vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I have been trying to get copies of all checks written from XXXX since XX/XX/XXXX with this bank. Have they lost them? Why are they hiding the fact they lost them? I have gotten every item except what I have asked for. I was told I would be sent the information via email on XX/XX/XXXX from XXXX XXXX in XXXX XXXX. I have left him various messages and no response from him or the bank. I just got 5 large envelopes with statements from various accounts from various dates in no such order and no type of response from the bank. Where are copies of my checks from XXXX for account XXXX! I have now asked several times and filed several complaints with several regulators why is no-one holding BoA accountable for the files they lost. They are not XXXX years old and I should have access to them.

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 2021-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase closed my account without any warning or notice. When I called them they told me they sent out a notice in the mail ; which is absurd because all my communication is set to paperless ( all statements and notices ). I recently moved so I have not been getting all my paper mail, and since I had set all my communication to paperless, I was not expecting to receive anything in the mail either. 

Apparently, my closed was closed due to a returned payment because I had entered an incorrect account number. If I had been notified, I could have fixed it but Chase decided to close all three of my credit card accounts which have adversely affected my score quite a bit, and my ability to apply for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: TX

Complaint narrative:
This debt is being reported in my credit report in Error. 
I had direct communication with XXXX stating that the amount of XXXX being reported was an error and was removed from my account.

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 2021-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: AA Recovery Solutions, Inc.
State: OH

Complaint narrative:
My mother, sister, job and i keep receiving phone calls from a gentleman named XXXX stating he is trying to collect a debt for XXXX I go to XXXX and they do not have this said persons information. They are harrassing me at my place of employment, my cell phone and other family memebers. They also said they are going to garnish my wages if i dont pay by the end of this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2021-03-17 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: CO

Complaint narrative:
I was scammed by this timeshare company. I went on vacation and was solicited by a resort promoter. I declined all their offers and did not sign up. I did not purchase anything from them but they used my booking information to execute transactions. I have disputed it directly but the original salesperson doesn't work there anymore, and no one is helping me. I have never used this account, I never wanted it, nor did I sign up for it. This company fraudulently used my personal info they have on file to open an account under my name without my permission. They have been billing me and I've made payments because I do not want to mess up my credit & because I was threatened they'll destroy my credit & foreclose on me. I was defrauded and this company should be investigated for scamming people. I have requested multiple times for verification of this account but the creditor has refused to provide any information. Ive sent out demands to have this account verified on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX but Ive had no responses. Ive sent out requests to Experian and to the original creditor. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I receive a letter by mail from Receivables Performance Management LLC, telling me that I own XXXX dollars. I am confused because I never hear of their business, I never get business with their business, so I don't understand how I own a debt with this company. 
On XX/XX/XXXX I sent mail to asking the company, but I never receive a response. they put a negative mark in my credit report and I now can not get a Mortgage because of this mark on my credit and the company will no help me with this unfair situation. 

This Debt have a Original Creditor that is XXXX so I already paid the debt to them and I have the confirmation number that is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
On Thursday XX/XX/XXXX I picked up the phone when a representative from this company called me. She refused to answer even basic questions I had about what the debt or call was in regards to, was extremely rude, insulted me ( " good luck with getting out of debt '' ) and would not respond to my request to have something sent to me in writing per the FDCPA about what the debt was in regards too -- I had never received anything for the amount she was calling about and had no record of what the debt was about. 

Since then, I have been getting called three to four times a day from the number and when I answer the person on the other end hangs up on me. I have also received calls before XXXX ( XX/XX/2021 ). To me, this feels like very clear retaliation for questioning a combative and rude stranger who was attempting to get personal information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was approved for a CareCredit card with Synchrony Bank in XX/XX/XXXX in order to use solely for veterinary services. I was approved for {$5000.00} for the card with a co-applicant, based on credit " worthiness ''. I was then riddled with fraud on my main bank account and had to open a new account with my bank. This account was still linked to my CareCredit/Synchrony Bank account, and I did not receive any notifications regarding late payments or upcoming payments. I assumed that it would be taken out of my account directly as it had been in the past. 

However, I was not notified and when I realized that I had to make my payment, I logged into my account and to my surprise the account had been closed without any warning whatsoever. They sent a letter on XX/XX/XXXX which is 8 days past the due date for minimum payment ( first of every month ). The letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the " Number of dishonored payments on this account ''. I had one dishonored payment, less than 8 days past the due date without receiving any notifications, calls, emails to remind me or make me aware of the issue. If they had done that, I would have realized that I needed to reconnect my new bank account and all would have been fine. 

Now my credit score has gone down 100 points and will affect every aspect of my financial wellness. What happened to me is deplorable and inexcusable due to the treatment by customer service agents when I attempted to fix the issue immediately after I saw the closed account and the fact they closed my account while only notifying once of a late payment.

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 2021-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: GA

Complaint narrative:
XXXX $ was put collection and i was getting calls during work hr disrupting my office

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 2021-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/2020 i was victim of theft from my debt card for XXXX i called my bank next day to reported and cancel my debit card. Now i have a letter from Bank of America saying they will take back from my account that money because : '' Unfortunately, we're unable to approve your recent claim. I need help with that because i think is not rite i have to pay back that money when i am victim.

