vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have Bank of America checking and saving account since XXXX. 

1 ) XX/XX/XXXX, I found my bank account shows - {$790000.00}, I was shocked and thought my account was hacked. I went to local BOA branch ( XXXX XXXX XXXX, XXXX, DE XXXX ) immediately, the assistant manager Mr. XXXX told me that my account was not hacked, it was hold by BOA, and he help me to called BOA, but he did not get any useful information because his limits of authority. 

2 ) XX/XX/XXXX. My husband and I made an appointment with local largest BOA branch at XXXX XXXX XXXX, XXXX, DE XXXX we met Relationship Manager XXXX XXXX XXXX He called BOA and said my bank account was closed by BOA Risk disclosure department. my balance will be mailed to me by check in 7-10 business days. he opened a case number for me, the case number is XXXX 3 ) XX/XX/XXXX. 17 days passed, still not received my balance, I called the BOA to check the status of my case, I was told my account on fraud investigation and transferred to back office, they do not know what's happen, the whole process may take 45-90 days. 

4 ) XX/XX/XXXX, BOA client protection department called my husband phone number, at that time, he is in office, i am at home, but they did not want to talk to my husband. I have to call back BOA client protection department. The line always busy, I have to keep calling and calling, finally, operator picked up the phone and checked my case, and said my case is in Risk disclosure department, there is no update. I request talk to Risk disclosure department manager, finally a gentleman picked up the phone. I asked why BOA closed my account without any explanation. He told me when I open a new account at BOA, I signed a contract, BOA has right to close my account without any explanation. I am XXXX lady, English is not my native language, my listening and spoken English not good. But he spoke very fast, did not answer any question, just repeat and repeat BOA has right to close my account without any explanation. I feel so frustrated after talking with this manager, I feel discrimination, my heart beats super fast, my hands are very cold. I can not do anything in next few days. my XXXX  got Irregular, I do not want to eat and sleep. I have to see doctor on that weekend, and talk to XXXX. 

5 ) XX/XX/XXXX, BOA called me, told me my case was closed and will refund a check to me. The check amount is 1 % of balance. I asked when I can get the remain 99 % balance, they said there is no time frame to release it. My XXXX XXXX at that time. That is my 20 YEARS SAVING! 

I am just a civilian, I know nothing about bank fraud protection. Bank of America can NOT transfer their Operational risk and defects in their system and process to his client. I want to get my money 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 monetary relief
Consumer complaint received 2020-11-15 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: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2019, US BANK CONSOLIDATED add a hard inquiry on my credit report per 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 2020-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have had multiple issues with Goldman Sachs Apple Card. First being that Goldman Sachs declines multiple attempts to make a legitimate purchase at the retailer XXXX. Second the customer service representatives were ill prepared to handle calls related to declines related what they call " suspected fraud misuse ''. After verifying that these attempted charges were correct and actually attempted by me the card holder eight times and while assisted by Goldman Sachs customer service, the charges were still declined. Goldman Sachs then followed up with a restriction on the account for an unknown reason. Goldman Sachs also stated they did not have a way of issuing a letter stating that my account was closed after I requested that they close the account. I believe that the company my be bordering predatory practices with their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CA

Complaint narrative:
First Credit Services , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX {$63.00} Amount Disputed Dear Sir : First Credit Services Inc. is attempting to collect an invalid debt referred from XXXX XXXX, XXXX XXXX, XXXX WA XXXX a membership that was executed when I was a minor. Additionally the membership was cancelled in writing certified registered return receipt with my parents under COVID-19. All three memberships were cancelled at the same time. same letter. Memberships were cancelled in XX/XX/2020. Any fees associated with my parent memberships were waived. The fees associated with this membership apparently were not removed due to my age? I was supposed to hear from a XXXX XXXX Manager as representatives are not empowered to deal with this type of situation. However I never did. I received a collection letter dated XX/XX/2020 This is clearly age discrimination and an unfair, deceptive and abusive practice. XXXX XXXX in XXXX WA refused to treat me the same as my parents. 

I have asked for proof of debt and sufficient proof of why I am being treated differently due to my age. The related memberships are closed and paid in full. Any associated fees were waived. This membership should have received the same fair and equal treatment. All three memberships were on the same auto pay from my parents account and in good standing until the membership were cancelled. The only difference is my age and age of consent. This is not a valid debt and it should not have been forwarded to First Credit Services. Any derogatory credit reporting should be corrected immediately. 

