vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a checking account and savings account with Bank of America. I have a line of credit available to me through my mortgage. It is called a HELOC line of credit. 

I deposited approximately {$120000.00} into my Bank of America checking account sometime around XX/XX/2020. 

I have a line of credit with Bank of America that is tied to my mortgage, similar to a home equity loan. It is called HELOC. I waited the appropriate time and on XX/XX/XXXX, I went on line and transferred {$100000.00} to my HELOC line of credit. I have had the HELOC with Bank of America for about 12 years and I have regularly drawn off the line of credit and made payments to the line of credit. Almost all of these transfers were conducted on line. 

As of today, Bank of America can not tell me where my money went. It was not applied to the HELOC and it is not in my checking account. 

I have been in their branch and on the phone with numerous people with Bank of America and no one can tell me what happened to my {$100000.00}. I have had two bank representatives tell me that it has happened to many other recently. 

I have spoken to people on the phone and two people, one of whom was the bank manager, and none of whom can tell me what happened. The bank manager keeps telling me that they will figure it out and get back to me. It has been 15 days and the bank still can not tell me where my money is today.

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 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX and XXXX have been settled and closed as of XX/XX/2020 but Experian is still reporting balances on these accounts and they should be reporting as 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 non-monetary relief
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: AL

Complaint narrative:
I apologize for disturbing anyone who may read this complaint but enough is enough I am tired of Enhanced Recovery Company Reporting this alleged debt on my Credit Report. 

I initially gave them extra time to respond because we are under pandemic but not it's been too long it is inaccurate and even worse it is unproven!!!! The Date of last activity inaccurate the date of first major delinquency not consistent with the Alleged original Creditors date This alleged collection looks reage I contacted them via mail to get them to send me the 1099-OID for this report and they did not reply at all not even with the original creditor or any file that may have answers to questions I have about this Account. So now I want them to upload the proof Original contract with the third party clause naming them as the rightful owners of this alleged debt Furthermore Upload the 1099-OID Original Issue Discount to this dispute portal So far they have not answered any of these requests yet continuously report on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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:
The information for this account is incomplete and INACCURATE across XXXX  and TransUnion. 

Reported up to XXXX on XXXX  with a STATUS DATE XX/XX/XXXX with payment history ; STATUS : " Account transferred to another office '' XXXX XXXX # XXXX Reported the TransUnion with STATUS DATE XX/XX/XXXX with NO payment history ; STATUS : " Charged off as bad debt '' XXXX XXXX # XXXX Please remove, per the Fair Credit Act 611

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 2020-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
I was charged for an emergency room visit. I never received any care wat so ever. My infant was taken to the hospital but was never seen for anything, I left because the wait time was absolutely too long. I ended up taking her else where to receive care. There is an outstanding bill of XXXX from XXXX XXXX XXXX. 
This is totally false and they are trying to scam me out of money.

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 2020-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXXXXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX  XXXX Docket # : XXXX Source : XP/XXXX/XXXX  File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX 0 BANKRUPTCY XXXX/XXXX  WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet,  Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have
to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-10-21 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: NJ

Complaint narrative:
The accounts listed here are fraudulent. I'm demanding they all be removed because they do not belong to me. If the credit bureaus do not remove these fraudulent accounts I will file a lawsuit. Fraudulent accounts and inquiries have been sent to the credit bureaus along with ALL supporting documents. Fraudulent items are as follows XXXX XXXX XXXX XX/XX/XXXX {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX {$430.00} ; XXXX XXXX XXXX  XX/XX/XXXX {$220.00}. Fraudulent inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted disputes to equifax regarding two accounts on my report ( with them only, not XXXX  or XXXX ) that do not belong to me. In addition, there were numerous addresses that Id never heard of and a suffix XXXX added to my name thats not correct. It has taken a month, hours and hours of phone calls, and the issue is still not resolved. They finally today gave me an update, but the XXXX is still on my name, they added XXXX XXXX to my address for some unknown reason ( its a house! ) and told me one of the two disputed accounts was verified accurate. I called the bank in question who told me in no uncertain terms that they dont have an account with me and would not report that to equifax. Someone over there seems derelict in their duties. Im the farthest thing from a xenophobe, but I want to add that in the 10 or so calls Ive had to try and make to resolve this, every person has had the same strong accent, so they may want to reconsider if outsourcing this job to save costs is worth the loss in consumer confidence. Im beside myself right now and wish there was some recourse I could take against a company that I dont have a choice on whether or not I deal with behaving so irresponsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Various and continuous threats to collect the debt during this pandemic has put me in a place where anxiety has taken over and its affecting my mental health I have been hit very hard this year and would like it to end on a good note I would not like to be threatened over a very small dad that could have been easily removed and I would like this dispute to be over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting inaccurate information with Experian, XXXX, and XXXX. 

