vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Approx. XX/XX/XXXX, problems using my on-line account Bank of America , my accounts were not available for view. 
Called and spoke to XXXX in XXXX, he told me there was a " known issue '' in linking the accounts to my email and that a technical ticket had been issued. 
XX/XX/XXXX, issues persist to access my money on-line. Called XXXX spoke to XXXX ( maybe in Maryland? ) he advised the accounts were being closed, there was no other information provided or known. 
XXXX, at XXXX XXXX I go to the branch at XXXX XXXX XXXX, XXXX, NV XXXX to withdraw money. Teller tells me I needed to call ahead, I advised her the money was in my account that I wanted to withdraw. She starts the cashier check procedure, then stops, advises I need to speak to the manager. The manager disappears for some time on the phone, finally returns and leads me to the office of XXXX ( Relationship Manager ) and advises her name is XXXX the Manager, that all my accounts will be closed. There is no further explanation as to the procedure, where or when funds will be dispersed. XXXX tells me I am NO LONGER allowed in any branch! They tell me to call XXXX. I tell XXXX they are not allowed by Federal Law to keep me from my money for over 2 days, she answers they can when closing the account. She doesn't care and is not professional. 
XXXX I call XXXX. After several questions I am referred to a login that doesn't work. The person on the phone advises she can no longer help and advises me to go to a branch. I told her XXXX said I wasn't allowed in any branch. She tells me I should be able to get resolve in the branch. 
XXXX I call my Congressman XXXX XXXX and speak to XXXX. She refers me to the OCC. I have tried several phone numbers, XXXX, XXXX, NONE of them are working numbers. 
XXXX I have limited view of my online account at Bank of America. It appears from what I can see my money might still be there, so I am attempting to transfer it to another bank. I am not sure there will be success, if the money will be pulled back. 
I call XXXX at XXXX XXXX 's office again and she attempts to call BofA, they don't answer. She advised I need to sign a Privacy Act Consent Form, but has no authority to cause the bank to act and again advises to contact the oversight office, Office of the Comptroller of Currency. 
XXXX All attempts to reach the bank are unsuccessful. Phones are not answered or not connecting or no information will be given, period! 
I have had no access to my money for over one week, with no end in sight, and no access to information. This is at a critical point because of the extremely high amount, over XXXX that they are holding. It appears they are not acting responsibly nor in good faith!!

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 2021-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management has violated my Consumer Rights and Privacy Right under the FDCRA. I have attempted to resolve this matter with them several times and they refuse to respond to the affidavits and the cease and desist letters. I will attached copies of the cease and desist letter with invoice and attach the complaints I have filed with the Attorney General and the XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: OH

Complaint narrative:
My Equifax credit report has been split for more than a year. Attempts to correct the error by phone have not been successful as I can not get past their identity questions. The last time I called they asked 11 questions, most have nothing to do with the information on my report. IT SHOULD NOT BE THIS DIFFICULT TO TALK TO A CONSUMER REPORTING AGENCY VIA PHONE. The version of my report that is mailed should contain a total of 28 accounts : 20 closed & paid student loans, 4 credit cards, 3 closed paid auto loans and 1 closed gasoline account. It contains 26. The other 2 accounts are only being reported in my online MyEquifax account. This also results in XXXX never being able to verify my identity and send my report because there are two different Equifax reports. All 28 of the accounts are mine and reporting correctly. A letter to Equifax via Certified Mail dated XX/XX/2021 asking them to merge the two reports resulted in 4 of my student loans being removed as " belonging to me. '' Student loans were never part of the issue and were not mentioned in my letter. The mailed version of the report is still missing 2 accounts that have been reporting to them for more than a year. As of today, the online report shows only 3 accounts : 2 credit cards and the closed gasoline account. I am requesting your assistance in obtaining a complete report containing all 28 accounts so that my credit score accurately reflects all 28 accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian is reporting inquiries that dont belong to me.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I would like the trade line from XXXX XXXX XXXX to be deleted as it has been paid in full.

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 2021-10-05 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 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. 
My contact information is as follows : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: NC

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services
State: IA

Complaint narrative:
On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-05 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: CA

Complaint narrative:
The financial institution XXXX is reportinXXXX a inquiry on my personal credit. I never have done business with this bank, nor do I have any accounts or applied for financial business with them. I have called them multiple times to delete the inquiry with no cooperation. This activity and inquiry is illegal and fraudulent. Please investigate.

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 2021-10-05 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: WI

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later i have not received a response yet. I feel like i am being taken advantage of and i am being ignored of my dispute section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days give a reason to immediately remove these items from my credit report it has been over 60 days, so they should be deleted promptly i demand these accounts be delete it immediately or i will file for litigation due to the stress you caused me. My information was also impacted by equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I believe Amex is not acting in the spirit of an unbiased arbiter in this dispute ( as mandated by the Fair Credit Billing Act ). 

