vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Yesterday XX/XX/XXXX the Bank of America close my checking account and my saving account without explanation just said that they closed by his own decision, all my money was there I dont have money I literally on the street without money, they took more than XXXX between my checking and saving account without explanation I not fair. The XX/XX/XXXX y just did 3 transaction : to a business account, to a medic in XXXX and one to my fianc and she was a victim too because the bank clause her account too. 
And clouse my te credit card too so this is not fair because they are damaged my credit without an explanation.

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 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In XX/XX/2020 someone updated my address to a Maryland address but I havent moved and dont know this address. I received An unemployment card in the mail and I didnt apply for it

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 2021-02-25 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: GA

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS LAST XX/XX/2021. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 35 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
In XX/XX/XXXX I purchased a vehicle with financing through Credit Acceptance Corporation, but the only way they would finance is if I also purchased a warranty for almost as much as the car. Made payments on time for over a year, then the engine overheated and it blew. Warranty refused to pay. Gave the car back in XX/XX/XXXX. 
* As of XX/XX/XXXX, account listed as CLOSED : written off/collection. 
* Then on XX/XX/XXXX, account changes to OPEN : past due 180 days, no payment since XXXX Credit score drops 100 pts. 
*On XXXX XXXX, account says OPEN : Affected by natural or declared disaster. 
Score rises 83 pts. 
* On XX/XX/XXXX, account say OPEN : Remark removed. Down 100 pts again,. 
I've disputed 3 times with no results. This is malicious, confusing and frankly, childish. 
I am retaining an attorney if this continues.

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 2021-02-25 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have submitted my dispute letters for the erroneous information on my credit report. I have not received any response or validation in over 30 days. And the items are still on my report and have not been removed as the law states.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
On XX/XX/2021 it was discovered that 3 fraudulent charges were made to my debit card. I went to First Midwest Bank immediately after noticing them and got a new debit card. I was told they would review the 3 charges and return my money. On XX/XX/XXXX I was mailed a letter saying that one of the charges will not be returned for a total of {$77.00}. When I called customer service they said their is no appeal nothing I can do but call the company that the charge was made and fight with them. The company is XXXXXXXX XXXX XXXX. They can not give me any information because I do not know what phone number the charges were applied to. First Midwest will do nothing to assist in these charges or let me appeal.

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 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I had a Citi Prestige credit card last year. On XX/XX/XXXX, I was charged an annual fee. Immediately following that I called to transfer my Prestige card to a Rewards+ card. The annual fee should have been refunded to me at this time. But it was not. 
A few weeks after I got the Rewards+ card, I decided to close the account. 
It has been more than two months and the annual fee I paid on XX/XX/XXXX has not been refunded to me yet. 
I called their customer service line. The representative said the annual fee was refunded in XXXX of XXXX, but nothing is there.

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 2021-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Biltmore Asset Management LLC
State: NC

Complaint narrative:
On XX/XX/2021 Biltmore Asset Management, LLC, DBA Complete Verification contacted a third party trying to verify my identity. This collection agency deceitfully acted as employment verification entity to receive information on me. The front desk receptionist DID NOT verify my date of birth nor the last 4 of my SSN as requested by the agent of Biltmore. 

I called ( XXXX ) XXXX and reached Biltmore Asset Management, LLC which is classified as a collection agency. The representative advised me that she could not address any information regarding the account.

Due to this I request that Biltmore Asset Management, LLC and any other Name entity that they may use to do business -- cease all attempts to try to reach me or contact any third party that may represent my interest. This includes but not limited to employer, personal cell, mail, email, company phone.

Do not contact me. The company that is requesting information can reach me by US MAIL only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
Experian Credit Bureau is still showing my EX husband ( XXXX XXXX ) as an authorized user on my XXXX credit card. He was removed as an authorized user in XXXX. I verified with XXXX that he was removed as an authorized user in XXXX. He recently pulled his Experian credit report and can see my current balance ( {$3400.00} ), payment history and current monthly payment AND IT STILL SHOWS HIM AS AN AUTHORIZED USER. He sent me screen shots that indicate this information was last updated on his credit report on XX/XX/XXXX. I have called XXXX and Experian and no one will help me because it's his credit report. I feel violated that Experian continues to report my personal and sensitive financial information to him. XXXX said that they do not report information under him about this credit card to Experian any longer, but stated that Experian uses my personal reporting and puts it under my EX husband as well. Let me state, HE WILL NOT CALL to get this removed. It helps his credit as I am a reliable payer and he is not. I will attach the screen shots he sent me clearly stating that Experian is still reporting just as if he is an authorized user.

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 2021-02-25 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: LA

Complaint narrative:
Per Equifax, I would have results from my disputes by XX/XX/2021 I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. 

XXXX {$5100.00} XXXX  {$1100.00} XXXX {$1500.00} XXXX {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: SC

