} credit to enroll in autopay. Upon enrolling the credit did not appear on my account prompting me to reach out to customer service. After reaching out to customer service, the representative ( XXXX ) informed me that my account had been closed due to " inactivity '' on XX/XX/2023. 

I then informed the representative that I had received NO alerts, letters, or details regarding the closure and was unsure how that was possible as ( seen on my statements ) I had just paid off the entire card and used the entire line of credit at the end of XXXX and beginning of XXXX. I relayed this information, however the representative replied my account was permanently closed. 

This closure is clearly a false closure that will affect my credit score. I am seeking help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct # 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 states a consumer reporting agency can not furning an account without my written instruction.

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 2023-05-11 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase XXXX {$2600.00} with a promotion of no interest for 24 months. As of XX/XX/XXXX the balance was {$2200.00}. I was under the impression that if I made two separate payments during the same month that one would go towards the revolving balance and the other towards the promotional balance as their recordings states and the CC terms and agreement. That was incorrect. None of the payments I made towards the promotional balance were credited to the promotional balance they were all credited to the revolving balance. I did not reach out since I thought that they would allocate the payments correctly. I was wrong again. I called on XX/XX/XXXX and told them about the issue and to send 1 year worth of statements. I received the statements and you can clearly see that every month for the past 12 months 2 payments were maid ( see attached ). On XX/XX/XXXX I called again so they can allocate the payments correctly and they said that they can not do that since I needed to call every month and tell them specifically that one payment was going towards the promotional balance. Who has time to call every month and do this? I have a CC with XXXX XXXX and its by Citibank and they never had a problem allocating my payments. If is the same mother company why does Best Buy treat it differently? Is like they set you up so you can pay all this ridiculous interest they offered to waive by the promotion. The representative ( Manager ) said that she could only allocate one of the XX/XX/XXXX payments which is ridiculous given the fact that I made 10 payments XXXX {$100.00} from XX/XX/XXXX to XX/XX/XXXX, {$600.00} on XX/XX/XXXX which should have gone towards the promotional balance of {$2200.00} and payoff of {$650.00} in oppose to {$1600.00} to not pay interest. If I did not pay that amount of {$1600.00} on XX/XX/XXXX the accrued interest that was going to be applied to my account was {$1600.00}. Double of what I owed. So I decided to pay the promotional balance of {$1600.00} as XX/XX/XXXX to avoid any further interest assessed. But Best Buy CC with Citibank are liars and they offer you a promotion so that later you can pay all the accrued interest. They do deceptive lending so people can fall into their tricks and then have to pa all the fees and interest they once promised you to waive in a promotion.

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 2023-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
There are 2 strange unauthorized transactions on my PayPal account to a foreign account. both are for {$500.00} both are from this morning. I contacted my credit union who says the money has not gone through yet, but that payPal would have to cancel it. PayPal says it will be paid on the XXXX. So when I asked them to please cancel those charges as they are fraudulent, they said they could not they had already gone through. ( Even though it still says right now on the website that it will pay on the XXXX. ) All I know is those are fraudulent. I already filed a complaint with the FTC XXXX I was sent a fraudulent cashier 's check. I'm sure it's all related ( I've been on a lot of job boards and I suspect this all stems from one of those interactions. ) How can I insure that the charges will not be paid and will be cancelled? My bank says they can't do anything because there isn't even a hold on the account yet. but that doesn't mean they won't try to withdraw the funds next week. 

Please let me know how we can fix this mess.

Company response to consumer: Closed with explanation