vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 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: CA

Complaint narrative:
- I have received a letter from Bank of America ( BoA ) on XX/XX/2021 stating that they are closing my credit card account due to Unusual Authorize Users. 

- I did receive a miss call from BoA on XX/XX/2021 but there was no voice message left behind in which I can not call back. I was not sure the intention of this call, but I dont think it was to prevent BofA from closing this account, if so they would of try to call me or reach me another time. 

- I called the Risk Department on XX/XX/2021 after receiving the letter for clarification. They said that this account is close, and it will remain close. The representative ( XXXX ) and later I spoke with the supervisor ( XXXX ), both firmly said its closed due to unusual activity. XXXX stated, A lesson learned, you can open another account but this one remains close even I told them I have no warning from BofA by adding Authorize User into my account is inappropriate which leads to closing an account. 

- I have mentioned to XXXX and XXXX that I have asked the BofA representative multiple times in the past that " is it safe for me to add Authorize User? '' The representative said that it is safe if ONE UA is being added at a time in which I followed strictly ( those conversations were recorded by BoA ). I will not be doing so if I know BofA will close my card. I have over 13 years with BoA under this account and with {$85000.00} credit line on top of Preferred Reward Member, I do not want to lose that. And mainly I do not want my credit score to drop significantly because of utilization and years of credit experience. 

- There is nowhere in terms and conditions stating the limit in AU per month or year, there is no indication what is right and wrong with adding UA, there is no restriction stating adding one AU and removing other is inappropriate, there is no warning from BofA at least saying this is not right and will close this card if persist, etc. Per XXXX, there is a group of people to discuss if its usual vs unusual activities in which I think its very subjective, for me its usual but for them it is not in which I can not know. 

- After shutting down my account, I had to find out that my card was closed from another company in which I set autopayment on under this card, I almost had to deal with late payment because BoA did not notify me that my card is not active. 

- In addition from not communicating to me before closing my account, BoA did not refund my reward cash bonus in my credit card account. They said the account is close and they are not able to return the reward I have earned.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime closed my account after the 3rd stimulous posted .i just want the account reopened to change where my funds go or i will loose my house. Idk the acct number but its associated with my phone XXXX please help me this is wrong of them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX  hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021 I received 26 calls around the XXXX XXXX hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15 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: TN

Complaint narrative:
Filed a complaint with cfpb on XX/XX/2021. ( complaint # XXXX ) Company responded : there is an unauthorized third party on XX/XX/2021 The company needs authorization from you to proceed with your complaint. 

We reviewed the complaint you submitted and sent it to the company for a response. The company has let us know that it needs authorization from you to proceed. 

Authorization to delete the bankruptcy from Experian was requested on XX/XX/2021.

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 2021-03-15 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: Lending Club Corp
State: NY

Complaint narrative:
I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, lending club has been adding payments on this account as well, false reporting of account activity. 

Lending Club Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call XXXX XXXX and she gave me the same number to call that I had just talked to. Supposedly Pressler and Pressler, LLP I looked up the Judges name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: MD

Complaint narrative:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX - mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. TransUnion - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to TransUnion 6. Certified Letter Confirmation 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 2021-03-15 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: MD

Complaint narrative:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1XXXX XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. Equifax - mailed XX/XX/2020 4. XXXX - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called Equifax on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to Equifax 3. Response received from Equifax that does not include the method of verification required by the FCRA. 
4. Dispute letter to XXXX 5. Dispute letter to XXXX 6. Certified Letter Confirmation Numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I mailed certified letters on XX/XX/2020 & XX/XX/2020 to the following companies and creditors regarding a disputed item on my credit reports : 1. XXXX XXXX XXXX XXXX mailed XX/XX/2020 2. XXXX XXXX - mailed XX/XX/2020 3. XXXX - mailed XX/XX/2020 4. Experian - mailed XX/XX/2020 5. XXXX - mailed XX/XX/2020 The disputed item is reported as a repossession on all ( 3 ) credit bureaus. I sent a letter to the original creditor and car dealership where the vehicle was reportedly purchased from. By law ( FCRA ) they have 15 days to respond. They have not responded date. I mailed certified letters to all ( 3 ) credit bureaus advising them that I am disputing the repossession that is being reported. I explicitly the method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has first-hand knowledge of the account in question. 

I called XXXX on XX/XX/XXXX to follow up on the dispute. They advised me that the account was verified and that they would send me the method of verification in the mail. They did not send the method of verification pursuant to the FCRA ; they simply sent a normal dispute notice stating that the account was verified. 

I have attached the following letters to the case : 1. Dispute letter to XXXX XXXX XXXX & XXXX XXXX 2. Dispute letter to XXXX 3. Response received from XXXX that does not include the method of verification required by the FCRA. 
4. Dispute letter to Experian 5. Dispute letter to XXXX 6. Certified Letter Confirmation 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 2021-03-15 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: Source Receivables Management LLC
State: NY

Complaint narrative:
Source Receivable Management informed me that upon payment of the collection, the collection will be recalled by XXXX and the collection account will be removed from my credit within 30 days. Now they are telling me that this conversation never took place. They refused to transfer me to a supervisor as the account is no longer with them. Then why are they still reporting the collection if the account is no longer with them? 
Source Receivable is engaging in a very disturbing and misleading practice. They are informing clients that the collection will be removed from the credit and than failing to honor their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
The inquires never gotten erase off my credit report. I contacted the business and they told me that they do not have a application filed in the system of me applying for credit and I need to dispute it with Transunion and I did but they never took them off after they told me they was deleted. These inquires on my credit report and the file was locked. XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automotive Inquiry date : XX/XX/XXXX Removal date : XX/XX/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 2021-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am looking over my credit report and I see that the alleged account below is on my credit report. Are you aware that Pursuant to 15 USC 1681c no consumer reporting agency shall include the name, address, nor telephone number of any medical information. Yet your company continues to report this alleged information to my credit report. Please delete the following alleged account as soon as possible as it not only violates 15 USC 1681c, but also 15 USC 1681b as I, XXXX XXXX did not give your company written instructions to include this alleged information. 


