vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020 Bank of America closed my account without warning. My ending balance was about {$11000.00}. When my debit card declined at the store, I called my bank and they informed me of the account closure. OnXX/XX/2020 I was told that a cashiers check with my ending balance was mailed out. XX/XX/2020 I was informed that no check was sent but that it was being held in the back office for review. I have no had any access to any money because of this! I am behind on SEVERAL bills. I am at risk of losing 2 storage units because I can not pay them without my money. I have a hired attorney that is threatening to withdraw off of my case because I can not pay him due to not being able to access my money! I am also at risk of having my license suspended because I can not pay car insurance. I have since spoken to my bank and nothing has been done yet! I still have no money. I  havent been able to even grocery shop for my children at all either. I am not going to continue to go back and forth with the bank about this issue. I need my funds asap

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 2020-10-19 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Shellpoint Mortgage Servicing has indicated that my mortgage, # XXXX is " 120-149 '' Days Late from XX/XX/2020. That is FALSE. This account is current and was never late and protected under the CARES ACT Forbearance. The attached Letter from Shellpoint Mortgage Servicing proves I was under Forbearance from XX/XX/2020 through XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX have wrong information on my credit report i have only1 XXXX auto loan and i see 3 XXXX  auto loan on my credit report and lots of wrong information i call and talk to credit bureau manager and i tell her every thing on my credit report is wrong she said i can hear you but she dont do anything about it all she said you can file complain about  the XXXX XXXX  this will make my credit lower lower it was XXXX went down to XXXX i am tryin g to raise my credit score i am trying to raise my credit score

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 2020-10-20 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: AL

Complaint narrative:
I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions,  XXXX  XXXX XXXX, XXXX, and the XXXX  Dispute Department. The disputed amount is {$11000.00}. Please send a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my balance history, send my payoff disclosures, send my complete payment history, and send my interest rate disclosures. Delete this account immediately if it is not 100 % accurate. 

I wrote a letter on XXXX XX/XX/XXXX to TransUnion Consumer Solutions, XXXX  XXXX XXXX, XXXX, and the XXXX   Dispute Department. The date last active for TransUnion is XXXX XX/XX/XXXX, XXXX is XXXX XX/XX/XXXX, and XXXX  shows XXXX XX/XX/XXXX. This account payment history shows that it is in a charge-off status and paid as agreed status at the same time starting in XX/XX/XXXX to current, this is a conflict. This account has been illegally re-age. This account has been re-aged. Delete this account immediately.

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 2020-10-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: TX

Complaint narrative:
Trying to activate a new card but when I call the number on the card and puts me on hold and ask to wait for the next worker. I have call on XX/XX/20 from XXXX to XXXX, XX/XX/20 at XXXX to XXXX and called on XX/XX/20 at XXXX to XXXX and I have not gon na a single person. There is no other way to activate the card and so im stuck at what to do cause now my money won't have anywhere to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: TX

Complaint narrative:
This is a complaint about Discover 's payment policy. Discover allowed a thief to make false payments that then bounced in order to exceed credit limit when I was not aware card had been stolen. Discover 's inefficiencies do not allow for payments to be held until the amount has cleared the bank. Multiple payments were made in a very short period and Discover did nothing to stop the thief. Discover controls the payment policies, not the consumer and should not be liable. Discover responded that my concerns were forwarded to leadership in the appropriate area. That doesn't benefit me after Discover 's payment policy created the damage. And then I was asked to " please contact Customer Assistance and Recovery department at XXXX XXXX XXXX XXXX to discuss repayment arrangements. '' I am sure that is to pay in full due to Discover 's inefficient payment policies in the year 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2020 Auto Financing XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 Automobile Dealers, XXXX  XXXX XXXX XXXX XXXX from XX/XX/2020 Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/2020 All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank XXXX my checking account ( after 50 years ) and they sent me 2 checks Totaling over {$11000.00} after they refused to honor my payments sent to my online payees, saying they Closed my Account XX/XX/2020 although I was not officially notified until XX/XX/2020 when I received a letter on that day. Each month I have XXXX my IRA savings bank deposit {$5200.00} in my Checking Account. The Transfer was made on XX/XX/2020. Now Chase Refuses to talk to me or to XXXX about that {$5200.00} transfer. Today is XX/XX/XXXX and I have to assume it is their intent to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I signed up for the Barclays Arrival+ credit card specifically for its advertised travel cancellation and interruption insurance. I submitted a claim earlier this year, # XXXX to Barclays through the CFPB website. They misunderstood the complaint and immediately denied it. 

