vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today, Wednesday XX/XX/XXXX, I went around XXXX to my bank trying to take out money from my bank account from the XXXX. The account said that there was only {$500.00} dollars and that it was unable to give them to me due to lack of money since someone had previously taken out {$1000.00} before. I have not taken out money from my account previously. I already filed a report to the Bank of America, having to make four calls in the process. All together, i was on the phone for an hour and a half. The person attending me from the bank cancelled my XXXX account, telling me that in around 10 days I will recive a new card alongside some papers to file a report. They also told me that once I file the report I will have to wait 90 days for an answer on my situation. Not guarenting my money bsck. I am currently unemployed and rely on the money. I am in need for a way to speed up the process. In the past, you have been very helpful when they stole {$2000.00} from me and the bank refused to pay me, I am very grateful for that. The bank has not refused to pay me, but they will be taking 90 days to answer me. Unfortunatly the banks security measures are not enough since this is the second time I have been rebbed with my card and personal information. Which i am sorry for since i see myself being affected economicly. Thank you for hearing me out.

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 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FC HoldCo LLC
State: VA

Complaint narrative:
I had a vehicle loan with Flagship Credit Acceptance, the vehicle was totaled out on XX/XX/XXXX by XXXX XXXX XXXX. XXXX XXXX payed off the vehicle and GAP insurance that was through Flagship was never filed after I submitted the Gap paperwork, they are reporting this loan as a charge off. The company has been unreachable since the beginning of covid-19 lockdowns. This loan needs to be closed out with paid in full and all the negative remarks on my credit corrected. 
Vehicle : XXXX XXXX XXXX VIN : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I called Kohls credit card Custer service to pay off a balance in full amount of {$230.00}. There was a late fee associated with this payment and I was told on a recorded line that this late fee of {$28.00} would be waived. This late fee was not waived and I received a letter in the mail in XXXX stating that this late fee was not payed when I was told this was waived. Kohls will not allow me to get a hold of this recording on XX/XX/XXXX with the customer service representative. My credit score dropped about 80 points because of this late fee of {$28.00} and I would like to dispute this and remove this from my credit report. Customer service at Kohl 's will not provide me any information on this recorded conversation nor did they perform a proper investigation on this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am trying to permanently opt-out of prescreened offers & also want to place a credit freeze on my account. I was able to do this with relative ease for both XXXX & XXXX. By ease I mean that I was able to call both companies and with one phone call accomplish both the permanent opt-out & freeze my credit account. When attempting to do the same with Experian I have run into issues that seem to me to be extraneous. I first tried to call their toll free number at XXXX ( XXXX ) XXXX. After confirming my identity I was unable to accomplish my goal through their automated system. I then tried to go online to https : //www.experian.com/freeze/center.html to do the credit freeze portion. I confirmed my identity but their system wouldn't allow me to freeze my credit account. It gave me an error message saying I needed to contact them in writing via snail mail ( USPS ). I then XXXX " contact a human experian '' and found this number XXXX XXXX XXXX XXXX XXXX. With this number was able to reach a customer service representative named XXXX who works on the XXXX team for Experian. Once again I confirmed my identity, however when I asked him to permanently opt me out of prescreened offers he told me I would have to write a letter ( via snail mail ) requesting so. This is the crux of my complaint. Why would Experian make the process of freezing a credit account considerably more difficult than their direct competitors? On the surface it looks like Experian is deliberately obfuscating this process or at the very least making it cumbersome to do so.

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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
My loan was sold from XXXX XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, around XX/XX/XXXX. The servicing was transferred from XXXX XXXX to BSI Financial in XX/XX/XXXX. XXXX XXXX removed all funds from the escrow account just prior to the transfer, both parties failed to notify me of the transfer, and XXXX XXXX kept the first 2 mortgage payments owed to BSI Financial, instead of forwarding them to BSI. BSI Financial has failed to credit me for 20 mortgage payments that have been provided to them in the form of personal checks and cashiers checks. There are 5 unapplied payments from XXXX, 11 unapplied payments from XXXX, and 4 unapplied payments from XXXX. Their unwillingness to credit payments received forced me to place future payments in a separate escrow account. BSI has been unwilling to provide a legible accounting, discuss the accounting, credit the unapplied payments, or correct their accounting, and forced me to file a lawsuit in state court, case # XXXX-XXXXXXXX XXXX XXXX BSI failed to answer any interrogatories requested within the case or provide any documents. State Court allowed all causes of actions against BSI including multiple RESPA violations, to proceed. I filed a Motion to Compel against BSI for failure to provide discovery. Subsequently, BSI removed the case to federal court on XX/XX/XXXX, and the case # changed to XXXX. BSI Financial continues to manipulate the system and add exorbitant attorney fees and costs to my account. BSI Financial is in violation of the CFPB Consent Order # XXXX dated XX/XX/XXXX, in which they promised " to establish and maintain a comprehensive data integrity program to ensure the accuracy, integrity, and completeness of the data for loans that it services, and implement an information technology plan to ensure BSI 's systems are appropriate given the nature, size, complexity, and scope of BSI 's operations. '' They continue to commit the same violations, and BSI Financial must be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background
State: IL

Complaint narrative:
I had applied for XXXX delivery driver and was denied to get hired just today XX/XX/XXXX by XXXX XXXX XXXX. I understand the reason why I got denied for but because of my drivers history of just one Incident I had back in XXXX but again that was XXXX I was young at the time and made my mistakes. I feel like I deserve I should be allowed to work for XXXX because Im not the kid I was before, I know better and will not do the same mistake over again, Ive learned from my lesson. I just really need this job so if you guys can please give me a chance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have a fraud alert on my credit report that requires companies in which I apply for credit of any kind to first contact me to ensure it is me applying before running my credit and applying a hard inquiry to my credit report. Today American Express did not do this. I was expecting a phone call so that I could ascertain the validity of the pre-qualified offer I received and then discuss with the person verifying my identity my options before fully applying for the card. This did not happen and I just verified with XXXX  that it should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I was searching for plane tickets and went through different websites. I was in one and didnt submit the purchase but realized that it was went through the my credit card. I immediately called the Bank Of America costumer service. The person on the phone said dont worry it will go away. If not we can dispute it. And I bought another ticket and went out of country. I t was always in my card and didnt go away. When I am back to USA I filed a dispute and they paid me the money. After a couple of months they recharged me the money. And their costumer service was so unreachable. I have spend hours on the phone and still couldnt get the supervisor. They were not helping me to connect with them. Anyways they charged me the XXXX $ for nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX took {$1200.00} out of my checking account at Chase Bank. I didn't sign the paper to authorize it. So they let my daughter sign before they would leave! The problem is that my daughter was not on my account! It was only me on the account. They caused my account to be overdrawn! I filed fraud charges against the movers and Chase let them have the money any way because I didn't have a receipt! You can't get a receipt when it is fraud. So when I got my first social security check in XXXX it took almost all of my check for the overdraft!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I signed up for what I thought was a credit card with American Express. Nowhere in the advertisement did they make it clear that it was going to be a charge account that does not have a limit. I was intending to sign up for a card that had a limit so the increased limit would positively impact my credit score. Upon realizing I signed up for the wrong type of card I talked to customer service to cancel the account and remove the inquiry. They said no so I worked through the XXXX. I just got off of the phone with their executive office, and they refused to fix the situation as well. They are even refusing to cancel the card keeping it open after I have repeatedly asked to cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was trans union, and XXXX they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX kids in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a slave for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening

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 2021-06-16 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was XXXX XXXX, and equifax they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX XXXX in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a XXXX for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I got these accounts that does not belong to me ans i want it to be remove. 

1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BANK OF AMERICA Account Number : XXXX This is not mine.

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 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, Shell/City issued a credit card to a thief in Florida. The balance was more than {$3000.00}. I never receive any account info from Shell. I disputed this by sending one fax, 2 mails. The document included my NJ driver license, my home equity loan bill with NJ property address, and utility bill to prove that I live in NJ since XXXX and never live in FL. So far, Shell never reply to me. When I call Shell, I was required to input my SS # and last 4 digit account #. I don't know the last 4 digit # for the fraud account based on the 3 credit union reports. All of my calls were rejected even I input my SS #. I disputed this to 3 credit unions many times, but 2 of them did not remove this fraud account because Shell 's investigation rejected my dispute many time without any reason. 
Shell also made cheating on this fraud account. The account had more than {$3000.00} balance, but its balance became zero after 120 day late payment. The thief should not pay. Shell 's cheating report made XXXX believe that I paid to the fraud 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 non-monetary relief
Consumer complaint received 2021-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TN

Complaint narrative:
A credit card was opened in my name without my knowledge. These charges do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2020 this account with Westlake Financial has been paid off and closed. I have tried to reach out to the company to have this mark removed from my credit report with no avail.

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 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I contacted Experian via mail to inquire about a bankruptcy being reported on my consumer report. Experian responded via mail that public record items on consumer reports are verified thru XXXX XXXX XXXX. I contacted XXXX, asking them to explain to me the process used to verify that this alleged public record belongs to me. Upon completing their investigation, XXXX was not able to verify the information, and deleted the bankruptcy in question from my XXXX consumer report. I sent all supporting documents to Experian, and asked for deletion since their data aggregator could not verify the information, and too deleted the bankruptcy in question from my consumer report. The FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. This bankruptcy in question was unverifiable by XXXX, Experian 's data aggregator, and therefore is grounds for deletion from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation