vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America credit card is DISGUSTING! I purchased renters insurance for one year with XXXX XXXX ( through XXXX and a HUGE MISTAKE! ) on XX/XX/XXXX for {$140.00}. The agent charged me and stated I would get the declaration page through email but days went by and I never received it. XXXX couldnt find my policy nor my information the five times I called. So I disputed it with the bank. Finally, XXXX found my policy ( which was really weird ) so I then closed the dispute and the funds were put back onto my card. 
A few weeks later XXXX started harassing me that I did not pay the policy in full and I still owed money. XXXX claims BOA never released the funds ( basically stole my money ) I even reached out to XXXX XXXX, from XXXX XXXX ( who now changed her number ) who stated my policy is paid in full and to ignore all the emails. 
Well now, I AM WITHOUT RENTERS DUE TO XXXX CANCELLING ME!!!! 
First off, I want to explain the lack of customer service skills BOA representatives have. They literally will not answer your call for up to an hour, each and every time you call. It does not matter what day of the week nor time of day, know that you will be waiting on the phone for a ridiculous amount of time. That is unacceptable. The representatives have been giving me the run around about the dispute. One rep in particular, XXXX, left me a VM and I have been calling her back 3 times every day since and she still has not responded. After reporting them to the XXXX, they are doing the bare minimum to say they are at least responding, but no one is really working on it. I called yesterday and after waiting two hours to talk to someone, I was told there wasnt even a claim number for my dispute!!!! 
Plus, BOA is keeping the funds on my credit card even though that amount is being disputed and the service is cancelled!! 
BOA is insisting XXXX has my funds so they are not doing anything about it. I am NOT PAYING for a service I no longer have. One of these companies stole my money and I for sure am not letting this go until I get refunded!! 

Please note- if you need any other documents for proof, I will gladly provide them to you!

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 2021-12-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$980.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$660.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$980.00} XXXX FIN XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Balance {$360.00} XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 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 2021-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I have been a loyal member of Chime for 3 years. On XX/XX/2021 I was recently a victim of fraud. My debit card was copied and used at an ATM in XXXX, Arizona. 

I quickly filed a police report and completed necessary dispute form and sent all required information to the Chime Bank XXXX XXXX. On XX/XX/2021 I was issued a provisional credit of 318.00 ( Total of ATM withdrawals + ATM fees ). 

On XX/XX/2021 I received an email advising that no error had occurred. I requested a rebuttal due to the fact that I did not make the ATM withdrawals and completed all steps required by Chime to resolve. I am now being advised that my account will be debited 318.00 on XX/XX/2021 despite me providing the actual police report document. 

The transaction took place in XXXX Arizona. I am in XXXX and could not have physically made these transactions. I am single mother who has recently become unemployed. I am typing this with tears in my eyes as I have pleaded to Chime to make things right. I have cooperated with Chime throughout this entire process and as a consumer would like to be extended that same grace. I have remained loyal to Chime throughout their early stages, technical errors, class action lawsuit, etc. and do not believe I am asking for much by requesting that same courtesy and loyalty be extended to me. As I write this, I have no idea how I am going to feed my family and Chime debiting the provisional credit amount would only put me deeper in a bind. I am incredibly disappointed by the lack of ethics, integrity, and system processes Chime has in please. 

As a consumer this is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Credit Control, LLC
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer reports by using different XXXX XXXX XXXX XXXX addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. Credit Control , LLC purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from XXXX XXXX XXXX XXXX. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from XXXX XXXX XXXX XXXX. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about 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 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 2021-12-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Issue is with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, Co  XXXX Ph # XXXX XXXX XXXX XXXX this is the Escalation Dept. My wife and I closed and paid off the Home Equity Line of Credit on XX/XX/XXXX paid all satisfaction fees to Specialized Loan Servicing so that they could notify XXXX XXXX in Pa  and have the Lien Release filed with the county. XX/XX/XXXX spoke to Specialized Loan Servicing and was told that all fees paid just waiting to close out the loan. XX/XX/XXXX We received a Home Equity Line Statement showing that the Account was closed so we figured the Lien Release was filed with XXXX XXXX XXXX Pa. In late XXXX   we completed another mortgage application with XXXX and were told that we still had an open lien with XXXX XXXX XXXX in the amount of {$280000.00} ( XXXX XXXX XXXX  was the original lender on the Home equity Line of Credit but it is now being serviced by Specialized Loan Servicing ). XX/XX/XXXX I called Specialized Loan servicing and was told they had not filed the Lien Release with XXXX XXXX XXXX Pa  would do that should be done 5-7 days. XX/XX/XXXX Lien still not showing satisfied had to email Spec. Loan Servicing copy of the Mortgage Documents from XXXX XXXX. XX/XX/XXXX they acknowledge have docs. As of today XX/XX/XXXX still not completed and they can't tell me when they will get it done. I had made several phone calls and asked to speak to a Supervisor and have been told they would call back. Finally heard from a supervisor and she told me they didn't file the lien release because they didn't know how much my Home Equity Line of Credit was for - I noted I had emailed them the copy of the mortgage from XXXX XXXX.so they should know it was for {$280000.00} She said would notify payoff department and let me know when they would get this taken care of. on XX/XX/XXXX Specialized Loan Servicing called and noted that my case had been escalated to get the Lien Release completed but could not tell me when it would be completed. I asked them if they could email me a letter to show to my new Bank that the Lien Release is in progress and She told me that they would not be able to do that. 
At this point I don't know what to do as I can't get my new Home Equity Line of Credit approved until the Lien Release is filed with XXXX XXXX XXXX Pa.

