vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This past XXXX 2015 I opened a checking/savings account at Bank of America XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called " keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Made a payment of XXXX on XXXX to Bank of America, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
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 2015-05-11 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion is currently reporting a Tax lien. The information that is being reported despite the creditors request to have it removed. s not correct. under the Fair Credit report Act, this item must be deleted. This reporting is a clear violation of the Fair Credit Reporting Act. Please delete 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 2015-07-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
information is not mine

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I 've disputed this information 5 times already with the XXXX and I 'm receiving letters stating that they will no longer investigate even though I am providing clear and detailed information on what I am disputing, reasons and inaccuracies. I 've even included the actual figures on the reports that are inaccurate and month and after month nothing changes! How is this even legal??? 
*Please see letter attached for account disputes *I 've included credit report for comparison of disputes vs. reported information

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 2016-10-29 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These Inquiries I did not authorize and can not understand why no one will delete them. I asked a car dealership to do XXXX bank and they submitted my deal to XXXX banks, which was NOT Authorized. 



CA XXXX BANK XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX Finance XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX I XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance COAF XX/XX/XXXX XX/XX/XXXX Finance TD AUTO XXXX XXXX XXXX, XXXX XXXX XXXX Finance Friendly XXXX XXXX XXXX, XXXX XXXX XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX Automotive VANDRGRF CHV XX/XX/XXXX XX/XX/XXXX Automotive XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance CRESCENT BK XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance

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 2015-12-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The balance on my XXXX XXXX account ( XXXX ) goes from XXXX to {$49000.00} to XXXX to {$49000.00} several times over the past six months. It was XXXX in XX/XX/XXXX, had the balance in XX/XX/XXXX ... then XXXX on XX/XX/XXXX and again has a balance on XX/XX/XXXX. 
I have attached documents showing that this balance has been paid and the mortgage cancelled. I have also attached documents showing this progression of errors from XX/XX/XXXX until now. This fluctuation error is costing me thousands of dollars in interest rates due to the major changes in score from one month to the next.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On the same day TransUnion has issued XXXX different credit scores. The XXXX Score XXXX Credit Score for me is stated as XXXX ; however, TransUnion Credit Monitoring is showing XXXX. Also XXXX XXXX had deleted an illegal collection and advised TransUnion to delete this. ; unfortunately, each representative told me it had not been deleted. After arguing with these people, they found that it had been deleted ; but this deleted collection is still determining my vantage score XXXX credit score with TransUnion. It is only with TransUnion that I have such a low credit score. TransUnion had made too many mistakes on the file causing me to have a low credit score. There is a serous problem with the system at TransUnion.

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 2015-06-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. Transunion should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has fail to delete unverifiable information on my report. They continue to verify closed or sold accounts that show reaging, recent payments and balances due and collection companies have fail to provide me with account documents.

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 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
Hi I have a dispute with Ally Financial we traded in our lease car at XXXX XXXX and bought a truck they let us out of our lease early and added on our new loan. We did this on XXXX XXXX, XXXX called them and got the pay off and everything was ok. Now Ally is saying we owe them over XXXX dollars because we still own the car we faxed them everything they needed we do n't own the car anymore first Ally said we needed to sign a paper because my husbands name is still on the title so we took care of that then they call us and say we are behind two payments because we still have the car and we did n't they say they still need more money that the pay off was wrong. Not our fault they have everything they need and wo n't close our account we were never late with our payments we traded in the car before our payments was due now my credit is taking a beating because of this I will never deal with XXXX or Ally ever again because the car dealership is not helping us either. I do n't know what to do next can I get a lawyer on this at what type of lawyer. and how can I restore my credit from this it is Two months now and nothing we do is working with Ally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute on the DOB reported on the credit report of all XXXX credit bureaus. Only XXXX credit reporting bureau removed the incorrect information. XXXX and Transunion continue to report the incorrect DOB which is causing me financial hardships when applying for jobs. 

I have disputed the DOB and no answer was given expect that the XXXX reporting agencies - XXXX and TransUnion would continue to report the incorrect information. I have sent letters of request that the information be removed to no avail.

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 2017-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the 4 late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation-XXXX- ACCT #

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XXXX XXXX I sent to Transunion via Certified Mail a letter disputing several unverified items which arrived at Transunion on XXXX XXXX, XX/XX/2015

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account not verified properly.

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 2015-09-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
THE CREDITOR SUN LOAN DID NOT APPLY MY PAYMENTS SHOWING MY ACCOUNT WAS SATISFIED.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Per my XXXX XXXX XXXX Tracker, TransUnion reported my account delinquent for the amount of {$59.00}, which is incorrect. Please see my current Credit Activity as of today XXXX/XXXX/2016. This information needs to be corrected immediately! 
XXXX is not reporting their information adequately to the credit bureaus!

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX is showing a closed and collection status which is not accurate. The account is still open and I have recently made it current and satisfied the in collection status. I have never ceased making monthly payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX/XXXX/15 Banking XXXX XXXX/XXXX/15 XXXX XXXX/XXXX/15 XXXX You have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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