vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-04 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: AZ

Complaint narrative:
This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with XXXX XXXX First complaint ID with Equifax XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX stopped at the Bank of America in XXXX, California to use the ATM to make a credit card payment using cash since it was after business hours. I put in {$2200.00} in the machine which counted the currency and returned {$100.00}. When it asked if Id like to insert more bills I reinserted the {$100.00}. The machine froze and started repeatedly beeping. Once unfrozen the ATM screen showed We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I called the 800 number and submitted the claim and was told to expect a resolution in 7-10 days. I called the branch at opening XX/XX/XXXX and was told they didnt need to file anything or be informed after the claim had been submitted to the 800 number. I did not receive a response and followed up XX/XX/XXXX and was told that the new resolution would be XXXX XX/XX/XXXX. Upon calling on XX/XX/XXXX, I was told that the claim was closed and then transferred to the billing dispute department and was told that the claim is still open and ongoing and can take up to two months.

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 2021-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had opened a dispute claim Case opened : XXXX. And it got denied basically over night. Within a few hours. I hardly think PayPal reviewed, investigated my claim in a matter of a few hours to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: WI

Complaint narrative:
They report two collections account on my credit report Validate the accounts or delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 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 sent a letter on XX/XX/2021 and i have not received no answers. I am such in distress and i feel like my letters get ignored. I pulled my credit report and there is unauthorized used of 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 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was told XX/XX/XXXX my account was scheduled for closure after trying to use my debit card. I inquired with the customer service team as to why my account was scheduled for closure I was told per the clause in the contract I signed I was able to close the account at anytime and the bank reserves the right to do so as well. Multiple employees stated the same thing. I have been a Bank of America customer for years and I have never had any fraud issues with my account. 
After withdrawing my funds I was told it would take up to 2 weeks for a full account closure to be done. It would show closed to them but I could not use it. 
On XX/XX/XXXX I had an automatic deposit posted to my closed account ending in XXXX. Assuming its well past the 2 week timeframe of closure that the amount would be closed to sender. XX/XX/XXXX I contacted Account Closure department and asked what the return timeframe was the rep stated 3-5 business days and I asked if she saw anything in my account she stated no. Today is XX/XX/XXXX the sender of the check contacted me and stated no funds had been returned so I called BOFA again I was told that there indeed was funds in my account and I was told it was okay to go withdraw. I go to the Bank of America on XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this is the umpteenth time I walked in and either there were no tellers or their system is down. Every time I enter this location theres some sort of issue

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One Secured card in XXXX and paid them a deposit to add to the account. I was XXXXXXXX XXXX XXXX at the time and preparing to move residences. I had a hold mail request that was to have all mail held by the USPS carrier, but once I was released from the hospital the mail was not available at the local post office. I have a claim with USPS, and they ended up forwarding mail to my new address as of this week. I tried speaking with customer service people with Capital One multiple times to not only cancel the original card but also issue a new one to me at my new address.

As part of this process, Capital One requires a ridiculous amount of Identity checks to resolve the issue. When calling Capital One it takes at least 30 to 60 minutes of hold time to simply get a human being to work through the issue. I worked with two different representatives who had me utilize a link to upload a copy of my State-issued ID. I did this in real time, but for whatever reason they would not confirm me. Their automated system makes decisions and would not recognize me. What's crazy is I then escalated and simply wanted my money back to only be told it will take up to 90 days. 

How can it take 90 days when I sent it in an instant and why can't Capital One simply figure out the issues? The customer service representatives are in a XXXX or other call center and simply are not equipped to handle this issue. I can not deal with this with my health and just want my money back at least. I tried to escalate with supervisors and management, but these people just don't care and refuse to work through the issue. I regret even giving them my money at this point. I can't even get a call back from this company. 

