vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
CFPB and FTC and XXXX XXXX COMPLAINT A formal complaint against Bank of America for selling/transferring my mortgage servicing to XXXX XXXX XXXX XXXX XXXX XXXX. BoA either knew or should have known how poorly rated XXXX is and how many consumer complaints exist and their transfer was so reckless as to amount to intentional conduct calculated to cause harm to me. I have been a long-term customer of BoA. I believe they are either punishing me for claiming XXXX or are doing this unscrupulous action to make a wrongful profit. I have funds ready to pay XX/XX/XXXX payment. I wish to pay to XXXX XXXX or other " escrow '' pending the reassignment of the mortgage servicer. I request a full inquiry into the business practices of both BoA and XXXX. I will be exploring the possibility of a class action lawsuit. 
Please respond ASAP. 
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 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX XXXX, XXXX {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for 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 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our loan servicer XXXX XXXX transferred our loan on XX/XX/21. At the time our escrow balance was {$11000.00}. The new loan servicer SLS Mortgage stated that they only received {$3000.00} from XXXX in our escrow account. There is a {$8600.00} difference between what one company is stating they received and what one company is stating they sent. I contacted the county and neither company made our XXXX tax payment nor any other payment. I have called both companies for proof of what was sent... cancelled check or proof of wire. And I asked the same thing from the receiving loan servicer. 7 weeks later I have not been able to get proof from either company. In the meantime, I am required to pay an addtl. {$800.00} per month due to an " escrow shortage '' in my account. I have called both loan servicer 's several times within the last 7 weeks as well as mailing each of them a certified letter. I am out currently out approx. {$9000.00} and unable to get this issue corrected.

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 2022-10-31 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ERC
State: MD

Complaint narrative:
I'm working on clearing up my credit report so I can qualify for a home loan. I contacted the company, Enhanced Recovery Co., and paid off the dept. I need to have them delete this item from my credit record but they will not remove it. As long as it there, even showing a XXXX XXXX  it will still work against my credit. It will not increase my score at all. So, I need help getting it removed. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MD

Complaint narrative:
XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.

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 2022-10-31 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 THE WEST
State: CA

Complaint narrative:
On XX/XX/2022 I deposited a mobile check with Bank of the west it cleared on XX/XX/XXXX. My account was closed on XX/XX/XXXX by Bank of the west and my deposit was kept and nit returned. I have tried calling the check issuer unfortunately Bank of the west has not been able to find this transaction in there system.

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 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on XX/XX/2002 I sent a letter to XXXX, Transunion and XXXX advising them to remove outdated and information that doesn't belong to me, they have yet to do this. 


The credit companies are not complying with their own policies in a timely manner.

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 2022-10-31 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was a victim of identity theft on XX/XX/2022. 

Today I called the Fraud department of Fifth Third Bank and the customer service department and asked to have a security password placed on my account. They told me to visit a branch location. I advised them to look at my address, I reside in XXXX XXXX  area and there are no branches near me, so what is the process for those customers residing outside the bank footprint? They said there is nothing in place. 

I consider this an act of a privacy issue. I want to secure my credit card and they have no options for me thus to me, creating a privacy risk for those that have a 5/3 card but reside outside of a banking area. This is a compliance issue and a regulatory issue, especially when I advised them I was a victim of identity theft and needed additional security protections on my card. 

This shows a gap in their privacy, compliance and risk management policies and procedures. Customers like myself can not be protected is what they are telling me and that is not an acceptable answer. 

The CFPB should investigate this bank for the lack of risk measures to assist card holders outside their banking locations with a process to secure our credit cards. This shows a lack of judgment on their part and a total lack of not protecting my privacy to secure my credit card after an Identity Theft situation or any situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: GA

Complaint narrative:
In accordance with Fair Credit Report Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights and clearly in violation of 15 USC 1681 . Both accounts are reporting illegal late payments and inaccurate days of these late payments. 

15 USC 1666b says .... A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2022-10-31 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: MoneyLion Inc.
State: MS

Complaint narrative:
I am using Moneylion prepaid card to receive my work payments and the card is not trusted everywhere so I have to transfer money to other cards to make purchases. Moneylion froze my account claiming it is because of fraud. I turned in all documents needed and still am unable to access my money after two weeks of being told it would be unlocked after 48 hours. The people I have talked to have been rude and giving me the run around. Which leaves me to believe they are playing games and never really escalating anything.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
To whom it may concern : Hello, my name is XXXX XXXX, I would like to complain about the money transfer from the Bank of America. 

The money was sent from XXXX bank in XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX XXXX through the Bank of America as a correspondent bank  on XX/XX/2022, XXXX XXXX USD Reference XXXX  number is XXXX, TRANSACTION Bank of America REFERENCE NUMBER is XXXX SWIFT XXXX code : XXXX I have called the bank several times ( the attachments are included ) and send lots of e-mails using this info XXXX XXXX BOFA wire transfers dept XXXX XXXX XXXX XXXX Sanctions Team XXXX ext. XXXX XXXX Bofa compliance department XXXX ext. XXXX - nobody could assist, the answer is the same - as I am not the Bank of America account holder they cant help me, but BOFA hasnt answered my banks requests from XX/XX/XXXX th, 2022. 

The money and the source of income were checked in XXXX by XXXX security. 

