vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America sold my credit card account to XXXXXXXX XXXX which I can not find any physical bank locations for XXXX  other than online or calling by phone, and apparently XXXX is owned by XXXX XXXX  which sounds like a fictitious bank holding company to me. 

I am trying to get copies of statements from XXXX and XXXX. XXXXXXXX XXXX says they don't keep the old records from Bank of America. After a month and numerous phone calls I only received the last XXXX months of XXXX statements from XXXX. Now XXXX says they can not provide anything before XX/XX/XXXX which seems ridiculous to me. I called Bank of America ( and tried to use their online system ) and they tell me that Bank of America can not find my account since it is not in their system anymore and can not help me. I need to produce these statements for a court case and should not have to pay a lawyer to summon the companies to produce the records. 

Could you please investigate this egregious behavior by Bank of America to sell to an online bank, throw out the records, and the customer is disadvantaged by this. Also, XXXXXXXX XXXX  says online that old statements are available by calling a phone number and the people on the phone say they can not help. 

Thank you very much.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion is reporting different credit scores for my account. All other credit reporting agencies scores are higher. TransUnion needs to investigate everything on my account and adjust my score. One credit score is listed as XXXX and one is listed as XXXX which is keeping me from renting. My other credit scores at other reporting agencies are in the 600 's. Please verify all the things on my credit report and adjust my score across the board.

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 2023-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have not engaged in any activity that could be considered fraudulent or in violation of PayPal 's policies. Therefore, I believe that the permanent limitation placed on my account was unjustified and undeserved. 

Secondly, I would like to emphasize that I depend on my PayPal account for my business and personal transactions. The permanent limitation has caused me significant financial losses and inconvenience. I am deeply concerned about the impact this decision will have on my ability to conduct business and pay for essential services. 

Given the importance of my PayPal account to my daily activities, I kindly request that PayPal re-investigate my case and take into account any relevant evidence that I can provide to support my claim. I am willing to provide any documentation or information that may assist in resolving this issue. 

In conclusion, I urge PayPal to carefully consider my appeal and take the necessary steps to restore my account. I appreciate your attention to this matter and thank you in advance for your cooperation. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX  ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I sent a certified letter to them on XX/XX/23, and asked them to stop reporting my innacurate information to the 3 credit bureaus without my permission. They are reporting late payments as well.

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed several items on my Transunion credit report on XX/XX/2023 via certified mail. The dispute was received on XX/XX/2023. In addition, I disputed several inquiries as well on XX/XX/2023 via certified mail as well. That dispute was received on XXXX. I still have not received a response as of today. I sent a follow up dispute letter on XX/XX/2023. Its been 30 days since they received my dispute and still haven't received a response. 

Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61i ( a ) ( 1 ) ( A ), aad I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2023-05-10 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I filed a complain already with the creditor and CFPB so far there is no resolution. 
I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} plus XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from American Express is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX XXXX id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in 24-48 hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance. 

Today is XXXX and American Express have not resolved my fraud case. From XXXX to XXXX I had call the company ove 50 times and they just keeping telling me I will refer this information to the fraud team can not transfer you there because they dont acept calls. I requested to talk to the manager and they told me the line is so busy and offer me a call back in 30 mins other 2 biz days. They dont even know what is happening why this case have not resolved yet. NO ONE KNOWS NOTHING. My last call was 2 weeks ago and this representative told me there is no claim with this charges, i see the notes about you calling in regards this fraud charges but we have never filed this claim for this charges. I wanted to cry NO KIDDING I didnt wanted to ask anything I am done with this company. The worse worse services. He told me a manager will call me back in 30 or 40 mins WELL so far no one has been caling me. ONLY COLLECTION CALL. Everyday. PLEASE PLEASE someone help me with this terrible situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: MA

Complaint narrative:
Good afternoon, About 2 years ago I had phone service with XXXX. When I signed up for the service I received a new phone. I specifically asked if there were any contracts or cost for the phone. She said no, the phones were free as part of the current promotion & the service was month to month. I signed up for 2 lines, one for me & one for my husband. My husband does not use anything but a flip phone so I paid for a flip phone for him. Everything was good for awhile until a monthly bill arrived with a new phone for over {$300.00} on it. I called them to find out what that charge was & she said " you bought a new phone ''. I told her that I had not purchased any new phone as I got a new phone when I signed up for their service. I asked her to please remove that charge for that phone as I had not purchased anything. Three months went by & the charge was still on my monthly bill. I called back to again ask them to remove that phone from my bill. They didn't, so I canceled my service & I got a new provider. 

