vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has been holding 2 of my government checks best known as stimulus checks and child tax credit. Since XXXX of XXXX for almost 2 months, in those 2 months I call everyday too checks if my checks have been sent out due you the fact that my account is pending closing which they stated to me that on XX/XX/XXXX my account will be fully closed so when that's occurs my checks will be mailed to me in a cashier 's check, that day came I waited for my checks in the mail and nothing. So once again I gave them a call I spoke to a representative by the name of XXXX she told me that my checks were mailed on the XXXX  of XXXX ok, I waited for a week and nothing so I called again and spoke to a representative by the name of XXXX he stated that my checks were never sent out and that they would mail them to me untill XXXX of XXXX due to the fact that my account is closing pending. I don't understand why iam having these issues with Bank of America if when I received my first 2 checks I was able too withdraw my funds with no problems even with my account being pending closing, now it has gotten toa point we're this had cause my e to have a very XXXX XXXX cause I cant even buy my children their Xmas gifts or for any kind of holiday shopping whatsoever. If I can please get some help to get Bank of America that's what their doing to a loyal customer is very unfair. Thank you HAPPY HOLIDAYS

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 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2021 while at work I was called on my personal cell phone by a man who represented himself as calling on behalf of a Law Group. Through out the exchange he continued to emphasize that this was a law firm of some type that represented creditors. I subsequently learned that the call was in fact at the behest of XXXX XXXX XXXX, a collection agency based in California. 

The man on the call alleged that this debt is originally owed to Wells Fargo. I closed my accounts with Wells Fargo in 2011. At that time the bank made no mention of any amount I owed. 

I believe XXXX XXXX XXXX probably knows I don't have an outstanding debt to Wells Fargo, but they must certainly know that even if there were such, it would be time barred in any state they might claim it applies in. 

I am mailing off a letter disputing the debt to XXXX. I also am requiring documentation.

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 2021-12-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2021 my phone was tooken and a unauthorized transaction took place. The person had my phone and accessed my by hitting forgot password in which the system sent a temporary pass code to my phone via text messaging. Then transferred {$100.00} to himself leaving.me with {$4.00}. I reported it right away to NetSpend. I also made a police report and pressed charges. Sent a letter and documents with report number. I did everything I was supposed to do. My claim was rejected. The person that did it was arrested and is in jail facing charges. The bank just says they can't find an error. And they are right there was no error. But there was an unauthorized transaction. What else do I need to do. Do I get a lawyer or what?

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 2021-12-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, XXXX and Equifax I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I'm submitting this complaint in reference to Southwest Credit System knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
On XXXX XX/XX/2021 XXXX XXXX of SWC Group submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance. 

XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report. 

XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included

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 2021-12-18 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: MI

Complaint narrative:
These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
These student accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied on me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing who made these charges on my credit file! So how did your properly verify this, how is these accounts mine? if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

All accounts are provided in my documents please open my documents and throughly check all accounts do not respond to me computer generated. 

XXXX XX/XX/12 Balance? 

FTC Report was submitted and filed with accounts included

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 2021-12-18 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that I have absolutely no knowledge of. Before contacting XXXX, Experian and XXXX I call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in 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 non-monetary relief
Consumer complaint received 2021-12-18 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I did not apply for a wellsFargo Credit card back in XXXX I went into the bank and spoke with a representative about this issue. I did not authorize However they send me a record of the application and reference number and we still going back and fourth and I did not tell no associate nor bank representative my mother / grandmother did anything this is absolutely unacceptable. It really XXXX me off because she been deceased since XXXX. Yes Wells Fargo showing me documentation but at the same time how about show pictures/ or the voice recording of the conversation that me and the bank representative had. Any body can present documents However still does not justified the fact that the credit card was fraudulent!!!

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 2021-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I had a breakthrough case of XXXX recently and was sick with flu-like symptoms and had to quarantine. During that time, I was not able to move money in time, or make physical deposits, to cover several scheduled payments that slated to be deducted from my account. Since the merchants in question did not charge late fees, and I didnt want to outright cancel autopay for this account, I locked the debit card associated with these transactions and shut off overdraft protection on my account to avoid the {$34.00} overdraft fee per transaction ( particularly since the bills in question were only $ 20-30 themselves ). These were not ACH transactions and were strictly linked to my debit card only. Despite doing this well in advance, Chase proceeded to clear all these charges to my debit card, over drafting my account over {$400.00}, more than 1/3rd of which came from overdraft fees on transactions I did not authorize and for overdraft coverage I declined. I understand paying maybe one single overdraft fee, but now Im looking at close to $ 170+ in fees alone for a few small transactions that I blocked! I am a 100 % XXXX veteran and survive on a fixed income. These outrageous fees are clearly predatory and will only continue to accumulate as they continue processing payments and the account remains overdrafted until my next XXXX payment from the VA in a few weeks. With cost of living already so high, it is wildly unfair that people like me should continue to be preyed upon by big banks that rake in billions of dollars at the expense of XXXX, poor, and working class Americans.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 
National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. 

My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. 

I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. 

I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. 

I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. 

This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.

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 2021-12-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I reached out to Ford Credit and asked for documents to validate and verify this alleged debt. Ford Credit failed to provide the name and address of the original creditor so I can verify this alleged debt. They are still in violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in 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 non-monetary relief
Consumer complaint received 2021-12-18 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: MI

Complaint narrative:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts was opened without my full consent. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

XXXX **** {$6000.00} XX/XX/XXXX XXXX {$18000.00} XX/XX/XXXX FTC report is included and these accounts are included in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I placed an ordered through the BestBuy website for a couple of items which one was the XXXX XXXX to be able to pick it up at the store. When I arrived at the XXXX XXXX store, they said they did not have the item and it was already sold. Because of this I opted to buy the XXXX XXXX at a different location which was the XXXX XXXX store in Florida. When I went to make my payment on the BestBuy site, I noticed the balance owed was more than it should have been. Came to realized that I was being charged twice for the XXXX XXXX for the amount of {$1000.00}. I called and filed a fraud claimed after being informed at the store to do so since it shows that the laptop was picked up on XX/XX/XXXX by me. But this was not the case since I was actually working that day. This has not been resolved since it happened and Best Buy is unwilling to return credit simply because it shows on their system that the item was picked up by 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 monetary relief