vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-10 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, XXXX XXXX, XXXX # XXXX  XXXX, or 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 I have not given written instructions for this account to be furnished on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PRONTO FINANCE INC.
State: IL

Complaint narrative:
I financed a car through pronto finance and due to a financial hardship i wasnt able to make payments on time after 3 months. My car was towed and i asked for their help to get my car and they agreed that they would help me then they never gave me my car back and told me they were repossessing it due to non payment. I cant remember any specific dates buti got the car in XXXX of 2018 i gave the the dealership which is XXXX XXXX XXXX  a XXXX XXXX dollar down payment for the car and when i check my payment history from pronto finance its not on there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/21, I purchased a storage bench from a company named XXXX. I never received a confirmation for the product that I was purchasing. I also never realized my payment was going to a person and not a company. So, I tried to call the number on the website- the number does not go through, also tried to email, came back as undeliverable. I believe this site is a SCAM. I would like my money returned. Please advise, XXXX XXXX - XXXX - XXXX. The website contact info : Email : XXXX  Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX United States I reported the transaction to PayPal and they did not refund me because XXXX XXXX got his money, but I did not get my product, I got RIPPED off!! The reason I use PayPal is because I feel that they should check out the companies that are using their name as a way to pay. 

Please help! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have 3 hard inquiries from the month of XXXX from NAVY FCU ( Finance ). I have never given permission for them to pull my credit nor do I know this company. The dates are XX/XX/2022 ( XXXX different times ) and XX/XX/2022. When I tried calling the number listed, it goes to a recording of an invalid number " your call can not be completed at this time ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX a Bank of America imposter called and tricked me into believing it was the bank calling, and claimed someone was taking money out of my account. The person persuaded me to send money ( XXXX $ ) through XXXX to a safe account in my name. I found out later that the money actually went to the scammer. Bank of America denied my claim for a refund even though i was tricked into sending the money to a scammer. 
Since I didnt authorize the money going to a scammer and since I was tricked into releasing it, the transfer should be covered under Regulation E. The bank has refused to explain why it will not refund the money even though my money was taken by an imposter. The bank also did nothing to try to get my money back even though it was reported to the bank right away.

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: NC

Complaint narrative:
Hello, I previously had an open case with your company and then it was closed by you because it looked like Huntington Bank was taking steps to resolve it. After they sent me an email to mail required documents to a given address in early XXXX, I have not received the money from my deceased mother 's account. I have emailed the representative XXXX XXXX and phoned him twice and have not received a response nor the funds. 
Below is the complaint number you can reference regarding the details of the initial complaint. 
XXXX Filed in XXXX Thank you, You can reach me by email at XXXX or phone at XXXX. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a fraud claim with Bank of America that has been in a pending status since XX/XX/2022. The time frame for resolution provided to me was 60 business days. At this point it is well past that time. I have attempted to resolve this delay with the bank, however the XXXX complaints I have filed about this unresolved claim have had no effect. I am only told that it is still under investigation. I have had claim added to their Tracker which is supposed to escalate to a supervisor if a claim is not resolved in the time frame. This action has also beared no fruit. I feel the resolution department is retaliating against me for continuing to request reconsideration of this claim, after repeated denials. The bank has written proof of my incarceration from the Superior Court of XXXX. And still refuses to return these funds claiming that I was the one to initiate the transactions. I filed a complaint with your office on that issue which did no good the bank still refuses to return those funds. So I ave no recourse but to file a law suit against them for negligent and improper handling of my claim. Maybe you can get them to finally resolve this claim in the correct way.

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 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I applied for a mortgage with Ally Financial, powered by better, in XX/XX/2022, the account was taken over by them after I had gone through a long process with XXXX Mortgage. After processing information request by Ally Financial, powered by better I was told I was going to close on XX/XX/2022, I requested vacation time but was told the closing would not happen on that date and extended it out until XX/XX/2022, but I would have to lock in the rate at {$30.00} per day, in order to continue with the process. I continue working with Ally Financial, powered by better because I had a good credit score. But in XXXX I found out that my credit score had dropped XXXX points and now I am in the high risk and would have to clear out my credit cards, along with bring more money to close. After the continuous change in the dates that owner decide to more on with the process. I signed the mutual release on XX/XX/2022, and received a denial from the mortgage company on the 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 2022-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: VERITAS FUNDING, LLC
State: ID

Complaint narrative:
I received a written letter and it " appeared '' to be from XXXX XXXX my existing lender, stating that i had available funds in my account. It seemed like there was a escrow balance available to me for {$3200.00} ( titled available funds ). After following up on it, it was actually a solicitation from another bank altogether called Veritas Funding. This is clearly disceptive marketing practices to lure an uninformed borrower and it needs to be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Hello, I opened XXXX Bank of America savings accounts XXXX years ago when my XXXX sons were toddlers. I chose the accounts because they had no fees. Over the years, these accounts were not used much. 

