vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Monday XX/XX/2020 I opened a Bank of America advantage checking account. By Thursday of that week, only 3 days later, I was unable to login to my online banking with a notice that said " online banking is unavailable to you at this time ''. The only email I received that day was a notification that my new ATM card was on it's way. I called XXXX to see why I couldn't access my account online and was told I needed to take 2 forms of ID into a branch and have them call so I did that right away. That's when I was informed that my acct was closed and the ATM card was cancelled. They will not tell me how or when I can get my {$650.00} balance. My payroll direct deposit was accepted after the acct was closed and they won't give me my {$650.00}. account closing balance. They have not informed me at all whatsoever in writing that my account has been closed. I only found out because I have no access to my account or my money and I went into the branch to find out. My family needs this money to live and to buy groceries. This is a hardship for my family and I need answers and I need my money a.s.a.p When I googled about my situation, i found numerous other complaints exactly like mine so I decided to call my local branch in my city and get more info. I was told this is very common and can take up to 3 weeks to receive my closing balance. How is this even legal? That's MY money! Other people have reported waiting up to 5 months to get their money back from Bank of America. Another person said it took her 86 days to get her closing balance from Bank of America. Please investigate this. My family is in a desperate hardship because of this. I'm at a loss at this point, literally, and don't know how else to proceed.

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 2020-04-23 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the equifax data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX XXXX File Number:XXXX Equifax File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

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 2020-04-23 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX Transunion File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 2020-04-23 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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the XXXX  data breach & i have filed my claims accordingly i have been attempting to clear credit  report of these fraudulent items Experian Report Number XXXX XXXX File Number:XXXX XXXX File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number 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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo HAS VIOLATED THE FDCPA. THEY INFRINGED UPON MY RIGHTS A CONSUMER. REVIEW MY ATTACHED AFFIDAVIT.

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 2020-04-23 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: CA

Complaint narrative:
CFPB Previous complaint # XXXX Still not received the refund yet as their Balance Transfer debt is closed due to corona virus. Please see attached letter mailed but no answer yet. 
On XX/XX/2019, I called and requested a Balance Transfer to American Express card to transfer the balance from XXXX XXXX   credit card to American Express credit card in the amount of {$3600.00} plus {$100.00} which American Express has charged on my Credit card Account to pay off the XXXX XXXX Credit card.Until this day today till present XXXX XXXX  XXXX has not received the payment from American express yet. American express claims that they received the payment but need third party verification I did all I could do on my end by calling both the banks every day XXXX have been almost every day calling both the banks to resolve this payment issue but both the banks are not willing to resolve this payment issue. Now I owe the same balance on the both credit card accounts in which case XXXX XXXX should have received the payment or should have cleared the payment.I told the American Express to put a stop payment on the check that they issued and I would like to dispute this charge {$3600.00}. plus {$100.00} fee because the balance transfer was never completed.in other words the balance transfer payment does not appear on the other account. Every time I call American express they tell me to call union bank and both of the banks are of no help no. At least one of the bank has to give me refund for these amounts {$3600.00} plus {$100.00} fee back and American express is telling me that now I lost this money I can not get refund but the Balance Transfer to XXXX XXXX  was never completed.I need a solution and my rights that How can I recover my money back from American Express in full. my Credit report even shows balances on both the cards. I need a fair and justice decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
XX/XX/XXXX Persolve legal group counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX Persolve legal group collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date Persolve legal group has failed to comply. 
multiple good faith efforts have been made, to date the only attempt Persolve legal group has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Sierra Credit Corp
State: CA

Complaint narrative:
Complaining about Company : Sierra Credit http : //sierracredit.com/ Sierra Credit Corporation XXXX XXXX XXXX. 
XXXX This company repossessed my car XX/XX/2020 in the height of Covid19 quarantine. Im an uber driver and I lost my income since quarantine 2nd week of XXXX. 

I informed them thru email about just getting another job XX/XX/XXXX and will be receiving my first check on XX/XX/XXXX. 

Even with this communication, they still towed and repossessed my car. I dont know how much more excess fee on towing I will get. 

This company needs to be reviewed. 

Financing companies are extended loans by the Federal Government to cushion the financial status of small businesses during this unexpected epidemic recession. 

They are afforded extensions and interest perks by the Federal government, I wonder why they SQUEEZE their clients dry poor especially during this national emergency. 

I know Im not a perfect client and have been delayed in payments but these people, this company is SHREWD to be enjoying taxpayers money while they leave their clients poor by UNREASONABLY grabbing their hard earned assets. 

