vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Due to fraud at the end of XXXX, my account ending in XXXX was frozen per bank and a new checking account was opened ending in XXXX. I had set up bill pay from the frozen account and they kept trying to pay a loan out of this account. All of the checks and EFTs were returned by the lender for NSF, but one. The lender claims they do not have this money. When I checked the supposedly " frozen '' account this am it was unfrozen with a negative balance of the disputed amount. 

I have spent over 30 hours on the phone with this bank and also the lending bank, as well as three in-person interviews with a branch manager, to no avail. 

I am expecting a refund check from the IRS which will be deposited to this account. ( My taxes were filed before the fraud attempt ) That will result in my check being shorted by the disputed amount. Bank of America did not have my permission to make any of these changes, The lender ( XXXX XXXX XXXX XXXX ) does not have the payment, and I am unable to resolve this on my own. 

I am an XXXX XXXX XXXX woman living on social security, and this bank is stressing me beyond my ability to tolerate it. Please help.

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 2022-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio calls every day from different numbers. They refuse to provide accurate information regarding the debt and insist I make payments. They refused a settlement amount which has resulted in me having to seek medical care for the harassment. This company harasses consumers and makes it impossible to come to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove item from credit reports

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 2022-06-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have not received my XXXX title from Regions Bank. 
XXXX Paid of XXXX XXXX XXXX XXXX Called Regions XXXX number- was told title was released XXXX. If I did not receive by XXXX to call back. 
XXXX Called XXXX Regions XXXX number- was told it didnt show a mailed date. If not received by XXXX to call back. 
XXXX Received a copy of loan agreement. 
XXXX Called Regions XXXX number- was told title was sent. 
XXXX Went to Regions office in XXXX XXXX spoke with XXXX XXXX XXXX She release the lien, the computer did not show it released. XXXX told me I would have the title the next week. 
XXXX Received the release of lien in the mail with a letter stating I can go get a duplicate title. 
XXXX Called XXXX. She said the title would be mailed shortly after the release of lien. 
XXXX Called XXXX. She said she would check on title. I told her to get it and I would come by Regions and pick it up. 
XXXX Left message for XXXX to call me. 
XXXX Left message for XXXX to call me. 
XXXX Talked with XXXX. She is checking to see why Regions says the title was released XXXX yet she released it on XXXX. I told her I didnt want to have to pay for a title when I never got the first one. She said she would speak with her branch manager. 

Each time I spoke with someone from Regions they verified my address.

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 2022-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
Receivables performance has reported a collection on my credit bureaus. This was never communicated with me via mail, email or phone. I have never paid anything to this com company. However the final bill was already paid to the consumer XXXX XXXX also known as XXXX XXXX XXXXXXXX XXXX has requested for the trademark to be deleted from all three credit bureaus because it was never sent to me. I have disputed this with receivables performance multiple times and they continue to verify the debt. I have contacted them multiple times and they failed to respond appropriately.

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 2022-06-08 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: NY

Complaint narrative:
Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On my credit report there is a fraudulent account on my report for a LEASE from a company called ACIMA FKA opened in XXXX for XXXX XX/XX/2017 to be exact I reported it as fraud to the company themselves and to XXXX credit bureau a year ago when I discovered it I am told I must make a complaint so that they can investigate and remove it Or make a police report Acima phone number is XXXX Please help me get this fraud off of my credit report ACIMA will not even tell me what property was leased using my name and SS # although I can prove I have lived here for 7 years and did not lease any property in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
1. Ford Motor Credit Company closed the auto loan in XX/XX/XXXX without notifying me in writing per the loan agreement. 
2. Ford Motor Credit Company tried to repossess the vehicle in XX/XX/XXXX without providing the 10 day notice in writing per the law requirement. 
3. Ford Motor Credit added {$12000.00} in interest after the company closed the loan and marked charged off. No additional fees or interest can be added afterwards. 
4. Ford Motor Credit refuses to provide reasonable accommodations to make monthly payments, re-open the loan or allow for refinancing with another financial institution.

5. Ford Motor Credit reported falsely on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NC

Complaint narrative:
On XX/XX/2022 it was reported to XXXX XXXX that an account from XXXX XXXX XXXX XXXX XXXX was opened in my name for XXXX dollar line of credit, of which half of it has been used, lowering my credit score by XXXX and who knows what else. 

I attempted to contact the parent company of this program only to run loops through their automated system, in order to dispute this account. 