I am currently unemployed which makes this even more disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per 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 2020-11-15 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: NJ

Complaint narrative:
I recently sent letters over 60 days ago to XXXX  and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-15 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2019, JPMCB CARD add a hard inquiry on my credit report per XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: MI

Complaint narrative:
On XXXX XXXX I contacted the CFPB in regards to a complaint # XXXX that was submitted in XX/XX/XXXX. However I conversed with an agent and I was informed that my complaint needed to be forwarded to the Federal Trade Commission. I called the XXXX XXXX XXXX XXXX and I was not successful answering the security questions accurately in regards to the Derogatory Marks and /or Collections on myXX/XX/XXXXReport and the agent continued to coach me by phone to register on line. Once I set up the online account for the CFPB I viewed the collection account For XX/XX/XXXX and I found LJ Ross # XXXX for {$150.00} that was paid and closed on XX/XX/XXXX. I had no knowledge that the account was there because I was told once the account was paid in XXXX it would not affect my credit at all, it would be closed out. I contact LJ ROSS and XXXX said it will not be removed. I do not think it is fair to have {$150.00} Lingering on my credit report after I was told it would be closed years ago and no reported. On XX/XX/XXXX I also paid {$30.00} to close out any debts in there office. Please remove all debts that were previous paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: CA

Complaint narrative:
THIS SHOULD NOT NE ON MY REPORT IT WAS TAKEN OFF BACK IN 2019 AND ALL OF SUDDEN IT GOT RE-INSERTED WITHOUT NOTIFY ME I NEVER RECEIVED ANYTHING IN MAIL ABOUT THIS AND I SEE THEY HAVE A BUNCH OF THE SAME COMPLAINTS SIMILIAR TO MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES, IM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS VIOLATION OF THE FAIR ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Equifax is reporting an account that doesn't belong on my credit file and credit report. I have contacted Equifax by certified mail to have this account deleted immediately. They have not complied. They have violated several laws in Secton 609 ( a ) ( 1 ) ( A ) in the process. The account is listed below : Account Name - XXXX XXXX Account Number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: NV

Complaint narrative:
The credit bureau 's are illegally reporting inaccurate information on my credit report.

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 2020-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2018, SYNCB/TJX CO add a hard inquiry on my credit report per 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 2020-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently sent letters over 60 days ago to TransUnion and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX colo XXXX number XXXX XXXX or XXXX 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 2020-11-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOAN 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7900.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Logged in multiple times to lift freeze for a specific date says cant do it online and to call, says to call, called multiple times. No one answers the phone. I cant get any help. Only open mon thru frid. I am a XXXX and dont have business hours. I have my pin and everything. No reason I cant unlock my report! We dont need any of these agencies if they cant work with their customers, every thing should be opened 24/7 especially during covid when all you are at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: FL

Complaint narrative:
I recently sent letters over 60 days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

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 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Persolve, LLC - Legal - Series 2
State: FL

Complaint narrative:
Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Afni, Inc is attempting to collect a debt from me that I don't owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: Nelnet, Inc.
State: MA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 120-180 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: NC

Complaint narrative:
I was under the impression that wasn't payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently sent letters over 60 days ago to Equifax and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My name is XXXX XXXX I have a credit report that states addresses I lived in and a more then a few phone number that are not mine. A freeze on my account and I cant not get it to it due to someone else 's phone number on account do not match my info I need it fixs and to find out who it is so I can get back to normal. I would like you to find out who it is and take any action. Thank you for you time. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX number XXXX XXXX or XXXX 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 2020-11-16 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/2019, DISCOVER BANK add a hard inquiriy on my credit report per XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal have decided to close my account as of the XX/XX/XXXX and have given me no reasons why they have done this I have XXXX in my account which I desperately need as I lost my job due to covid19 I sent all items via XXXX and sent proof of postage and have positive feedback I have tried calling PayPal at least 79 times and never can get through and everytime I email them I get an automatic response I dont get a person they are so unhelpful and also I have XXXX children and desperately want my money I have reported PayPal to many services they cant get away with this as there hold my funds for 180days ( 6months ) are they mad its my money Im intitled to it its against the law to hold my money please help me get my money

Company response to consumer: Closed with explanation