vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX XXXX I made XXXX deposits of state government issued checks ( Comptroller of Texas ) in the amounts of {$70.00}, {$300.00}, {$75.00} using Bank of America 's Mobile Check Deposit feature. 

I was subsequently notified that XXXX of the checks were placed on extended hold until XX/XX/XXXX. Reason For Hold : " We believe a check you deposit will not be paid '' Of the {$440.00} deposited, only {$70.00} was available on XX/XX/year>. 

After talking with BofA agents for XXXX hours, I was later told that the reason for the hold was due to it being a new account. 

However, mine was NOT A NEW ACCOUNT as I had a previous account just the previous day at BofA for approximately 10 years. 

" An account is considered a new account, under section 229.13 ( a ), for the first 30 calendar days it is open, beginning on the date the account is established. An account is not considered new if each customer on the account has had, within 30 calendar days before the account is established, another account at the bank for at least thirty calendar days. '' At no time during the process of using BofA 's Mobile Check Deposit feature was I given notice that making the deposit virtually, instead of in-person, would subject my government issued check to an extended hold. 

BofA failed to disclose their " Availability Policy '' when using their Mobile App similiar to what is required with " Posting Your Policy Where Employees Accept Deposits '' or " Printing Your Availability Notice on Deposit Slips '' federal notice requirements..

Additionally, at no time was I provided information that would allow me to know that making the deposit, in-person, would be consider a " next-day available '' ), whereas using their Mobile Banking App would not.

" State or local government checks deposited in person to one of your employees and into an account held by a payee of the check, if your institution is in the same state as the payor of the check. ( Note : If the customer desires next-day availability of funds from these checks, you may require use of a special deposit slip. ) '' Never-the-less, according to the " Expedited Funds Availability Act '', the funds must be available for withdrawal on the second business day after the day of deposit.

" Cash and other next-day check deposits ( such as Postal Service money orders, cashiers checks, certified checks, checks drawn on a state or local government, and checks drawn on a XXXX XXXX XXXX XXXX XXXX XXXX ) that are not made at a staffed teller station must be available for withdrawal on the second business day after the day of deposit. ( 229.10 ( a ) ( 2 ) and 229.10 ( c ) ( 2 ) ) ''

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 2025-01-05 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: NCB Management Services Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

XXXX XXXX XXXX NCB MANAGEMENT SERVICE XXXX XXXX XXXX XXXXXXXX XXXX XXXX Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false.

Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have zero knowledge of any of these accounts.

These Collection accounts violated Code 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX reported s debt of {$1200.00} which I have no knowers of. I have never did business with this company and have never signed any contracts with this company. The date for the collection account is XX/XX/year>. 

LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Code : 15 U.S.C 1681 15 U.S.C 1681a ( 2 ) ( i ) I have a few reports on my credit profile that is incorrect and false.

Failed to provide a wet signature, contract and documentation to prove the account belongs to myself. I have XXXX knowledge of any of these accounts. 
These Collection accounts violated Code 15 U.S.C 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year>, I was defrauded of XXXX dollars from an individual who impersonated themselves as a member of the Bank of America XXXX Department. They sent me security codes with Bank of America XXXX on them and then contacted Bank of America and denied me to speak for myself on the telephone contact for the wire transfer. I was not aware that there was a wire transfer was taking place and there was no legitimacy to the actual wire transfer. Bank of America made no attempt to contact me directly about the wire transfer. They just assumed that it was legitimate. No attempt to block the transfer was given as Bank of America did not call me. In the past, with any sizable transaction, I would receive a phone call from Bank of America asking for clearance on the money transaction. This didn't happen. Bank of America has denied any responsibility in returning any of the money from the transfer. They checked on the account with XXXX Bank, that was the destination of the wire transfer, and no money was in the account. Of course not, the money had been taken by the scammers. From the impersonation of XXXX XXXX XXXX  XXXX Bank of America, the XXXX XXXX Bank of America XXXX, the denial to speak to Bank of America by the scammers, but most of all, the lack of follow through by Bank of America to call me to check on the legitimacy of the wire transfer. Bank of America did not protect its customer. XXXX I could have stopped the whole process by denying the wire transfer. The scammers took advantage of me emotionally as my wife had just recently been robbed of her Bank of America XXXX in a robbery, the Bank of America didn't step up and contact me to enable me to deny this transaction.

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 2025-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Ive received a tax refund in a new Wells Fargo account and since the deposit was big and I usually dont use this account they suspected it as fraud which its not because its irs approved. And froze all my money in the account and the account is not closed yet. Its been over a month and no progress or nothing is happening which is very disappointing to just have my money sitting in there with nothing I can do.

