vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
My husband has a XXXX ( k ) with BOK Financial and passed away in XXXX of 2021. I am attempting to rollover the XXXX ( k ) into an IRA in my name as I need this money to live on. 

On XX/XX/2021 I submitted a Surviving Spouse/Beneficiary Application for Death Benefits along with a death certificate. I was subsequently informed that my grantor trust, of which I am the sole trustee, was named as the primary beneficiary on the account. This is a revocable trust that reports under my social security number. I sent a copy of the trust to BOK Financial and received a letter dated XX/XX/XXXX ( attached ) that denied my request to rollover the XXXX ( k ) as the trust was listed as the beneficiary. I consulted with my estate attorney and contacted BOK Financial on XX/XX/2021 and posed the below questions as advised by my attorney. Please keep in mind that I am the sole trustee of the trust that is listed as primary beneficiary on the XXXX ( k ) : " Do you have a spousal waiver form on file allowing the trust to be the primary beneficiary? If not, under XXXX, the trust can not be the primary beneficiary over me, his wife, in Arizona which is a community property state. ( this was not answered ) Am I individually listed as the contingent beneficiary? If this is the case I would like to begin the process to have the trust, which is effectively me, disclaim its position making me the primary beneficiary ( this was not answered ) The IRS has issued numerous private letter rulings where they allow a spouse to withdraw assets from the trust. Where can I have my attorney forward one of these letters requesting that you allow me to control the XXXX ( k ) and effectuate a rollover, sometimes thought of as an indirect spousal rollover? ( this was not answered ) I was told by the representative that I spoke with that they have met their obligation and will not provide me with any answers. The tax consequences of distributing the XXXX ( k ) as oppose to rolling it over will be devastating to my retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA is committing fraud on me .Under 12 CFR 1005.2 ( I ) this is my account as a federally protected consumer and they have placed a {$2500.00} credit limit on my account without my expressed consent which is fraud.Under Regulation Z of the Truth in Lending act banks cant extend credit or loan money.BANK OF AMERICA is deceptively creating the impression that they are the ones funding this account and that this account belongs to them which is fraud and federal violations.

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 2021-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
Affirm was paid in full never late please update an remove negative remarks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. The information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report asap. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the federal trade commission, please review the enclosed copies of the FTC 's Identity Theft Affidavit in regard to this incident. Please investigate these matters and remove the disputed items asap. 

Please remove these inquiries asap : XXXX - XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NV

Complaint narrative:
I have been trying for 2 weeks to get my money from cash app. They say they need to verify my identity. I sent them my information 6 times now. They say it takes 1-2 days to verify me. And then they say they can't find my records and to send it in again, meanwhile there is record of our conversation and the status saying 1_2 days. Then they say 10 days. Then they say it's escalated. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX disputes were mailed to to TransUnion for investigation of those accounts. TransUnion failed to respond. As a matter of fact TransUnion has committed several violations as it pertains to my credit profile. According to 15 U.S. Code 1681i ( A ) ( 1.A ) which is federal law the accounts that were disputed were supposed to be removed from my credit while a full and complete investigation took place. TransUnion did not remove or notate these accounts were even in dispute, much less remove them while an investigation took place. As per my understanding, the law is the law and these are my federally protected rights as a consumer. In my eyes and understanding TransUnion was willfully neglectful with the handling of my credit file. Also since were cognizant of the laws lets go a step further and note that under 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. A copy of law is attached along with the dispute letter sent. 

Concerning the accounts listed below as a consumer Im demanding a deletion of these accounts. 

Acceptance Now Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX. Account # XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX As a consumer Im enforcing my rights and demanding immediate deletion of the above listed accounts 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 explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received a fraudulent charge on my credit card statement for {$170.00} on XX/XX/2021. I called Macys card services various times to submit a claim over the phone, to which their only solution was to send me a new card with a new number without removing the charge from my account. I then wrote a letter to them disputing the charge and received written correspondence that they received my fraud claim on XX/XX/2021 and would notify me with the results of the review. On XX/XX/2021, I received notification that they had completed the investigation and found that the charge was in fact fraudulent. Two statement periods have now passed since then and I have not received a credit on my statements for the {$170.00} or the interest that they charged me associated with the fraudulent transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03 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: TX

Complaint narrative:
This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my 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
Consumer complaint received 2021-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I sent $ XXXX worth of shiba to the address I have for coinbase. They said they can't retrieve the funds because it's not supported.. If it'snot supported whhy would they accept the transaction. Now I have lost my money and they wouldn't issue a refund. Here is the transaction. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have multiple times contact bank of america And they fraud department say there is no Fraud on my account yet the recover department said there is by saying my account Is fraud i have given them 30 days as per fact act i still have not seen any proof of the fraud in writing by the company stating the act of fraud was committed so as per fact act and fair debt collection act it has to be removed from my XXXX report since they have not shown Any proof in 45 days

