vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Card Receivables Fund Incorporated
State: CO

Complaint narrative:
According to XXXX XXXX XXXX who represent Unifund CCR, XXXX state that i owe {$8300.00} for a account i did not own. I tried to get the information that they said they had to prove their case. I got a billing statement for billing that had a date of XX/XX/XXXX. the account was in my name and address was listed where i used to live. What caught my eye was the credit card account number was different from the credit card i did have with them and has since been paid and canceled. I told them that this account wasn't even mine. Their answer was because my name was on it it was my account and owed the amount. I asked XXXX XXXX XXXX to show me the form where i signed for this account. Nothing was produced. If i understood XXXX XXXX XXXX they are the second debt collector to have this account. They say I was served to appear in court. The age of the person served as XXXX, at that time i was XXXX. the height of the person was XXXX foot, im XXXX. In order to put pressure on me to pay the debt XXXX XXXX XXXX or Unifund had put a lean on me. I found this out when i tried to get a G.I. loan in XXXX for a home, of course i was denied the loan because of this.According to a screen shot page dated XX/XX/XXXX from Unifund it states that I do not make enough money to garnish. 
In short i never owned the card in question. I would like to have the Lean taken off and the debt erased. I feel they have taken away my right to getting a home for my family as owed thru the G.I. bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I did not authorized an inquiry from Syncb/Amazon XXXX  id theft report XXXX 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 2020-08-12 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: NV

Complaint narrative:
Please review previous closed complaint regarding Experian. I never received any pin number in the Mail. Experian failed to protect me from being a victim of fraud. In fact Experian aided and abetted the person who has used my information to obtain credit using my information. Experian supposedly sent me a pin to my home address. Where is it??????????? Also they said I did not enclose my social when their website told me not to include my social when writing to 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 2020-08-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I paid the loan on full then I get a bill for XXXX cents so we paid that.This was to get the release of the deed.Shell point added to the loan and said I was 90 days late how can We be late on a loan paid off.Shell point is now trying to foreclose when the payoff is XXXX.That we did not owe so they can come on and still our house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: NV

Complaint narrative:
In 2017 I had a XXXX credit score, suddenly, even having no late payments, collections, debts my credit score went down to XXXX! I demand and explanation about this! I spent two years growing my credit score again, no late payments, no collections and it repeats again, because of a XXXX XXXX XXXX report my credit score went down from XXXX to XXXX, only because of a late payment my credit score went down 107 points. XXXX, XXXX  XXXX XXXX, Experian have been wrongfully calculating my credit score! I disputed the score, Experian answered it Remains on my report. My credit score shows a rare behave, even when making the same payments on time of my car loan and my credit cards, my score goes up and down only one point!

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 2020-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
On XX/XX/20, I was in a car accident in which I was not at fault which resulted in me having to go to XXXX  XXXX XXXX. This current car accident and all charges involved are currently in litigation and are being paid through this process/settlement. This company never notified me that it would be going to collections as I would have advised that this matter is being handled by attorney XXXX XXXX with XXXX XXXX  XXXX XXXX  office ( phone number : XXXX ), therefore not allowing this account to be entered into collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12 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: EQUIFAX, INC.
State: HI

Complaint narrative:
XXXX, Equifax and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: HI

Complaint narrative:
XXXX, XXXX and Experian have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Last week on Monday, XX/XX/XXXX I contacted Bank of America because they threatened to debit my checking account ending in XXXX to take back some credits that I was due. I told them that was not right. They said they needed a letter from my Debt Consolidation Company showing that XXXX XXXX was in Debt Consolidation fromXX/XX/XXXX. I faxed that information to them. I also faxed a copy of the letter I did to XXXX XXXX back in XX/XX/XXXX informing them they were going into Debt Consolidation and not to take any more funds out of my account. 
Well, I am a senior citizen and I had very little money in my account. I had an insurance payment due. I needed money for food and gas. Bank of America ignored everything and took out over {$150.00} that they were Not supposed to after receiving my appeal letter that I faxed along with proof. This put my checking account into the negative. I called them very upset. They said there was nothing they could do. I told they I would report them for this. It is illegal.I am going to attach all the documents concerning this. I again faxed for a second time Bank of America today all of these documents again.

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 2020-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I signed up for an HSBC premier checking account in XXXX in order to get the advertised 3 % bonus on my direct deposits for up to 120 $ a month. In the terms and conditions at the time I did not see anything about there being a XXXX $ monthly deposit requirement in order to receive the bonus. I even called in to double check the requirements and the rep on the phone never mentioned the XXXX $ / month requirement. 

I think this offer is extremely deceiving because if you do the math ... 

You have to deposit XXXX / mo to get the bonus You can only get MAX XXXX / mo bonus XXXX = 2.4 % bonus NOT the advertised 3 % This is false advertisement plain and simple. The XXXX $ requirement was not listed on the offer when I signed up. Furthermore I never got a letter or any email confirming the terms and conditions. 

3 % of XXXX ( which is what I've been depositing ) is XXXX $ a month. The way this offer is set up is deceptive plain and simple. 

Please call me to discuss this issue Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I am submitting a complaint regarding the inaccessibility to banking needs due to the closure of many Bank of America branch locations throughout Rhode Island and Connecticut. 

Since the beginning of the implementation of COVID-19 precautions, Bank of America ( BoA ) decided they needed to protect their employees by closing many branch locations. Not only is there no access to bank tellers inside their locations, but the drive-through tellers are closed, as well as many ATM machines! This is nonsense, and beyond inconvenient, as all other banks in these areas are open for business. 

