vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 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: NJ

Complaint narrative:
I am a victim of a job scam, on XX/XX/XXXX as an employee under the person I was told to deposit {$9000.00} to my personal account from a beneficiary account. The employer gave me all the information to add the external account. Bank of America has a verification system for external accounts so I thought this was secure. I was to used the funds to buy bitcoin which I was able to do with {$8000.00} but not the {$1000.00}. The bank said they decided to close my account without any details. At this point I realized I was in a job scam and cut contact from the employer. I reported it to the FBI and called Bank of America in helping the resolution. Later in the year I was told that I would need to pay back the {$8000.00} myself so I filed a claim to dispute the charge. The charge was not lifted due to the fact that I used my card and that their records show a receipt of transaction. But it is still fraud, I faxed 50 pages of evidence with different interactions between me and the scammer and still they stayed with their decision. They clearly don't care about the principal of fraud and more so that it was XXXX being owed. Not their money not their problem so instead of doing a proper investigation they have punished me.

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 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was denied approval for a rental agreement because of miss-information present on my TransUnion credit report regarding all my student loans with XXXX. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through XXXX  " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was sent a Visa Bank of America - Alaska Mileage Plan Credit card without applying for one - the letter was dated XX/XX/2022 with an enclosed credit score from XXXX dated XX/XX/2022. Which required me to activate the card which I have not done. 
On {$75.00} of which I needed to pay half by XXXX 2022 I recieved a statement from Bank of America XXXX Alaska Mileage Plan that my fee for XX/XX/XXXX through XX/XX/XXXX was {$75.00} of which I had to pay half by XX/XX/2022 or I will be charged a 29.99 % late fee. 

I have not applied for this card - I have not activated the card The mailing address for the fee is Bank of America XXXX XXXX XXXX XXXX De XXXX and the phone number for more info is 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 2022-11-09 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: CA

Complaint narrative:
On XX/XX/2022, I reported the numerous fraud charges on my business credit card. On XX/XX/2022, I filed a fraud police report with the XXXX XXXX Police Department ( XXXX ). A copy of the police report attached hereto. On XX/XX/2022, I recieved a Bank of America ( BofA ) letter dated XX/XX/2022, confirming that the charges on my credit card were indeed fraudulent charges. I have continued to recieved fraud charges on my credit card that were reported to BofA and the XXXX. These fraud charges are the carry over that BofA failed to count as fraud charges. I have called BofA on numerous occasions to advise BofA that the left over fraud charges and finance charges of {$480.00} are part of the fraud. BofA has refused to call me or communicate as they are trying to have me pay for fraud charges they have confirmed are not mine. Attached hereto are letters and affidavits indicating charges are fraud. I am being threatened with a charge off and damaging my credit report due to the fraud charges,

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 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I've made 8 attempts over a 2-month period to get my Equifax Credit Report XXXX 
I've been on hold Many times, only to be told that my " issue will elevated. '' Every time I attempt to log in, I am prompted with a pop-up message telling me to call the toll-free number. 
Every time I call back, Equifax " elevates my issue ''. After my issue is elevated, I am sent an email response ( about a day later ) from XXXX, stating my " Issue has been resolved. Please log in. '' I am still UNABLE to log in and view my Credit Report! 
Every time I call customer service, I am told the exact same things over & over again : " Have you tried logging in WITHOUT using a VPN?/ Have you tried logging in through XXXX?/ Have you tried logging in through XXXX?/ Have you tried Re-Setting you password?/ Have you tried logging in through your Desktop?/ Have you tried logging in through your phone?/ Try a different Email ... '' I've hit a BRICK WALL with EQUIFAX. There is NOBODY else to speak with and NO EMAIL ADDRESS to voice my Concern/Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: State Collection Service, Inc.
State: WA

Complaint narrative:
For the past month, I've been receiving call from state collection service inc. 

This is their address : XXXX XXXX XXXX XXXXXXXX, XXXX The phone call i received from them is at all hours, morning as early as XXXX XXXX, night as late as XXXX XXXX. They said that I owed them a medical debt of $ XXXX. I requested the representative send me a copy of the debt along with the copy of my ID that shows the name, address, date and time of the copy of the debt that they said belonged to me. 

