vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 a wire transfer was made to my account in the sum of {$300000.00}. This came from my investment capital and profits I made with A legit company. The very next day I made a withdraw of XXXX and a few hours later Bank of America froze my account. They stated they were investigating the wire, and it will take up to XXXX days. The bank sent me a letter stating they made a decision to close my account and if my account has a balance after its closed theyll send a check payable to the name on the account. I never received anything. Ive made over 10 attempts to get my funds in person with the bank and over 20 phone calls. Nothing is being done. Theyre requesting the sender to file a claim to get the funds back but they are not releasing it to me. First they told me do I have any proof that the funds were for me. I come to the banks with documents they turn me away. They even claimed that it was a claim made that the funds werent meant for me which was not true at all. All this time no claim has been made against the wire they had more than enough time to investigate and hasnt came up with any fraud, they just not trying to give me my funds. This is ridiculous, Im far behind on my bills and payments do to this. Its just discrimination, they have no reason to not release my funds that was in my account that was transferred through a wire to me. With all this time they had to investigate and they come up with nothing and they still arent going to release my funds after my account been closed since XXXX XXXX today is XXXX XXXX. That is ridiculous. I need help this has to be illegal what they are doing to 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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Yes I recently checked my credit report and noticed I had some unknown inquiries that I did not recognize! I will list them below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 a account without my written instructions

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted each of the credit bureaus to investigate the following items that negatively affect me. Not only have each of the accounts violated my right to privacy promised under 15 USC 1681 Section 602 A but they have also been furnished without my written consent or instruction which violates Section 2 of the aforementioned law. 
The accounts are : XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX To date, the credit bureaus have not responded within the 5 business days as mandated by 15 U.S. Code 1681i Section 2 ( A ) : " Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account Name : XXXX  Account # XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX  Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX  Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX XXXX Account # : XXXX, Account Name : XXXX Account # : XXXX, Account Name : XXXX XXXX Account # : XXXX, Account Name : XXXX  XXXX 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 a account without my written instructions

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 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I recieved a phone call from XXXX saying that someone charged my XXXX card for {$1500.00} and it said to call XXXX. I called and an employee called XXXX answered the call. She told me that she need to transfer me to the Federal Trade Commission at XXXX. I called the number and a gentleman named XXXX XXXX answered the call. He started to ask me questions and said that my identity had been stolen. He started that over {$300.00}, XXXX has been wired overseas to several different banking accounts. I told him that I have not opened any accounts. He instructed me to close down my banking accounts and take the money out of them and then let him know when I have done that and that he could help me put the money back into a new account. I hung up at this point.

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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: International Recovery Associates, Inc.
State: NY

Complaint narrative:
I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; Unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order 13892 ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected consumer, original creditor and principal on all accounts, I feel like this is an attempt to extort and rob me, personally, my family, and my household. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
on XX/XX/2022 i attempted to withdraw {$200.00} using my chime card from an atm machine. it malfunctioned and did not give me my cash or a receipt. however {$200.00} and XXXX in fees was withdrawn from my account. i called chime and was told it was pending and would be back in my account the next day. when it wasnt i called and was told 3 days. i called today on the XXXX day to be told my dispute was closed in error and he reopened it and it may take up to 45 days! this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Respondent : Nationstar Mortgage d/b/a Mr. Cooper XXXX Texas XXXX Petition for equitable relief, equity will not suffer a wrong with out a remedy, and I have been wronged. 

On XX/XX/XXXX I sent a conditional offer to respondent 's alleged debt in the amount of {$4000.00} upon proof of validation/verification of the alleged debt. On XX/XX/XXXX I sent an offer along with 2 negotiable instruments with very specific instructions as an attempt to offset the alleged debt. My negotiable instruments have not been applied to the alleged debt nor have they been returned. On XX/XX/XXXX I sent another conditional acceptance of the respondent 's offer upon receipt of specific documentation validating the debt. On XX/XX/XXXX I received an offer from respondent for payment refuting my allegations of not being provided information to submit a debt validation request. However, the XXXX XXXXnformation that I requested was not provided on any statement I received. XXXX sent another offer on XX/XX/XXXX refuting my XX/XX/XXXX offer without returning my negotiable instruments acknowledging that only a check for {$1300.00} had been applied to my account. On XX/XX/XXXX I sent another conditional offer upon proof of claim that a valid debt exists. On XX/XX/XXXX a final notarized QWR offer was sent to respondent. 

The respondent has yet to provide said XXXX XXXX XXXX XXXX XXXX XXXX ) that can easily prove that an actual loan was given from " assumed '' lender to " alleged '' borrower. While a signed note is legally valid and enforceable against the signatory and the unsigned party can't be legally held accountable to the terms of the contract, what is so difficult about showing the accounting and proving the actual debt? Unless the accounting will prove there is no actual loan because there was no actual currency given? Unless my original note was securitized without my knowledge, indorsed by the bank and used as a deposit on their accounting ledger to fund my own " loan ''? And thus, I signed the note without full discloser under fraud? Further a unilateral contract is at best an imperfect gift, and it was never my intention to give my property to the respondent and demand its immediate return. 