I DID NOT open this, nor authorize it being opened. I am not responsible for this

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 2022-06-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been call and writing Serve by AMEX for almost one year about unauthorized charges on my account. They are rude and constantly hang up. The following transactions were unauthorized : XX/XX/2021 - XXXX XXXX {$72.00} XX/XX/2021- XXXX XXXX {$36.00} XX/XX/2021- XXXX XXXX {$35.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX for my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX  attempt in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.

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 2022-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted the agency to ask them to remove my addresses and places of employment off of my credit report. One of my addresses I lived as a child. Someone had used my identity at that residence. Also I explained another issue was, I was victim of XXXX XXXX and was placed in XXXX XXXX XXXXor my protection. I was told by the judge my addresses could not be published without my consent due to my ex-husband having all of my personal information. I also explained in this letter how I had to contact the social security office due to my ex-husband using myself and my son 's social security number to purchase goods, services and obtaining apartments. I have been denied this request. I further explained there are court records to confirm my case and also I had to be moved while in XXXX XXXX due to a XXXX XXXX in my home by my ex-husband. There are many court documents backing up this information. I was told permission would have to be given for my address to be displayed publicly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX  Account # XXXX balance {$1000.00}, XXXX XXXX XXXX Account # XXXX balance {$950.00}, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX balance {$1700.00} has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-06-08 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: NY

Complaint narrative:
Inquiries Of Credit Cards were made to my report without my consent i never applied for those credit cards which they were made on this following dates XXXX XXXX XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I recievied a letter from Bank of America saying that I had suspicious activity on a credit card ending in XXXX, that I do not have or never opened an a account..

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 2022-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have been receiving notices from XXXX XXXX  and TD XXXX XXXX XXXX that I was behind on payments to my account since XXXX or XXXX of XXXX. Knowing that I never opened a card or account with XXXX XXXX XXXX, or TD XXXX XXXX XXXX I was throwing the notices away thinking they were some sort of scam tactic to try to get my personal and/or financial information. On the third notice, I decided to investigate. I accessed my bank 's tools and I was able to access my credit report. My credit score had dipped XXXX points since XXXX! My credit score was very high ( XXXX 's ) and now it's in the XXXX 's! I looked at what accounts I had open, and sure enough, it said I had an account open with XXXX XXXX  since XX/XX/XXXX. It showed as a revolving account of {$76.00} a month and all payments were made up until XX/XX/XXXX! 

On XX/XX/XXXX, I called XXXX XXXX to inquire, but it was a Saturday, so they gave me several numbers to call during the weekday. 
XXXX  Customer Support : XXXXXXXX XXXX XXXX Fraud Department : XXXX XXXX XXXX Federal Trade Commission XXXX I called XXXX Customer support on XX/XX/XXXX to inquire if there was an account open associated with my name, phone number, or any of my email accounts. There was nothing. They suggested I reach out to the XXXX XXXX Fraud Department. 

On XX/XX/XXXX, I called XXXX XXXX Fraud Department and they directed me to go to www.myonlineaccount.net to dispute the account. They also made a note of it on my " account '' so my complaint could be attached to the account. I did so, but have not heard anything back yet. They also suggested I call the Credit Bureau and Federal Trade Commission at the numbers shown above. 

On XX/XX/XXXX I called the FTC and it mentioned a website to enter my information/complaint and because of the nature of the complaint I was directed to submit a complaint with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Every time I dispute this erroneous info I get serious run around from Apple/Goldman Sachs ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, XX/XX/2021; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have notified Experian about the unauthorized inquires on my credit report & they have not been removed. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXXd, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXXXXXX XXXXXXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-06-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
XX/XX/22 Received statement from Lowes Synchrony Ban with a double charge of {$110.00} from XX/XX/22 for the same products. Went to store and the head cashier said one of the invoice numbers one of the invoice numbers did not exist in their system. We filed a dispute with the bank and received a letter from them stating they were investigating the dispute and give them 90 day and no fees or interest would be charged during this period. Called again on XX/XX/22 as we received another statement to pay and again was told to ignore the charge. Received email and texts this past week to pay this charge and they sent me to collections and charged {$29.00} late fee. Called again XX/XX/22 and talked to several people with different stories. was on the phone with them for two hours and the last man, XXXX said there was not a dispute in the system and a new dispute would have to start again even though we had the letter from XXXX. We have never had anything sent to collections and don't know where to begin to resolve this. We have asked for a copy of the invoice showing the second purchase for {$110.00} or documentation of what the bank has been doing after the first letter we received from them on XX/XX/22 and why we were not notified that the dispute had been resolved on XX/XX/22 and they would not give me any information.

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