vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I filed a previous complaint : COMPLAINT ID XXXX. 

The bank refunded the monthly fees that were charged over a 12-month period. However, the action was a violation of 15 USC 193e- Preauthorized transfers. The banks policy to charge accounts that dont meet the dollar amount of deposits, did not give them permission to access my account and take out a monthly maintenance fee. 

I did not give the bank preauthorization to electronically take a monthly maintenance fee from my account. I have listed the appropriate Title 15 codes that substantiate my claim that I am entitled to treble damages. The bank is liable for acting without authorization and should pay the treble damages. 

Pursuant to 15 USC 1693e ( a ) A preauthorized electronic funds transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. ( b ) In the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer.

Pursuant to 15 USC 1693f ( b ) Correction of error ; Interest. The bank did not provide me with a copy of a wet signature or anything in writing that gave Bank of America authorization to take money from my account.

Pursuant to 15 USC 1693f ( e ) ( 2 ) Treble damages. ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. Then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) of this title.

( f ) Acts constituting error. For the purpose of this section, an error consists of- ( 1 ) an unauthorized electronic fund transfer ( 6 ) a consumers request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter.

I am requesting that the CFPB review this information and request that the bank pay treble damages that I am entitled to in order to fully resolve this matter. 

Thank you, 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 monetary relief
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
When the mortgage was with XXXX XXXX, I called about getting my XXXX  removed. They sent me a letter that explained what I needed to pay to have the XXXX  removed. I paid the additional amount to get to 80 % XXXX and have the XXXX  removed. Before I could confirm that everything was in order, XXXX XXXX sold the mortgage to MrCooper and would not talk with me any longer.

I chased and had to call MrCooper every other week for 2 months in order to get the principal payment applied to my mortgage. Finally, the payment was applied to principal ( which should have occured before XXXX XXXX moved the martgage to MrCooper ). Now when I ask if I paid XXXX  while the mortgage is at MrCooper, the MrCooper folks tell me I paid {$44.00} over 2 months to XXXX. I requested they refund the money to me. They explain that according to their notes over the last months, I did not do what was required and when it was required. They will not refund the {$44.00} to me, explaining their process was satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
When AidVantage took over my student loans, I was previously paying on the same student loans and my monthly payments were approximately {$350.00} dollars with the same interest rate and same style plan. Last month the payment amount that AidVantage made me pay was {$480.00}. I called them at this time and asked them as to why on any other federal student loan borrower I had been working with they were charging so much more for repayments of the exact student loans. They stated that they would have a person look into this. It has now been one month and I have heard no word back from this on this issue. 
Fast forward to today, I received my bill from AidVantage and I will now be required to pay {$630.00}. This is even more than what they charged me last month. I then called this morning and was on hold for approximately 45 minutes before I even was able to visit with a customer service person. When I began visiting with the person, they were not interested in listening to the concerns I had with why I am being charged so much more with their company than any other Federal Student Loan I have been associated with. She instead continued to try and include that if I had problems making payments there are other payment options available. I tried to tell her that at this time I did not want to consider another type of repayment plan, I just wanted to visit with someone that could look into why with AidVantage I am now required to pay several hundred more dollars per month on the same student loans on the same types of plan I have been on with other Federal Student Loan providers. If she could not help me with finding out this information, I asked to speak with someone that could further look into this. At this time she pushed the phone line over instantly into the ending portion of a phone call when the person is asked to answer the questions for customer service feedback. She did not say that she was doing this or that she would try to work with me on getting someone else that could possibly help with my concerns. 
I then went to their online portal and sent in this information as well to them through e-mail and have once again requested to speak with someone that would possibly be able to help me understand why payments are now significantly more per month with no changes in my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
I was reviewing my credit report, I noticed a few accounts in collection that I did not open. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NCA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
XXXX is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. Ford Motor Credit - Omaha Service Center Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX  SUNRISE COLLECTIONS AGENCY ESTABLISHED AN ACCOUNT AND HAS BEEN ATTEMPTING TO COLLECT A DEBT ORIGINALLY FROM XXXX XXXX XXXX NOW MY PERSONAL INFORMATION HAS BEEN SOLD FOR A THIRD TIME TO ANOTHER THIRD-PARTY AGENCY XXXX XXXX XXXX XXXX XXXX WITHOUT MY CONSENT. BOTH AGENCIES ARE CONTACTING ME NOW IN AN ATTEMPT TO COLLECT SAID DEBT. ACCOUNT IS PAST THE STATUTE OF LIMITATIONS AND THESE DEBT ACCOUNTS KEEP APPEARING ON MY CREDIT FILES CAUSING DEROGATORY MARKS OVER AND OVER AGAIN. I HAVE ALREADY DISPUTED THE ORIGINAL DEBT AND HAD IT REMOVED FROM MY CREDIT FILES, NOW THE DEBT HAS REAPPEARED YET AGAIN WITH AN INCREASED AMOUNT OWED.

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 2023-10-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I completed my education in XXXX with student loans which I been paying without any break since XXXX. The only thing is the original servicer turned over the payments to navient and recently I tried to get the information from navient and the they saying I have had the loans since XXXX. I wanted to find out if I qualify for loan forgiveness since I have paid the loan since XXXX without any break.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My cards were charged and the company Paypal and Synchrony stopped taking my payments. They were charging inactive bank account during the fraudulent activity. One card was paid on time and still being paid on time and still being marked late, collection. Still being charged {$34.00} a month without my consent. Can not cancel the accounts or continuous charges.

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 2023-10-04 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX on return receipt : Macy 's XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX - Order # XXXX. 

On XX/XX/XXXX I returned a purchased item to a Macy 's store. The receipt says to " allow XXXX business days for the shipment and processing. '' XXXX business days from XX/XX/XXXX is XX/XX/XXXX. 

