vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing about my Bank of America Credit Card. I have enrolled in AutoPay more than once, and the payments fail to be automatically applied as the service promises.

The bank account I wished to be used for autopay appears in my account profile on the mobile app, but representatives could not explain why autopay failed to occur.

Calls to the company have demonstrated the company 's inability to service the account, application, or services. 

The last call was placed on XX/XX/2022, when I spoke with XXXX, who was unable to service the account. I asked XXXX to be transferred to his supervisor. 

XXXX was told esplicitly that my husband was granted full permission to diuscuss this account while I showered. However, when XXXX XXXX, supervisor XXXX came on the line, he refused to service the account without speaking to me again, despite explicit instructions given to XXXX during this recorded call. When XXXX XXXX refused to discuss the account despite this express permission, my husband excercised his legal right to request that the call be reviewed to verify this iformation on the recording, XXXX XXXX refused. 

My husband requested to be transferred to XXXX XXXX 's supervisor, in light of XXXX XXXX 's refusal provide assistance. After quite some time on hold, My husband was transferred to XXXX ( ID # XXXX ), who declined to provide a last name or initial. XXXX patently explained that no one would be able to help us with auto pay over the phone, and refused to provide further assistance in that effort. 

At this point, I placed a three-way call with another company to initiate a balance transfer to close the account permanently, but the call on-the-line with Bank of America was terminated, and no follow up call was received. At this point, I was bound by a prior comittment and was unable to call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 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: CA

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 CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2022-12-02 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: TX

Complaint narrative:
XX/XX/2022, {$1000.00}, Contact XXXX XXXX XXXX to remove the item, all the information is incorrect, they stated that the account was sold to another company. Also, dispute this item and nothing happen. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX  ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. State I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
I recieved a loan for $ XXXX have been deducted {$89.00} per week from my bank account for XXXX weeks. when calling to see the remaining balance I was told there were still {$590.00} principle left and all I was paying was the interest in finance fees. So after paying {$710.00} the company states i have only paid XXXX cents off the principal. This is a predatory lender.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX have been trying to remove these inquiries from my credit report for the past three. My final written request to the credit bureaus was received on XXXX XXXX. They have yet to respond to delete the following inquiries. Please remove immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is the XXXX instance with US Bank where in I have had trouble with escrow recalculation and refunds. 

This complaint is for loan no. 

I have already paid the house tax for the year XXXX, in addition I have also paid the insurance premium for XXXX. 

I had called in early XXXX to get my escrow recalculated and a refund issued for the same. US Bank organizes all these departments differently, so while my tax liability for XXXX was set to {$0.00} no escrow recalculation was done. 

US Bank makes it hard to share information about tax/insurance payments, get escrow recalculated, does not track to SLAs on these requests and when customers call to get status or why there is a delay they are given the run around again. 

I was told my escrow recalculation would be done by XX/XX/XXXX, it was not. On calling in today, again I was given the loop by being redirected to the tax department again who did not pick the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NH

Complaint narrative:
we have insurance payment funds and Rocket mortgage will not release the correct amount of funds to me they are keeping over {$51000.00} over the unpaid principal balance even thru federal llaw which states XXXX XXXX of the insurance loss proceeds ; or the amount by which the release funds exceed the sum of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lamont, Hanley & Associates, Inc.
State: NH

Complaint narrative:
My name is XXXX XXXX Creditor : XXXX XXXX XXXX Customer : XXXX Account : XXXX Billing sent me before i payment {$100.00} and after that I never see billing sent to my home. 
Now i see mail for LHA send need i pay {$790.00}. I see they said im paid or were credited this amount towards the debt {$0.00} Can you check back. Im trying to send email at XXXX but this email cant send. 
I want to payment but I dont have money for pay XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: WA

