vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
Equifax and XXXX is showing XXXXXXXX XXXX XXXX which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: VT

Complaint narrative:
My mother XXXX XXXX passed away on XX/XX/2022 and I tried to report that the account needed to be closed and I got the rudest lady XXXX on the other end!! I did not appreciate how I was treated especially after just loosing my mother!! I would like to see something done about how the employees of the M and T bank on XXXX XXXX in XXXX Vermont treat their customers and the families of deceased customers!! Please feel free to call me anytime for further questions at XXXX thank you for your time hope to be hearing from someone soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My account is due to close the XXXX of XX/XX/2023, but its reason for closure is because of counterfeit deposits of {$400.00} but I did not make the deposits they are talking about and I want to file this report so that my account does not close. I believe the person who did this was 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 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: My Mortgage, Inc.
State: MD

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) of My Mortgage , Inc. failed to close my loan after taking me through the entire mortgage process and has yet to provide me with an Adverse Action letter to state why. 

Every and anything he asked me to provide prior to closing was sent as well as all of my funds in the amount of ( {$14000.00} ) sat with the title company. My credit was also pulled and the only thing he asked me to provide was a detailed letter from my employer to explain my reasons for the gaps. 

I have been living at a hotel during this process, purchased items for the home and promised my autistic son that once returns from culinary school we would be already moved in our home. I am devastated and feel that the rug has been pulled from under me. How does someone, get a pre-approval, provide a copy of social security card, driver 's license, college transcripts, pay stubs ( more than once ) submit bank statements ( more than once ), proof of my son 's XXXX XXXX XXXX, successfully complete the mortgage application and disclosures, submit tax information, set up an account with the title company, sent earnest deposit and proof of funds to close, provide the explanation for gaps, pay for an appraisal and obtain a quote for the home insurance, have the date extended and not close on the loan?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. 
I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. 
I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. 
In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. 

I have attached supporting documentation. 
What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: IL

Complaint narrative:
My address as well as name is reporting inaccurate. As well as there are fraudulent accounts reporting on my consumer 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 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit bureau ( XXXX, TransUnion, and XXXX ) account was frozen without my consent by a third party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My credit bureau ( XXXX, XXXX, and Equifax ) account was frozen without my consent by a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Synovus Bank
State: TX

Complaint narrative:
My payment is due XX/XX/XXXX. I went on the website to make the payment put in my checking account info with routing number. I received an error message. I refreshed the page and then it tells me how I need to pay is thru my online bill pay with my bank. I called the company and spoke to 1st rep he said he does not know why it did that but I need to pay with my online bill pay. Now on XX/XX/XXXX I put in my checking info and made the payment and today I did the same thing and received an error. I asked to speak to a supervisor I get XXXX on the phone at first she said she has no clue why it did that then I told her I need an answer today I am trying to make a payment she said oh well our website is going under construction. I told her that I need to make a payment today and since they are having an issue with the website I should NOT be charged the XXXX fee she said I would be charged and I don't have a payment due even tho my bill says payments are due on the XXXX. I asked to speak to a supervisor she said a call back and someone will call me back within. 3 to 5 business days. Today is the XXXX my payment is due on the XXXX. I need answers. I do not want to be charged any interest rate charges because I am trying to make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: TX

