vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Unauthorized use of my debit card with edd through Bank of America. First, someone checked my balance at a XXXX XXXX ATM machine at XXXX XXXX, which is 2 hours away from me. Then the following happened at a Bank of America ATM machine in XXXX XXXX : [ ] {$1000.00} XXXX @ XXXX pm [ ] {$1000.00} - XX/XX/XXXX @ XXXX am [ ] {$1000.00} - XX/XX/XXXX @ XXXX am When fraud department of bank of america contacted after I found out, last XX/XX/XXXX. I was advised that they will undergo investigation up to 90 days. Unfortunately, I contacted fraud department again today, XX/XX/XXXX, was advised that they resolved my case and that they denied my claim. I informed the customer service representative of bank of america to release the footage of the XXXX. As far as I know, there are cameras on the atm machine itself. How come, they do not review it, so they will know who withdrew the money. Bank of America denied my claim and will not return my funds back. This is so upsetting, a bank that is huge and unable to protect their customers. The fraud department is unable to investigate well. They just say they are doing their due diligence to investigate the frauds, but realistically they are not doing their job. If they investigated, they will pull the camera from the atm machine and will know that it is not me who took the money out. Commonsense, if that was me who withdrew the money from the atm machine, why would I go through this headache and make a fuss about it. I do not need any headache, as I've been going through a lot already. WHERE IS THE COMMONSENSE OF THE FRAUD DEPARTMENT OF BOA!!! The bank itself is fraud! This is negligence! I have been a customer with bank of america since XXXX, but after this will resolve. I will pull everything out of BOA and open a new account with XXXX. Apparently, chase protects and serves their customer well, will return your money asap and will not deny your claim. This is the biggest mistake of XXXX to use BOA. Please assist me on the next step. Thanks!

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 2022-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Albert Corporation
State: NY

Complaint narrative:
On XX/XX/2022, I opened a checking account online using my friend 's referral link, at Albert, a financial technology company, its Banking services is provided by XXXX Bank, Member FDIC. There're 2 issues with the referral program and I think it's because their customer onboarding system can not properly track customer 's account opening activity. Issues are as below : 1. I opened this account due to Albert 's referral program offering a referral bonus of {$150.00} to both parties. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days. 
From XXXX to XXXX, I set up my employer 's payroll to Albert with $ 200+ and spent at least {$100.00} each month. However when I reached out the the customer support, they stated that I did not signed up using a referral link. However, I can find from my XXXX XXXX browser history that I actually did use a referral link. 

2. In addition, I referred 3 of my friends to join Albert, and only 2 of them were successfully confirmed by Albert that they are eligible for the referral program. Again, Albert 's customer support stated that the third person did not use my referral link. However, I sent my referral link to my friend and he used the link to join.

After several times ' communication with Albert 's customer support, they refused to confirming the eligibilities of the account opening bonus for my friend and myself.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
So I have multiple debts I can not pay no matter the payment plan and I get a call multiple calls almost every day between XXXX and XXXX everytime I block their numbers they just use a new number and I can't get sleep because of it they wake me up every hour to every half an hour. 
I don't refuse to pay the debt but I just can't pay it I can barely even pay for cigarettes. 
I know this doesnt seem like much but I can't function because of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Regarding Chase Auto Loan XXXX. Please see my first complaint, Complaint XXXX, for more specific dates and check numbers After 6 weeks of fighting with chase for not clearing an auto loan they received and signed 3 separate checks for Chase finally cleared it and my online account showed {$0.00} balance. 

Now, as of XX/XX/22 Chase has the NERVE to hit me with a {$980.00} late fee. They received and signed for the first check on XX/XX/22 ( as shown in my first complaint ) The loan was paid IN FULL. 

Chase has been causing me absurd, undo stress for over 6 weeks with this nonsense. I'm getting so many migraines and literally shaking with frustration ; I'm losing sleep and missing work over this nonsense and harassment. 

This is all Chase 's mess. I Will never pay them for their own mistakes. If anything they should be paying me for all the stress their incompetence has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IA

Complaint narrative:
To whom this may concern, I am writing today to inform you of unfair and and negative impacts/ actions USAA has caused on my credit report. I was informed by several agents within USAA on multiple calls I was a client affected by a systematic error that cause thousand of their customs to receive a false 30 day late on the credit. I was also advised USAA is aware of the error and the were working to resolve my complaint. After several conversations with USAA representative advising the corrections were being addressed. I later was contacted by Executive Office who advised I was 2 dollar short on the auto loan. I believe USAA is using this as a way to attempt to escape responsibility for the financial impact they have caused on thousand of customers including myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Trying to access credit report through Equifax. After navigating their automated phone system to finally talk with an agent, I was asked to give pieces of information to verify my identity. After giving all the correct information I was then disconnected saying my identity could not be verified, leading me to believe there are serious issues on my credit report including possible identity theft. Of course, there's no way for me to access and check because I am locked out giving my complete and accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 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: NV

Complaint narrative:
Attached you will find the previous response from XXXX who attempted to collect on this supposed XXXX XXXX  that was not mine. It was already removed from my credit report previously and now another company is attempting to collect on it. 

I am unsure of any account number but my last 4 of my social are XXXX. You should be able to locate my account with this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, Transunion are continuing to violate my rights to accurate reporting and are not being held accountable for inaccurate information an Incorrect Bankruptcy has been sitting on my report for over a year and they keep responding with a false verification XXXX and Transunion are both liable for damages for {$1000.00} per violation for willful noncompliance in which they failed to comply. Pursuant 15 usc 1681n-any actual damages sustained by the consumer as a result of the failure or damages of not less than $ 100and not more than {$1000.00} ; At this point I plan to exercise my right to collect remedy because i have given much time for this issue to be fixed and I have also been very patient. 
I have attached documents once again including responses directly from XXXX nexis to prevent form being rejected as a repeat complaint Transunion also states that XXXX which is Third party reporting with no writtten consent from myself to report any information is claiming that they dont have to follow any consumer rights which is a huge problem.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had been living in my home for the last 20 years and when the owner decided he was going to sell I had to pull my credit apartment search when I saw all these inquiries and credit cards medical bills ect on my credit profile and a XXXX Florida address come up I have never ever lived in XXXX Florida but my ex boyfriend does so I did a XXXX search on the address and XXXX image and his XXXX XXXX XXXX XXXX came up so I think he rented his house in my name and gave my info to others he hates me and has been tounting me for years I have no actual proof but I did contact police.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have requested to have this account verified several times for inaccurate reporting via the credit bureau and XXXX  XXXX XXXX have not received any original documents verifying this account belongs to me. My consumer report shows this account as a charge off which can not be reported as debit and income according to the IRS. XXXX XXXX in violating my consumer rights 15usc1681 by continuing to furnish inaccurate information.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
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 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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based o

n, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

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 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I sent a letter to Great Lakes XX/XX/2022, which they received. I requested the original instrument of indebtness and a certified statement confirming and affirming that the original note had not been sold.

They have not responded, which means they dont have it and i explained to them i have the right

to request it based on the Freedom of Information Act... This is my 2nd attempt. If they cant provide the document, it must be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXXXXXX XXXX shouldn't be reporting on my credit report as they haven't submitted validation of that. They have also stated that this be removed off of my credit report. XXXX and XXXX has removed it but Equifax is still reporting it.

Company response to consumer: Closed with explanation