vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I am the Personal Representative of the estate of my brother. He was receiving distributions from the federal Thrift Savings Plan monthly into his Bank of America checking account, via ACH. These distributions continued after his passing until the TSP processed the death notification. Bank of America closed that account as part of the estate resolution process, but two distributions were sent to the bank after the account was closed. Those two distributions, totaling {$4000.00}, are entirely missing.

TSP claims they were not returned from Bank of America and has issued a 1099 reflecting that amount as having been distributed.

Bank of America claims to have no record of having received those distributions. I spoke with Customer Service at BofA and they informed me that they would not research this issue further unless I could provide ACH transaction trace IDs. I have requested TSP to provide those IDs but they are unresponsive. 
There is no reason to suspect that the distributions via ACH did not reach the bank since this had been functioning properly for many months prior to the account closing.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/2023. I was trying to make a cash deposit, of {$580.00}. with a ATM. An Error message said, the machine was having trouble reading the bills please take your cash and try again. The ATM did not return the cash. I waited for several moments, but the cash never came out. I went inside the bank to speak with someone. The manager said the would have to do an audit of the ATM to retrieve the money. I was told an audit would be done later that day and someone would call me with the results. ( I was never called. ) After a few days I wet back to the bank to see what happened. I was told the ATM audit had not yet taken place, and would not be dune until later that week. I was told someone would call me buy the end of the week with the results. ( I did not receive a call ). I went back to the bank the following Tuesday, and spoke to the Branch Manager. He told me the audit was done, but there wasn't an imbalance. I asked them to look at the camera footage. They told me they will not do that, with out a court order. I have spoken with Customer service several times. I have not yet received my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: CT

Complaint narrative:
I have set up auto pay on my Bank of America credit cards. My payments have not gone through several times. I have called Bank of America several times and have been told : setting up auto pay through the app doesnt work ( I then set them up on the website ) set up payment notification by email ( sometimes I get them, sometimes I dont ). I will get instead an email that my account is past due. I have set up auto pay four times on both my credit card accounts. In the meantime Bank of America is charging me late fees.

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 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
On the month of XX/XX/2022, I left XXXX without any debt. In XXXX I received a bill that XXXX was about to pay me {$110.00} for over billing. I called the company because the bank account were they were supposed to deposit the money was closed. They did not refund the money. Then 3 months later I received bills for {$98.00} and I called XXXX to ask about it. They did not answer me why they were charging me neither the amount they were supposed to refund me. In XXXX I received a letter from XXXX a collection company and they stated that I could file a claim online and that after XXXX business days, they will give me an answer. They never answered. I called XXXX time before XX/XX/XXXX and nobody return my calls or answer. No I have a credit collection that I should never have it in my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of Dispute- $ XXXX Medical- I have insurance and told them all the information and to go after them ... .they didn't do that and sent me to collections- Radius Global Solutions ... I told Radius the same thing ... .go after the insurance company- XXXX XXXX XXXX .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a XXXX  XXXX ... .Thanks

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 2023-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
This concerns a savings account with Valley National Bank. My mother first opened this account on my behalf in XXXX as a Kids First Savings Club Account, which had a {$1.00} minimum balance. Her intention was to save money for my future, as I was a XXXX  at the time. 

In XX/XX/XXXX, I for the first time received a mailing stating that months of low-balance fees had been applied to my account ( attached as p. 1 ). I had no prior notice that my accounts balance was too low or that the minimum had increased. 

On XX/XX/XXXX, I went to my local branch and attempted to resolve the issue. They informed me that the account minimum had increased from {$1.00} to {$300.00}. They also gave me an account statement ( attached pp. 2-3 ) indicating that low balance fees have been applied to my account every month for 13 months, totaling {$65.00} in low-balance fees, and that they had been charging a dormant service charge of {$9.00} per quarter, or {$27.00} over three quarters. These fees total {$92.00} on an account that originally had {$210.00}, erasing 42 % of the accounts balance. My only notice of these fees was the XX/XX/XXXX mailing. 

On XX/XX/XXXX, the bank told me they would reverse one years worth of charges, or {$53.00}. However, they refused to reverse the {$39.00} of remaining fees. I told them that these fees were unfair given that I had received no notice of these fees, and they could not produce evidence that they had given notice. 

I am filing this complaint because of Valley National Banks  predatory practices preying on consumers who wish to save money for their children, and then decimating the accounts value by charging fees without giving notice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I was about to move across country when my XXXX broke. I went online to buy another one, and was offered a payment plan by Apple. I accepted the offer and used my current email address on the application. My XXXX arrived, I moved across country and went about my life. Unfortunately, Apple was sending billing statements to the old email account that was used to originally setup my apple account, instead of the new email I used on the credit app, and I never received a bill. It took a few mohths before I finally realized that I had not recieved a bill, so I called apple and paid the entire account in full. I asked the agent on the phone if everything was taken care of, or if I needed to do anything further, and she assured me all was good and this would not affect my credit. 