XXXX XXXX XXXX XXXX Account # XXXX I have included my license for identification being that you have my alleged personal information in your system WITHOUT my consent you should be able to verify me with the identification ( my license ) that I provided.

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 2021-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
As explained in numerous prior CFPB complaints, a settlement check in the amount of {$3700.00} plus estimated IRS taxes was not received as well as a subsequent payment in the amount of {$500.00} which represents a mediation offer. The payment amount of {$3700.00} was offered to me by an XXXX XXXX while speaking over the phone in XX/XX/XXXX, it appears that check was intercepted and cashed by another party in which case another check was supposedly sent to me after I had moved in XX/XX/XXXX, the subsequent payment amount of {$500.00} was also sent to old address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX. As explained in prior CFPB complaints, anything sent to old address would not be received, this includes a letter sent from mediation regarding offer amount of {$500.00} which was not received and or signed by myself. Needless to say, Wells Fargo reps can not refer back to it as they have attempted to do so prior, as again, it was not signed by myself. Wells Fargo has replied in the past in part by sending additional mediation request forms, a total of six have been filled out, denied, some reference the letter previously mentioned which was not received or signed by myself. Most recently, I received an IRS form which shows the settlement amount of {$3700.00} plus taxes reported to IRS by Wells Fargo. This is the second such form received, a form 1099, reports a payment not received in which case my taxes have already been filed and will cause an audit. The IRS will charge interest on any additional funds owed, once they audit the return. I request Wells Fargo to fix this error due to non-receipt of funds, they have reported this amount twice, in XXXX and now in XXXX for payments never received. In closing, Wells Fargo may show cashed checks, however, I can assure the CFPB those payments were not received as I moved in XX/XX/XXXX and were issued after that time period.

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 2021-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a active sale date of XXXX XXXX / 2021 Which is next Monday Today date is XXXX / XXXX / 2021 In 7 days my home is set to sell and SLS is playing game All of their attempt is to say There wasnt enough time to review my application so they have excuse to sell my home fraudulently They send me application again and gave me until XXXX / XXXX / 2021????????? 
To complete I already send them application on XX/XX/XXXX by email and fax What happened to it????? 

I have sale date on XXXX / XXXX / 2021 Typical SLS Sloppy toy around No accurate information Doesnt know nothing about my situation Only what they are best in Foreclose on people period. 

This is how they operate

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 2021-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
The original creditor was XXXX XXXX ( XXXX ) the reason for my debt when I moved from my townhouse to my new apartment my apartment complex had an contract with XXXX XXXX XXXX so I inform XXXX XXXX ( XXXX ) of my situation. I spoke to a XXXX ( XXXX ) representative about my situation she asked could I pay my balance in full and I said no she said you can make payments but make your sure you make the payments within 30 days so it won't be reported to collection and she asked for my new mailing address in case XXXX ( XXXX ) need to contact me so I paid on my account within 30 days every month. A couple of months later I get a letter from a collection agency called XXXX XXXX they inform me they were were working for XXXX ( XXXX ) and explained to them that I was paying XXXX ( XXXX ) something every month to keep this debt off my credit report and XXXX XXXX also agreed to a payment plan witch I had them to automatic draft {$10.00} a month to protect my credit. I noticed months later XXXX XXXX stop sending my receipt so I called them and they inform me that XXXX cancel their contract. I called XXXX ( XXXX ) and wanted to know do I started back paying you because I don't want this on my credit report XXXXt ( XXXX ) told me to contact Sequium Asset Soluti. I contacted Sequium about making a payment I also asked why they didn't contact me the representative they sent a letter out to my old address XXXX ( XXXX ) failed to give Sequium my mailing address they only gave Sequium my the address where i had service at XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas not my new address XXXX XXXX XXXX XXXX XXXX, Texas so i wasn't notified of the change of company. I asked the Sequium what do i need to do first he said could you pay in full i said no I wanted to make a payment I said {$10.00} he said that was to low so I said {$48.00} and you can draft the rest out of my account each month in the sum of {$40.00} so it won't go on my credit. The next day it went on my credit report so now i need it to be paid in full if he would have said no matter if you pay payments its still going on your credit report i would have paid it in full. I was also told it would be removed off my credit after i paid in full it's still on my credit I don't have any negative reports on my credit because i am trying to get a home for homeless veterans. I was lied to by Sequium they are some criminals which XXXX has a lot of complaints against Sequium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I received a letter from Debt Recovery Solutions LLC ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor XXXX. I never opened an account with XXXX or apply for a loan.

Company response to consumer: Closed with explanation