vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In late XX/XX/XXXX I opened a checking account with Bank of America. I deposited {$100.00} into the account at the time it was opened. On XX/XX/XXXX I received a direct deposit from one of my sources of income, my children 's social security payments. Having the account opened for more than a month I decided to transfer my employment direct deposit into my new Bank of America account. During the pending change with my employer I received my XX/XX/XXXX paycheck by mail, a paper check from my employer. On XX/XX/XXXX I attempted to deposit my paycheck into my Bank of America account via the XXXX XXXX ; however, the XXXX XXXX  advised me that the check would be placed on hold until XX/XX/XXXX. Not wanting to wait that long for my paycheck I decided to go to the local Bank of America branch the next day, XX/XX/XXXX, and speak with someone before depositing my check. I spoke with the teller at the branch on XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, she advised me that if I deposited the check that day that the entire check would be available on XX/XX/XXXX and that they would not release any party of my check until the XXXX. The bank teller even provided me with a bank deposit slip that states my funds of {$1500.00} would be available on XX/XX/XXXX. I confirmed this information by the teller providing me with the deposit slip that clearly states my funds would be available on XX/XX/XXXX. Based off of that information I decided to deposit my check. As of today, XX/XX/XXXX, I still have NO access to my paycheck. I have been told that Bank of America is not going to release my funds until XXXX XXXX on XX/XX/XXXX. Bank of America LIED to me when I was in their bank and took my check based on false information. I have been without ANY of my paycheck for a week and Bank of America refused to release ANY of my paycheck. 
At the time that I decided to deposit my check with Bank of America I had been an account holder for at least 30-45 days, I had money in my account AND I already had one verified source of income being directly deposited into my account. This FRAUD by Bank of America has caused me and XXXX XXXX XXXX XXXX  to endure a financial hardship that only exacerbated our hardship during these trying times due to the pandemic and economy!

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 2023-01-25 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: WA

Complaint narrative:
On XX/XX/2022 I noticed when checking my BOA visa account online that a transaction in the amount of {$15000.00} involving XXXX XXXX XXXX was posted on my account. No one called me to check on such a large charge amount to see if I had made it. I hadnt, it was someone using my card and identity to make this charge. I immediately called Bank of America fraud line to dispute the charge. The charge was removed while they investigated - some three weeks later the charge was reinstated and they told me I had made the charge.

I did NOT make this charge. I have no accounts with XXXX XXXX XXXX I would never make a charge in this amount. also, a charge of this size should have been approved by me. Yet no one from BOA called to verify if it was me making the charge. Subsequent to this, another attempt to illegally use my card happened when the thief tried to use stolen card to purchase an XXXX XXXX through XXXX, luckily XXXX called me and I was able to stop the transaction. 

Bank of America is violating the Fair Credit Billing Act, I reported the illegal activity immediately telling them that this purchase was not authorized and that it was fraud. I understand that I M liable for up to {$50.00} but no more. I want the fraudulent balance wiped off my account except for the {$50.00}. 

My complaint claim no. Is XXXX. 

Thank you for your assistance with this matter. 

Yours truly, 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 monetary relief
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra 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 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
After the last trouble paying these people not much has changed. I contact this company earlier this month, a representative looks up my account accepted a full payment from me and thanked me and gave me a confirmation # .the funds where payed to them from my bank. Now today my account shows the funds have been sent back to my account. This company has no intentions on working with me to pay this dept. They are a terrible run company that is preying on homeowners like myself. Any help with this Company would be appreciated.

