vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2021, my phone was stolen from a restaurant that me and my daughter had breakfast at, I have my passwords saved/written down in my notes/apps such as XXXX, XXXX, XXXX XXXX XXXX and XXXX. I was able to retrieve my phone using the Find my iphone app XX/XX/2021. Once I got my phone back, I seen that whoever stole my phone sent out {$8700.00} dollars out to different merchants such as XXXX ( {$600.00} ) XXXX XXXX ( {$2800.00} ), XXXX XXXX ( {$1800.00} ) and XXXX ( {$3500.00} ) to people I have NEVER sent money to. I did not authorize these transactions. It was not hard to do this if my phone is STOLEN AND UNLOCKED. I made a couple claims to my financial institution which is Bank Of America on XX/XX/2021. Today is XX/XX/2021. I have talked to multiple associates/supervisors. Ive been told different information where I would be credited my funds by a certain time, which did not happen. Some associates were not helpful and acted confused to what was going on. Some tried to transfer my call, Ive been hung up on multiple times, one claim has been closed 2 different times but also reopened due to New information being provided but I told Bank Of America the details from the 1st day I made the claims. Ive provided a police report, FTC identity theft report, and affidavit thats been NOTARIZED to multiple fax numbers XX/XX/2021, XX/XX/XXXX & XXXX that I was told to send to from different associates. Different associates said they made notes of info I provided, but is not true, because when I speak to someone different, they dont see certain statements that have been supposedly noted. I am very frustrated because its an emergency and disturbing me and my daughters livelihood, household a d finances. Ive been credited my funds through XXXX already. I am have not been refunded the other merchants, which have informed me the refund should be from my financial institution which is BANK OF AMERICA. Ive went above and beyond to expedite these claims and exceeded the requirements of regulation XXXX as a consumer and natural person. I need my funds credited to my account immediately as per regulation XXXX the time for my funds to be returned to me has exceeded.

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 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: FISERV FINXACT CORE
State: IN

Complaint narrative:
Since XXXX, I have had my check payments " declined '' by three- ( XXXX ) different merchants that use Telecheck XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX all telling me to contact " Telecheck XXXX for an explanation. Coincidently, there was XXXX XXXX the $ amount in my checking account at the time that each check was " declined ''. 

I have tried more than eleven- ( XXXX ) times, since XXXX, to contact " Telecheck XXXX by both phone and online : XXXX. When I call the given number, XXXX, I enter a merry-go-round of questions which eventually either asks for information already given or advises me to inquire online - never able to talk to a person. 
XXXX. When I attempt an inquiry online, it asks for my SSN, bank account number, and bank routing number without advising me that it is a secure site. Without all this information, the inquiry can not be submitted. 

Also, in good faith, I have attempted to contact " Telecheck '' at their XXXX, GA, and XXXX, TX, addresses by XXXX " certified mail '' - sent XXXX. 

I can only speculate that it is related to an echeck incident at XXXX XXXX XXXX on XX/XX/27 which has already been resolved and all NSF fees refunded ; but, I don't know that. 

Coincidently, XXXX XXXX processed a check on XXXX for a large amount without incident. 

I am " old school '' and pay my bills by check. I don't want to be embarrased anymore when I hand or send a check for payment and it is " declined ''.

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 2021-12-06 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: CA

Complaint narrative:
On XX/XX/2021 I wrote to TransUnion to bring to their attention multiple accounts they have furnished on my consumer credit report that were false and/ or inaccurate. In my letter, I explained the reasons for the accounts being false and the reasons why they require removal. In accordance with the FCRA, a federal law, I was very clear and gave them ample time ( 30 days ) to reinvestigate these accounts and provide me with specific information from their investigation - also in accordance with federal law. Although federal laws are also public knowledge, I also explained to them in my letter that if they did not conduct a proper investigation as required by law within the 30 day window, these accounts would need to be deleted from my consumer credit report. To add to my certified mail receipts, I have sent them a demand to comply letter on XX/XX/2021, 31 days after the dispute was initiated. It has now been more than 38 days. Federal law states, that credit reporting agencies have assumed a vital role and there is a need to insure they exercise their grave responsibilities with fairness and respect to the consumers privacy. Federal law also states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner which is fair and equitable to the consumer. At this point, this is not fair or equitable and it has caused me much distress, as well as resulted damages, to still have these inaccurate and false accounts attached to my credit report. Please, support the consumer agencies in doing what they already must do- comply with federal law and treat consumers fairly.