Deeds of trust/mortgages conveying an interest in property are security instruments, they are not liens. When the lien is satisfied the securities, or if converted ( sold to a third party ), their value are to be returned to the mortgagor, along with THEIR GAIN. 

The lender ( s ) never signed the original note because they know that whom ever signed it would be admitting to lending fraud. If my suspensions are incorrect then validate the debt by show the XXXX and this matter will be closed. What are they hiding?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I had a Vanilla Gift Gard ( Visa ) that I bought from XXXX XXXX  on XXXX XX/XX/2022 ( cost {$500.00} ) and had a balance of {$490.00} after activation. I used it for the first time to pay for my XXXX Ride for {$130.00} on XXXX XX/XX/2022, and a second time in XXXX XXXX ( XXXX, California ) for a bill of {$28.00} on XXXX XX/XX/2022, both of which were successful. However, when I tried to use it on the subsequent days, my payments were declined everywhere. I called the Vanilla Gift Card customer care with the toll-free number given on the back of the card, and I was told that my card was compromised and that they found a series of {$10.00} transactions on XXXX. As a security measure, they have blocked my card with a current balance of around {$97.00}. There was no way for me to check the balance and the transactions as my card was blocked. 

As per the suggestion of customer care, I filed a dispute with the company ( Vanilla Gift ) on XXXX XX/XX/2022. I was told that the process might take anywhere from 45-90 days, yet even after repeated enquiries and emails, I am yet to get any update. I have researched and found that most customers who file a complaint with the company do not receive any response from them even after 90 days. As I am an XXXX XXXX XXXX  in the USA, I can not wait for 90 days for any resolution, as I am to go back to my country on XXXX XXXX. I also can not spare or lose this huge amount ( {$320.00} ). I kindly request you to look up this matter with the company and help me get my money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I purchased furniture from XXXX XXXX XXXXXXXX in XX/XX/2022 but because of extended wait time to received I cancelled my order in XX/XX/2022. I was issued credit from XXXX XXXX in the amount of {$3500.00} to my Caesars Reward credit card ( COMENITY BANK ) the same credit card I initially used. I was told to give 1-3 depending on my credit card company to get the credit. As of XX/XX/2022 when I called to check it now shows that amount that should have been refunded to me now shows a charge. I have reached out to the bank weekly in an effort to get this resolved. In XXXX I reached out in an effort to find out status and originally COMENITY BANK saw as a credit and a credit was to be issued but it never was. I just called today spoke with XXXX XXXX # XXXX with COMENITY BANK when ask if she could escalate she advise there was no one over her. She was very rude and condescending took no ownership of this bank error. Previous agent stated all this was because of system upgrades. Why should system upgrades effect customer for several months. I need help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : BANK OF AMERICA ; XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/20XXXX XXXX  # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) Bank of America is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX XXXX XXXX XXXX report. I have attached documents to verify my identity

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 2022-08-03 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: DISCOVER BANK
State: WI

Complaint narrative:
I purchased a treadmill from XXXX XXXX XXXX The billing date was XX/XX/2022. There was an introductory free XXXX interactive service that could be used with the treadmill. It was free for a month. Of note is my treadmill did not work. I contacted XXXX XXXX XXXX via email on multiple occasions ( a waited on hold for hours while never getting someone to answer ). When I received a email on XX/XX/XXXX indicated I would now start being charged, I sent an email indicating I did not want the service -- -- I couldn't use it with a broken treadmill nor did I want to pay XXXX. 

XXXX attempted to charge me for the service on multiple occasions. Discover Card sided with me on the XXXX instance which was likely XXXX but since then have sided with XXXX. They have indicated that since I never received an acknowledgement from XXXX, they were going to side with them. 

Note that it is in XXXX 's best interest to ignore my cancellation and continue charging me. There is no incremental cost for them whether I used the platform or not... but I never used XXXX. It is in XXXX 's interest to continue to ignore my requested cancelation and charge me. 

Of note, I have never used the XXXX service during this period. 

I have since cancelled my credit card with Discover Card after being a customer for decades. There are multiple charges either under review or Discover sided with XXXX. The total amount in dispute is likely XXXX. 

During my most recent conversation with XXXX from XXXX on XXXX, I recorded the conversation including their position that I needed an acknowledgement. XXXX was aware the conversation was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have A right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states A consumer reporting agency can not furnish A account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2019 Portfolio Recovery Assoc Opened a collection Account # XXXX XXXX $ is what I owe Ive never signed a document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 
I dont know who they are and not written consent on my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three bureaus XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CA

Complaint narrative:
I have been affected from XXXX- XXXX. I applied for California Mortgage Relief in XXXX. I was informed that Paramount Residential Mortgage Group XXXX, is not on the list. I am unable to receive any type of help from California Mortgage Relief. My application is on hold. I have called my mortgage company numerous times asking to speak to someone who can move this matter forward. To no avail. I get transferred from person to person. They gave me HUD number and I have called to get assistance. I reached out to XXXX, and the representative stated. File a complaint and gave me your website. I have asked my mortgage group who are you working with to assist borrowers, and they refer me back to HUD. I am requesting assistance with this matter. 

Thank you

Company response to consumer: Closed with explanation