vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Nature of the dispute -- -- -- -- -- -- -- -- -- -- - I had 2 accounts in Bank of America - Checking Account and Savings Account. As I have been staying outside USA for more than 5 years now, I called up the Bank of America from XXXX and requested to close these accounts ( attached is the email confirming closure of these accounts from Bank Of America ). On call, they had stated that, they will mail me the cashier cheques to the address they have on their file ( Address in XXXX ). However, even after multiple follow ups and more than 8 months, I still did not receive the cashier cheques. 

Date of the Transaction -- -- -- -- -- -- -- -- -- -- -- - Date on which account was closed - XX/XX/2023 ( as per the email I received ) Amount of money I deposited in my accounts and Bank of America promised to send me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount which was in my Checking account - ( when being closed )- {$1500.00} Amount which was in my Savings account - ( when being closed )- {$500.00} What the Business committed to provide me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Cashier cheques worth the money noted above for both the accounts. 

Whether or not business has tried to resolve the problem -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had contacted the Bank multiple times to follow up on the issual of cashier cheques- XX/XX/2023 ( raised service request tkt # - XXXX ), XX/XX/2023 ( Raised CASE ID XXXX ), XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time the call is made, even though it appears that they are trying to resolve the issue, the cachier cheques never reached me. 

Each time I made the follow up call, they told me they are cancelling my already issued cheques and re-issuing again. It will reach me after XXXX business days since its foreign address ( address in XXXX ). This number of days ( XXXX ) or ( XXXX ) changes depending on the person I get to speak with. 

As of the latest calls made on XX/XX/XXXX and XX/XX/XXXX, bank has not been responding after listening to my details over call. I have been kept on hold for abuot XXXX minutes without any acknowledgement or response from the other end post which I had to drop the call myself. 

Account\Order\Tracking Number -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They never shared any tracking number with me as they told cheques would be sent via 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 monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reported to Chase Bank on XX/XX/27 some unauthorized charges on my account. Among them there are XXXX transactions for the same amount. I received a temporarily credit which today was reversed. Upon calling the bank they said the transactions are valid because the merchant said they are! I was not provided with any documentation, i have XXXX the name of the merchant and also i asked to escalate the claim. I was told that Chase is not actually investigating but they direct everything to XXXX. I need an advise on where can i take this any further

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, Equifax, and XXXX credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXX 's credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, XXXX, and Experian credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXXXXXX XXXX  credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts XXXX XXXX XXXX XXXX XXXX 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I recently got a new credit report and I found out that it had some old information that needs to be removed. Old phone numbers.

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 2023-11-29 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: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
stating {$1000.00} balance is on my credit report after they have charged it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
This is continues on complain XXXX. 

After I received email from Western Union executive resolutions department " Please be advised that this wont bring any legal implications to you '' ( email attached ), risk collection department continuously harassed me with emails and phone calls " outstanding balance may be sent to a Third Party Collections Agency and your credit score may be affected '' see attachment. 
After the transaction was canceled by Western Union and money was returned to my bank account, I send this money using wire from the my bank account ( see attachment ) and then 30 days later Western Union ask for the money back, because they may be paying someone in XXXX. If this harassments not stop, I will start complaining in social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-11-29 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: CA

Complaint narrative:
My consumer reports has old outdated addresses that I am no longer residing at. My name is also displayed on my consumer report in accurate with spelling and multiple times.

