vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 at XXXX XXXX  somone somehow withdrew XXXX dollars from a BOFA atm using my card that I had on me. First they did an inquiry than pulled out XXXX than another XXXX the next minute I got a notification saying my account was below XXXX. As soon as I find out I call the bank report it the cancel the card and send out a new one. I call the police and file a report as well as try to get ahold of the claims department unfortunately I couldn't reach them till the morning at XXXX because they were closed at that hour. So I make a claim they say wait 10 days so I thought I was good. 3 days go by I recieve a new card on the mail I go online to activate and find out my account is frozen. I call BOFA they say to call edd to get it open and as far as my claim goes it has been closed the rep had told me. I call edd tell then they say they cant do nothing. I call BOFA back ask for a supervisor and they say edd has to send some kind of code thru the computer to unlock it and than I can re open my claim and say to ask for a tier 2 agent so i do it and I speak to a edd supervisor they tell me they sent over a uisd request to BOFA to wait 10 days and call both agency 's to find out am update. So I do and nothing. Now this time being frustrated I contacted my local news place and I filed a complaint on this website. I recieve a phone call from a lady saying she's looking into it and she will call me with updates which she never did I never received anything or a phone call back. Now recently on the XXXX of XXXX I check the edd card account and it's open again. I call BOFA to try and reopen my claim so they can investigate and I get transferred to a fraud rep they tell me I need to contact my agency ( edd ) and he transfers me back to the regular edd debit card rep. I've been going through this going on 2 months now and I want my money back I've made report police reports talked to supervisors and I'm not getting anywhere please help me!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am having an ongoing issue/dispute with XXXX XXXX and Waypoint Resource Group collections on their behalf stemming from an issue with lack of service and unknown billing for services not rendered. I have documented this situation fully, including chat sessions with XXXX XXXX agents and other mailings from the company. 

My issue begins with when service was attached at a temporary residence in Rhode Island and the transfer of that service to XXXX, Maryland. In essence I am being charged for services and termination when I never terminated anything because the service in my area is not covered by XXXX XXXX in the first place and because, having paid my account in full as agreed, I am being charged and subsequently reported negatively to the credit bureaus for an error of the company 's end. 

The summary of my issue is this : I am being charged {$100.00} for early termination. However, they did not provide service in my new location in XXXX, MD. Which when I signed up, I explained to the rep that I was in RI on a work assignment and was not sure if it was going to last two years. He told me that I could move my services if available at my new address and if not, I will not be charged the early termination fee. It is not my fault that they do not provide services in XXXX, MD. Another attachment is for a credit that I was given for {$200.00}. I used that card to pay my final bill, as I was told by one rep. 
I was also promised a {$50.00} gift card that I was promised due to the frequent interruptions in services. This interruption kept going on for several months until I got tired of it and complaint. The rep apologized and said that she was issuing me a {$50.00} card for all the trouble. One of the several times that I called to explain/discussed the final bill to them and the collection agency to call me I had explained and sent all the proof to. I disputed these charges with that collection agency when they call me with the charges. Unfortunately, I had not found that second card. I am pretty sure they have the conversation on record. The call between me and the rep was after the attached online chat with them. I call them on the phone after that. 


The issue is not of my doing nor should I be held responsible for lack of service by the company or the promises of one agent and the lack of follow through by another. While regrettable those issues are not of my doing. I am a customer who paid for a service and would have continued paying had the company provided the services in my area. I am asking that this agency provide mediation and oversight to this situation so that XXXX XXXX and Waypoint Resource Group will take serious my complaint and resolve it with the same expediency with which they have besmirched my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Opened XXXX XXXX XXXX Closed XXXX XXXX XXXX Amount XXXX Company keeps reporting incorrect dates and times of payments.

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 2021-01-25 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: NC

Complaint narrative:
Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.

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 2021-01-25 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: PA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

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 2021-01-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

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 2021-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The XXXX XXXX address that is listed on my credit report - I have never resided at that residence. This item needs to be removed - there have been several instances in which I get asked security questions about this address as if I lived there. The other addresses that are listed are correct. I asked this items to be removed before and i dont believe it was fully removed. across all reporting agencies.