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 2021-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am XXXX and I am submitting this complaint myself and there is no third party involved. 

I XXXX, consumer, natural person and original creditor of an open-end credit plan was denied my right of credit by Discover Financial Services XXXX Inc d/b/a Discover. I was notified of this transgression of my rights specifically 15 USC 1601 - The truth in lending act. I as a natural person possessing an open-end credit plan was harmed by Discover Financial Services , INC d/b/a Discover adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ) Discover Financial Services, INC d/b/a is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquires that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Solutions has been violating my consumer rights and I have NEVER done ANY business with them, nor have I even heard of them prior to their harassment. I've received numerous phone calls from Portfolio Recovery Solutions, harassing me, they refuse to even identify themselves. I DO NOT KNOW how they have ability to contact me, Ive NEVER given them my information or permission to do so. Portfolio Recovery Solutions called XX/XX/21 at XXXX, I demanded they NEVER contact me again, and informed that I DO NOT OWE ANY debt or obligation to them yet the calls kept coming in, On XX/XX/21 at XXXX and XX/XX/21 at XXXX ; XXXX and a few other times. Portfolio Recovery Solutions calls from different numbers at ANY time, they completely ignore my Affidavit and cease and desist letter signed by notary under penalty and perjury XX/XX/21. PLEASE HELP ME stop this fraud and receive the remedy afforded by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX Credit Card Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to XXXX XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX XXXX XXXX I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXXsince that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, 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 non-monetary relief
Consumer complaint received 2021-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened my savings account with TD on XX/XX/XXXX in XXXX. had no issues till today XX/XX/XXXX when I realized a fee of {$4.00} was being taken out my account for each withdrawn/transfer to my checking account was made. of a total of XXXX charges since XXXX ( {$270.00} total ). So I called the TD banks line and I was told the fee was a government regulation, due to me transfer more than 6 times ( using electronic methods ) So I told she was wrong it was not a government regulation because I have a chase account and they don't charge, so she change her story, saying it was a TD bank rule that only allowed me to transfer 6 times a month without fee, putting more pressure on her, I learned that if I didn't want to pay any fee I had to go to a branch and used the ATM machine to transfer every time. So I went to the bank on XXXX XXXX and talked to a manager XXXX, I expressed my concerns with the fee and she told me it was on my contract, that I had signed for it when I first opened the account,. I told her I was never told of that ruled and it was not in my contract, I requested a copy of contract and she stepped out for XXXX minutes and came back with saying that the new rule was applied this year starting on XX/XX/XXXX. they said they sent a letter out to all savings costumer, which I did not received, she made to log into my online statement and pointed out it was written on top of my month statement ( in very lower caps, you can barely notice ) in the statement mentioned the fee but it did not mentioned that you could go to a branch and make the transfer without any fee using their branch ATM. She also showed a letter that was sent out to each client, which I never got it, the letter it is written in a large format, and you can read clearly, I believe they did not send to anyone that has a savings account with them that letter ( which does mention the no fee transfer at the branch ). I am looking to have the {$270.00} fee refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX Regarding : Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a XXXX Charge Card tradeline in my credit files that I would like to have revised. 
I received the XXXX card in XXXX, several years before I experienced the death of my late mother to stage XXXX XXXX XXXX. Later when I experienced the death of my mother, I became disorganized with respect to making timely payments with XXXX as it was a very hard time for me in my life where everything just stopped I lost who I was where I had to even get checked into a XXXX XXXX XXXX XXXX  XXXX XXXX. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the XXXX card late entry -- are excellent. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, XXXX that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX XXXX preclude me from taking full advantage of the very lowest interest rates now available. Since those notations do not reflect my current status with XXXX, I am requesting that you give me a second chance at a positive credit rating by revising those tradelines. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption at XXXX, and I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter. 
Very hopefully yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation