vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: PA

Complaint narrative:
I received in the mail a letter where I've been told to show up for a court hearing about a debt that I knew I had, and have already set up payments with another company called : XXXX. This court docket does not tell me anything except the company they are representing and how much money I supposedly owe, which I can't even verify this amount as correct. Then I tried to call them and they wanted my credit card number and when i said XXXX dollars over the phone on my credit card was too much and they said okay, how about XXXX dollars and then XXXX dollars a month. I still don't know officially who I am talking to. He hung up on me. Then I tried to call Crown management and she gave me the same number to call that I had just talked to. Supposedly XXXXXXXX XXXX  XXXX, XXXX I looked up the XXXX name online, she apparently does exist. But this is very creepy and I don't know if it is legate and why is this all I received was a letter taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2020 my Bank of America Edd card was frozen since EDD had to verify my identity. I completed all the documents and on XX/XX/2020 EDD confirmed my Identity and I was able to certify again and continued receiving benefits which they were sending me checks since my debit card remained frozen. I started calling Bank of America and they told me I just had to wait for EDD to send them an email and ask to unfreeze my account. Ive called hundreds of times and I get told the exact same thing, either that EDD hasnt send them a release form for my card and that I need to contact EDD or to keep waiting. Ive contacted EDD and they said everything is good on their end and theres nothing else they can do. Just a run around pretty much. They both blame each other and nothing has gotten resolved. My card had funds and I cant access them since my debit card is frozen. I had to pay taxes on money I dont even have!

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 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase calls me and hangs up frequently. The Chase app directed me to call about settlement. I did. They made no offer to waive late fees. Some of fees were charged on payments that were 1 ( one ) day late. When I became unemployed and told them that was all the income I had they want to put the entire amount on a payment plan while not negating any interest or fees. Trying to work it out with them doesnt help when they are not communicative and continue to charge fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I discussed with Bank of America via phone call, the ways that I might manage my credit card debt including reducing my amount owed, the possibility of declaring, cashing in a retirement account to cover the amounts owed. 
There are three credit cards in question ( accounts ending in ) : XXXX, XXXX Several days after I had the conversation ( as described above ) with a representative from Bank of America, the three cards in question were declined when attempting a purchase/transaction. I had no knowledge as to why they were all three declined. Four days later, I received three letters ( see attached ) telling me that Bank of America was notified that I intended to declare bankruptcy, consequently the three credit card accounts were closed. All three accounts had remaining credit and none were delinquent.

My discussion with the bank representative included the fact that I had considered bankruptcy, but it was not definitive. BOA has nothing in writing regarding the possibility, let alone intent, to declare bankruptcy, yet they cancelled three credit card accounts. The closed accounts will effect my credit score and forced an extensive process of closing automatically paid accounts related to those three credit accounts.

I do not believe that a conversation about the possibility of filing bankruptcy is sufficient grounds on which to close three credit accounts without warning.

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 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
this debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: NY

Complaint narrative:
I've sent requests of proof of this debt, contract information of who open account with no response. They have no contract or proof, XXXX XXXX has been adding payments on this account as well, false reporting of account activity. 

XXXX XXXX Date open : XX/XX/2014 Amount : {$15000.00} Past due : {$13000.00}

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 2021-03-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are recepients of a PPP 1st Loan. We are unable to access the loan documents and are being denied a 2nd PPP Loan based upon the Lender 's Bank of America 's inability to correct their software .... We have an online account as a Paycheck Protection Program Loan - XXXX ... We have been on the phone and online since XX/XX/XXXX. 
1. XX/XX/XXXX - Telephone Call for ( 2 ) Hours with ( 2 ) Customer Service Reps 2. XX/XX/XXXX - Online to PPP BofA Account - Popup said " You have no loan connected with this account '' however, when you used the tool bar and clicked Accounts the Loan Appeared {$37.00}, XXXX XXXX. XX/XX/XXXX - Another Online attempt using the link email to our office, and were again unable to proceed.

4. XXXX, XXXX, XXXX - Again went online to XXXX XXXX where the original loan docs were submitted and received a notice that this was no longer supporting BofA Docs.?? 
4. XX/XX/XXXX - Now the Loan Applications are expiring and Bank of America still has not responded or corrected their software to accomodate submission of loan applications. 
4. Several calls to Bank of America the number provided online XXXX with no calls back or results. 

This lack of support and software for this PPP Product by Bank of America is criminal. 
We now have to figure out how to keep going after being discriminated against by Bank of America

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 2021-03-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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:
your recent claim that closed auto loans for XXXX XXXXXXXX XXXX account # xxxxxXXXX, which you claim I owe {$13000.00} and XXXX XXXXXXXX XXXX closed auto loan account # xxxxxXXXX which you claim I owe {$0.00} has verified that the account they are reporting under my name is accurate. You continue to remove and add back and this is false information. I am keep documented communication from phone and letters. I continue to submit the documents of police report and affidavit. I sent certified USPS mail tracking 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
Consumer complaint received 2021-03-15 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: Block, Inc.
State: AL