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 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I got an alert today about a collection owed to XXXX XXXX XXXX XXXX for XXXX $ it was previously owed by XXXX XXXXc a leasing agency located in XXXX. How is this posible when I live in XXXX XXXX my whole life? Ive never been to Ohio in my life. This has to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, we sent all information to compulinlk XXXX XXXX XXXX XXXX XXXX We need a payout statment.They sent me one with a condolence letter cause my XXXX XXXX XXXX and I notified them. But we did not have a buyer at that time.We are under contract with moms house and they said I can't have any info, because I only have Power of XXXX  and that is no good because XXXX XXXX.Real state did title search there are XXXX XXXX and we signed and had paper signed by lawyer we are all in agreement to sell.We live on XXXX XXXX and wanted to avoid probate.Compulink took over for XXXX in XX/XX/XXXX need help.House is under contract. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Applied for BJs card back in the end of XXXX of XXXX. The rate was supposed to be XXXX or XXXX based on creditworthiness. 
My credit is over 750 so I assumed I was getting the XXXX. 
In XXXX I noticed the difference on my statement and checked the ppwk that I got when applied showing that the interest wasn't even close. Tried contacting them by phone. They stated that that was old rates I told her that they were just updates in XXXX according to the documentation. She told me to email the documents on their website. So I attempted many times it kept kicking me out. I called again about a month later and she replied the site might have been down. XX/XX/XXXX sent email with proff of documents. XX/XX/XXXX they replied that basically to just call customer service, which I did. Spent 1.25 hrs on the phone getting passed back and fourth. Next, I got a letter from XXXX XXXX XXXX  that they are taking over my account. Hope I gave you enough information. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Clarity Services, you are hereby given notice : On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX you were notified that I was requesting certain sources of information found upon my consumer report and within my consumer file. I was contacted by phone after the XXXX complaint to the CFPB and informed that my request must be mailed to your XXXX XXXX XXXX. I mailed that written request by USPS Priority Mail, with tracking, and can verify receipt. Despite complying with your instructions and multiple complaints to the CFPB, you have still not provided the information. Neither have you even come close to addressing the complaints made to the CFPB. Your violations of the FCRA have escalated from negligent to willful since you have been provided notice of this issue multiple times. Further, every response that you have provided to my CFPB complaint has directed me to contact Experian. This complaint does not involve Experian. You are a subsidiary of Experian. The FCRA does not allow Experian to respond to a complaint against Clarity Services unless certain criteria are met, and those criteria do not exist here. Clarity Services published inaccurate information on my consumer report. I requested the identity of the sources of certain identified information from Clarity, not Experian. The Custodian of Records is designated as such for Clarity, not Experian.

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I cashed a check and know they saying it was a fraudulent check. When they verified the check before cashing it

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 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian maintains that a collections account with XXXX XXXX XXXX XXXX was verified as accurate. I demand to know the method of verification used to verify this account pursuant to fcra 611.

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 2023-01-25 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
Gm account went into charge off in XXXX and the account should have been closed that year. instead they closed account on XX/XX/XXXX .and there was no activity on the account for 4 years. all of sudden XXXX Gm reported 30 days late on my credit report for 56 months to present, which is wrong. 
the account in now payed and i have a 1099-c .and GM now change my credit report to 56 charge offs every month .which once again is wrong. 
this account should have been closed in XXXX with the charge off even with account closed and payed GM still uo to XX/XX/XXXX reported on my credit report negetive info. 
Gm account # XXXX. i would like this account cleared up pay and close from XXXX and 55 of teh charge offs removed starting from XXXXXXXX .thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act ( FCRA ), XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX. Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX and XXXX XXXX XXXX XXXX Acct # 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 an account without written instructions.

all the proof of dispute certified receipts are attached as well as the reports showing other reporting violations other than my Privacy. These Creditors and the Reporting Agencies Experian, XXXX XXXX XXXX XXXX have violated my rights pertaining incorrect or incomplete reporting 15 U.S.C. 1681i Paragraph ( 5 )

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 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My money was fraudulently transferred out of my Bank of America unemployment debit card XXXX dollars and Bank of America refuse to pay me back I made police report notarized documents reopened my claim XXXX  times after being denied last time I reopened my claim was XXXX XXXX and still havent heard anything

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 2023-01-26 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I have tried numerous times to dispute monthly charges appearing on my Barclaycard Mastercard that I did not authorize. Barclaycard has refused to assist, and I am therefore filing this complaint. The monthly charges are from XXXX XXXX XXXX and currently total {$1400.00} ( as of the date of this letter ). 

On or about XX/XX/2020 I submitted a dispute for a monthly recurring charge in the amount of $ XXXX {$76.00} per month that I did not authorize. Attached is a summary of those charges, along with the several letters I sent to Barclaycard. In addition, I have spoken to Barclaycard numerous times by phone to discuss the matter and answer any questions they had. My request was/is to stop the recurring charges and reverse the charges that I did not authorize. To this day, the recurring charges continue each month. A few of the charges were reversed, but most have not. I pay my balance in full each month in order to maintain my good credit rating. However, I am still owed {$1400.00} as of this date.

