vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : ACCOUNT HOLDER : XXXX XXXX XXXX XXXX & XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( XXXX YRS ) XXXX PERSONAl My name is XXXX XXXX, customer of Bank of America for years, with personal and business, so is my college XXXX XXXX XXXX. 

Ending XXXX, I looking for second job online, at home, since I do that anyway. I finally did XX/XX/XXXX to being after XXXX XXXX XXXX. 

I got job as a XXXX XXXX & XXXX accounts at XXXXXXXX XXXX XXXXXXXX. I am enclosing all the documentation here. I got hired and they asked me to send them for XXXX XXXX, like everywhere else. After submitting all, I started legit my job. On XX/XX/XXXX, with documentation being prepared since XX/XX/XXXX. 

XXXX XXXX, head of hiring XXXX XXXX XXXX, was XXXXne I was dealing with. I got my 3 check that week. First set bounced, so they send them again, bank tells me no funds. Of course quit job, but reality is I had money in Bank of America, so I was the only victim of this. I am XXXX XXXX XXXX never ever bounced a check. Heres how it all happened ( attached all details ) I was a victim Fraud. I understand bank politics, and I am personally working with Law Enforcements In my bank America I have 2 accounts belong to me, one to my son who is away college. Bank of America is closing my account, and my college son who has his own account, although I didnt do anything wrong, in fact I can not remember last time I deposit check. Bank has been processing closing all our money. I am gon na get evicted, I been borrowing money to eat, and my son XXXX years in XXXX XXXX with no money, doing like I am doing borrowing money t olive, although he has in his account his college funds, he needs them asap. 

BOA keeps saying two weeks, I go bank daily, I call XXXX 4 times a day and I never get same respond. I made plice report about company XXXX XXXX. 


Been banking with them long time without any issues. I dont owe them any money, because I have money. I have personal account only because they close accounts can not do transfers. They are telling me to get funds back could take up to 90 days. 

I request to pick up funds, because i can not wait another week. 

I was the victim, checks were return company. Please help me, yes I was robbed, but thats another story. I need bank close send my college kid his money, and mine t olive. 

It has been a month already, we are gon na be homeless, bank has their money, they took it from me, plus have other money. 

Please help Thank you so much 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 monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
I was a victim of identity theft and this account is not mines. I just noticed that this was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural person and a consfasumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
Recently checked my credit report & seen accounts reporting that I do not recognize.

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 2024-02-20 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I was reviewing my credit report and noticed some accounts and inquiries that I did not authorize. I would like the following information removed. XXXX OF ED/XXXX  Account XXXX : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX  Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXXXXXX Balance : {$250.00}.

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 2024-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
I keep the same number with all my creditors XXXX. I have ample evidence, calls, dates. I have called discover time and time again to please keep this number on record. When I call in it shows a different cell number XXXX. Which has bend long disconnected. I can not log into my accounts since XXXX. When I log in the AI system wants to send a code to a number that should not be on record and I no longer have with no other options. I can not make my payment by phone or on line. Its sad to go through this when I called over and over and clearly the evidence shows Discover knows exactly what they did. I reported to consumer affairs. 
This is beyond ridiculous. I am not going to pay a late fee when I can not pay via phone or on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Hi, Since there are fraud transaction since XX/XX/XXXX. I reported it on XX/XX/XXXX. 

It seems there's an error with the way HSBC bank refund the fraud money. 

According to the Consumer Liability section, if I fail to report within 60 days of receiving the statement, I may not be reimbursed for any losses incurred after that period. However, I reported the issue in XX/XX/XXXX, which should count back 60 days from then. This implies that HSBC should refund me for transactions from Mid XXXX to mid XXXX ( 60 days ). 


Unfortunately, HSBC calculated the XXXX period from XXXX, which is incorrect according to the bank policy. Following the policy correctly, I could potentially lose out on reimbursement for transactions in XXXX and early XXXX, but I should receive refunds from Mid-XXXX to XX/XX/XXXX. 

