vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I work for a XXXX XXXX company in New York as a XXXX. i have received my pay check since there was a technical issue with my direct deposit. i went to XXXX new jersey branch to deposit the check since i was in need money very urgently. i deposited the check and next business day early morning XXXX XXXX funds available, since i was in need money very urgently, i had sent money through XXXX to one of my friend, the amount i sent was {$2000.00}. 

After that bank of America put my account on hold, there should be almost XXXX in my bank account, everything they made as negative. now my bank of America account is showing - {$1400.00}. i called my company HR and every single my co worker about this issue, they all said they don't have any issue with their checks. i called the bank of America they were telling my actual funds will be available on XXXX XXXX   i am not doing any gambling or cheating or fraud, why my account was on hold and why they took my money, i don't have any other bank account to feed my family with XXXX XXXX and XXXX year old kid.

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 2020-10-10 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: MS

Complaint narrative:
I noticed outdated addresses, incorrect names and inquiries that I did not authorize on my Equifax credit report. I submitted a letter twice, one on XX/XX/2020 via mail and XX/XX/2020 via fax and mail requesting that the items be removed. I did not get a resolution into this matter. I even submitted a fraud report to let them know that there was fraudulent activity on my account but all I got back was a generic letter which was around XX/XX/2020. It took 60 days for them to respond to me, when XXXX  and XXXX  were able to remove these fraudulents inquiries and outdated information from my credit report with no problem. That is unacceptable when my credit is at risk, which may have been due to their security breach and they move so slowly to respond and when they do they do not resolve the issue at hand.I am also working with creditors in regards to accounts that do not belong to me. I understand Covid-19 but when other credit bureaus are able to respond to consumer disputes in less than 30 days, why in the world is it taking Equifax 60. Is that not a FCRA violation? I want the old information removed any incorrect spellings of my name removed and these inquiries that I did not authorized removed. I had a fraud alert placed on my credit report because of the fraudulent information that I discovered.

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

Complaint narrative:
I have an unverified account from XXXX XXXX XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2020-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: WI

Complaint narrative:
Mid-day XX/XX/2020 ; I reached out to XXXX XXXX XXXX to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from XXXX XXXX XXXX or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to NCB Management Services , inc. and said for anymore information that I should call them. I called NCB Management Services, inc. shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from NCB Management Services , inc. that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise NCB Management Services , inc. a payment of XXXX. Nor do I believe I was informed by NCB Management Services , inc. during any point in communication that I had the ability to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So I went to withdrawal some money from my account and XXXX $ was taken out from the bank so I go inside and talked with someone and they said that the bank let us Barrow money but didn't know for what so then I call headquarters and then they say my husband had made a call when he was at the atm about a check that didn't deposit so we told them we didn't do that so my husband called and they said I called and said on XX/XX/XXXX and said I deposited a check for XXXX $ and it's not true I said I would like a voice recording of me or him calling that day they said they don't have audio or video from the atm or from the phone call so I go in the bank again the lady said it's from them loaning us money because the claim we made for XXXX $ I said if you loan me XXXX $ for the XXXX $ I said that doesn't add up she was nasty mean so we left I called again and talked with someone she said it has nothing to do with the XXXX $ so I'm trying figure out why my money was taken they can't give me a straight answer they caused me not to have my rent money they never talked to us about this as many times I went in there I have went everywhere to get help and I can't get help I'm just getting talked to like I'm XXXX  can someone please help

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

Complaint narrative:
THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : 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 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 2020-10-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : 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 2020-10-10 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: OH

Complaint narrative:
THIS IS THE SECOND REQUEST TO REMOVE inquires on my report that I did not authorize. Please REMOVE/DELETE these inquiries IMMEDIATELY : 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 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 2020-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: OH

