vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a small business owner. I was using XXXX as my credit card processor. Late last year I decided to use a different credit card processor because their fees were too high. After I cancelled their service XXXX withdrew {$570.00} on XX/XX/XXXX and {$490.00} on XX/XX/XXXX from my business checking account at Bank of America by ACH. The reason for these withdrawals were never explained to me and I believe they are fraudulent. I tried to contact XXXX by phone and email many times but they did not answer any of my calls or emails. They never responded back to my inquiry about these withdrawals. I contacted Bank of America about these withdrawals sometime in mid XX/XX/XXXX. They told me they would open an investigation and will contact XXXX. Several weeks passed by during which I called Bank of America several times to find out if there was any progress in the investigation. Every time I called Bank of America told me that they are waiting to hear back from XXXX and that XXXX has not replied to their inquiry. In XX/XX/XXXX when I called Bank of America what the status of the investigation was, I was told the investigation has been closed with no action taken since they never heard back from XXXX. I believe XXXX fraudulently withdrew {$1000.00} from my bank account illegally and Bank of America failed to rectify the complaint I filed with Bank of America in regards to 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 2021-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: NC

Complaint narrative:
I checked my credit report and found Erroneous accounts and inquires which are not mine, as I have been a victim of ID theft. This needs to be removed from my credit report asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I am unable to withdraw my balance in my Binance.us account. I have provided all required documentation, completed all advanced verification requests, provided the same documents through email to their support team and I am still not able to withdraw my funds ( about XXXX USD ). 

My account page is stating that I am fully verified for XXXX and XXXX XXXX XXXX XXXX withdrawals, but when trying to withdraw I get " Withdrawals suspended due to risk management. '' error. 

I have opened multiple tickets with the company, the first one on XX/XX/2020. Since then I've received I few generic responses asking to reconfirm my information ( which I did ), but nothing changed. My funds remain locked and inaccessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Sent a dispute to Experian asking for physical evidence of accounts in my file that I have no knowledge of and they ask me for written documentation? HOW AND WHERE DO I GET DOCUMENTATION ON ACCOUNTS I HAVE NEVER SEEN? According to the FCRA, I am allowed to request this information and yet I am denied, asked for information that I need to pull out of thin air. They obviously are shirking their responsibilities and greeting paid by these creditors or just 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 2021-04-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
I took out a loan from this company on XX/XX/XXXX for {$750.00} I have currently been paying this loan to the best of my abilities but due to my hours being reduced and struggling financially. I sent them an email on XX/XX/XXXX and advised them to stop collecting ACH drafts. I received a response back ( see attachments ) that the request was processed on XX/XX/XXXX. I received another email today,XX/XX/2021, stating they are STILL going to collect payment via the ach draft when I asked them to stop with proper 3 days notice. I can barely afford food and on the verge of bankruptcy. I asked them to stop collecting payments so I can send them payment on my own terms as my bank account is not an option at the moment. I do believe I have this right but based on their response they are disregarding my request. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: NY

Complaint narrative:
I AM TIRED OF WRITING TRANSUNION, XXXX XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

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 2021-04-14 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: NY

Complaint narrative:
I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I just got off with a rep from Transunion and verified who i am. They did not know why I even needed to call in. She said you received my dispute request and its in progress what the XXXX is going on over there. Oh and my calls record too. You close my first complaint saying need auth and your rep didn't understand why. This investigation is taking to long. My original complaint : Hello. I am writing this complaint because Transunion has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items 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 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pendleton Capital Management
State: MO

Complaint narrative:
On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
" Bank America is blocking you from enabling external applications. The Consumer Financial Protection Bureau makes sure Banks, and other financial companies treat tou fearly. You can alert Bank of Amarica that you need access to your financial data by filing a complaint with the CFBP ''. 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 2021-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: NV

