vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I called Bank of America to request my bank statement from the date the account was opened till the date it was closed. 

They refused to provide that information. 

I need this information to reconcile the accuracy of what is being reported in my credit report with all the CRAs. 

On XX/XX/2022 I spoke with their staff ( XXXX- by XXXX ) and they will not provide the bank statements. 

Please intervene and make Bank of America provide me with this information. 

Thank you.

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 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-02 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: MI

Complaint narrative:
Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$570.00} opened XX/XX/XXXX, XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XX/XX/XXXX and Bankruptcy XXXX XXXX-dismissed opened XXXX XXXX XXXX I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im filing a dispute on my credit for a numerous of charges and accounts Im not familiar with such as and In accordance with the fair credit reporting act has violated my rights an XXXX XXXX account for the amount of {$2100.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for the amount of {$790.00} opened XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$570.00} opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the amount of {$240.00} opened XXXX XXXX XXXX  and Bankruptcy XXXX XXXX-dismissed opened XX/XX/XXXX. I also have 11 inquiries Im not familiar with such as XXXX XXXXInquiry date XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX and DEPT OF ED/XXXX Total balance : {$21000.00} XXXX I am unfamiliar with all of the following transactions and would like for all of these to be examined and removed. 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted XXXX and Ally Bank, both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, XXXX approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial transactions are being declined ).

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 2022-12-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I went to Macy 's Department Store in XXXX XXXX, FL to pay off my account. I had a bank draft check in the total amount of the statement which was {$5200.00}, dated XX/XX/XXXX, check # XXXX. This is a Macy 's XXXX XXXX card so the check was made out to XXXX XXXXCitibank XXXX The Macy 's clerk swiped my Macy 's credit card to open my account and processed the check. I believed everything to be just fine and paid off. On XX/XX/XXXX I checked my account online and the balance was still showing -- the payment had not been applied. I called the bank and they told me the check was cleared on XX/XX/XXXX. I asked for a copy of the front & back of the check, which they sent to me. I called Macy 's customer service to tell them about the situation and was told I had to put it in writing and fax the documents to them, which I did. I received a letter from Macy 's saying that my complaint was under investigation and it would take 21 days. In the meantime, on XX/XX/XXXX I went back to the Macy 's store that I made the payment to in XXXX XXXX, FL and went to their customer service department. I explained the situation and asked to speak to a XXXX. The " XXXX '', XXXX would not even come talk to me. I asked the Macy 's clerk to give her the copies of the letter and the front & back of the check, which they did. I was told that she would call me as soon as she could. On XX/XX/XXXX I received a letter from Macy 's saying that they do not know who cashed the check but they did not and that their investigation was closed!! They stated that if I wanted further review that I would have to provide them with more information on who cashed the check. How am I supposed to do that? I placed a call again to XXXX, on XX/XX/XXXX and she said that she had not gotten to my paperwork yet. She had not done one thing in 2 weeks! I have called Macy 's customer service over and over again but can not get this resolved. They have cleared my check and did not apply my payment correctly and do not want to do the work to find out why. Or is this just downright fraud? I have no idea what to do and do not want my credit ruined over this. I can not find any phone numbers to call except for Macy 's customer service, which is outsourced to XXXX and is impossible to get an English-speaking person on the line. Most of my calls to them end up with me being placed on hold until the line eventually hangs up. This is complete nonsense! What recourse do I have?

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : I attempted to deposit {$500.00} cash and a check ( {$670.00} ) to my Wells Fargo checking account via an ATM ( ATM ID : XXXX, XXXX XXXX XXXX, XXXX, CO XXXX ). The check was accepted but the cash was returned to me because the machine wasn't able to read it. I tried redepositing the cash and the ATM machine took it, but my bank account was never updated to include the {$500.00} cash deposit. The total deposit should have been {$1100.00}, but I was only credited {$670.00}. Wednesday XXXX XXXX 2022 circa XXXX XXXX - XXXX XXXX : Submitted claim to Wells Fargo, ATM/Debit/Prepaid Card Claim Reference Number XXXX. Wednesday XXXX XXXX 2022 : Claim Denied by Wells Fargo. 

I am filing an additional complaint because I am requesting a full audit of the video cameras, ATM machine 's faultiness, and the person who picked up the cash & checked the ATM following my transaction. You are failing to protect your consumers if you aren't maintaining your ATM machine to prevent cases where it's taking cash without depositing it into the rightful account. {$500.00} was stolen from me, and I am requesting further auditing to determine where it went.

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 2022-12-02 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: CBC Companies, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 
My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with JPMCB - AUTO FINANCE for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Frost-Arnett Company
State: TN

Complaint narrative:
Bill for XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX TN was paid by XXXX confirmation from XXXX XXXX XXXX confirms this I was sent a debt collection for this bill Online reviews and speaking with the front reception of this practice confirms this is an extensive problem for this practice The administration information was not publicallly accessible I did obtain at the office the CEO and managers names and contact e mail This is fraudulent practice going beyond this XXXX incident

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2022-12-02 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 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: ID Analytics, Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything on my credit report must be 100 % accurate. 

My account was properly investigated, according to the credit bureau, but how is that possible when the open date, date of last activity, and date of last report are all incorrect? 

This ground for evacuation likewise abused my freedoms under.I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A.Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account.Additionally, it took the credit bureau more than a month to finish my investigation. Here is my certified mail.tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX These accounts were created when my identity was stolen and I want them removed and deleted from my credit profile

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 2022-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. 

I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager.

On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. 

As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.

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