Complaint narrative:
On XX/XX/2020 I took out a loan of XXXX. I was charged an APR of 775.35 % with a total finance charge of {$9900.00} and total of repayments being {$11000.00}. As an Ohio resident under Ohio lending laws I dont think you can charge an APR that high even with XXXX Agreement or consent for alternative interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
A dispute was filed for an item not received, {$790.00} XXXX  XX/XX/XXXX,  package was deemed lost/stolen by the shipper, XXXX. A claim was filed, however, since the package had a signature release there is nothing XXXX could do to reimburse for loss to XXXX. Package was left in an unknown location with no signature it appears. I was in contact with several reps on merchant end regarding this loss/investigation, was given two contradicting stories pertaining to investigation, either it is still on going or it is closed and XXXX can not refund due to signature release.. I filed a dispute for loss as item not received, no signature for it.. It appears the claim was not filed correctly on Citibank end, a letter received on XXXX requests date of cancellation, there is no cancellation date ... I attempted to explain this to several Citibank reps, each person requested I put in writing what I told them, which was already done prior when dispute was filed..It appears the person ( s ) whom took claim did not enter it correctly, I explained to rep ( s ) at the time of dispute filing the package was lost/stolen and XXXX will not refund or issue store credit. However, it appears dispute was filed as an order cancellation, not for lost/stolen package..The claim needs to be updated to show lost/stolen, letters sent via fax as well as email state so, Citibank reps entered claim incorrectly

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 2020-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
SOURCE RECEIVABLE MANAGEMENT THESE PEOPLE HERE ARE VERY RUDE YOU SEND IN LETTERS FOR VALIDATION EVEN CERTIFIED LETTERS THEY WILL NOT RESPOND IT IS THE LAW A PERSON HAS A RIGHT FOR VALIDATION THEY NEED TO BE REPORTED I HAVE SENT IN SEVERAL VALIDATION LETTERS AND HAD ONE OF THEM CERTIFIED THEY STILL HAVEN'T RESPONDED THEN I DON'T KBOW WHAT ELSE TO DO I WANT TO KNOW WHERE THIS DEBT CAME FROM DIDN'T KNOW UNTIL I CHECKED MY CREDIT THIS COMPANY HERE IS VERY VERY RUDE THEY NEEED TO BE PUT ON THE NEWS OR SOMETHING I PROMISE YOU THEY WILL NOT RESPOND TO YOUR VALIDATION LETTERS CODE 809 AND CODE 609 WE HAVE RIGHTS AS CONSUMERS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: WI

Complaint narrative:
Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. 

On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 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:
YOU DID NOT CONDUCT YOUR INVESTIGATION IN THE PRESCRIBED FAIR TRADE CREDIT REPORT ACT 30 DAYS

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 2020-10-10 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 have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with XXXX  and Equifax and disputed these fraudulent items four various time. For some odd reason, XXXX and Equifax will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX   XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX/XXXX  : Inquiry Date : XX/XX/XXXX -XXXX XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX-XXXX   XXXX  : Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XXXX  : Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX

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

Complaint narrative:
I would like to start by saying I am part of the equifax data breach. On XXXX I received a notification from XXXX XXXX about a hard inquiry on my equifax report. I disputed the inquiry same day. On 1XX/XX/XXXX I received the results of dispute as factual. I have not applied for credit recently. I am saving to buy a house and am no longer applying for credit to allow all inquires to fall off. The company is XXXX/XXXX/XXXX  XXXX. On XX/XX/XXXX I  received a further notification of a blocked attempt to access my transunion account. I locked all 3 accounts on XXXX

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

Complaint narrative:
I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with TransUnion and XXXX  and disputed these fraudulent items four various time. For some odd reason, TransUnion and XXXX  will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX/XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX 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 2020-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/2020 I sent {$400.00} to a friend via cash app who does not have access to that particular account. The identified number is XXXX. Ive reached out to cash app and provided them with the verifying information they asked for. They refuse to give me access to the account. They refuse to tell me why and help my further with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/2020, I received an email from XXXX XXXX that my card limit had been decreased. It was my JcPenney Credit Card. I didn't receive an adverse action notice from the company to inform me why my credit limit was decreased. On XX/XX/2020 I emailed the company requesting that my credit limit be restored to the higher limit that it was. On XX/XX/2020 I received an email response back from the company that did not tell me the reason why my limit was decreased and that it would stay at the lower limit.

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