Months later, even though I had not recieved any bills to my email or phyiscal mailing address, there was a 30 and 60 day late notice on my credit report from Apple. When I called to find out why, apparently there was an interest charge of around XXXX cents that did not get paid off when I had called to pay off the account previously. I paid the XXXX cents and closed the account. Now apple refuses to remove those late transactions from my credit report because my account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I experienced a highly unprofessional handling of my home mortgage process with Wells Fargo. The initial promise that my mortgage was ready to be signed following XXXX XXXXXXXX XXXX XXXX  leave turned out to be misleading. Subsequently, my case was handed over to XXXX XXXX and XXXX XXXX, who exhibited minimal communication throughout the process. Even after successfully passing the co-op interview, the process of scheduling the closing hit a roadblock due to Wells Fargo 's failure to respond to my lawyer 's emails. Only after persistent follow-ups on my part did I manage to extract any updates. 

Regrettably, the lack of communication extended to critical details, such as their investigation into the building and its potential impact on my loan. It wasn't until XX/XX/2023, that I was finally informed about this crucial matter. With my lease expiring on XX/XX/2023, I found myself without a home due to the inability to promptly seek an alternative lender for the closing. Adding to this ordeal, XXXX XXXX recommended I obtain a mortgage from her associate after my initial loan attempt fell through, seemingly motivated by a referral commission. 

In conclusion, the manner in which my mortgage application was handled by Wells Fargo was marked by unprofessionalism, inadequate communication, and a lack of transparency, which has led to substantial inconvenience and financial burden on my end.

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 2023-08-08 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: MO

Complaint narrative:
I am making this complaint because I am a victim of identity theft according to the FCRA and have not given written permission for these accounts to be furnished on my consumer report, furthermore, I have reached out to these companies to verify that the debt is mine and they can not. I am aware that you must block the reporting of any information that is inaccurate. Please remove these accounts immediately within the 4 day period by law or further actions will be taken.

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 2023-08-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
From XX/XX/2023 to XX/XX/2023 I have had to make multiple inquiries in regards to unusual activity ranging from random payments and drastic balance changes increasing amounts owed. My loan servicer has letters from the department of education stating my loans from two universities which are the only universities I have been to are being discharged and refunds issued. Anytime I have had to call I always check on the status as well. It never fails that I get different information every single time. I get referred to the department of education who then tell me no what Nelnet said is incorrect. I was told in XXXX and XXXX several times including via only chat by at least two representatives it would be complete in 15 to 45 business days and not only isnt it done but now they are claiming it wont be done till the end of the year. They refuse to provide transcripts of those conversations. I have told me they will do some research and get back to me but never do. Ive been sent letters on two different occasions saying my discharge is complete when its not. When I ask if its done why have I not gotten my refund and no one can tell me. I also do not remember requesting consolidation of my loans. When I ask for documentation showing when I requested consolidation they refuse to provide it. When I tell them I see on the dept of ed site it was electronically signed but I want documentation showing I requested that because I do not remember electronically signing anything. Ive submitted other documents that go missing. My loans were supposed to have been in Administrative Forbearance since XX/XX/XXXX yet Nelnet never put them in that correctly. So now Im getting emails and letters saying Im required to start making payments XX/XX/XXXX. The level of incompetence is unbelievable. As a veteran who was already taken advantage and who suffers severe XXXX  due to my service this has aggravated it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: VA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.

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 2023-08-08 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: VA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
I have been a victim of identity theft and I have notified experian and they have been negligent and not removed the accounts that I notified them are fraud. According to 15 US CODE 1681C-2 information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency, shall block the reporting of any information in the file of a consumer. I sent in a FTC report via certified mail and it was received on XX/XX/23 and it was neither blocked or removed. When I contacted Experian they said they cant block or remove it because of some internal rules that they wont disclose.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-08 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: VA

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. 

Account name : XXXX XXXXXXXX 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. 

These accounts are reporting inaccurate information and have no been properly investigated by your company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: VA

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 : # XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: LA

Complaint narrative:
I was never aware of the collection. Never received any information. I contacted the original office they stated it was a mistake. I contacted the collection agency in XXXX and explained that they needed to verify the this. They never responded or removed the collection. I sent a debt validation letter certified mail in XXXX. They still have not responded. They are still reporting. After I asked them to stop until verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Original Creditor- XXXX XXXX- Amount of Dispute- $ XXXX Medical- Hospital bill after my XXXX  XXXXXXXX XXXX XXXX I have insurance and told them all the information and to go after them ... XXXXthey didn't do that and sent me to collections- XXXX XXXX ... I told XXXX XXXX the same thing ... .go after the insurance company- XXXX XXXX XXXX- .I don't think this is fair that it is on my credit report ... .I am trying to get a house and this is really hurting my score... Please help... Apartment rent is killing me and the little house I want will be XXXX cheaper in bills per month ... I am XXXX XXXX XXXX and have a bad XXXX ... .Thanks

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