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 2021-03-17 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
On XX/XX/XXXX I purchased an item from XXXX with a return policy. I received the item and wanted to exchange it. I sent the item back and reordered the item I wanted. The merchant was to refund me upon receipt of the returned item. Customs received the item and requested the merchant complete the required paperwork for delivery. She refused. I disputed the charged with Barclays. They sided with the merchant. I refiled a disputed on XX/XX/XXXX and in the meantime they rebilled me for the disputed charge TWICE. I do not have possession of this item, I returned it and they have not protected me as the consumer and in fact have violated me even further by charging me twice. Instead of {$320.00} debt for an item I don't have I now have a debt of {$650.00} erroneously reflecting on my debt and credit reporting. This is wrong. Please assist me with this matter.

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 2021-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc.
State: IN

Complaint narrative:
Access Management is the name given. The number they are calling from is XXXX. The caller ID is ACESSRECVBLES.It 's a robocall. This is a landline they are calling. 

They call almost daily. My experience is that they are fishing for a debtor by using the least expensive, laziest methods. One of which is to simply robocall anyone with a similiar name using a computerized database. I know of no debts that me or my family owe that are outstanding. Googling this company does bring up the name of a supposed " ethical '' debt collector. 

If a debt collector calls me wanting to know if so and so can be reached at my number, I tell them that I will let them know after they pay {$15.00} to my XXXX account. They usually unceremoniously hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: IA

Complaint narrative:
This complaint is in reference to dispute case : XXXX with SIMPLE bank ; soon to be BBVA. On XX/XX/2020 XXXX charged my shared bank account {$9.00}. This had been going on for several months. I attempted to resolve this issue with the merchant as they did not have authorization to debit my account for that amount. XXXX had no record of our ATM/Debit card on file for any of our accounts. I believe there was still an issue on their end that was causing our debit card to continue to be charged. I had my debit card cancelled and a new XXXX issued 3 times with SIMPLE, however each time XXXX was able to obtain my card and continue to pull money out of my bank account. SIMPLE did XXXX to stop this from happening. On XX/XX/2020 I contacted SIMPLE via phone and online support and advised them of the unauthorized, fraudulent transaction from XXXX XXXXo {$9.00}. They agreed to review. On XX/XX/2020 I received a message from XXXX with SIMPLE Fraud & Disputes stating that they denied my claim for the reason : -The cardholder has established history with disputed merchant ( s ). The only reason for the established history is that XXXX had been charging my card fraudulently for the past 4 months and each claim was approved in my favor since I never authorized my card. I believe XXXX is purposefully discriminating against me because I'm a XXXX and causing me unjust XXXX XXXX and XXXX. I believe that XXXX is not taking into consideration that EVERY SINGLE claim previously filed against XXXX and their illegal business practices were approved in my favor and the stolen funds returned back to me. I want XXXX and SIMPLE reviewed and I want my {$9.00} back that was stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
Robinhood has stolen {$50000.00} from me, and is denying me access to an additional {$65000.00} in existing funds. and there is no way to communicate with them. Their phone numbers only play a recording, and they do not respond to emails. I have sent over 15 messages via email with no response. On or about XX/XX/21 I received a notification that a recent transfer XXXX deposit into my Robinhood account ) was reversed and my account was put into a restricted state where I can not trade. I was asked to submit photo identification through their Robinhood app, which I immediately did. I currently have a balance of {$65000.00} in my Robinhood account. All of these funds were fully cleared and no part of this balance was provisionally credited or pending. I recently made 3 transfers into my Robinhood account from my linked bank account. 

Transfer 1 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account and posted to my Robinhood account Transfer 2 - initiated XX/XX/21 - {$50000.00} - this total was successfully debited/withdrawn from my bank account this but was NOT CREDITED to my Robinhood account. They falsely state that this transfer was reversed. However, the funds were in fact taken from my bank account, which I also confirmed with my bank. 

Transfer 3 - initiated XX/XX/21 - {$40000.00} - this transfer was NOT taken from my linked bank account. The funds were available in my bank account, but for reasons unknown the transfer was never initiated/withdrawn. I have submitted this transfer again on XX/XX/21. 

Transfer 4 - initiated XX/XX/21 - {$40000.00} - this transfer was successfully debited/withdrawn from my bank account but is still shown as pending on Robinhood and not credited to my account. 

I am unable to contact Robinhood in any way for several days now. Their phone numbers only go to a recorded message and do not allow voicemails. Their app has a contact form which I used several times to send messages regarding this issue, but no response is ever given. I have sent over 10 other emails and replied to automated responses sent to me ( the emails sent to me state that you can reply to the emails ) and also have not received any response. I have been contacting Robinhood via email constantly since XX/XX/21. My Robinhood account number is included in the full complaint attached. I have also attached proof from my bank that the funds were withdrawn as stated in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax should not be reporting me as an authorized user on the XXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: WA

Complaint narrative:
Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17 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: VA

Complaint narrative:
On XX/XX/21, I wrote into each bureau identifying inaccurate and unvaried items. As of today over 30 days later I have not received a response. I feel like Im on a hamster wheel going around in circles. As I'm learning about disputing these items I discovered my information was impacted by the Equifax data breach and now more than ever I believe my information may have fallen into the wrong hands.

Company response to consumer: Closed with explanation