In XX/XX/XXXX, I noticed that a $ 5 monthly maintenance fee was charged to each account. The rep couldn't explain them so she credited them. Again, charges were billed in XXXX. After spending hours on the phone with different reps and supervisors, I was told that they fees started in XX/XX/XXXX. I asked for a full refund since I never would've kept the accounts, which were hardly used, knowing there was a monthly fee. I also requested that the accounts be closed. I was told that I couldn't close one of the accounts because it was overdrawn due to the monthly fees. 

They still did not close the other account. Now both accounts are overdrawn and continue to accrue monthly charges! I have great credit. My sons do not have credit yet ; one is XXXX and the other is XXXX. I am concerned because my sons ' credit as well as mine could be ruined because I am trapped with these BoA accounts that I can't get rid off but are costing me more money each month. 

Please help. They refuse to stop stealing from me and from letting me leave,

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
on saturday XX/XX/2022 @ XXXX i received a text message from phone number XXXX stating the following : <! >BofA : Your card has been temporarily taken down due to some pending activity. Follow sectl4sbofa.com to regain your access the thing is, i don't have a BofA card and don't believe i've ever had a card with them this is not the first time i received a message like this please follow up with this and advise

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 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Unauthorized user make debit transaction at XXXX for {$500.00} XX/XX/XXXX Also Four XXXX Unauthorized Transactions for {$500.00} each total {$2000.00} XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX XXXX {$500.00} XX/XX/XXXX Called Citibank XX/XX/XXXX cancel debit card cancel XXXX and change user name and password. Dispute all transactions with Citibank dispute dept. 

Citibank denied all refused to add money back to account.

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 2022-09-10 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: FL

Complaint narrative:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, these account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. The dispute was filed with CFPB XX/XX/2022 complaint number XXXX. I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

1 ) Account Name : XXXX XXXX  Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXXXXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXXXXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2022-09-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 explanation
Consumer complaint received 2022-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 ; I purchased two XXXX watches at XXXX XXXX XXXX store located at XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX. The total amount of the purchase is {$93.00}. The funds was withdrawn from my checking account I have with TD bank. However, on XX/XX/2022 another transaction in the amount of {$37.00} was posted to my checking for the same purchase. I called TD bank and explained to one of the account ; the funds of {$93.00} was taken from my checking however, I can not find the transaction in my checking account history. I was told by the accountant sees the transaction of {$93.00} however it was taken off. The accountant couldn't explain why the funds {$93.00} was withdrawn then taken when there is a balance of {$110.00} in my checking account and a balance of {$84.00} in my saving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2022-09-10 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm being paying my capital credit car making online payments, but I pay and the balance don't go down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXhas 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

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 2022-09-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I had a store credit card with Old Navy. The card was transferred to a different bank backer without my knowledge. The associated bank when I first got the card was 'XXXX  ' and it was transferred to 'Barclays ' XXXX When this transfer happened the balance on my card was automatically transferred to the new bank, however my existing auto payment was cancelled against my knowledge. This meant that I missed a payment and incurred late fees and a significant hit to my credit. I had sufficient funds to make the payment, but it was never made because my credit card issuer chose to change banks. This is not my fault.

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 2022-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the U.S. Department of LaborXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXXXXXX XXXX  XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor i n me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. I am a victim of predatory lending by XXXX XXXX XXXX currently owing {$33000.00} in student loan debt. I informed the XXXX XXXX XXXX XXXXXXXX through Borrower defense form case # XXXX regarding this and nothing was done to resolve the matter. XXXX XXXX XXXX did not properly educate me. Oftentimes the class was led by instructors who themselves did not hold degrees and knew little knowledge of how to instruct a classroom. XXXX XXXX XXXX never explained the loan process, how and what my loans would be applied to. XXXX XXXX XXXX capitalized and took advantage of me knowing that I wanted to be properly educated and earn the quoted salary of {$90000.00} that each of the teachers kept stating that I would earn after completing my two year degree in XXXX XXXX Networking. XXXX XXXX XXXX also stated that they would have an internship for me upon graduation but that never happened. The teachers also said they had connections with the local banks, partially XXXX XXXX and they would be able to place students upon completion of the degree. All this was a factor in me deciding to attend XXXX XXXX XXXX. I am just now complaining because I did not realize I could back then. I attended school at XXXX XXXX XXXX from XXXX XXXX XXXX. Predatory lending imposes unfair, fraudulent, deceptive, or abusive loan terms on a borrower. Department of EducationXXXXXXXX forgive debt of {$33000.00} as XXXX XXXX XXXX took advantage of me which resulted to predatory lending practices.

Company response to consumer: Closed with explanation