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I use PayPal to be receive money and purchase items online. I have a preferred payment method on PayPal that is a credit card. when I made the purchases I selected PayPal and thought my preferred payment method would be used. it was not. it was charged to my bank account without my knowledge and I incurred {$100.00} in overdraft fees. I contacted PayPal and they said your preferred payment method is not always used even though you selected it as your payment method. They told me in order to make sure the preferred payment method was actually your preferred payment method and would be used for purchases is to go into you PayPal account and find the list of merchants you buy from and then change your payment method to the one you want to be used in that transaction. There is a supposed payment agreement for each and every merchant you have an account with that specifies a payment method used. this payment method is used no matter what you select thru PayPal as a preferred payment method. I am asserting that it is fraudulent and deceptive for PayPal to have you select a preferred payment method and then not to use it. when I contacted PayPal they told me it was in the fine print of the user agreement I accepted when I first made a PayPal account. This method of charging purchases to a bank account and not to the preferred credit card selected also saves PayPal money on fees they would have to pay if they charged it to the preferred credit card selected. I'm sure there are a lot of other people who have this problem. I added my credit card to pay pal because I wanted to have it only available on one site instead of on every merchants site that I shopped on because of all the data breaches. That is the main reason I used PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-05 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: MD

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts/ inquires XXXX {$360.00}, XXXX XXXX  {$190.00}, DEPTEDXXXX {$2200.00}, DEPTEDXXXX  {$6400.00}, DEPTEDXXXXXXXX {$4100.00}, XXXX XXXX {$1700.00} XXXX XXXX XXXX {$12000.00}, XXXX {$460.00}, BANKRUPTCY, XXXX/ XXXX  ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX, XXXX/ XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  ACCT XXXX XXXXXXXX XXXX ACCT # XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # 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 2025-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Many dates XXXX Amounts : {$130.00}, {$130.00}, {$19.00}, {$130.00}, {$41.00}, {$19.00}, {$130.00}, {$41.00}, XXXX, {$41.00}, {$78.00}, {$41.00} Lexington Law XXXX is continuously harassing me and taking money from me with services they didn't supply or have offered.

VALIDATION AND CEASE AND DESIST To whom it may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor? 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please state why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing the debt. Thank you for your immediate cooperation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: FL

Complaint narrative:
DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/2024 DEBT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX RE : Last XXXX SSN To Whom It XXXX Concern : I am writing this letter to dispute the following accounts : Bankruptcy # XXXX and # XXXX both are fraudulent TransUnion is refusing to remove them even after several recordings I have of them saying they were fraudulent and going to be removed. They also have a statement of fraudulent activity on my credit report. 

XXXX # XXXX there was never any balance as it was a secured prepaid credit card and I could only use what I put on the card so its very inaccurate and harmful to my credit I closed the account myself with a XXXX balance its being reported inaccurately. 

XXXX XXXX # XXXX this account was opened over a phone call using my personal information at an address I have never lived at and was included in a fraudulent bankruptcy which these have been deleted by XXXX and working on XXXX. 


This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per se ) XXXX. Negligent Enablement of Identity XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g violations4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB Complaint - XXXX/Experian Subject : Incorrect Reporting of Charged-Off Account by XXXX XXXX. After Sale XXXX XXXX XXXX  Details of the Complaint : I am filing this complaint to report a violation of the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting on my credit report by both XXXX and Experian. 

The issue is with an account from XXXX XXXX ( Account # XXXX ), which is still being reported as charged off despite the fact that the account was sold to XXXX XXXX XXXX. According to my credit reports, the account status indicates that it was sold to another lender, and the balance is reported as {$0.00}. However, XXXX XXXX is still reporting the account as a charge-off, which is inaccurate and misleading. 

Key Points : XXXX. XXXX XXXX no longer owns this debt as it was sold to XXXX XXXX XXXX. Therefore, they have no legal right to report a charge-off after selling the account. 
XXXX. Both XXXX and Experian are allowing duplicate reporting of the same account. XXXX should not be reporting a charge-off after selling the account, and this creates inaccurate and misleading information on my credit reports. 
XXXX. This reporting is a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding accuracy and completeness of information. 

I request that both XXXX and Experian : Immediately remove the XXXX XXXX account from my credit report. 
Ensure that the correct party ( XXXX XXXX XXXX ) reports the account status accurately. 

I have attached copies of my credit reports from both XXXX and Experian as supporting evidence, showing that XXXX XXXX is still reporting the account after it was sold. 

This inaccuracy is negatively impacting my credit profile and needs to be corrected immediately to comply with federal regulations. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX updated XX/XX/XXXX last payment XX/XX/XXXX. Current up to date asking for late payment XX/XX/XXXX be removed. I am currently in good standing with this company.US Dept of Education # partial acct XXXX XXXX Please remove fraudulent. One account already deleted due to Fraud. Last date updated XX/XX/XXXX. This is also a 3rd party creditor. I did not authorize. XXXX XXXX XXXX # XXXX to be removed it is charged off. XXXX XXXX XXXX # XXXX to be removed it is in collections 3rd party creditor. I did not authorize. According to the F.C.R.A.15 U.S.C ( a ) 4 states There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-05 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:
XXXX XXXX XXXX # XXXX updated XX/XX/XXXX last payment XX/XX/XXXX. Current up to date asking for late payment XX/XX/XXXX be removed. I am currently in good standing with this company.US Dept of Education # partial acct XXXX XXXX Please remove fraudulent. One account already deleted due to Fraud. Last date updated XX/XX/XXXX. This is also a 3rd party creditor. I did not authorize. XXXX XXXX XXXX # XXXX to be removed it is charged off. XXXX XXXX XXXX # XXXX to be removed it is in collections 3rd party creditor. I did not authorize. According to the F.C.R.A.15 U.S.C ( a ) 4 states There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.

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 2025-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: PA

Complaint narrative:
This trade line associate with the credits through this collection agency has been opened fraudulently as a result of identity theft. This is not my account, i did not apply, nor provide consent for this trade line. 

Provide wet signature and iD verification that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Five hard inquiries reported on my credit report.

Two of them being the same company.

These companies were not given any permission to report on credit.

Code violation : 15 U.S.C 1681

Company response to consumer: Closed with explanation