Complaint narrative:
I was told that I would have a XXXX XXXX interest for the first 6 months of my loan. I have documentation that says I would have XXXX XXXX interest for the first 6 months. I am asking the company to provide the recording of the call where I agreed to the finance terms to try to verify if the company ever informed me of the change in interest rate prior to signing the document. They have refused to offer the call recording that we had where I was told about my interest rate. This very much feels like a predatory bait and switch from this loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing my current XXXX, Transunion and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto 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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing my current XXXX, XXXX and Equifax credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I am disputing my current Experian, XXXX and XXXX credit report and requesting a re-insertion of my auto loan XXXX XXXX XXXX. It was removed from all credit bureaus, therefore, my credit scores have been reporting inaccurate. This is a legitimate dispute, and I am hoping you can resolve this matter. Please reinsert XXXX XXXX XXXX back onto 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 2022-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I send them a letter, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34. They did provide validation in 30-day Debt validation period it has ended and they FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 1666B : A creditor 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 2022-12-02 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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 — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have filed XXXX  XXXX for XXXX XXXX  and paying on the plain. my mortgage is not included in the XXXX  XXXX payment plan I pay that regular. I called XXXX credit agency directly at XXXX and was told that they do not have to report the mortgage to the credit agency. I am pretty sure this is not correct as this is a FDIC insurance back securitized bank. And they are to report all mortgage history accurately what ever the status. I did not file XXXX  XXXX but XXXX, PNC Bank is stating that they can not report until they reaffirm the mortgage. To reaffirm the mortgage means the mortgage is part of the filing of XXXX  XXXX. If that is the case then fraud can occur if mortgages are not reported that makes no sense. I am asking for an investigation to be conducted not this. My car loans that were not part of the XXXX  XXXX reported the payments and that I paid them off. So if that was the case why would they report. So something is not right. I really believe this can be a problem and why mortgage fraud is occurring because if the banks are not reporting it then how would another lending institution know? 

I can be reached on my cell XXXX or email XXXX Respectfully and thank you! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
so I was on the website in the middle of filing out a balance transfer offer of XXXX percent when it kicked me off and when I went back in the offer was gone. I called customer service waiting for a manager and the manager told me she was going to send out convince checks that I can use for the same offers as XXXX percent up to my credit limit I used the manager on the phone 3 times and she said yes no problem at all. so I called back just to make sure and they told me I could only do it up to my cash limit and I said wait a minute the manager said I can use it just like an offer. I was lied to by the customer service manager reps in the Barclays company and they will not honor what I was promised by a manger the call was even recoreded and they confirmed the manager told me that they even have the proof that they won't honor and they basically called me a liar saying that I never filed out the offer halfway which I did and I dont like being a liar they are saying they can't find it which I know I did it and I want this honored just like the manger told it was going to be and the cooperate will not budge and do anything that I was promised by the managers on the phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XXXX XXXX I get messages from bank of america that someone tried to withdraw over XXXX dollars from my account and the transaction was cancelled.When I checked my account someone already managed to spend XXXX dollars at some place called XXXX XXXX  and another charge from an insurance company I have never heard of.I filed a dispute, got my account frozen, contacted both companies and both of them said they cant do anything about it.The charge was made in XXXX XXXX  according to the bank statement i live XXXX miles away from XXXX  so it should be quite obvious that I wasnt the one withdrawing the funds.I contacted the bank and they still havent refunded my money and this is the third time my money has been stolen from this bank.The bank isnt being very helpful and the XXXX dollars total charged are very important to me since im a college student and need the money.I have attached my location for the day which proves I was in maryland XXXX which is my home and not at XXXX  during the time of the transaction.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 monetary relief
Consumer complaint received 2022-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I filed a number of Disputes with all three of the Credit Reporting Agencies, XXXX, XXXX XXXX XXXX. I wrote a Direct Dispute to Bank of America ( B of A ) concerning a specific account, # XXXX, on XX/XX/2022. I have since sent B of A a second Demand under the Fair And Accurate Credit Transactions Act ( XXXX ) and dated XX/XX/2022. B of A is in Gross Violation of FACTA by failing/refusing to answer this letter in reply. I demand that B of A comply with my letter of XX/XX/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 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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