vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
During the pandemic I applied for a loan through sun XXXX XXXX. Just like everybody else we were experiencing hard times during the pandemic. XXXX XXXXXXXX XXXX approve me for a {$3000.00} loan or so I thought. They claim to put it direct deposit in my account at Bank of America. I thought that everything was fine. I started to pay my overdue bills and my card kept shutting down so I would call the bank and ask them why they would shut my card down I did this XXXX times each time they unlocked my card. On the XXXX time that I called I was very very irritated because it was happening every time I use my card. When I contacted the bank I was put on hold for over XXXX minutes then I had a bank representative tell me if they were canceling my checking account they said it was because of a difference of opinion I was a banking customer with Bank of America for over 11 years I had a safe checking account with them. Needless to say I was completely dumbfounded. When I ask to speak to a supervisor or a bank XXXX I was denied and hung up on. Well of course I called back and demanded to speak to a bank XXXX I was told that it was a {$3000.00} claim supposedly made by me on my checking account and that they had given me a {$3000.00} credit. I was flabbergasted to hear this. I asked the bank XXXX why would they give me a {$3000.00} credit on a claim right away when before when I had made a {$20.00} claim because a machine charged my account twice they made me wait to complete the investigation before giving me my {$20.00} back. Why would they give me a {$3000.00} credit on a claim that I never made. I asked the bank XXXX who was it that made the claim did they ask for credentials or anything of that nature. Well with that I was flabbergasted I tried to contact XXXX XXXXXXXX XXXX who I could not contact anymore. But I did manage to keep all the correspondence with them and I explained this to Bank of America who was supposed to protect my account with my safe banking. Well with that the money that I have spent on bills was now owed back to the bank for a claim I did not make. My account was shut down and they kept my direct deposit from Social Security to pay back this money. Then to top it all off they completely destroyed my credit and any other chance of continuing to bank with a reputable Bank. Bank of America is not that safe when they say safe banking. After calling constantly and trying to talk somebody with some sense that would help me with this matter. They allowed me to open up a new account with numerous restrictions. They still expected me to pay back what I had used for bills during the pandemic. Bank of America is not a good bank at all.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I identified items on my credit report that are the result of identity theft, as I did not authorize or give consent for my information to be used to create them. I have sent the Identity theft report, proof of residency, government issued ID, and a letter identifying each item. There are still items remaining on my credit report that should be removed by now. Tracking confirms all documents were received by Transunion on XX/XX/XXXX. So, these items should have been removed by XX/XX/XXXX. Today is XX/XX/XXXX. The remaining items must be removed immediately. 

I will be including the tracking data from the XXXX priority tracking number associated with 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 non-monetary relief
Consumer complaint received 2023-01-10 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: FL

Complaint narrative:
Equifax has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Equifax has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that they requested Equifax to delete the accounts but said accounts are still being furnished. In fact, my credit file has not been updated since XX/XX/2022 which still details the fraudulent accounts. Both XXXX and XXXX note the lawful changes but Equifax refuses. Equifax has monetarily benefitted from defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX payments were swept from my checking account. XXXX on XX/XX/XXXX for {$550.00} XXXX on XX/XX/XXXX for {$550.00}. The first when I scheduled the second one was an electronic issue. I have been calling since I received an email that this duplicate payment was on my account from Bank of America. As of today I have not received my refund and was assured that it would be in my checking account at XXXX oclock this morning. Now a supervisor is telling me that it will take up to 60 days. I make my payments on the Bank of America card website. The bank that I pay my payment from is automatically populated into the payment window. Somehow so all the electronica processes they swap another payment even before the due date. The statement balance was paid on XX/XX/XXXX. I have spoken to many many people and have it written down time and dated who I spoke with and every story is different. All I want is my {$550.00} refund.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To Whom It May Concern, My name is credit card account # end with On XXXX, XXXX I cash two checks from XXXX XXXX XXXX # XXXX {$6700.00} transaction date XX/XX/XXXX with 0.00 % interest Promotional rate end date XX/XX/XXXX and XX/XX/XXXX check # XXXX {$5500.00} with 1.99 % interest Promotional rate end date XX/XX/XXXX. 
I made the Minimum Payment on due date each month doing autopay. On XX/XX/XXXX I made the payment over the phone automated phone payment for {$5400.00} and the payment go thought successfully. Until after a week of so when I check online and see the payment didnt go thought, so I made another payment with the same amount of {$5400.00} on XXXX XXXX which is it is still paid on time with 0.00 % interest promotional rate end date XX/XX/XXXX. 
On XX/XX/XXXX when I call Bank of America regarding why there is twice auto payment withdrawal from my account for {$59.00}. The representative on the phone said there is a promotional offer with my account end with XXXX. So I took the offer and she help me transfer {$7000.00} to my XXXX Credit card on XX/XX/XXXX with the fee {$210.00} paid. Since I took the new offer so I also paid off the balance own from the promotion for 1.99 % interest promotional rate end date XX/XX/XXXX with amount of {$5100.00} the same date XX/XX/XXXX. After a coupon date pass by when the XXXX statement came out and there is an interest charge of interest of {$100.00} came out of no where. I be calling Bank of America to get this resolve and get no where.