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 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have had a Capitalone credit card since 2001. I have always paid my bill on time and in full. It is a business card and throughout the years, I have changed the name of the business without issue. However last week, when I tried to change the business name ( please note that in these 20 years, my personal name and social security number have always been on the card ) I got a call back saying they were cancelling my card in 60 days and I would have to apply for a new one. This is problematic since I froze all my credit information with the three credit report agencies when XXXX had the huge data breach a few years ago. I don't want to have to unfreeze and then freeze again. Besides, Capitalone has 20 years of history with me and that history has been without blemish. 
While I spoke to an agent and then her supervisor, their decision process seemed arbitrary and deceptive. Why now? Is this some form of discrimination? I had no letter from Capitalone explaining their policy and why. The agents were reading from a script and couldn't enlighten me about the company 's rational. On a practical level, why turn away someone who had been an excellent customer for many years? `As far as I know, they didn't research my account and my excellent history with the company. 
When they told me that I would be cancelled in 60 days, I cancelled the card immediately. I didn't want to do business one more minute with a company that had randomly cancelled my business after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KS

Complaint narrative:
This is in regards to original complaint i filed ID # XXXX on XX/XX/2021. 

The company stated they would be crediting the {$96.00} back to me in their response to my original complaint. However, that was on XX/XX/2021. I have not received this credit and my complaint was closed. I would like to keep my complaint open until the credit has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a Court Order, dated XX/XX/21, appointing me Guardianship of Estate & Person for my brother, XXXX, who has been determined, by XXXX XXXX, to be XXXX of XXXX XXXX XXXX XXXX. In my role as Guardian, I applied to the Social Security Administration to be " Direct Payee '' for my brother 's Social Security and Supplemental Security Benefits. On XX/XX/21, the SSA officially established me as my brother 's Direct Payee. My next move was to apply for XXXX for my brother to supplement his care. However, XXXX requires me to list my brother 's financial status, which includes the bank account where his SSA & SSI benefits have been being deposited. I contacted the SSA, and while they gave me a Bank name, BBVA ( now PNC ), and Account Number where the funds are being deposited, they told me that it is my responsibility to contact the bank and ascertain the balance, etc ...., in the account. On XX/XX/21, I visited the local PNC bank, told them of my situation and provided a copy of the Court Order and SSA letter appointing me as Direct Payee. The lady that I spoke with did locate the account. However, the address associated with the account is incorrect. She said that all correspondence from PNC Legal would be by mail. When I reiterated that the address was incorrect, she said, " well once the correspondence is returned due to an invalid address, that they would use the address on the SSA letter ''. Go figure? When I asked when can I expect to hear back from PNC Legal, she replied cynically, " there's no way to know when you'll hear from them. I visited the PNC branch again on XX/XX/21, with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I tried to log into my MoneyGram account to send my mother {$100.00} on XX/XX/2021. When trying to log into my account I was told that my account was unavailable. I contacted customer service by chat. The representative researched my account. She told me that MoneyGram had closed my account due to prior loss of money. I had an issue several months ago where I sent a wire transfer to an individual. I never received the product, nor did I receive my money back. I did report this issue to MoneyGram at that time, and did not hear anything back. Why am I being penalized by having my account closed when I did nothing wrong? I reported the issue that occurred several months ago when it happened but didn't hear anything back. Also, MoneyGram never notified me that they closed my account. I find the closure of my account to be on unethical. Why should my account be closed for an issue that was not my fault? I was the one that was scammed several months ago. This issue with my account being closed and me never being notified forced me to search to find other options to send my mother {$100.00} that she needed emergently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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:
I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. 
The account is through XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
My credit report has derogatory trade lines that are over 10 years old not in compliance with the FDCPA & XXXX. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : 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 2021-12-06 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have recently closed on a mortgage and received a copy of my credit report. There is an unauthorized inquiry listed on XX/XX/2021 from JPMCB that I did not pursue. Please remove inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report has derogatory trade lines that are over 10 years old not in compliance with the FDCPA & XXXX. Please make an inquiry as have my credit report corrected and updated with all credit bureaus. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, TX XXXX TX Drivers License # XXXX SSN : XXXX U.S.Passport # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was notified that the promotional offer was about to expire on my Care Credit Synchrony Bank Account, so I increased payment from {$600.00} to {$900.00} in XXXX to cover the amount. The company then stated they charged interest on a second promotional offer on the same card that I was not aware of. The customer service representative stated that they had split the payment instead of applying it to the expiring offer. The supervisor then gave an entirely different explanation saying that there were 3 different offers and stated that there was a grace period, but it had also expired. I was not notified about this either and was charged over {$1000.00} in interest fees. What I have available on promotional offers is a screen that says " differed no interest if paid in full by XX/XX/2022 ''. This screen does not show any other offers. Charging interest is deceptive business practice. In addition, I was charged interest on the entire balance which isn't supposed to be due until XX/XX/2022. I have attached a screenshot to show the only promotional offer I can see on the promotional offer screen. 