Experian is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

XXXX  is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611

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 2020-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
hello The following is the message I sent to Chase Ink for Business which will also describe my compliant about the company : " Hello, I had made a claim using one of the benefits of my chase card ( extended warranty ) and the claim was denied. 
The claim was originally for a XXXX  that was out of XXXX  warranty ( 12 month ) however as stated in the members benefits page, chase card services is suppose to cover the warranty for an additional 12 months. I had filed the claim at the 20th month period after I purchase the phone, however the reason my claim was denied by card benefits service was because they think it was still within the XXXX   warranty. 
So now I am stuck, when i first file the claim, the service agent told me that that my claim will go through as it was within the parameter of the claim. If i would have known that it would be denied, I would have just out that money toward a brand new phone. 
I have been a chase business card holder for a few years now and I have been a good customer with my spending and my payments, I would like for you as a company to honor your end of the bargain when you offer these benefits to customers or else I don't see a reason to stay. 

Thanks '' I have sent this mail to chase and no reply regarding this issue. Please help Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-21 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: FL

Complaint narrative:
TODAYS XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : US BKPT CT FL XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY XXXX XXXX XXXX PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( XXXX  ), and Richardson v. Fleet, XXXX  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2020-10-21 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: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY TU/EF WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XX/XX/XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: AL

Complaint narrative:
On XX/XX/20 I contacted the card company XXXX XXXX  - Way2 Go Card about unauthorized charges on my card. Fraud Service Dept for the card sent along papers for me to complete that included the fraudulent charge, which I completed and returned. I received a letter stating that a provisional credit of XXXX was added back to my account. A few days later they took the money back out of my account and sent another letter stating that there was a conflict in the information I had submitted. I did make a mistake by adding one item that was not fraud but a valid purchase. The error amount was for {$27.00}. I have tried almost everyday to get in touch with the fraud department with this card. I am placed on hold and no one ever answers. Most recently I was on hold for 4 hours and had to hang up. I spoke with XXXX today and she stated that the case was closed on XX/XX/20 and I would need to reopen the investigation and she could not do it. I had to speak to someone in the fraud department. I expressed my concern with being transferred to the XXXX XXXX XXXX. to XXXX, " no one ever answers '' she apologized and stated that she could not help any further other than transfer my call the the fraud dept. She transferred the call and I am now on hold. I have been on hold for XXXX hours. There is {$2800.00} fraud charges on my account and I can not get any help from this card company. I need my unemployment money returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I requested a free copy of my annual credit report in XX/XX/2020. Equifax requested identity documents. I sent them a copy of my power bill with current address and social security card with the page and report number, etc that they sent and asked me to return. They took my documents and never responded. They stopped providing me credit reports several years ago. In fact I have not been successful in obtaining my credit report from them since they exposed MY DATA in the data breach. 

I believe it is a violation of my FCRA rights for them block me from my own credit report like this, repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 — Investigation took more than 30 days
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The mortgage was under going litigation with the permission for a payment plan from PNC. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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:
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.

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 2020-10-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
There is inaccurate information on my credit report. I have attempted to resolve this with the creditors but was unsuccessful. I was not initially aware of the impact my information had on my credit,. I am trying to take steps to correct prior credit problems. The inaccuracies make it difficult to obtain new credit. Please help me to resolve this matter.

Company response to consumer: Closed with explanation