The most recent letter from Barclays states they will not assist me because We are outside of the permitted timeframes to continue this claim through the dispute process. This reason simply makes no sense as I have been pursuing this matter since XX/XX/2020. 

Barclays has been very difficult to communicate with. Each phone call results in speaking to someone new and re-explaining the issue, only to receive a generic letter in return. I have spent countless hours on what I think would have been a simple issue, and Im kindly asking CFPB to assist in resolving this matter with Barclay. Specifically stop the on-going charges that are now {$79.00} per month and issue a credit in the amount of the disputed charges in the amount of {$1400.00}. 

Thank you for reading and hopefully assisting with this frustrating issue.

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 2023-01-26 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: DISCOVER BANK
State: NJ

Complaint narrative:
I spoke with a representative and told them I did not approve an inquiry and withdrew my application. I don't know if I will need to file a lawsuit in reference to this matter. It showed that I had an excellent score of XXXX prior to the inquiry. Now my score has dropped. I take this very seriously. I did not want this company to pull my credit report. I specifically spoke to a representative and told them this information. They said you can contact them to confirm the application has been withdrawn. I withdrew it almost immediately. The credit application ID # is XXXX with XXXX XXXX XXXX. It appears as the following on XXXX 's website/report. XXXX XXXX Address Date of inquiry XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023. Also, I noticed several other duplicate inquiries from the same company multiple times on my report. I never applied for a Discover credit card. So why is this on my report several times? I can have an attorney file a complaint in court if needed. I know what inquiries I authorized, and these are not any of them. DISCOVER FINANCIAL S Address Date of inquiry XXXX XXXX  XXXX XXXX XXXX, IL XXXX XX/XX/2023. There are many other suspicious inquiries on the report which I will also file a lawsuit about/against if needed. This is very suspicious, and they need to remove this false information or possibly go to court about the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
In XX/XX/2023 someone opened up a citizens bank account using my information. Citizens sent me an actual debit card with my name on it than they sent me a letter stating they were unable to verify information provided on a credit application. I have called citizens and informed them and they closed the account. On XX/XX/2023 there was two charges on my XXXX XXXX XXXX credit card ( this is a card I often use ) in the amount of XXXX from XXXX, I contacted XXXX XXXX and they refunded me the amounts and sent me a new card. I am reaching out to you guys in hopes that my credit does not go down or any inquiries on my credit get effected, Im hoping that Ive caught this in time, please let me know what other matters I should take. I have checked in my XXXX XXXX app that there has been nothing else charged or opened but I dont know what else I should be expecting here in the future with this identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
order from XXXX used paypal XXXX said they would issue refund but didnt reached out to paypal who i used to store and send the money to XXXX  only for them to close my dispute saying i never sent supporting info the email address i used to sign was XXXX this is just crazy Info provided by the seller XXXX XX/XX/2022 at XXXX XXXX Tracking info provided by XXXX XXXX Shipped by Other Case ID : XXXX Disputed amount : {$530.00} USD Seller info : XXXX XXXX Shipping address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date reported : XXXX XX/XX/2022 XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XXXX XXXX I was served at home by a process server at my home here in XXXX, FL. The company that is trying to sue me is Resurgent- LVNV Funding LLC they were hired by XXXX XXXX Credit Card . 
That same day I went on XXXX XXXX and XXXX XXXX XXXX XXXX and retrieved the copy of my credit report from all XXXX bureaus. 
In the report on all XXXX bureaus I was alarmed to see the creditor LVNV is shown on my credit report XXXX times for the following amounts. 
{$1400.00}, {$720.00}, {$380.00}, {$1200.00}. 
On XX/XX/XXXX I sent the company a letter of debt validation. 
On XX/XX/XXXX I received a letter back only validating {$720.00} however the amount was not correct as well as the tenure I had on the credit card with them .This debt collector had counsel and there attorney is the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX. 
That was there attorney and it was on the court docket but when I sent them the letter they responded directly to me not with there counsel. Today I had court and they advised me they violated under FCBA because they were suppose to go through the attorney and not them directly when the letter was sent back. I would like to report this company for mis information, wrong amounts owed and accounts that I haver no knowledge of. I need it deleted from my credit report.

Company response to consumer: Closed with non-monetary relief