Complaint narrative:
Around 7 years ago, there was an identity theft attempt on my Bank of America checking account. BoA notified me that they caught the issue and stopped it. Oddly, they also shut down my checking and savings account. When I attempted to get answers as to why, they said they couldn't tell me. Another attempt to get answers from the resulted in them telling me to call another internal number for another department. That department told me the same thing. Weeks later I attempted to go to two other banks and a credit union which all said the same thing. Today XX/XX/22, I attempted to open an account figuring enough time has to have passed, and I've been able to get XXXX credit cards. Same result. Those cards are all in good standing, I have direct deposit via an online bank ( XXXX checking ), and have been in good standing there for at least 5 years. I'm thoroughly confused how them catching an identity theft attempt resulted in me loosing the ability to get a checking or savings account. Due to the amount of time and being locked out of the account the next day I don't have documentation. Thats also due to no one being willing to answer the why or point me in the right direction to get that answer so that I may be able to resolve whatever confusion exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX an account was opened by XXXX XXXX for work estimates on capping a tooth. On XX/XX/XXXX XXXX XXXX charged Comenity CapitalXXXX XXXX XXXX XXXX account fraudulently prior to any work being done or checking what was covered with my insurance. I never received information from Comenity Capital and do not know account number. I sent a letter XX/XX/XXXX explaining the account was fraudulently charged. I also included that if there was further contact they could use my home address or email. They continued to call 6/7 days a week. The response was if I disagree with insurance coverage I need to contact my provider to discuss errors. 
On XXXX XXXX, XXXX I received a call from XXXX at Comenity Bank, ext XXXX, transcript-Good afternoon this message is for XXXX XXXX my name is XXXX I'm calling on XXXX I'm calling from XXXX XXXX XXXX to get the name and number of the attorney representing you for XXXX XXXX  XXXX please return my call today at XXXX extension XXXX please have your attorneys information available at the time of your call if you do not have an attorney and I have many options available for your assistance that you would need to return my call today before I leave my office at XXXX central once again XXXX the number is XXXX extension XXXX thank you and I hope to hear back from you soon have a great day. I was at work and did not receive the voicemail until after XXXX XXXX. 
On XX/XX/XXXX I paid the {$560.00} that was charged to the account without my permission. I dont feel I should be required to contact an attorney or pay any additional money that the company has continued to add. I would like to threatening voice mails to cease also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
Good Morning : I have been trying to work with SLS mortgage company. My loan is in default. I received assistance of {$65000.00} from TX XXXX program but the mortgage company would NOT accept it because it was not the full amount. I was pleading for a loan modification and this amount would help substantially with some personal funds that I have. Instead XXXX has continued with the foreclosure process instead of working with me, the homeowner. This lack of communication and lack of assistance upon request has been going on since XX/XX/XXXX and now I am scheduled for Foreclosure on XX/XX/XXXX. I am quite sure there are resources out here to help, I just don't know who to contact. Please advise if you know of any resource that I can contact. Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I'm an XXXX  This problem has happened more than once. 
I regularly receive offers from Bank of America to use their personal checks. A 4 % fee currently applies, but then no interest is charged for at least a year. I did so in XXXX by depositing a check in the amount of {$2500.00}. My XXXX bill was in the amount of {$5200.00}, and it included the {$2500.00} check I used, meaning the net of {$2700.00} was all I should have had to pay to avoid interest charges. I called BOA and so confirmed on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. On XX/XX/XXXX, I paid ( online via BOA ) {$3000.00}, meaning I had paid more than I needed to pay to avoid any interest charges. Yet, I recently received an interest charge of {$12.00}. I called BOA and complained. I was told the charge would be removed, and it wouldn't happen again. However, as noted above, this has happened in the past. I wish for something to be done about it, and I don't wish to file a class action lawsuit to get something done. I think a lot of businesses do things like this, seeing what they can get away with. Some people are too old or feeble or otherwise unable to do anything about it. Others are too busy to notice. Please do something concrete to stop this abuse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: IL

Complaint narrative:
Im making this complaint against CREDIT MANAGEMENT LP for identity theft. I have never given CREDIT MANAGEMENT LP any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT MANAGEMENT LP can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT MANAGEMENT LP continues its collection efforts, I will file for litigation for actual damages caused and CREDIT MANAGEMENT LP will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.

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 2022-12-30 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: TX

Complaint narrative:
XXXX and TransUnion is showing XXXXXXXX XXXX XXXX  which is not mine due to someone stilling my Identity I have tried contacting them. Also with XXXXXXXX XXXX not my account either. XXXX has been on my credit report for 11 years, it should be removed by now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as Identity Theft from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
I wanted to report the company Afterpay. Theyre unfairly charging me for a purchase I returned on XX/XX/2022 at XXXX, the merchant was XXXX XXXX I purchased a bird cage and returned it on the date mentioned above, they never acknowledged that I returned it and they even got refunded for it, and they unfairly sent me to collections for this. They mention that the refund went to a XXXX card that supposedly have, and I want to clarify that I just owe one XXXX card and does NOT end in the number theyre telling me. They create virtual cards for you to shop and that was the card that it was refunded to. The refund goes straight to the card that the item was purchased with, and if I wouldnt have purchased it though XXXX, they obviously wouldnt have records of it. 
Here Ill attach pictures of the emails they have been sending me as well of the receipt with the return proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-30 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: NY

Complaint narrative:
Invalid personal information reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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: Atlanticus Services Corporation
State: OH

Complaint narrative:
XX/XX/2022 XXXX/ASPIRE account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 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:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
I received email alerts the morning of XX/XX/22 from Target that an account and a XXXX XXXX Credit Card had been opened in my name, also charging a {$200.00} gift card to the account. 

I reported the fraud alert to Target and requested to close the credit card opened in my name, however they had old addresses, email information, birth date, and social security information that led me to believe they had stolen my identity.

Company response to consumer: Closed with non-monetary relief