Complaint narrative:
My mother XXXX XXXX and I, XXXX XXXX were on a loan that was done in XXXX. My mother filed bankruptcy in XXXX and the first loan which was XXXX XXXX XXXX and second loan which was Specialized Loan Servicing were discharged. XXXX XXXX, which eventually took over the loan for XXXX XXXX XXXX in XXXX, started a Notice of Default in XXXX and did not foreclose on the home. They transferred the loan to the second mortgage company which was Specialized Loan XXXX in XX/XX/XXXX. Specialized Loan Servicing then gave another Notice of Default in XXXX. The home was sold at auction in XXXX, XXXX for {$200000.00}. Both companies turned down cash offers in XXXX and XXXX for over {$230000.00} to come to this conclusion. There negligence in responding with counter offers after 30 days was a reason some buyers rescinded other offers also. After researching and hiring a private investigative XXXX, they found fraudulent items and all of this led to a wrongful foreclosure. Also on my XXXX Tax Return, it showed Specialized Loan Servicing 's 1098 showed my Outstanding Principal Balance is {$0.00}. My credit history was outstanding with scores that ranged from XXXX and higher and it should be back near those same scores.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
my mortgage payment recently raised by about XXXX a month. 
previously i had bill pay scheduled for XXXX a month. 
the first month i sent a second payment to make up the shortfall but forgot to amend my scheduled payment going forward. 
the company is now returning my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CreditNinja Lending, LLC
State: MO

Complaint narrative:
On XX/XX/2021 I received a phone call from my brother stating, that XXXX calling from number XXXX, had called and was trying to find me. He said XXXX also stated that I owed a lot of debt and that I needed to be reached. He stated that XXXX got his number after he ran a background check on me. I also received a call from my mother stating the same thing. XXXX then called me a left me a voicemail that stated " this is the last attempt to contact you. After today, I will run a background check and look at your assets. '' I never gave my brothers or my mothers name on any application I submit. When I spoke to XXXX after I called him back, he stated that he already ran a background check and could tell me any asset I had. when I told him not to call back without written proof of the debt, he said he could call me at any time.

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 2021-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
On XX/XX/2021, I sent a request to Freedom Mortgage via their website message center to remove the escrow account they set up. I had closed on this loan at the end on XXXX & prior to the loan application submission, when the loan officer was discussing the payment breakdown, I became aware that they were setting up escrow. I asked if we could just pay the insurance and taxes on our own & they pushed back because it was going to be more work to redo the application or something. They said we could just cancel the escrow once the loan closed. 

I sent my first request on XX/XX/2021. I hadn't received a response so I called their Customer care department on XX/XX/2021 & was told I had to submit an e-mail to their customer care department, which I did the same day. 

Several days later, I noticed that they had adjusted my payments to reflect no escrow on their website so I thought the issue was resolved. Just before I went to make my first payment, I noticed they added the escrow back. 

I then received a response in the message center on XX/XX/2021 that my loan needed 12 months of maturation before they would even consider this. 

I sent a reply on XX/XX/2021 explaining that their loan officer, who set up this loan, did not say anything about a 12 month wait. I explained to them I had no intention of using this XXXX  account for payment of bills & requested agin that they cancel it & refund my escrow  balance. I pointed out that someone had briefly changed my account already without an escrow deduction & then someone changed it back. 

They sent a response on XX/XX/2021 reiterating that I have to wait, at least 12 months, citing some reason about the loan investor guideline. They also said they had no record that escrow was briefly removed, which I am sure there is some type of electronic transaction record in their software. They also made a statement saying that underwriting guidelines may have required an escrow for approval reasons. 

We put 20 % down for our townhome. Our credit scores are excellent. I find it hard to believe the assignment of escrow was the deciding factor in our loan approval. 

This company has acted in bad faith regarding this matter. They are withholding money from me that is not accruing interest or paying down principal.

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 2021-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
( XXXX ). On XXXX, I mobile deposit a Wells Fargo check # XXXX in the amount of # XXXX to XXXX  XXXX XXXX XXXX account. Wells Fargo debited my account on the same date XXXX XX/XX/XXXX. the Check amount was shown credited to my XXXX  account on the same date XXXX XX/XX/XXXX. ( see statement attached ) ( XXXX XXXX. On XX/XX/XXXX Wells Fargo debited my account again for the same check # XXXX in the amount of {$1400.00} XXXX a total of {$2800.00} for the same check ( see statement attached ). 