Complaint narrative:
I became a customer of Cashapp in XXXX. The debit card info that I entered to do transactions is tied to only one of my XXXX XXXX accounts. I have a total of 3 XXXX XXXX accounts. Upon initiating my first transaction to send fund out, a message popped up that said : " select the account to want to use ''. I was shocked that it said that because the debit card is tied to only one of my accounts. They ( Cashapp ) had access to all three of my accounts and showed the balance in each account. How did they get access to my other accounts and how would they even know that I had other accounts when the debit card is connected to only one account? I needed to get the transaction done, so I selected the account that I wanted to use. After doing that, I called XXXX XXXX and verified that the debit card I used with Cashapp is tied to only one of my accounts. Then I started asking Cashapp how were they able to know about my other accounts, when my debit card is connected to only one account. Cashapp started sending me generic responses. A few days passed, so I called XXXX XXXX again and they confirmed that my debit card is tied to only one account. I explained to them what happened and told them that there must be some type of security breach for Cashapp to access all of my accounts. XXXX representative said they will check into it, but I haven't heard anything back from them. Again, I contacted Cashapp with the same question. They have replied to me several times but with only generic responses, as if I am communicating with robots. I advised them that I was going to file a complaint because I did not give them any authority to access my other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: FL

Complaint narrative:
OnXX/XX/2021 i sent a dispute letter To FEDLOAN to verify the late payments on my credit report. Till this day, its been over 30 days and you failed to respond. Those late payments are unverified, please remove the late payments and update to pay as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor CREDITNINJA. I never opened an account with CREDITNINJA or apply for a loan.

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 2021-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am getting constant and repeated missed calls to my phone. in XX/XX/2021 I recieved 24 calls from this company around the XXXX o'clock XXXX hour. On XX/XX/2021 I recieved 9 calls around the XXXX hour. on XX/XX/2021I received 26 calls around the XXXX XXXX  hour, and 3 more around the XXXX hour. these calls came in and immediately dissconnected then recalled resulting in a stack of missed calls.

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 2021-03-15 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: WA

Complaint narrative:
I have disputed a few accounts with Experian. And the latest dispute, I sent them a letter with the following : This letter IS a formal procedural request for the method ( s ) used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation. They did not provide the requested documentation as required.

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 2021-03-15 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: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
On XX/XX/XXXX, I received a letter from the law firm of Love, Beal, and Nixon, P.C. stating that I owe XXXX XXXX XXXX XXXX with the original creditor being XXXX XXXX, XXXX. The letter stated that I owe XXXX XXXX XXXX XXXX {$7600.00}, which is no longer valid. I listed this debt on my Chapter XXXX Bankruptcy on XX/XX/XXXX, and my Chapter XXXX Bankruptcy was discharged on XX/XX/XXXX. I responded with a letter stating that this debt is no longer valid due to Chapter XXXX Bankruptcy and to contact my attorney XXXX XXXX. I received another on XX/XX/XXXX from Love, Beal, Nixon, P.C. stating the debt is valid and still trying to collect money for the debt. I called Love, Beal, Nixon, P.C. to tell them to stop contacting me. I spoke with a male account manager who was very rude and would over talk me. He kept stating that debt was valid because it is a student loan. I explained to him that it was a credit-based private student loan and NOT a federal student loan. The account manager said that he would contact my attorney. I feel like this debt collector is trying to take advantage of me and violating the Fair Credit Reporting Act. The credit-based private student loan even shows discharged from Chapter XXXX Bankruptcy on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I received a lawsuit notice from XXXX XXXX about a debt to XXXX XXXX  XXXX, i had no dealing with this company so I requested proof of ownership of dept. to figure out what it was it turns out i was a victim of identity theft and there was a dept open under my name with XXXX XXXX  XXXX. After I requested the information about a month later i received a letter stating that i was no longer being sued. Since than things died down and I though it was over now come another lawsuit for the same debt i requested information multiple times certified mail and all and they refuse to provide me with any information they just keep pushing a lawsuit. I don't know what I should do i have court soon but these guys are refusing to provide me with any information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15 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: TX

Complaint narrative:
OnXX/XX/XXXX I submitted a credit information dispute with XXXX, XXXX, and TransUnion. In this dispute all 3 credit bureaus have a Bankruptcy listed on my credit report that is inaccurate. 
1.XXXX has the bankruptcy listed as Case # XXXX with a Court # XXXX 2.TransUnion has the Bankruptcy listed as Case # XXXX 3.XXXX has the Bankruptcy listed as Case # XXXX with a Court # XXXX As you can see from the Bankrupcy Court Official Document Sheet the Official case Number is XXXX. 
1.XXXX has the Case # lasted and it's incomplete and as you can see from the Official Court Document Sheet there is no Court # listed 2.TransUnion has the Case # listed and it's incomplete as they are missing the letters that are to follow the Case # as you can see from the Official Court Document Sheet 3.XXXX has the Case # listed and the Case # in incorrect and as you can see from the Official Court Document Sheet. Also there is Court # listed on the Official Document Court Sheet

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 2021-03-15 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: Avant Holding Company, Inc.
State: MI

Complaint narrative:
I settled this account in XX/XX/2018 and on my XXXX and XXXX credit reports, this account is showing an open balance of {$1900.00}. I have the settlement letter and my bank statement showing that I paid it. I am trying to get a home loan and this is preventing me as it is showing as open and past due.

Company response to consumer: Closed with explanation