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 2023-01-10 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: CO

Complaint narrative:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had fraudulent transactions on my card that used to end in XXXX and now ends in XXXX. I was told that they could not mail me a new physical card because all card numbers were exhausted. 

I was then directed to the special handling team to get a new account number. I was read a disclosure and was specifically told that I would receive a new account number within that day on XX/XX/XXXX, even though I didn't. I was also told that there would be no hit to my credit report and everything would stay the same. 

MY reference number is XXXX. I still have not received the new account number, and i was furthermore told today that the current account ending in XXXX will close within 5 business days of putting the request for a new account number, even though the new account number can take up to XXXX busines days to process. 

So now I'm basically in a situation where I may not have an american express card for some time as one account is closed and the other is still being processed. this makes no sense.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: TN

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 2023-01-10 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: TN

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 2023-01-10 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: TN

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 2023-01-10 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: SC

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 XXXX account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STOCKTON MORTGAGE
State: TN

Complaint narrative:
I closed a conventional mortgage refinance loan in XXXX of XXXX with Stockton Mortgage with the " investor '' being Fannie Mae. At the time of the refinance, the loan did require PMI due to originally being made above 80 % of cost/value. On XX/XX/XXXX I submitted a PMI Removal Application per the instructions provided by Stockton Mortgage through email and received a response that they had received and would let me know any further info needed. The next response I received was on XX/XX/XXXX indicating that XXXX had ordered a valuation and that I would be contacted within 7 days to get that scheduled. I did hear promptly from the XXXX and communicated with him through XX/XX/XXXX last of which was confirmation from him that the report was complete and had been provided to his client ( Stockton Mortgage ). On XX/XX/XXXX I emailed XXXX to confirm status of the request and they replied that " the report has not been completed or provided to us by the investor. '' When I heard nothing further, I sent a follow up email to check status on XX/XX/XXXX and on XX/XX/XXXX I received a reply stating " the investor has requested some paperwork from us to review before they complete the report. We will let you know when they have submitted the completed valuation ''. Again, I heard nothing so sent a follow up on XX/XX/XXXX asking about status and received a response on XX/XX/XXXX stating " the process is not completed yet. We will contact you upon completion '' with no further explanation or detail of what further was needed. I received absolutely no communication until I again sent an email on XX/XX/XXXX. I received a reply XXXX stating that " the investor is looking for a copy of the XXXX XXXX and XXXX Deed with the legal description included. We have been trying to obtain this documentation for quite some time now. Would you happen to have these in your file, and if so please forward a copy to us? ". I was able to obtain these documents and send them them by XX/XX/XXXX and asked why they had not requested the documents from me sooner with no response. 