( XXXX ). I contacted Wells Fargo on XX/XX/XXXX about the debit on XX/XX/XXXX. Wells Fargo credited me {$1400.00} for debit made on XX/XX/XXXX and said they will dispute the claim. 

( XXXX ). On XX/XX/XXXX, an adjustment was made for check # XXXX for {$1400.00} was debited from my Affinity account. 

( XXXX ). I contacted XXXX  and I was told that the adjustment was made as a result of the funds were not dispersed to them for the XXXX from Wells Fargo. therefore the Federal Reserve debited my account. ( as you can see from bank statements both debit by Wells Fargo was applied to my account, and my account had sufficient funds available. 

( XXXX ). I ask why was the check showed credited to my account if they didn't received the funds, the representative stated that once a check is posted to the account they automatically credit the account until they received the funds from the other bank. 

( XXXX ). Wells Fargo investigated the issue and said, they credited me {$1400.00} on XX/XX/XXXX relation to the claim and that they have resolved all concerns, and recommend that I work with XXXX  and the bank who debited the account directly. 

( XXXX ). After receiving the letter from Wells Fargo, I contacted XXXX  and inform them of wells Fargo recommendation. XXXX  refer me back to Wells Fargo because they didn't received the funds from them and that's why they had to make the adjustment to have debited my account on XX/XX/XXXX. 

( XXXX ). I further contacted Federal Reserve who refer me to you. 

( XXXX ). Wells Fargo debited my account for the amount of {$2800.00} for the same check # XXXX, I was only credited {$1400.00}, and my affinity account was not credited the other {$1400.00}. Therefore Wells Fargo still need to credit me back that {$1400.00} that affinity didn't received.

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 2021-04-13 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: IL

Complaint narrative:
I have recently started a new business that requires complete confidentiality. I have made several purchases that my bank not only bounced but stole the monies that were in the account. 
Chase Bank XXXX XXXX XXXXXXXX These payments were made through a company called XXXX. 
XXXX is selling my private portfolio information and causing my account to overdraft. I thought that it was the first bank, but then when I made purchases for the business this week through another bank the behavior continued. I'm tired, have tried to resolve the conflict to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 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: The CBE Group, Inc.
State: NY

Complaint narrative:
There is a fraudulent CBE GROUP/XXXX XXXX account on my credt. Please see the attached FTC report and remove it from my Credit. I have contacted CBE group and they have marked the account as FRAUD and yet they are continuing to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I filed a previous complaint # XXXX w/CFPB against BridgeCrest regarding erroneous credit reporting to the 3 credit bureaus. BridgeCrest stated in their response that they would remove the delinquent mark from my credit report. They failed to remove the delinquent mark. I filed a dispute w/ the 3 bureaus. The investigation was completed when BridgeCrest verified the delinquencies. BridgeCrest violated the FCRA by re-aging the account and reporting it to XXXX XXXX and XXXX. They also violated the FCRA by verifying inaccurate information. By them updating the bureaus to report the Date of First Delinquency was XX/XX/2020, this created a severe negative impact on my credit. It also extended the 7 year period the delinquent account remains on my credit. When the bureaus investigated the inaccuracies BridgeCrest failed to correct the errors through a legally required proper investigation. They instead verified wrong information and confirmed their illegal act of re-aging an account. 

I included 6 attachments to prove my claim. 

1 ). Bridgecrest CFPB Response - is the document to where Bridgecrest stated they will correct the error. The statement is highlighted in yellow. 

2 ). XXXX  Bridgecrest Tradeline Pages 1-2 - Give evidence to the erroneous reporting. Please notice ( on pg2 ) Date of First Delinquency, Last Payment, and the day the account was closed was reported as XX/XX/2020. I believe this was a vindictive act. 

3 ) .XXXX  XXXX XXXX XXXX Evidence Bridgecrest Verified the inaccurate reporting. 

4 ). XXXX  XXXX XXXX - Evidence Bridgecrest Verified the inaccurate reporting.

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