My trip was cancelled because of COVID ; this is clearly an acceptable reason pertaining to " travel cancellation and interruption insurance ''. The trip never started because of the pandemic. I provided Barclays Mastercard insurance with all the required documentation.

Barclays response noted they don't reimburse due to an airline filing bankruptcy. The airline only filed bankruptcy for their own financial matters ; the airline has NEVER stopped flying. The primary cause of the trip cancellation was COVID ; not the bankruptcy. 

I was penalized a {$300.00} per ticket charge ; and I am seeking {$600.00} reimbursement for the penalty fare imposed by the airline.

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 2020-10-20 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: AL

Complaint narrative:
I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.

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 2020-10-20 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I just recently pulled my credit and I saw several Fraudulent accounts that I did not recognize and an address. I believe my credit has been mixed or merged with one of my family members. I was in jail at the time of the opening of these accounts there is no way i opened them.

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 2020-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NH

Complaint narrative:
i received an offer from us bank for a debit card that i did not order, request or desire. 
all attempts to call the company require me to activate the card or provide other information such as social security numbers. Although provided my social security number I did not provide any more information. 
I believe this may be a fraudulent offer as there is no information such as a cover letter summarizing this offer. it merely states to call to activate and funds will be allocated. 
I want this action stopped immediately for fear of possible identity theft.

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 2020-10-20 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: OH

Complaint narrative:
After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i am a litigious consumer who has been violated by the credit reporting agency known as TRANSUNION LLC. after 4 attempts starting in XXXX of 2020 through XXXX of 2020, i have sent to transunion llc certified letters with proof of my identification, address, etc. etc, asking them to remove erroneous, and unverified accounts on my credit report, and to no avail each time they have continued to violate the FAIR CREDIT REPORTING ACT, that states under ( section609 ( a ) ( 1 ) ( A ) and ( section611 ( a ) ( 1 ) ( A ) that they have a copy of the original creditors documentation on file to verify that this information is mine and correct, in all four of TRANSUNION LLCS. RESPONSE LETTERS. they stated in writing that all of these erroneous items on my credit report had been verified, without any proof to me ( the consumer ) furthermore they failed to provide me the method of verification as required under ( section611 ( a ) ( 7 ) i also advised them that under the fcra ( section611 ( 5 ) ( A ) that they were required to PROMPTLY DELETE ( ALL ) INFORMATION WHICH CAN NOT BE VERIFIED, the law is very clear as to the civil liability and remedey avail ; able to me ( section 616 & 617 please assist me in this matter for TRANSUNION LLC. TO COMPLY WITH FEDERAL LAW, and remove these unverified accounts from my consumer report thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: IQOR US INC
State: NY

Complaint narrative:
XXXX XXXX XXXX  joined XXXX XXXX XXXX XXXX  in predatory lending practices in 2006. 

The accounts that were opened were then transferred to XXXX, without my consent allowing them to gain from the sale.. 

XXXX has sent letters to reduce the principal balance threatening they would take legal actions. 

XX/XX/XXXX Allied Interstate a debt collection company contracted with XXXX to collect {$30000.00} also stating they are willing to collect amount of {$11000.00} The Original Principal balance was .... 

The amount I have paid including interest ... ... 

Was not included in the letter

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 2020-10-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, 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 2020-10-20 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report.

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt.

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report.

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information.

Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items.

Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20 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: TX

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX  XXXX  Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 Onemain Inquiry from XX/XX/2020 XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 2020-10-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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