vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 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: NC

Complaint narrative:
On Friday XX/XX/22 Bank of America froze my checking account and hid the money in my savings account. I called and spoke to the fraud department where I was informed that XXXXXXXX XXXX had filed a fraud claim against my account. We called XXXXXXXX XXXX and had the erroneous claim removed. XXXX XXXX told me that they had called and spoken to Bank of America and that it was to be removed and money returned to my account. I spent 4 hours on the phone, between Bank of America and XXXX, and was told that Bank of America was waiting for something in writing to come from XXXX. As of XXXX pm on Monday XX/XX/22 Bank of America still has not returned my money to my account. They have spoken to XXXX they know that this has been taken care of yet they are not reinstating my account. After telling me on Friday that it would be done within an hour of being notified by the other bank, I am still dealing with this. I have spent over XXXX hours on the phone today trying to get this situation fix. Someone needs to be held accountable when mistakes are made.

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 2022-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX bankrupcey experian dispute report # XXXX i have disputed this account on more than one occician and i have also asked experian to provide me with a verifaction letter of the data and information of this account and i get nothing and the disputes always say nothing has changed this bankrupcy belongs to my ex husband i never filed nor did i ever sign anything this bankrupucy has hurt me and my credit as far as buying anything i get turned down everywhere i go this has effected me mentallly and emotionaly

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 2022-05-02 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander Consumer has Violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan payment account under an open end consumer credit plan as late for and purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mailed a written request to Experian for my free consumer credit report AND file, which they received on XX/XX/2022 and I am still waiting on correspondence.

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 2022-05-02 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
I have had issues with loan care mortgage where they will not remove a name from deed/title due to the fact that I have a gifted deed instead of a quick claim deed. I have went into foreclosure because I was unable to sign the loss mitigation documents they sent me with both names on it. I have told the company multiple times over the last 8 months that I can continue with the process if they just update there side of the documents that are updated with state and county courts but they won't except it.

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 2022-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
Signed for a car loan. The car loan that I signed for has the incorrect vin number on contract. Neither party has attempted to correct this issue but keep charging me for the incorrect vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diversified Adjustment Service, Inc.
State: WI

Complaint narrative:
Called on XXXX to resolve a debt and I was connect with XXXX. XXXX was very aggressive, rude and disrespectful. I tried to ask a question about a settlement and she kept interrupting me and would not let me finish the question. 

I asked her not to be rude by interrupting me and she advised that she was trying to answer my question. I responded how would you know my question if I wasnt allow to finish it. She continue to talk over me and tried to end the call. I asked to speak with a supervisor. She transfer me to a voicemail. I called back 2x and got XXXX and she transferred me to a voicemail. I have not received a call back and would like to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Your boxes do not fit my situation. 

Around XXXX I opened a Target Red Card Mastercard. My daughter was in college so I got her a 2nd card to use for 2 years. Then we went through much trouble, but I was finally able to get her OFF my account, closed her 2nd card in around XXXX or XXXX. Today, my daughter told me that there is still an account in my daughter 's maiden name on her credit report ( impacting her credit ). She'll deal with that. 
Meantime, she called Target Red Mastercard- over the PHONE, she was given my current balance, personal information, upcoming transactions, etc. She's not even on my account! I see this a a breach in confidentiality and this has impacted me very negatively. I immediately canceled that credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-02 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: Google Compare Credit Cards Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX, a pending amount of {$350.00} from GOOGLE *XXXX  XXXX CA showed up on our personal credit card. The week prior, on XX/XX/XXXX, an amount of {$1.00} from GOOGLE XXXX XXXX CA went through on our card. Again, on XXXX the same {$1.00} charge from the same GOOGLE *apprefund XXXX CA. Called the XXXX number noted and gave me no options to speak to/select anything and then disconnected when you pressed a key. We do not use Google Pay and there were no transactions available in my Google Pay " account '' that comes with Google services. Filed a complaint to reverse charges with Google on XX/XX/XXXX. Contacted our Bank also in effort to not have to close card. On XX/XX/XXXX we recieved a notice from XXXX XXXX asknig if we approved a {$350.00} charge from the above listed " vendor ''. We selected " no '' and were immediately directed to our credit card company where the card was closed and charges, as of today ( XXXX ) have been refersed and the pending one not allowed to go through. On XXXX recived an email stating the card is not working and we need to verify so " subscriptions '' do not become inturrupted despite not having any subscriptions valid in my Google profile. Additionally, recived a " notification '' from Google that they were not going to refund our money, which is not the amount we disputed. It was an amount slightly more than the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
My mortgage was sold to another company during the partial claim process, so both companies filed partial claims with my county recorder of deeds. I have been trying to work with both companies for a year to get this issue resolved. This has prevented me from refinancing my mortgage and saving over {$300.00} dollars a month in interest charges. These two companies Flagstar and XXXX, have promised me multiple times over the course of the last year that they would get the issue resolved, and they have not. I believe that Flagstar is trying to prevent me from refinancing so that they can continue to get higher interest payments. I have filed complaints with the XXXX  and they suggested that I file a complaint this way to get some resolution.

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 2022-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I recently submitted claim # XXXX because an alert function that Chase Bank features on their app did not work. The complaint was as follows : " I was paid a bonus by my employer on XX/XX/XXXX. That check was for {$390.00}. I went shopping & to dinner on XX/XX/XXXX, and my account dropped to under {$50.00}. I was never alerted to this by my bank, Chase bank. I have an alert set up on my account to let me know as soon as my account drops to below {$50.00}. That alert was never activated on XX/XX/XXXX. In fact, I was not alerted to my account being under {$50.00} until it was already overdraft! The first notice about this came to me on XX/XX/XXXX, when I was already at - {$280.00}. My question is why in the world would they bother to give you the ability to set up alerts, and when the specific scenario in which you would need to be alerted, nothing happens?? Their alert clearly failed and now I am overdrawn in my bank account! I am already living paycheck to paycheck and my husband does not work!! '' The bank is claiming that the alert system works fine and that I should just manage my account better. HOW INSULTING! I have photographic proof that this alert system does not work. What proof?? Well as it happens, I was low on funds on XX/XX/XXXX and XX/XX/XXXX ( That is a Friday and a Saturday ). As you will see in my proof, I was alerted the second my account dropped under {$50.00}. I was again alerted on XXXX, which was a Sunday. So, why did the alert system work find this past weekend, but completely FAILED on XX/XX/XXXX - XX/XX/XXXX?? Why was I alerted on XX/XX/XXXX and XXXX that my account was under {$50.00}, but back on XX/XX/XXXX I was only alerted when I was ALREADY significantly overdrawn??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: ID

Complaint narrative:
I was offered a settlement in full offer of XXXX dollars by XXXX XXXX XXXX XXXX XXXX for my account from key bank that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I lived in my home for over 6 years I lived in ( Maryland ) all my life and someone used my information to get a apartment in another state I called and the person live in a different address..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
LENDER NOT RELEASING THE LIEN AFTER MORTGAGE PAID OFF : I had a mortgage on my property at XXXX XXXX  XXXX XXXX, XXXX, Florida, that was serviced by SN Servicing Corporation, XXXX XXXX XXXX, XXXX, CA XXXX. Phone ( XXXX ) XXXX XXXX My Loan # XXXX I paid off this loan XX/XX/2022 and this was acknowledged by them. However till today XX/XX/2022 I have not received Satisfaction of mortgage or the lien release recorded with the county. I emailed numerous times and was told up to 2 months from pay off which was XX/XX/XXXX. 

Can you please get them to release the lien and send me the Satisfaction. 
Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: PA

Complaint narrative:
Hello there! I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the roof of current address that you require. The only address that should be listed is shown at the top of this letter. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. I have enclosed my ID as proof of the correct spelling. This is my 3rd time asking you to correct this information. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above.

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 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Enterprise Systems, Inc.
State: ID

Complaint narrative:
I was offered a settlement in full offer of XXXX dollars by national enterprise service collection agency for my account from XXXX XXXX that I paid over the course of XX/XX/2021 to XX/XX/2021. They then said to the original creditor that I defaulted and now my supposed debt is at XXXX XXXX XXXX and is almost XXXX. I need help please.

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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-05-02 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act Source XXXX XXXX Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account Number XXXX - Account Number XXXX, has violated my rights. 
Per 15 U.S.C Section 602A, states I have the right to privacy.

Per 15 U.S.C Section 1681 Section 604A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX-XXXX  Account Number XXXX XXXX U.S.C Section 602A , states I have the right to privacy.

15 U.S.C Section 1681 Section 604A Section XXXX, states a consumer reporting agency can not furnish an 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 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Control, Inc.
State: WI

Complaint narrative:
I had filed a complaint ( XXXX ) in regard to the interest they were charging me on 4 separate medical bills. The say statue XXXX allows for 5 % annum charge, which I still say shouldn't in regard to medical bills. However even if it was acceptable they are charging me over twice that amount for each bill! For example one bill is for {$870.00}, they are charging {$110.00} or almost TRIPLE. Five percent of {$870.00} is {$43.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am a victim of identity theft and these accounts DONOT belong to me nor did I authorize anyone to. 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 non-monetary relief