I have contacted BoA representatives several times over the past month to register my displeasure with the inconvenience that it has caused me, other customers and business owners to have to utilize the ATM machines of other banks, to have some access to our accounts. BoA representatives have been empathetic to my complaints, but NOTHING has changed regarding reopening of local branches. In addition, BoA representatives have encouraged me to utilize their branch locator tool online, and have suggested that I must travel more than 20 miles to other towns or states to access a BoA ATM machine. 

The information on the BoA website locator tool is completely inaccurate, and when I traveled to another state to a branch that was advertised as having drive-through tellers available until XXXX XXXX, I discovered a huge sign that said that branch was no longer open! 

In addition to the inconvenience of having to utilize the ATM machines of other banks ( and, therefore, be subject to their cash limits and fees ), BoA has decided it is appropriate to charge customers a fee for using the ATM machine of another bank, when their ATM machines are inaccessible! 

Last week, I registered a complaint with the Office of the Comptroller of the Currency regarding the inaccessibility of banking with BoA, when all of the other banks in my area are open for business and practicing appropriate COVID-19 protocols. On XX/XX/XXXX, I received an email response from " Enterprise Resolution '' at BoA acknowledging my complaint, and indicating that the email sender would be my, " point of contact until this matter is resolved. '' In actuality, the sender identified himself as representing a debt collector. I do not take satisfaction in receiving an email message from a debt collector as someone who is capable of addressing my concerns. Why didn't I receive a response from a member of the BoA Regulatory Complaints team who has nothing to do with debt collection? 

I would appreciate a rapid resolution to the ridiculous closure of BoA branch locations, in the name of COVID-19. For such a large institution to behave this way is reprehensible and unjust.

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 2020-08-12 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: Credit Technology, Inc.
State: TX

Complaint narrative:
I did not authorized an inquiry from credit technology, id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SIMM Associates, Inc.
State: TX

Complaint narrative:
I have been harassed by postal mail several different times, by several different collection agencies representing XXXX XXXX XXXX. The first harassing letter was sent by XXXX, which after I filed a complaint here with CFPB, in XXXX, they said they would stop contacting me regarding the debt they allege against me as it has absolutely no merit. The second harassing communication came by way of XXXX XXXX XXXX in XXXX, XXXX, the next was by XXXX XXXX XXXX, also representing XXXX XXXX XXXX which occurred in XXXX, XXXX. The most recent communication was sent to me by their third company, SIMM ASSOCIATES , INC. dated XX/XX/XXXX. The letters are the exact same each time. Each time they allege that I owe money for a student loan account that they allege I defaulted on XXXX, XXXX, XXXX. Not only do I not owe this debt, the information they have and continue present is completely false. I dispute this debt!. Each time they threaten me, they present false documents and they allege that I benefited from proceeds of a student loan that I do not own. I have statements from both my private and federal student loans to show that I do not owe any outstanding debt. This is a fraudulent company who buys false documents from somewhere and they harass you at every end using fear and intimation tactics each time. What I know about XXXX is they have been party to a Federal Court case over 20 times for violating consumer 's rights and using illegal harassing communication tactics to coerce a payment. Well, it will not happen in this case. These practices must stop. It takes me time and great effort to continue responding to these harassing letters every few months. It also causes me emotional turmoil to be accused of owing a debt that they threaten against me. These actions are malicious and are intended to inflict emotional distress to coerce me to pay for something I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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:
Never received a notice which in 45 days per the credit card act of XXXX. Account closed reasons stated : inactivity, current or past delinquency, derogatory public record and/or collection accounts. Received email account closed XX/XX/XXXX and received letter explaining XX/XX/XXXX dated XX/XX/XXXX. Last activity was paid in full XX/XX/XXXX. And I believe negative ( false ) reporting from Bank of America will have negative affect on 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 2020-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: PA

Complaint narrative:
Ive asked multiple times to not be contacted by Better Mortgage. The send multiple emails with no opt out, text messages when not opting in and do not stop contacting after multiple requests. Annoying but also a UDAPP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am absolutely certain that the items ( Chapter XXXX Bankruptcy -Case Number : XXXX and Chapter XXXX Bankruptcy - Case Number : XXXX ). Please remove these inaccurate items from my credit reports. I disputed as incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to  investigate how these items were verified. I would like to see a complete list of all documents and correspondence within. Please include all names and contact information of employees that you spoke to as a part of this investigation and verification. Your company continues to have a dismissed and filed Bankruptcy on my credit report, this is an unconfirmed and unverified dismissed bankruptcy stopping me from obtaining credit. I know your company receives public record information from the third party XXXX XXXX. The XXXX XXXX is inaccurate and incomplete. I am asking for this verification because my credit score is important to me, and I believe that it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record ( XXXX, TransUnion and XXXX  ). Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. Very Respectfully

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 2020-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have used my wallet with CashApp before with no problem, but for the last two weeks I've got a severe issue. I opened an account with one of my emails, got funds from some of my clients and then tried to withdraw them. The transaction got rejected by my bank on XX/XX/XXXX as I was reported by CashApp. After  this event I haven't been able to recover my {$950.00} dollars. I tried to log in into my account but their platform cancelled my user name all of a sudden and I just lost track of my money. The platform made me open another account with the same email and, therefore, as the user was another one, I lost my money. I contacted the App 's support team, followed their instructions to link those two users into the last one created to recover my money, but on XX/XX/XXXX I just received a message from them telling me that after following their instructions and even asking for a Card from them, they blocked me and told me that they were not able to merge both users and that this decision was definite. Now they tell me that they can reverse the payments to my clients ( people that I don't know and which already have received their products ) so that I can ask them to send them back to me to my new account. As you can read this makes no sense at all. The support team has confused me, made follow futile steps and misinformed me, and I haven't been able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have contact XXXX, XXXX  and Experian and have notified them of the hard inquiries on my report that I am not familiar with and no action has been taken.

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 2020-08-12 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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