I never got another bill or heard from them again so I assumed that they finally removed that charge & closed my account. Now it's probably a year & a half later & I get a letter from a collection agency looking for more than {$600.00}. I called them & the man said because I didn't keep the service for at least 2 years that I now have to pay for the phone that was given to me free when I signed on for the service plus a monthly fee for all the time since I closed my account. The collection agency man was extremely rude to me & said said I could settle for some amount over {$400.00}. I said I wanted to see copies of those bills & to send them to the correct address. They sent it to my legal address instead of my mailing address. Our property is in XXXX, but we receive our mail through XXXX XXXX because most of our street is XXXX XXXX property. 

It's been three months & I heard nothing so I assumed perhaps they closed the case. Wrong, the other day I got a bill from XXXX, again mailed lto the wrong address. I called them & the young lady said she couldn't help me because it's in collections. My credit score is over XXXX & I am so stressed out over this since I asked many questions before I signed on with them. I may be elderly but I'm not ignorant. I feel very abused right now. On that bill it also says that I have 4 handsets. I had only 2, one for myself and one for my husband. 

Can you help me with this before I have a breakdown? I'm losing sleep over this. 

Thank you, XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, MA XXXX Legal Adress is : XXXX XXXX XXXX, XXXX, MA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I had a XXXX XXXX, XXXX XXXX XXXX XXXX and online XXXX XXXX I told her what I was going on with my life which is pretty much that I have told United States Human and Health Services and many other agencies and she did not seem concerned about anything I said. She started asking me questions about my past and I did answer because she had me believing it would better understand my condition During the whole session, she did not have any opinion or insight. Also she never gave me a plan. She did say I did need medication and that my pharmacy will have this afternoon. Will the prescriptions never have showed up at the pharmacy. There is no prescription at my pharmacy. Also, I the next day looking at the online XXXX website and it says my provider with review my information and respond to accordingly This XXXX XXXX said it would be taken care the same day as the appointment we had. I had a paid membership and none of XXXXXXXX XXXX  part of the agreement was fulfilled. I thought to myself I have been lied to yet by another business and even another Medical Center. When will this nightmare ever end? I made an debit card dispute with Bank of America and the funds reversed back into my Bank of America Credit Card a week later. Now as of XX/XX/2023 there is a charge back to XXXX of {$95.00}. I do not think XXXX should be so unethical and keep this money

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 2023-05-11 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account ( s ) # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

Contacted multiple times about website/account accessibility which resulted in late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: Kriya Capital, LLC
State: MI

Complaint narrative:
On XX/XX/2023 a collections account by Credence Resource Management was added to my Credit Profile for the amount of {$2400.00} under the original creditor XXXX XXXX XXXX. The account number as per the credit bureaus is XXXX. I have never had any relationship whatsoever with XXXX XXXX XXXX, hence there is no Debt Pending. The collections account has been added fraudulently, without checking whether the information is valid or not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: HI

Complaint narrative:
In accordance with the fair credit reporting act XXXX ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished 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 2023-05-10 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: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ALL ACCOUNTS PERMANENTLY LISTED BELOW : 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA Account # - XXXXXXXX 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 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 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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX told my ex husband that I would be removed as a co-signer from his mortgage when he modified the loan without me post divorce. He waited per their request to submit the finalized divorce paperwork along with the modification so that he could stay in the house on his own as he was previously. I was removed from the mortgage ( attached ) and I was removed from the deed. XXXX, however continues to keep their account on my credit illegally. Nothing has my name on it any longer and I have no responsibility to the home anymore. XXXX has refused to offer any assistance and continues to report as an open account on my credit causing me additional financial harm and emotional distress. I consulted an attorney and I was told that it was a mistake and they need to correct it. I have attached all the paperwork I have.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: LEXISNEXIS
State: GA

Complaint narrative:
I file a complaint with LexisNexis to removed incorrect information from my credit report on XX/XX/2023. It has been 30 days since I submitted my request. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I did not receive a validation letter or any other communication from the collection company XXXX XXXX XXXX and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because XXXX XXXX XXXX reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the XXXX XXXX XXXX and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).

Company response to consumer: Closed with explanation