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 2021-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Letter was sent to company to verify my debt. Company only sent itemized statement and continues to report this debt to consumer report agency. Debt collector should remove the collection of my credit report since they are failing to validate the debt per FCRA 623 ( b ) ( 1 ) the account must be removed if not 100 percent accurate. The FCRA requires that furnishers of data to consumer reporting agencies to report information that is 100 percent accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. I have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove the listed account below from my personal credit file : MEDICAL - Acct No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - AUTO FINANCE Inquired on XX/XX/XXXX ; XXXX  - CARD SERVICE Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
Ive tried to explain to these people that I was in an car accident and all the medical bills were taken care of by my insurance company. A total of {$2000.00} was paid. It was a sprained thumb. What else could I possibly owe money for? Besides the fact that the bill was covered and paid for by my car insurance company. The bill was paid in two separate payments XXXX on XX/XX/20 and XXXX on XX/XX/20. Ive tried referring them to my insurance company several times and they just kept harassing me and now have sent my account to collections when I dont owe them anything. Ive also never received the bill from XXXX XXXX XXXX XXXX stating I owe anything other than what was paid by my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I received a pre-qualification email from BB & T. I followed the link to their website and entered my information. It showed I was pre-qualified for 3 different credit cards. It gave an exact interest rate. I decided to go to the branch in XXXX XXXX XXXX, Texas and apply in person with a banker. I applied with a Banker named XXXX XXXX. I was given an instant approval for a credit line of {$3500.00} and a purchase rate of 19.24 %. I was provided some paperwork. One of the forms from BB & T showed my XXXX Credit Report was pulled that day with a score of XXXX. 
I received the credit card in the mail about 2 weeks later. I activated it and set up the Truist app ( BB & T changed its name to Truist ). I noticed my available credit was {$0.00} and the {$3000.00} balance transfer I submitted was listed as being declined. 
I called customer service and they told me the department I needed was closed. The next day I went back to the XXXX XXXX XXXX branch and spoke with another banker. I gave her the new credit card I received, my drivers license, social security card and my passport card. She was transferred around and finally put the call on speaker phone. A lady on the other end told me, the credit card agreement states that they can close my account for any reason and they are exercising their right to do so! She wouldnt give me a reason. 
The account has been listed on my credit reports as being open, with a {$0.00} balance and a {$3500.00} credit limit. 
I received a letter today that says : Description of Action Taken : XXXX has determined we will no longer maintain this account. I believe they are discriminating against me. I will provide pictures of my documentation below.

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 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is reflecting on my consumer report as a " collection '' for {$1300.00} as well as a " charge-off '' with a {$0.00} balance. This information is inaccurate and I would like it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/21 a fraudulent charge of {$190.00} was made on XXXX using my Chase Freedom credit card, I contacted Chase the same day the charge was made and was assured the charge would be removed. The {$190.00} was removed the same day and I was issued a new credit card with a new number ; however, this same charge from XXXX appeared on my statement almost 3 months later on XX/XX/21 and I was not notified by Chase of this recharge nor did they agree to remove the charge based on my statements. 

Further attempts to contact Chase to resolve this charge have been time-consuming and frustrating, they do not seem interested in removing the charge and the agents that handled my calls seemed more interested in getting me off the line as quick as possible. The case is clear : the charge was NOT made by me, the charge had already been removed and the old card had already been closed, there is absolutely NO reason why someone should expect a 3-month old FRAUDULENT charge from a credit card they already closed. I want this charge removed as soon as possible and Chase needs to take better care of its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Stern Recovery Services, Inc.
State: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Intent to file a lawsuit, HIPPA Privacy Violation Validation Letter sent to XXXX XXXX XXXX/STERN RECOVERY SERVC To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 

XXXX XXXX XXXX/STERN RECOVERY SERVC did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau isreporting inaccurate information on NFCU XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are items that should not be on my Experian consumer report. There are items that are inconsistent when I compare to my XXXX and Experian reports. I never gave Experian expressed written consent to report any items on my report. I have disputed items for over a year. They keep closing my disputes as verified. I have yet to receive any verification. Although Experian has removed items from my report in the past, they have yet to compensate me for their mistakes. It's exhausting and has damaged my reputation and caused me to not be approved for life sustaining necessities.

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