vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America Denied to open an account, I was discriminated against, I don't care if you have had accounts closed, do not decline someone to open a checking or savings account, banking practices, are wrong, seems like they only care about XXXX credit, stop discriminating against people with bad credit or closed accounts, these practices need to stop

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 2021-09-03 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: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is Noncompliant according to the XXXX XXXX Compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey hope all is well. I was looking through my credit report and noticed some negative accounts that were never AUTHORIZED/OPENED. I never gave these companies my personal information OR the authority to obtain my personal information on their own, they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me. I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts does not belong to me. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account in 180 days for no reason. I can't withdraw my XXXX XXXX  to my bank account. It's been 3 month since I reported this issue here but there is no help or action from the company. 
They send me an email that they removed my account limitation but still i can't withdraw my money. 
Please help me. I need my money back. I badly need it. I hope that it will resolve. 
My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello - We are trying to refinance our home. During this process we found out from the refinancing mortgage company that we had two " abstract judgment liens '' on our home that were with FIA Card Services, N.A. 

The processor from the refi mortgage company contacted the attorneys shown on the judgments, but they are no longer managing our accounts. They advised that XXXX  XXXX XXXX took over FIA Card Services accounts. In calling XXXX XXXX XXXX, the refi mortgage company was told that they did not have any information pertaining to us, and that XXXX XXXX XXXX also took over some of FIA accounts. 

In checking with XXXX, we found out that XXXX XXXX XXXX went bankrupt and some of their accounts went to XXXX XXXX. 

On XX/XX/XXXX the refi mortgage company called XXXX and was told they needed a faxed authorization from us, stating that they could speak with the processor concerning our account. We followed their process, faxed over the authorization and was told to call back in 48 hours. Processor called back on XX/XX/XXXX ( giving them 72 hours ), and was told that our authorization was not found. We then were told to re-fax the authorization form, it was faxed AND e-mailed. We then followed up and were being told yet again, that they did not receive neither the fax nor the e-mail. 

I later contacted FDIC, who suggested we contact you all or the CA Secretary of State. Much time has elapsed and here we are with much frustration, again trying to tackle this situation, 11 months later. We still do not know if XXXX has any information on either of our accounts. 

Please note below info for both law offices : XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$10000.00} XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX, XXXX. # XXXX XXXX XXXX XXXX XXXX, A Professional Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Case # XXXX Entered : XX/XX/XXXX ( issued : XX/XX/XXXX ) Amount : {$8700.00} We are stressed and need some guidance on how to proceed forward with this lien situation. Companies are no longer in existence, no one has any record of us owing this debt. Please advise ... 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 non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: FC HoldCo LLC
State: AL

Complaint narrative:
I recently refinance my XXXX XXXX XXXX with another lender. My old lender Flagship Credit Acceptance has refuse to show on my credit report that the car is paid off and the loan clear. They told me it will not show until the first on the next month. I refinance the vehicle around XX/XX/XXXX. My new lender sent them the check for the remaining balance on the car. In most cases XX/XX/XXXX being the next month and my credit report should of reflected that the loan had been paid in full. They said it would not show up until XXXX which is currently showing up as 2 debts on my credit report and causing my score to be negatively affected. They need to adjust my report for the correct pay off debt amount so it will reflect a better rating on my report. This amount should show paid in full.

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 2021-09-03 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: CA

Complaint narrative:
My Credit has been pulled fraudulently. Please remove inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio services calls me everyday. From multiple different numbers. They call my place of unemployment. They call my parents and threaten them and use foul language. They have tried to serve me papers but I wasnt home. I have told them to stop and they just get worse. They are known for this type of behavior and its well documented all online.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Ive sent letters to National Credit Adjusters and XXXX XXXX XXXX ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at NCA and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have sent two affidavits DEMANDING that they Verify the debt that I allegedly owe them. They CLAIMED they did but it wasn't done properly Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via an affidavit of fact under penalty of perjury ; I DO NOT CONSENT TO ANY AUTOMATED RESPONSE OR E-OSCAR VERIFICATION METHOD.

and if they can't, they must CLOSE the account and IMMEDIATE REMOVAL OF THE NEGATIVE REMARKS they've made against me on my credit report pursuant to THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i.

Unauthorized Use Pursuant to 15 U.S. CODE 1602 ( p )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: CA