If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. On a Fixed Payment ( Extended Payment Plan ) promotional purchase, the Interest Charge is billed monthly and included as part of the Minimum Payment due. 
DEFERRED/NO INT IF PD IN FULL {$7600.00} Balance XX/XX/2022 Expiration Date

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 2021-12-06 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: PA

Complaint narrative:
This is my 2nd complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I wish to complain about the charges brought up by XXXX XXXX XXXX ( ambulance transport service, Creditor Account Number xx-xxxxxx ) which happened 9 years ago. And on XX/XX/XXXX, I received a letter in the mail dated XX/XX/XXXX, from which WAKEFIELD & ASSOCIATES, is asking me to pay {$3000.00} in behalf of XXXX XXXX XXXX that had accrued interest of 7.00 % from the service date XX/XX/XXXX. 
When I read that letter, I contacted one of your representatives ( WAKEFIELD LAKE & ASSOCIATE REPRESENTATIVE ) and he gave his name as XXXX XXXX no last name ). As I spoke to him on the phone, I informed him ( XXXX ) that the amount they ( XXXX XXXX  XXXX ) gave me thru WAKEFIELD & ASSOCIATES are unfair. XXXX and XXXX are my insurance providers and based on the reviews I read about XXXX XXXX  XXXX, most patients ' complaints are about billing ( not billing the insurance providers ). 
I am permanently XXXXXXXX due to the XXXX  XXXX I acquired in the year XXXX. And I'm fully aware that before I was released by the hospital, which I was confined and rehabbed for almost 7 months, that the hospital and other services provided were cleared by XXXX and XXXX that year XXXX. So, me and my spouse know that we are clear of any financial obligations regarding my hospitalization. 
Finally, as XXXX ( WAKEFIELD & ASSOCIATES REPRESENTATIVE ) suggested, write them a letter with the reference number XXXX. I am a permanently XXXX person, my medical doctor advised me not to work because I can not handle any XXXX XXXX XXXX XXXX  and as of this date I'm just relying on my family 's support. And the letter that I received from WAKEFIELD & ASSOCIATES puts a lot on me, both XXXX XXXX XXXX XXXXPlease HELP ME and kindly intervene in my behalf, so this people/ collection company that represent the interst of their client company will stop any future harrasments of some sort bec. my mind and body can not tolerate such pressures both XXXX XXXX XXXX..thank youXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: ID

Complaint narrative:
Under the Presidential Covid Relief Act, homeowners that needed to go on mortgage forbearance could do so with no negative impact to their credit. I was told that I was in good standing to go on the program and could still make whatever payments I could while on the program to help buffer the end cost. After trying to refinance I see that they reported me 30 days late for 15 consecutive months. I have filed disputes with the credit bureau three times and file a official complaint with LoanCare. Due to this huge negligent error I am unable to refinance as it trashed my credit, and now I am looking at my children and I losing our home because I ahve to refinacne and get my ex husband off my loan. Lastly he is also suing me for his credit being damaged due to this error. After numerous attempts to get this corrected nothing has been fixed.

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