The last email I received on XXXX indicated that the documents were uploaded to the XXXX portal and they would let me know when they heard back from the investor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc
State: TN

Complaint narrative:
They are refusing me my official transcripts stating that i owe money that i believe i do not owe and the XXXX XXXX XXXX XXXX XXXX passed a law on XXXX XXXX stating a school can not hold official transcripts as a way of making a student pay a bill owed to a school institute that it is seemed abusive and keep a student from being able to get a job in the future because jobs usually require a transcript. And also regarding the balance i was awarded a XXXX dollar scholarship once i had started the program and received a phone call from XXXX XXXX stating i would no longer have to pay. I had made XXXX payments adding up {$92.00} which left a balance of XXXX. Beginning balance was XXXX. If i was awarded XXXX scholarship and you take away the XXXX i had already paid and the XXXX that was left over that leaves and extra XXXX that should've came back to me however the school stated they do not give refunds on money left that it will be applied to future terms. Then soon as the future term came up the money disappeared and i have made many calls to the school disputing it and they say they would look into and never did. I called repeatedly and after a full year of me disputing the balance no one ever got back with me until i started asking for my transcript. I was also called by a man i don't know if he was from the company that services their private loans or a man female the school that called me in XXXX of XXXX stating that i would not have to pay the remaining balance because my house was crushed during the tornado that came through at the time. I've even tried paying some of the balance and the state they wanted it in full before i could receive my official transcripts. Which i then was notified about the law passed by the CFPB stating schools could no longer hold official transcripts due to money owed and i let them know and they told me to have my lawyer call their CEO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: CT

Complaint narrative:
I applied for a card via Credit Karma through their approval guarantee, application was submitted to XXXX, denied, reasons include a prior personal loan account since charged off ... A case was opened with XXXX XXXX, case ID # XXXX. I've been emailing back and forth with their rep ( s ), a copy of reverse action email sent to them numerous times .... Their reply indicates they can not see full document and or experiencing trouble viewing it, do not have the email ( s ) available to refer back to... I've since sent screen shots of email to them, have not heard back in re... I suspect Credit Karma is attempting to deny their guarantee by claiming they are unable to view email or something in email voids guarantee... The FTC has gone after Credit Karma regarding their pre- approved claims pertaining to credit cards, it appears their credit guarantee. falls into same category.. I have copied article from FTC site here : https : XXXX. 

I've attached again screen shots of reverse action notice from XXXX, no reply in re to this from Credit Karma..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Refinanced mortgage XX/XX/XXXX to remove PMI. XXXX XXXXSLS deliberately undercalculated my insurance premium ( which I didn't notice, of course ) and tacked the shortage onto my mortgage in XX/XX/XXXX. I opted to purchase cheaper coverage to try to get my mortgage closer to what it had been. I purchased a replacement policy XX/XX/XXXX to be effective XX/XX/XXXX. Somehow my existing insurance carrier cancelled my policy on XX/XX/XXXX, in spite of my request to continue coverage until XX/XX/XXXX. 
I sent the refund check I received from my previous carrier to SLS upon receipt using the letter sent to me by SLS ( which DOES NOT indicate endorsement is needed ) on XX/XX/XXXX to be delivered on XX/XX/XXXX via First Class mail. I received the check back with a letter saying that I needed to endorse the check on XX/XX/XXXX. This could have been avoided if those instructions were INCLUDED with the letter requesting the check. I received another letter the same date saying that I would be charged {$260.00} for insurance premium ( that was actually {$160.00} ) if I didn't provide proof of coverage from Branch and XXXX 's mishandling of the replacement policy and cancellation. Overall, SLS has been a nightmare and I regret ever doing business with them.

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has allowed fraudulent, derogatory information to be furnished against me that has been proven to be unfounded. Transunion has failed to adequately investigate accounts upon written notification from me that the accounts were fraudulent or inaccurate. These creditors have provided proof that the information was fraudulent or accurate, contrary to Transunion 's exclaims of accuracy. Transunion has monetarily benefitted from defaming my character.

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 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo mediation program XXXX is the location from XXXX, XXXX  and that is where i found out that each of the XXXX different responses that were responded requested XXXX and XXXX. This was just XXXX out of the other well Fargo case file claim i attempted to file in hopes of getting my accounts fixed and get the refunds that me and my family deserved. Deposits coming from XXXX  XXXX XXXX was coming in for response was due and i had no options but to use my orginal checking account ending in XXXX in order to get any claim resolution from XXXX  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 explanation