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 2021-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I employed the services of XXXX XXXX XXXX  in XXXX  XXXX to perform mechanical work on my sisters truck at my home before I drove it back to New York State on XX/XX/XXXX. On XX/XX/XXXX XXXX concluded his work which I have texts of and I gave him my debit card in person so that he could charge me the agreed price of {$680.00} for the services rendered. I have not seen nor employed XXXX XXXX XXXX since then. However while in New York on XX/XX/XXXX after checking my Bank of America Checking account I saw that XXXX XXXX XXXX had besides the lawful and approved charge of {$680.00} on XX/XX/XXXX had made the following unapproved and fraudulent charges. a second charge of {$680.00} on XX/XX/XXXX, {$680.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX. I immediately called Bank of America to report the fraudulent claims they did not cancel my card and told me to reach out to XXXX XXXX XXXX since the payments were processing and there was nothing they could do while processing. I reached out to XXXX via text ( which I have saved ) telling him of the problem since I was also charged an additional {$680.00} that was processed on XX/XX/XXXX. He responded saying he was on the phone with his bank and would clear the problem up shortly. I continued to check in with XXXX. On XX/XX/XXXX he said it was being refunded. However i was then charged two more times. these charges for {$870.00} and {$870.00} were processed on XX/XX/XXXX. It was at this point I called Bank of America and insisted on a fraudulent charges Claims. XXXX never responded to any more of my texts or phone calls since then. 
I have had Bank of America deny my fraudulent claims 3 times at this point. they withdrew the temporary reversals given to me and left my account in a negative balance for almost three months now. I have sent them images of all of my text conversations with XXXX handy services and they are unwilling to reverse the charges which are clearly fraudulent and have forced me to move out of my apartment and fall behind on multiple payments with my truck now out for collection since they will not press XXXX XXXX XXXX ( who i can not reach anymore ) for the illegal charges. I have been dealing with this since XX/XX/XXXX and it is now almost XXXX of XXXX I have also been unable to receive my stimulus pay as its been deposited into my negative balance Bank of America Account. XXXX XXXX XXXX  charged me a total of {$4600.00} of which {$3900.00} was fraudulent and unapproved. If this is not resolved shortly I will have no other option then to proceed with suit with Bank of America.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Over 40 days ago I submitted despite letters to these companies and they hvawnt given me any update nor have they responded to my complaint. These combine are in serious violation on congress law with their unlawful reporting on my credit report. Specifically they are violating U.S.C. Section 1692g and U.S.C. Section 1601. These have to be resolved as soon as possible. There is no reason why I should be suffering, still, for these inaccurate accounts reporting on my credit report. Please assist me in clearing my credit report up as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank has called me 35+ times since XX/XX/21 ( I have all call logs ) My account at the start of the calls was past due {$170.00} for 14 days. A day or two after the initial contact from them, I tried to log into my online account. They had locked my online account, so i was forced to call them so they could coax me into making a " promise to pay ''. While on the phone with them, I informed them how many times they had called me and I only received a " I'm sorry, sir ''. I pressed the issue informing them of how ridiculous it was to receive on average 3 phone calls a day ( somedays they called me as much as 5 times in one day ). After doing a bit of reading, I found out that this interaction may be considered harassment and I wanted to file my complaint and await the next steps.

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
XXXX XXXX  has violated my federally protected consumer rights under the FCRA by committing following action under Truth in Lending Act : 15 UDC 1601 ( a ) Fedloans Servicing has violated my federally protected consumer rights under the FCRA by committing the following actions : 15 USC 1681 ( a ) ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) 15 USC 1681 ( a ) ( 3 ) ( e ) 15 USC 1681 ( a ) ( 4 ) XXXX  XXXX  has also violated my federally protected consumer rights under the FDCPA by committing the following actions : 15 USC 1692 ( d ) 15 USC 1692 ( d ) ( 2 ) 15 USC 1692 ( e ) ( 2 ) ( a ) 15 USC 1692 ( g ) 15 USC 1692 ( g ) ( c ) 15 USC 1692 ( a ) ( 7 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Credit Report XXXX / Report Number XXXX dated : XX/XX/XXXX XXXX Dear Sir or Madam : The purpose of this letter is to challenge an incorrect entry in all three my credit report file. 
Enclosed is a copy of the credit report file that obtained from your office. The challenged portion of the report has been marked. 
That this account XXXX incorrect address and place of work for this account plus it is over XXXX XXXX XXXX now so it should no longer being reported to any credit reporting agency by Fair credit reporting act law. 
This account was opened XX/XX/XXXX with amt financed XXXX with balance of XXXX  This Account has been on my credit report for 7 years and 9 months now. 
Your efforts in investigating this matter would be appreciated. Please respond at your quickest convenience regarding the results of your investigation. 
Social Security XXXX XXXX XX/XX/XXXX Sincerely, XXXX XXXX Enclosure This is a XXXX XXXX document

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased a new XXXX XXXX with a 1 year warranty from Kohls and it had a manufacturer 's defect that caused a part to break soon after I purchased it. I tried to work with XXXX to repair the scooter through warranty, but they were unable to repair it. I asked Kohls to return the item but they refused because it was past their return period. I asked Capital One to issue a chargeback because the item was not as described and the warranty was not honored. Capital One contacted Kohl 's and Kohl 's response was that I can return the scooter under their 180 day return policy, but the Kohl 's representative was mistaken and I am not able to return the scooter because it is covered under the 30 day return policy for premium electronics. Capital One refuses to give me any information on why they believe the transaction is valid and tells me I should contact the merchant. 

This is a dated summary of the events : XX/XX/XXXX - I purchase the scooter online XX/XX/XXXX - I received the scooter XX/XX/XXXX - Scooter breaks, I contact customer support XX/XX/XXXX - End of 30 day return window XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support responds saying return box was sent XX/XX/XXXX - Scooter was sent back to Segway for repairs XX/XX/XXXX - Scooter was delivered XX/XX/XXXX - I received scooter from manufacturer, contacted customer support saying the scooter was not repaired XX/XX/XXXX - Customer support requests more images/information - images sent XX/XX/XXXX - Customer support reports they will send me the replacement part XX/XX/XXXX - I follow up with customer support due to no response XX/XX/XXXX - Customer support reports replacement part is not available with no known ETA XX/XX/XXXX - I contact Capital One for assistance XX/XX/XXXX - I receive a letter from Capital One saying Kohl 's believes I can return the scooter and asks for more documentation XX/XX/XXXX - I fax Capital One the documentation asked, and inform Capital One that Kohl 's statement is inaccurate due to a clause in the policy XX/XX/XXXX - I receive a letter from Capital One saying I did not provide enough information XX/XX/XXXX - I fax Capital One asking for more information on what was not provided and include additional information that Kohl 's statement is inaccurate XX/XX/XXXX - I receive a letter from Capital One saying I should contact the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been contacting transunion, XXXX  and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve 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 2021-01-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been contacting XXXX, equifax and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been contacting XXXX, XXXX  and experian regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX  balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve 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