I called on XX/XX/XXXX to inquire about the refund. I spoke with XXXX ( sp? ) and was told that the tracking slip said the returned item delivered on XX/XX/XXXX so I should see the refund within a week. I also asked about interest accrual and was ensured that the interest would be credited along with the purchase price of {$56.00}. 

It's now XX/XX/XXXX and I still have no refund. I tried calling the credit card service line twice today. Once, the automated message said that they can't access their records right now and to call back later. I called back and got through the automation to hold for a representative. After holding for XXXX minutes it dropped my call.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN AND XXXX REMOVED THE FOLLOWING ITEM FROM MY CREDIT REPORT IN RESPONSE TO AN FCRA VIOLATION I REPORTED. THEN, ON XX/XX/, EXPERIAN AND XXXX ADDED BACK THE ACCOUNT ONTO MY CREDIT REPORT WITHOUT NOTICE. THIS IS A SERIOUS VIOLATION OF MY RIGHTS UNDER THE FCRA. 

ABSOLUTELY, UNACCEPTABLE!

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.

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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has been holding my money hostage since XXXX XXXX XXXX I sold a car over the XXXX  and had {$6000.00} deposited via XXXX. Almost immediately they froze my account for review. I called and explained the situation. I explained said person gave me {$4000.00} in cash and sent the remainder electronically. I even offered to provide the transfer of title and show them the conversations between I and this person. Since then Ive learned that this person is trying to scam me and reported the transaction as not authorized after they sent me the money. Once again, I explained this situation to Capital One and offered to show receipts of messages back and forth between this person. It has been over two months and the only responses I have received from Capital One is generic emails saying my account is under review. I received an email even stating my accounts were closed however they would transfer any remaining balance to linked accounts. That still has not happened. I am still able to login and see the balance in the account but it says it is unavailable for withdraw. How can they just hold on to my livelihood like that for months? I need this resolved immediately and they wont even consider the fact that someone is actually trying to scam me even after providing proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting 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 am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that I have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identtiy theft and there is fraudulent accounts reporting on my credit. 

1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$390.00}

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I have two companies making sure this affects my credit on bad faith 1/ XXXX. I dont owe anything to XXXX reason I k ow is because Im with XXXX and theres no pending bal. I dont owe them anything like they said on the report that I do 2/ the other is with some credit bearue for XXXX XXXX. They are charging me for a bill I assume its a medical bill I have had insurance the whole time I should have not been charged I have tried to dispute that and havent received any response since the year they marked me for collections til today 2023. 
I want to demand that thoes get deleted off my credit since its nothing to do with me owning them anything. 
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
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I have attempted to get this collection off my credit for years now. The CFPB has helped me once and it was only took off my XXXX report. I have filed a dispute with XXXX and they conducted an investigation regarding HUNTER WARFIELD and they had it deleted off my credit report along with the amount of {$3800.00}. The original creditor was XXXX XXXX XXXX  XXXX XXXX. I have also attempted to file a dispute with XXXX regard the collection but I can not get any help to have it deleted. Either the web site wont work or I keep getting transferred to different people. The issue has been going on with XXXX for approximately 3 weeks with no help. 

I should of never had a collection. I left the home with a $ XXXX. The CFPB along with XXXX conducted an investigation and deleted Hunter Warfield from XXXX and XXXX. It needs to be deleted from XXXX. I will not pay something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: KS

Complaint narrative:
After opening my XXXX XXXX with Huntington Bank, the payments have varied up to {$200.00} differences. I was told it is due to the difference in cycles such as XXXX had XXXX XXXX  and XXXX had XXXX XXXX. Then if I pay a different amount their system does not recognize the payment made, even if it was MORE than the amount due. When I call, I get different answers every time and different calculations. I understand rate changes on my variable rate. However, how can every month billing cycle have more days than the month? I think they are taking me to the cleaners and do not expect the general customer to understand. 

THE MUST BE INVESTIGATED FOR DECEITFUL PRACTICES! Thet could be doing this to so many people who think this is normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
( XXXX XXXX XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), ( XXXXXXXX XXXX acct. ending in XXXX ), ( XXXX XXXX Bank accounts ending in XXXX and XXXX ), ( XXXX XXXX XXXX acct. ending in XXXX ), ( XXXX  XXXX XXXX accounts ending in XXXX and XXXX ), ( XXXX XXXX accounts ending in XXXX, XXXX and XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Data furnisher 's accounts and inquires listed below, have certified to the Consumer Reporting Agency. Information that is misleading, inaccurate, incomplete, unavailable or a result of fraud and or identity theft. Metro2 compliance violations. Delete these accounts now. 
( XXXX XXXX XXXX XXXX accounts ending XXXX, XXXX, XXXX, XXXX, XXXX and XXXX ), ( XXXX XXXX  acct. ending in XXXX ), ( XXXX XXXX XXXX  accounts ending in XXXX and XXXX ), ( XXXX XXXX XXXX acct. ending in XXXX ), ( XXXX XXXX XXXXXXXX accounts ending in XXXX and XXXX ), ( XXXX XXXX accounts ending in XXXX, XXXX and XXXX ). 
Areas of these data furnishers reporting effected by this : Original Creditor Name, Creditor Classification, Term Duration, Portfolio Type, ECOA Code, Date of first Delinquency, Date Closed, Special Comments, Actual Monthly Payment, Payment Rating, Charger of Date, Date of last Payment, Payment History, Account Status, Account Type, Credit Limit, Highest Credit, Term Frequency, Segment Identifier, Account Number, Account Identification Number Change, Compliance Code, Consumer Information Indicator, Address, Name, Phone Number, Date of Birth, Social Security Number.

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