Complaint narrative:
On XX/XX/2020 I settled account # XXXX with Bank of America/ XXXX . I recently reviewed my credit report and I have noticed that Bank of America is still reporting my account inaccurately. XXXX  is still reporting this account as " Derogatory '' instead of " paid. '' They have continued to report inaccurate reporting to XXXX  and XXXX  after I have written the credit bureaus to update. I have attached my receipt of payment and wish for Bank of America to correct/update my credit reporting across all 3 major credit bureaus. Because of this account I have been categorized in subprime level and wish to have this resolved immediately. 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 2021-09-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Ive sent letters to XXXX XXXX XXXX and Credence Resource Management ( XX/XX/XXXX, XXXX + XXXX of XXXX ) asking them for proof of original contracts with my signatures showing where I agreed that I was liable for the debt they are attempting to collect. To no avail, I spoke with representatives from both agencies XXXX XXXX at XXXX and several reps with American names to avoid any personal legal action against them but it is clear these individuals are from XXXX, names like XXXX XXXX, XXXX XXXX, and XXXX XXXX at XXXX on XX/XX/XXXX regarding debts I was informed I owed and after sending out letters on the same day XX/XX/XXXX - same day of phone call, again I was met with a copy of a bill and balance from both agencies ( two different creditors one being XXXX XXXX XXXX XXXX XXXX  Credit Card - {$470.00} and the other XXXX - {$630.00} ) but no documents, paperwork, or contracts with my signatures or proof showing where I am legally responsible for the debt owed or proof that it is in fact my debt. Ive also sent letters to XXXX, XXXX, and XXXX  asking them remove this incorrect, inaccurate information but they are still reporting this information. I filed a complaint with the FTC to report these accounts that dont belong to me XX/XX/XXXX and still this negative information is reporting and is preventing me from securing new lines of credit, employment and housing opportunities. I really am trying to avoid a legal suit but feel like this may be my only recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03 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: CT

Complaint narrative:
My rights have been violated under the FCRA by TransUnion. TransUnion is refusing to follow fcra guidelines for handling my disputes fraud use on my consumer file. I first contacted XXXX  XXXX when I received inquiry on my credit file XX/XX/XXXX. XXXX XXXX immediately closed account after confirming as fraud. I began first dispute with TransUnion XX/XX/XXXX instead of verifying and removing fraud account transunion kept invalid info on my credit file as accurate. I opened dispute with TransUnion on XXXXwith letter from XXXX  XXXX as fraud, TransUnion continues to allow invalid information to remain on credit file as accurate as of XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
about 7 months ago my checking acct ending in XXXX at bmo harris bank in XXXX  XXXX, illinois XXXX received {$1000.00}. from somewhere. i tried to find out who had sent the funds but could not. over the next few months I spent the {$1000.00}. in about XX/XX/2021 my bank received a federal complaint that some lady sent the {$1000.00} to my acct by error, the harris bank agents arbitrarily froze all my accounts I had with them. This freezing of my accts at bm harris caused substantial numbers of my checks to bounce etc. resulting in substantial penalty fees such as returned check fees, overdraft fees etc, I am still paying for those arbitrarly frozen accts and their returned check fees etc. the m harris bank also arbitrarily withdrew the supposed {$1000.00} from my acct as well w/o consulting me or even investigating whether this {$1000.00} was actually sent to my acct in error or possibly simply to cause me financial problems such as overdraft fees etc i am a senior citizen, XXXX yrs old. and on a limited fixed income.also, i had to take early retirement from my teaching job due o an accident possibly a " hit '' because I called the illinois child abuse hot line .i believe I was unnecessarily charged substantial returned check fees etc amounting to about {$2000.00} per acct at bmo harris bnk . will you please help me recover those fees resulting from bmo harris employees arbitrarily freezing my accts causing substantial extra returned check fees etc and returning the {$1000.00} taken from my acct w/o asking me or properly investigating who this lady was, her motivations etc.. e

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 2021-09-03 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX which represented American Honda Financial services, agreed that if I paid {$830.00} that it will update my credit report account status from " Derogatory '' to " Paid '' for acct # XXXX. The name of the rep was XXXX XXXX XXXX and spoke around XXXX for 15 minutes on a recorded conversation and have made the payment on that day. Today, I have recently reviewed my credit report and American Honda Financial s still reporting inaccurate information with reports of " Charged-Off '' - XX/XX/XXXX. XXXX  XXXX is still reporting account status " Derogatory '' instead of " Paid. '' After all attempts to communicate and file other reports they have repeatedly ignored my request to correct reporting information. This inaccurate reporting has put my credit in subprime category. I have settled this account as " Paid as agreed '' on my end and American Honda Financial has failed to honor their part. I feel I have wasted alot time through hours of phone conversations, mislead, and taken advantage of. I am seeking legal guidance on what is best action of approach. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal Scam my funds {$800.00} Did not return to my account they stealing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: MECHANICS BANK
State: IL

Complaint narrative:
I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted the company to pick up the car since the start of car buying overcharged XXXX per month in interest also credit bureau payoff and principal balance are all three different amounts. Payoff is a markup of {$300.00} from principal balance owed. XXXX has offer a fair selling price offer included in this complaint. I have had the car for two Years only paid {$2000.00} in principal. Not sensitive to the pandemic

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 2021-09-03 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: Nationwide Recovery Systems, Ltd
State: NC

Complaint narrative:
Nationwide recovery is stating on my credit report with XXXX  that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with XXXX  for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both Nationwide recovery for re-aging practices and XXXX  for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  recovery is stating on my credit report with transunion that I have an account opened with them on XX/XX/2021. It is a hospital bill. I have not been to ANY hospital for any reason in the last 2 and a half years, I have tried disputing with transunion for the SOLE purpose of getting this illegal re-aging fixed to the correct date of delenquency and they refuse to correct it. 

From my understanding reporting newer dates than are accurate are illegal and allows them to latch onto my credit report for longer which is the tactic they are using. I would like and investigation into both XXXX recovery for re-aging practices and Transunion for not correcting them. There is absolutely no way they can provide documents with my signature or e signature dated with the dates that they give, unless they are also committing forgery.

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