The associate i spoke with by the name of XXXX XXXX, told me that they are not going to comply with my request when I'm the person that they try to collect the $ XXXX debt from, explained to him that it is my right to request this information that state collection service have on me. That's when he started threatening me by saying that state collection is a powerful collection agency that have connection with the law enforcement and will use the law enforcement not only to destroy my credit history and my life, but also the lifes of people around me, which is my wife, XXXX of my kids, friends, families, relatives etc. The state collection agency associate also threatened me by claiming that state collection agency will put me in jail without any chance of parole if i didn't pay up the $ XXXX that they claimed i owed them and slammed the phone on me. 

After that conversation that's when the call started coming in at different time through out the day and night, spoke to a friend of mine from church who is an attorney, he told me that state collection service inc doesn't have anything on me since they are not able to provide the information that I requested, he also told me to ask state collection to call his office if they called the next time. 

I followed his advise and told the next person that i spoke with by the name of XXXX XXXX to call my attorney and provide my attorney with the proof that i owed them $ XXXX in medical debt they said that incurred in Wisconsin which doesn't make sense as i have never lived in Wisconsin XXXX give XXXX ' my attorney address too, she said that state collection agency will use their contact with the government to go after me and my attorney and make sure that my attorney and me will never see the light of the day per se. 

It's been a week now they still keep calling me night and day on the daily basis to harass and threaten me. So far neither me nor my attorney have received any official documentation from State collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: FL

Complaint narrative:
I have attempted to have a credit card which I paid off in full on XX/XX/XXXX, XXXX XXXXXXXX XXXX. I have called and submitted a dispute online with Experian because the account is listed as included in a bankruptcy however that information is incorrect. The XXXX XXXX Account was paid in full and closed at my request in XX/XX/XXXX not included in a Bankruptcy in XXXX. 

I have submitted a dispute on this matter online through the Experian website on the following dates and uploaded my last credit card statement on the following dates listed below and the matter has not yet been resolved it comes back as already verified. 


Experian XXXX XX/XX/XXXX XX/XX/XXXX ( not resolved ) XX/XX/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 2022-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Agent with company has come to home several times to collect money, she also sent a text saying a letter will be sent to my address today with the items they will be picking up. She stated either the company will pick up items or the Sheriff. I explained that I would give her some money but it wouldn't be the full amount because my mother had XXXX and I had to help her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
XXXX XXXX XXXX was contacted by XXXX XXXX finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXX of XXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( rausch and Strum ) I was told that all the agents available had no information on the debt only that it was representing XXXX and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over 6 years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.

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 2022-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is reporting inaccurate and outdated information on my credit report that are tied to fraudulent accounts. 

These are NOT my names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are NOT my addresses : XXXX XXXX XXXX XXXX XXXX, GEORGIA 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 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: World Acceptance Corporation
State: OR

Complaint narrative:
World Finance Corporation issued {$1900.00}. using my social security number to pay someone a loan. They are reporting this uncollected balance on my credit report while it isn't my account. I only found this error when I noticed my credit score declining. World Finance Company hasn't reached out to me, and allowed someone to use my credit very very loosely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MD

Complaint narrative:
Hello I received a text message from CENTRAL PORTFOLIO CONTROL INC stating that they have a matter in their office. I logged onto the website as stated and it lists a XXXX  account that is past due and in collections that I have no recollection of. Also, my address is incorrect as listed. I emailed the company at XXXX and asked that they provide proof of the debt and proof of my acknowledgment to them having this debt and their right to collect. I received an email back from XXXX XXXX saying that I needed to call the office to better handle this matter. I emailed him back and said I was weary of scams and that I would not be calling the office. He could please just provide me with the information I requested to the address on file they have. He that wrote back and stated " XXXX XXXX, I understand your concern with scams going on, unfortunately in my industry I am required to complete a verification process before I can disclose any information or provide anything in writing to you. That is why I asked you to call me. 