This company has no compassion for its consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have reached out to XXXX  to ask to remove the loan for a car loan from Santander Comsumer u in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to Experian to ask to remove the loan for a car loan from XXXX XXXX XXXX in the amount of XXXX it was originally supposed to be settled with company in the amount XXXX which was done in XX/XX/XXXX as settled instead it was put on credit as charge off. I have send forms paper mailed out forms and complaint XXXX XXXX nothing again XX/XX/XXXX instead they added it back to my account and recently damaged my credit. Im asking this loan is settled to please remove my account or atleast to please stop the damage to my account. Im not getting help from anybody

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 2020-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  counsel stated that I was not entitled to documents ( to verify debt and determine if the take it or leave it offer made was truly fair and reasonable ) XX/XX/XXXX XXXX XXXX XXXX  collections manager makes a take it or leave it offer ; in the condition that state bar complaint be withdrawn XX/XX/XXXX Sent Amended Notice to Produce ; to date XXXX XXXX XXXX  has failed to comply. 
multiple good faith efforts have been made, to date the only attempt XXXX XXXX XXXX  has made to resolve this matter is a take it or leave it offer. 

I am asking for your help to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I am trying to add money but Serve will not let me. Their fraud department has to resolve the issue and during the Covid pandemic it takes more than 3 hours to get a person on the phone. 
I called 2 times on XX/XX/2019 I called 1 time on XX/XX/2019 I called 5+ times XX/XX/2019 ( I spent 3+ hours first call, 3+ hours second call ) They did not resolve the issue. Every time I add a new card this happen even though they have already verified my new debit card source of funds by sending transactions to the debit card being and I verified them successfully the serve card never loads and the people that work there are unable to resolve it without calling a multiple number of times. Now with multiple hours on hold each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I have a current auto loan with consumer portfolio services. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and CPS offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute CPS would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 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: CA

Complaint narrative:
Good Evening or Good Morning! Listen, Im not sure who I need to talk to in regards to this issue. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. Due to the fact that Experian failed to verify, correct or remove this bankruptcy per FCRA requirements, they need to remove this immediately.

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 2020-04-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have a current auto loan with XXXX XXXX XXXX. They report that I was 29-60 days late for XXXX and XXXX. there was a payment made on XX/XX/XXXX and XX/XX/XXXX and the account in current. I don't understand why they would report that XXXX is XXXX day late and my payment was due on XX/XX/XXXX and XXXX offered me a deferment due to COVID-19. I will provide documents. when I tired to upload the documents with my dispute XXXX would not allow me to access my account. I wasn't able to find my XX/XX/XXXX payment receipt but I have their records and they didn't record that payment until XX/XX/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 2020-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bass & Associates, P.C., Attorneys at Law
State: TX

Complaint narrative:
Bass & Associates, P.C. is refusing to provide the original promissory notes as requested by me along with the back side of the note. Ive sent them several letters which includes Notice of Rescission, Breach of Agreement, etc. They only send back a generic typed letter never giving me responses to my letters. According to the Federal Trade Commission its unlawful to furnish certain deceptive forms and Bass & Associates isnt following protocol by law. Ive included all of the letters Ive sent them thus far along with the latest response from them stating I cant get my original promissory notes which is against the law. There is no way for me to know the documents they send me are in fact original unless I can get an original promissory note. I rescind all contracts USC Article 1, Section 10, UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANCORPSOUTH BANK

Complaint narrative:
I am an American Citizen residing in The XXXX XXXX. My Father, XXXX XXXX XXXX had an account with BancorpSouth Bank XXXX XXXX XXXX XXXX, XXXX XXXX Texas. My father passed away on XXXX XXXX XXXXPrior to my Father 's passing, my XXXX XXXX XXXX had power of attorney for his finances. 

My brother has my fathers will. I have had to pay a lawyer {$3000.00} just to make my brother take the will to the courthouse. 

On XXXX XX/XX/2019, my brother has distributed my Father 's bank account as per the will. 
I do not know if this has been distributed correctly as my brother will not show me what was in the bank account at the start. 

I do not know how he has managed to distribute and take some of my Fathers money from his bank account and close it when he has not been appointed as the executor. ( no-one is the executor as of yet by law ) My brother only had power of attorney whilst my Father was alive. 

I called the bank and they will not tell me anything as my name is not on the account. 
My brother 's name is also not on the account, he just had power of attorney up until his death. 

I was coming to America prior to the Corona virus outbreak. Now I am stuck in the XXXX XXXX not able to do anything.

Company response to consumer: Closed with explanation