Complaint narrative:
I processed a payment on-line through my card-issuers website for {$75.00} on XX/XX/2021. This represented 1/4 of my balance due. However, upon reconciling my checking account, I found that the card-issuer had processed my payment for the total balance due of {$290.00}. This was not my intent and their systems " default '' process is deceptive and fraudulent. The payment was made through TCI XXXX. Total Credit card. 
I promptly contacted my card-issuer and reported the error in processing my payment. I spoke to the C/S representative who neither helpful nor indignant and realizing that she could be of no help in the matter, I asked to speak to a " Supervisor. '' While discussing the questionable activity and the issues it had created, he said " I know exactly what happened. '' Then he proceeded to explain that with payments made on their website if Total  XXXX TCI 's system determined that funds to pay the entire balance were available, the system would default to the larger amount. This represents a classic case of deceptive billing, deceptive confiscation of funds through fraud. Not only do I intend to complain I want other consumers to know that TOTAL credit cards XXXX TCI Enterprises employs deceptive business practices at the expense and advantage of its consumers. If not to add insult to injury, the Supervisor to whom I spoke with the expectation of rectifying the issue, threatened that should I dispute the overage of the intended payment to my own bank, Total would charge me an additional NSF fee and others undefined and, by consequence, close my account and report the closure to all three credit reporting agencies as being closed by the card issuer. Since I was obviously of such minimal value as a customer to Total Credit Card company that I warranted such threatening remarks, I thought that you might be better suited to deal with this DISPUTE! I have disputed the issue with my bank, but they were less than reassuring. Please help me help you help other consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XXXX 2021 that morning my savings account balance was a few dollars over $ XXXX. 
That same day there were two withdrawals for XXXX $ XXXX leaving my account short $ XXXX. 
Neither of those transactions was mine. 
In addition, a checking account with {$10.00} was closed. Again, this was not my doing. 

Yesterday I discovered this issue and spent 4 hours trying different phone numbers to report this fraud to CITI. I had 7 contacts and no one could tell me what was going on or even seemed to care.

I can't believe it took 4 hours and no one seemed to care that they and I had been robbed.

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 2021-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened an account with XXXX XXXX XXXXXXXX XXXX back on XX/XX/2020 for {$13000.00} for a medical procedure. I made the first payment which was due on XX/XX/2020 in the amount of {$450.00}. I then called XXXX XXXX XXXX XXXX on XX/XX/2020 to have XXXX 's payment deferred, which was granted by XXXX XXXX XXXX XXXX. I then called XXXX XXXX XXXXXXXX XXXX  again on XX/XX/2020 and asked that XXXX 's payment be deferred as well and that was also granted. During this time my hours at work were originally cut and then I wound up on unemployment. That led me to call XXXX XXXX XXXX XXXX once again on XX/XX/2020 and ask that XXXX & XXXX payments be deferred as well, because I needed a little bit of time to get my finances in order. At that time I spoke with a supervisor and she advised me that she would make a note in the system, but that I had to start making payments come XX/XX/2020. I happened to run my credit in the beginning of XX/XX/2020 and I noticed I had four late payments on my credit report which is greatly affecting my credit score! As I stated earlier my hours were originally cut and then I wound up on unemployment and I was trying to juggle whatever money I was getting from unemployment to not only provide for my family but to also make agreements with my other creditors. I have two auto loans, another line of credit with XXXX XXXX and various credit cards and everyone else has been so understanding and accommodating during this difficult time ( COVID pandemic ). Not only do I have a late payment on my credit report for XXXX & XX/XX/2020, I also have a late payment for XXXX & XX/XX/2020 and that is totally incorrect! XXXX 's payment was made on time and XXXX 's payment was made six days late but it clearly states on XXXX XXXX XXXX XXXX website that " members have a 15 day grace period to make payments with no penalties ''. My account is currently up to date and will continue to be for the duration of the loan, I just needed a little bit of time to get my finances in order when money was tight for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a collection account on my Equifax credit report that I disputed on XXXX by sending in a verification letter that was certified mail and signature redturned.XXXX Equifax received my dispute.30 days passed with no response so I mailed in a 30 day demand to comply letter to Equifax certified mail signature returned. It took till XXXX for Equifax to respond by mail to say that the account was verified.XXXX I mailed a method of verification letter asking for them to provide me with the names and or business they verified the information with, the date the information was furnished, the method of communication that was used, what the money is owed for, and any contract I signed to pay the money. Then on XXXX I received a letter saying the account was verified but they did not have any proof of how it was verified. All documentation is available if needed or requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I initiated bank deposit transfer via Xoom of US {$990.00} to a recipient in XXXX XXXX, transaction # XXXX. On XXXX XX/XX/XXXX, Xoom reported the transaction completed. The recipient has consistently stated the deposit was not received. I have contacted Xoom by both email and telephone multiple times. Each time, they simply state the " transaction was processed successfully. '' I have asked for proof of deposit along with details of the account where the money was deposited. They have yet to provide proof. Instead they insist on the recipient providing a bank register/statement. Today, XXXX XX/XX/XXXX, I received an email from the recipient 's bank manager stating the account has been closed since XX/XX/XXXX. I forwarded the email to Xoom and again asked Xoom to provide proof of the deposit. In response, they again refused. My recipient must have provided details for the wrong account, since it had been closed but I am unsure why my recipient provided details for a closed account, but how is it possible to deposit funds into an account that has been closed for three years? And why is Xoom resistant to providing evidence and proof of the successful deposit? I have provided Xoom with the bank managers email account so they can contact the bank directly, but Xoom appears to refuse to take any further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent over several Identity theft affidavit. 
Since 2016. I mail out letters to XXXX and Equifax credit bureaus they only sent me back investigation letter stating Verified. The accounts is XXXX credit line, XXXX installment account, and XXXX installment on my personal incident report. Company 's XXXX and Equifax still have those fraud accounts pending on my report. I also sent in a letter explaining my right as a consumer under Title 15 USC 168.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: WA

Complaint narrative:
Robocall before XXXX. XXXX from Discover called we have been trying to reach you to lower your interest rate. We dont have a Discover card. 
Call from XXXX. ID after call said XXXX XXXX. 
Multiple calls from XXXX. 
All our numbers are registered with the do not call list.

Company response to consumer: Closed with non-monetary relief