If you want to provide your current mailing address, and either the last 4 of your social or Date of Birth than I can proceed. '' I informed him again that I would not be providing that information as they should already have it on file and I was within my rights to request a debt validation letter be sent to the address they have. If the debt is indeed valid then they should have all of that information and it can be sent to me within the 5 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive been trying to open an account with Capital One for quite some time but they claim I already have an account which is false and no representative can fix this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: EdFinancial Services
State: PA

Complaint narrative:
I was denied approval for a rental agreement because of miss-information present on my XXXX credit report regarding all my student loans with EdFinancial. 

It is stating " Payment Deferred, Collateral : Deferred to XXXX '', showing on 8 different Student Loans managed through EdFinancial " Opening Dates : Balance '' : XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$5500.00} XX/XX/XXXX : {$4500.00} XX/XX/XXXX : {$4000.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00} XX/XX/XXXX : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I closed on my home with Pentagon Federal Credit Union ( PenFed ) on XX/XX/XXXX. In XX/XX/XXXX I was notified that my mortgage payment would increase monthly from {$2600.00} to {$4100.00} a difference of {$1500.00}. The increase in payment is due to Penfed assessing my taxes based on the land value of my home in XXXX ( XXXX ) not the sale price of {$560000.00} nor the appraisal value of $ XXXX. Per the documents my Escrow account XXXX payment was {$380.00}. The new assessment for the escrow ( ONLY ) is {$890.00} ( taxes-insurace-pmi ), difference of {$510.00} based on county assessment of my home @ {$570000.00}. Per the Annual Escrow Account Disclosure Statement the breakdown is {$510.00} PLUS shortage of $ XXXX {$1500.00}. 

My point of contention is specific to the additional {$1000.00} a month ( {$12000.00} for a yr ) Escrow shortage they are asking me to recoup. I would like for PenFed to forgive this amount as they incorrectly assessed the taxes on my home prior to the date of closing. In 18months I was never notified of any error or inconsistencies. This amount of money is financially impossible for me to pay ( {$4100.00} a month ). My closing disclosure, nor in my communications with Loan Processor/Title company ever disclosed this amount of monthly payment was ever in consideration. To date Penfed has acknowledged their mistake however have not offered financial responsibility for a mistake I had no way of foreseeing.

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 2022-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Traveled to XXXX XXXX XXXX in XXXX, XXXX and was approached by a gentleman selling liquor. I was interested in purchasing some liquor to bring back home to Texas. When it was time to charge my credit card I was verbally told the amount would be XXXX XXXXXXXX XXXX. The cashier tried swiping my credit card multiple times and I was told the card was being rejected. Something felt off about the situation as I am usually alerted by my bank if any fraud charges are being attempted but this time I was not called or sent a text message by my bank. Not sure if it was because I was out of the country or not but it did not sit well with me. As I was going to decline purchasing, a man from the store ran around the corner of the block and brought another terminal to swipe my card. The charge went through and I signed off on the receipt to take the liquor I purchased. The actual charge was not what I was told, instead it was XXXX XXXXXXXX XXXX. I tried to dispute this fraudulent charge scenario with my bank but they did not issue my money back. The customer is clearly taking advantage of people by psychologically tricking them to " ignore '' the actual amount when it is time to sign off on the receipt of the purchase. This is not acceptable and I should be reimbursed my money.

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I need to know who to speak to about an old Citi account I opened a while ago and if I owe anything on it I would like to build a relationship back with this bank

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 2022-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Id like to know if I owe anything to this bank so I can begin building a positive relationship and possibly opening a new 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 explanation
Consumer complaint received 2022-11-09 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 — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
XXXX has failed to remove this unfamiliar account from my report. I contacted XXXX and Ally Financial multiple times and ask them to send me the original document that I agreed to do business with this company ALLY Financial. Attached is the responds I keep getting in return from XXXX. They are just responding the account is verified but is not letting me know how the account was verified with no proof breaking my consumer law. After contacting XXXX and XXXX they understood and deleted this strange account. However, XXXX has yet to comply. Please delete Ally Finanical from my XXXX report Account number 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