The Bank of America asked an English version of the sales agreement, because the XXXX  one was not enough for them, the additional agreement was sent as well to the BOFA with all the necessary signatures and stamps very fast. 

All the previous transactions to the Turkish construction company was done properly and fast through XXXX XXXX. 

This is the first time I experience this situation, that without any reasons the Bank of America is keeping my money. The construction company is charging me penalty for each day of not paying, therefore I had to claim to CFPB, the registered number of my complaint is XXXX SUBMITTED ON XXXX https : //www.consumerfinance.gov/complaint/, XXXX XXXX Resolution XXXX XXXX XXXX  Bank of America XXXX XXXX XXXX XXXX XXXX XXXX doesnt reply, all my phones calls go directly to his voicemail. 

Best wishes, 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 2022-10-31 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: Carter-Young, Inc.
State: GA

Complaint narrative:
Carter young is falsify information to collect on debt that is not mine. It is fraudulent. They have also violation of FCRA AND FDCPA by adding additional fees to alleged debt to collect. I have sent them a dispute and they sent back a letter with multiple false names which are not mine and false information. This is effecting my livelihood. I demand for {$1000.00} due damages carter young caused me stress, mentally, physically, and also emotional distress with the constant calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I made a payment of XXXX which was the minimum amount to tjx rewards/synchrony bank  on XX/XX/XXXX, XXXX usually made my payments on all my credit cards on the XXXX  or the XXXX  so they can receive payment earlier before the XXXX of each month.Im.never late on any of my payments until tjx/synchrony bank decided to keep my payment and sent me an email stating that I owe them a payment for XXXX for XX/XX/XXXX. XXXX  .which was an additional payment and then they raised the minimum payment higher. When I called them I was told by a representative that the payment for XXXX XXXX XXXX  was late and that Im paying for the late fee when I made 2 payments for XX/XX/2022 and they were both paid before XX/XX/2022 one on XX/XX/XXXX and the other on the XXXX. When I addressed her about my on time payments I was told they will correct it to call back 48 hrs. Well 48 hrs later I was then told well there is nothing we can do about it you just have to make another payment because you paid before the closing date.when I told them that I was going to report it them wipe clean my payments information so I wouldnt have proof.

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 2022-10-31 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: FL

Complaint narrative:
I sent XXXX XXXX transactions to my wife from my Bank of America business account to her phone number registered at Bank of America personal account ( also in my name ). I sent a test transmission of {$1.00} to confirm the process was done. I subsequently sent 3 transactions and : the funds left my corp account and was never recieved by the personal account. I called Bank of America and they told me that it takes 10 business days to resolve. I waited until the XXXX day and the they are now telling me : The process can take XXXX business days, and the " claim '' can be denied. The supervisor / manager in the dept told me today, if it is denied, my only recourse is to get an attorney and sue them and XXXX. I really don't find this as a satisfactory answer for what all appears to be a glitch in their system. 

CLAIM NUMBER WITH BANK OF AMERICA IS : 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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I wrote a letter to your honorable department dated XXXX and submitted it via email to the following address : consumerhelp at federalreserve.gov. It was regarding illegal activity within XXXX XXXX 's XXXX system with the former gubernatorial administration under XXXX XXXX XXXX. My complaint also includes illegal red-lining practices by XXXX XXXX  in finance working in government positions within XXXX XXXX XXXX XXXX XXXX. Bank of America 's XXXX XXXX  is practicing illegal red-lining tactics by forcing natural born citizens who do not work for the government and seek to self-actualize via private funding into their rigid aggregate limits. They're stifling the growth of the country and aborting our defenses. It's a delibrate attack on the Millennial generation, on young people.

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 2022-10-31 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: FL

Complaint narrative:
This complaint is in response to the investigation of case # XXXX. In my dispute, I requested the " Method of Verification '' and the " Name and Adress '' of the vendor Experian claims it contacted to certify the " Completeness and Accuracy '' of a bankruptcy record it is reporting on my credit file. Please see CFPB complaint # XXXX as Exhibit A. In its response, which it concluded in 59 days, Experian stated that they have contacted the vendor who has certified the accuracy of this record. However, as previously disputed, Experian has not provided the name and address of this vendor. I am requesting in accordance with 15 USC 1681i which states " A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. '' If Experian MUST provide me this information if it is claiming to have contacted a vendor. As previously stated, I have contacted the courts who has certified that they do report to the CRA 's, Experian agrees ( Per complaint # XXXX and the attached letter ). I have contacted the listed vendor on my credit report " XXXX XXXX '' who has certified by phone and via a full consumer report ( Attached ) that no bankruptcy record is on file. It is clear that Experian intentionally stalling and refusing to complete a full investigation of this record. Experian has violated several FCRA laws including FCRA 616 ( a ) ( 1 ) ( a ) which states. " Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; such amount of punitive damages as the court may allow ; and in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. This is not a request for re-investigation, this is a demand of the removal of this bankruptcy from my credit file in accordance with the aforementioned laws.

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 2022-10-31 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX2022, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX  ) XXXX XXXX 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.

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 2022-10-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX, Amount {$380.00}, I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX ) XXXX XXXX. 

XXXX XXXX Amount {$230.00} XXXX XXXX XXXX I wrote them asking to Validate the debt being I never had services with the company the debt collector.

Company response to consumer: Closed with explanation