I'm open to resolving this by accepting reimbursement from MidXXXX XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
On XX/XX/2024 I had spoke with Credence Resource Management LLC regarding a debt that is owed. They had stated my debt ( approximately {$1900.00} ). They told me that if I was willing to pay my debt, they would take approximately {$500.00} off of my bill. I stated that I am willing to pay my debts, but needed to speak to them on Monday, XX/XX/2024. 
On XX/XX/2024 at approximately XXXX ( XXXX ) XXXX, I had received another phone call from Credence, even after having an appointment to speak to them about this issue. I immediately requested to speak to the supervisor, XXXX XXXX. 
I told XXXX XXXX everything that has happened yesterday with the agreement, and that the staff member stated that it would be noted to talk to me on XX/XX/XXXX. I told XXXX XXXX that I am filing a complaint because at this point I will not be contacted repeatedly by the company after attempting to set up a payment when I can. It is truly sad that I am trying to do the right thing and pay my debts, but this company will not listen to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: WV

Complaint narrative:
On XX/XX/XXXX we notarized with a notary our USDA Mortgage Recovery Advance Document package. In this package which i can provide a copy showing the dates on the document that state our next payment due date is XX/XX/XXXX in the amount of {$1800.00} and the USDA Mortgage Recovery Advance amount is {$16000.00} which cover our payments from XX/XX/XXXX to XX/XX/XXXX. Principal and interest in the amount of {$15000.00}. Escrow Advance in the amount of {$4900.00}. Suspense Funds credit to interest/and or Advances in the amount of {$3200.00}. The Mortgage company received these notarized documents on XX/XX/XXXX @ XXXXXXXX XXXX. I contacted Freedom Mortgage on XX/XX/XXXX and spoke to XXXX XXXX XXXX number XXXX to see why we are still showing past due and our modification not taking effect. She advised our paperwork was wrong, and I needed to make our XXXX payment even though it clearly states on our paperwork that our next payment us due XX/XX/XXXX. I asked several times for clarification on this only to be advised it was an error on the paperwork and we would have to start this process over again and resign our documents even though this was their error. To date my Mortgage still shows loss mitigation even though we notarized documents and made the XXXX payment of {$1800.00} which according to our paperwork was already covered in our Recovery program. I need help with this. We can not get a straight answer and we have done everything we are supposed to do to get back on track.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was compromised in the XXXX data breach and the following unauthorized accounts and inquiries are reporting negatively impacting my creditworthiness. I mailed a dispute letter XX/XX/XXXX and I will attach it for your reference. It is dated and time stamped. My data breach claim id is XXXX. Please see attached FTC report. Please remove the following from my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION, XXXX XX/XX/XXXX TRANSUNION, XXXX XX/XX/XXXX TRANSUNION

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The only address that should be reporting on my file is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX '' Kindly delete the addresses listed bellow : XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 2024-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
I was given a provisional credit for a dispute. They approved l ( I won ) the dispute but took back my provisional credit claiming the merchant provided a refund. The merchant did provide a refund yes, but it was recharged. Basically what I think happened was that the original payment didn't go through and was refunded and then charged again and did go through. They said that since they save this refund that they took back the credit. Now not only did I have to pay twice for a transaction I didn't even make in the place but I also was overdrafted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural person and a consfasumer.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural person and a consfasumer.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX, XXXX, Equifax has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. 


The infractions are as follows. 


Alleging creditor and account as is reported as having late payments my credit report. 



I am demanding that this account be updated to paid as agreed and never late. 


By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act Experian, XXXX, XXXX has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted.

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately.

The infractions are as follows.

Alleging creditor and account as is reported as having late payments my credit report.

I am demanding that this account be updated to paid as agreed and never late.

By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, authorize nor benefit from following inquires below. Please remove them from my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN 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 non-monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I have XXXX American Express prepaid cards that I have tried to use at approximately XXXX stores over the last week. When I call American Express, I am told that the cards are valid, have a balance, and that the issue is with the stores ; however, after many attempts to use the cards, including at websites listed by AmEx as ones that accept gift cards, I have come to the conclusion that the issue is with the Amex gift cards. It is incredibly frustrating and at this point has remember up many hours of my time.The company called me in the middle of the night and left a message twice saying they needed the card number, but never answered when I called back to give the number.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc.
State: TX

Complaint narrative:
This is not my account and I need it removed from my credit report ASAP! 
The Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

Please provide me with : 1. What the money you say I owe is for.

2. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

As for " American first finance '' the company reporting late payments to my credit report, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character

Company response to consumer: Closed with explanation