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 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America was fined {$250.00} XXXX by CFPB for botching the disbursement of state unemployment benefits at the height of the pandemic. Bank of America automatically and unlawfully froze peoples accounts with a faulty fraud detection program, and then gave them little recourse when there was, in fact, no fraud. I was sent a form stating if I received financial harm between XXXX XXXX thur XX/XX/XXXX from these action please submit documents. I sent BofA receipts from hotels, storage units, Ive sent them documents were I didnt full fill my payments on rent and was ask to leave. Ive sent supporting documents from the credit union regarding my vehicles being charged off on my credit for non payments. Ive sent them supporting documents showing them my credit card was charged off due to non payment. This have cause me and my family a great deal of PAIN. My credit went from XXXX to the low XXXX. All because on XXXX XXXX, XXXX I walk into BofA and made a complaint and on XXXX my complaint was denied without any due process from them using a faulty fraud detection program. On XXXX I submitted my documents to be compassionated for my financial harm. On XXXX I had to submit more documents. I did that 58 days ago. Since then Ive been getting stone wall for my compensation. Its been 75 days since my initial claim. Ive called and tried working with BofA on the matter and I am not getting no luck in the response.

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 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023, I applied for dental work with a dental company. The application ( promissory Note ) somehow arrived at this bank through another dental or credit unit, since banks are borrowers they had to have borrowed the promissory note or purchased it. 

However, I was denied credit by the XXXX of the same month and year, when the credit was secured by the note under 15 USC 1637 ( a ) ( 6 ). 

The promissory note was accepted, and securitized, which means the credit was secured, yet I was denied credit on the basis of an inaccurate consumer report while the bank stole credit from the note which I pledge in good faith. 

Based on the Federal Reserve Act, Section 16 ( 1 ) ( 2 ) the application is the security.

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 2023-11-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Last year I discovered a false account with XXXX XXXX XXXX and XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX XXXX and XXXX  denied the claim XXXX This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX XXXX and XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that 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 non-monetary relief
Consumer complaint received 2023-11-29 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
1. I have received email from XXXX that I was in collection with XXXX XXXX XXXX XXXX for delinquent Capital on e account. 
2. I have talked to a staff in Capital one that I have received credit card with my full name, Social Security Number, Third party 's Address & Phone number. 
XXXX. Third party used credit card from Capital One & did not pay. 
4. Contacted Credit report company & remove third address & Freeze the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Please Delete this from Credit report this not mine SYNCB/AMAZON XXXX XXXX XXXX XXXX, FL XXXX 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 non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Over the last several days I have tried to contact PayPal regarding a situation where I have not been able to order a PayPal debit MasterCard. I have not been given detailed information as to why it is important to have said card issues and mailed to my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
In XX/XX/XXXX I had defaulted on a car loan. The car ultimately was repossessed in XXXXXXXX XXXX XXXXXXXX. The debt was then sold in XXXX. Both XXXX XXXX XXXX and the new debtor are displaying inaccurate information on my credit report. Both of them are not showing historical data from XXXX and XXXX to make the account stay on my credit longer than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ACCOUNT XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY 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 2023-11-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
ACCOUNT XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY 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 2023-11-29 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
NATIONAL CREDIT ADJUSTERS This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. NATIONAL CREDIT ADJUST Original creditor : XXXX XXXX XXXX XXXX. I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ) .Furthermore, I have requested your method of verification and you have not complied, which is an additional violation. In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. I contacted the original creditor and they informed me that National Credit Adjust is not the company that XXXX XXXX sold the account to. The account was sold to XXXX XXXX then XXXX XXXX. Original documentation bearing my signature for this alleged debt was never presented. Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA and FDCPA. Attached is the letter from the original creditor. Remove this account from my credit report within 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I have identified several inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) guidelines. 
tHIS inquiry was made without my consent and violate the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ), which states that inquiries into a consumer 's credit report must be authorized by the consumer or have a permissible purpose under the law.

I have not provided authorization for this inquiry, nor does it meet any permissible purpose under the FCRA. As per Section 1681b ( c ) of the FCRA, any unauthorized inquiries must be promptly deleted from my credit report. This section specifically states : ( c ) An authorized user under an account shall not be liable under this subchapter for any amount in excess of his or her pro rata share of the total of such obligations.

The aforementioned inquiries violate my rights under this section. I demand that these unauthorized inquiries be immediately deleted from my credit report, as they are inaccurate and damaging to my creditworthiness. I request that you investigate this matter promptly and provide me with written confirmation of the deletion of these inquiries from my credit 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 non-monetary relief