On XX/XX/2021, I opened a billing dispute ( dispute ref # XXXX ) with American Express regarding a merchant that had processed a charge which I did not recognize, nor from whom did I receive merchandise or services from. American Express is now in possession of ample evidence ( which I reattach as exhibits ) that I have returned the item and am entitled to a refund. I have supplied Amex with a XXXX return tracking confirmation, and 2 separate commentaries from the merchant itself that it has received the item, that a refund is due to me, and, most recently, that its records indicate a refund has been issued. This alleged credit by the merchant has not been posted, and should have appeared by this point. 

In the absence of any evidence that I transacted with this merchant and/or retained the item, or in fact any documentation at all, Amex still refuses to issue a provisional credit for this amount, which, in my view, suggests bias in favor of the merchant during this investigation. There is no justification for requiring me to carry this balance on my card ( even if interest does not accrue ), which has an impact on my credit score and is therefore of great importance to me during these times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld is reporting fraudulent info on my credit I didnt open an account with them nor did I authorize anyone to do so I paid this account despite it being fraud, becauseI was informed that it would be removed from my credit I made the payment on an account that was not mine and yet the collection was not removed as promised please remove this fraud account from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: IL

Complaint narrative:
Today, XX/XX/2021 I went to XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois to set up a savings account. The account is for donations for my father who passed away yesterday. I was asked to sign the electronic box so they could open the account. I was not told it would check my credit, I was not asked for my social security number, I was not read or given any paperwork stating it would run my credit. After leaving I noticed I had emails stating I had a hard inquiry from them. I called and the first woman I spoke with stated it states we check your credit on the green paper you filled out which I was never given. The bank later called me back stating there is nothing they can do to remove the inquiry and they were sorry. I did not give consent to run my credit, I was given no paperwork what so ever, I want this removed from my credit ASAP!

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 2021-10-05 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: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I called reported only got through too 1 institution.Other institutions was not answering or even giving the options to talk to some one that can help me.But the one I did talk too I explained who I was and they said they had no record of me of my info but it clearly stated there info on My XXXX XXXX. I was locked out of XXXX XXXX for about 1year and my wallet was either stolen or I lost it about a year in a half ago I Informed the agencies or in other words institutions that I had been a victim of fraud and/had been a victim of fraud after finally, Regaining Access too My XXXX XXXX My Credit score had dropped I had all these hard inquiries and fradulent open accounts and I hadn't use/applied for any thing with in the last 2 years besides my apartment that I live in and unfortunately I can't apply for anything right now and I have a XXXX XXXX XXXX XXXX and all these hard inquiries are on my report card on XXXX XXXX is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: PA

Complaint narrative:
It has come to my attention that you, TRANSUNION, a consumer reporting agency pursuant to 15 U.S.C. 1681a ( f ), has violated my rights as a consumer, a natural person pursuant to 1692a ( 3 ) and has furnished information without my written consent, pursuant to U.S.C 1681b ( 2 ).

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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I have also attached a copy of an Identity Theft report for XXXX XXXX XXXX  XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore 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 2021-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: CA

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I am a fXXXX XXXX XXXXXXXX. I created an account with PayPal in order to allow a client to pay me who had no other means of payment. When the money arrived in my PayPal account, I was given the option to withdraw to my bank account or pay a small fee to have it instantly transferred to my debit card. I opted for the instant transfer option. 

I am now being told it is withheld " pending review ''. 

I reached out via chat and got a robot who gave me the exact same information I already knew. I tried calling but the wait time is measured in hours. 

PayPal should not be withholding money for " review '' after agreeing to be the intermediary between my client and I. 

After examining their XXXX  complaint history this is a pattern with over XXXX complaints with substantially similar facts. Apparently they play some sort game where they randomly freeze accounts and withhold customer funds with no recourse. 

https : XXXX This needs to be reported to someone with regulatory authority so corrective action can be taken. Paypal is being abusive, that's why I'm reaching out to you. Not just for myself per se, but for the XXXX complainants at the XXXX  and likely hundreds of thousands of others. 

There is literally no valid explanation for my funds to be frozen pending a review only at the stage where I'm expecting it to land in my account. If they had suspicions or they needed more documentation or information, they should have requested that at sign up or when the transfer from my client to me was initiated. But once they received the money on my behalf, they are required to timely forward it to me. 

Transaction ID : XXXX Amount : {$240.00} Date : XX/XX/2021 Any help you can give would be great. I'll update this case if they ever release my funds, but judging from the XXXX XXXX  complaints against them, I'm not holding out hope.

Company response to consumer: Closed with explanation