This is what's wrong with XXXX. A lack of proper controls and customer service. It is considered theft when a company has these sorts of ridiculous practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Palm Beach Credit Adjustors, Inc
State: GA

Complaint narrative:
Called Focus Financial today because there were five collections on my credit report from them. I never received any written notification before it was put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am writing this complaint because I am a loyal costumer of Wells Fargo and have been for years. I recently feel very strongly that Wells Fargo is mismanaging my account and stealing from me for there own benefit. On XX/XX/2021 Wells Fargo charged my account with a reversal " payback '' credit in the amount {$600.00} and then again for {$370.00}. This situation then brought my account to the negative balance of - {$840.00}. I opened up my account and to my surprise there was NO funds available. I reached out to Wells Fargo immediately I was told by a teller and a financial analyst by the name of XXXX XXXX that on XX/XX/XXXX the money I am seeing come from my account is a reversal of a temporary loan I received each time I received a government stimulus check. My problem is, had I receive proper notification of when this money was to be paid back I would've had adequate funds present in the account. We all have technology whereas we can see if emails were opened and/or received. Wells Fargo can see ALL activity happening in my account before I do. Their computers are far more advanced then their mobile app. I was Never aware these funds would come out of my account on said date, Wells Fargo should have PROPERLY notified me via text, and /or phone or email. This has really cause me financial hardship. I requested a freeze of all withdrawals on my account to be stopped, which I was told there is no possible way. I've attached documents proving how negatively this has effected my daily life. I have received numerous emails from Wells Fargo in the past about unpaid debts, overdraft fees and even promotions, I strongly believe I personally did not receive a date emailed to me about this reversal fee because their intentions were to steal from my account for their own gain.

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 2021-11-04 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Transferred to XXXX financial to handle payment processing in early XXXX alleging " acct significat past-due ; '' pmts on-time ; changed to another collection agency for processing pmts. no contact ; could retrieve statments using URL available through instructions. Told acct not handled by American Express. I have not received statments in nearly four ( 4 ) months despite continuing to reside at same address. 

Received first communication from second agency XXXX on XXXX XX/XX/XXXX claiming " opportunity to regain card membership. '' Prior reinstatement agreement cancelled by AMEX alleging " significatly past-due. '' In light of this " offer '' allegation of serious past-due payment seems to have been ploy to reduce risk exposure by cancelling out garunteed reinstatment of high-tier card ( platinum ) to place in lowest-tier card without any benefits with annual fee. 

AMEX claims this " new '' reinstatmenet through XXXX is because of my prior " relationship '' with Amercan Express, yet it was that same " relationshp '' American Express alleged caused the account to be closd in XXXX after a double-payment in an alleged single statement period caused computing system to allege payment was late for subsequent month ( s ). This was also after AMEX " lost '' a two-thosuand dollar payment that was wired to them through the FED a few months prior in that same year.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
18 U.S.C. 1029 ( A ) ( 6 ) is intended to address fraudulent " solicitation '' ( B ) selling information regarding or an application to obtain an access device. 

Third party collection furnished an account for me using my personal identifying information without my consent or valid contract. This agency is participating in soliciting activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.

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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
There are 3 addresses reporting to my credit. Please update my address to only one address. That address is in the attachment of this complaint. This is my current photo ID with my license. There is also a copy of a utility bill serving as a second proof of residence.

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 2021-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, I had to file for bankruptcy ( ( Chapter XXXX ) due to my husbands illness. Since that time, Ive paid {$4500.00} per month to eradicate my debts. In XX/XX/XXXX, I eliminated my mortgage arrears while never missing a mortgage payment. After I eliminated the arrears, my former mortgage company, Wells Fargo, sold my loan to another company, XXXX XXXX XXXX. Wells Fargo Home Mortgage then erroneously filed a report stating that I was 150 days past due and was in foreclosure in XXXX, after the loan was sold. 

Since then, I entered into a contract and sold my house, while also entering into a contract to buy a new house. The proceeds from the sale of my house will allow me to eliminate the remaining debt, pay off my old mortgage and incur debt for the new home, all of which has been approved by the Federal Bankruptcy Judge. Unfortunately, the reporting of 150 days past due and foreclosure filed in XXXX by Wells Fargo is on my credit report and prevents me from qualifying for a FHA loan, despite proving there were no late payments and the house was not foreclosed on. 

Please help me! The tactics of Wells Fargo are duplicitous and erroneously incorrect. At this point, my husband and I may be without a home as of XX/XX/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 2021-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Sometime in XXXX, 2021, I apparently created a TransUnion account with my credit card information on it. I was misled into paying for their services, unknowingly, until today, XXXX, XXXX, 2021. Every month since XXXX, 2021, my credit card was charged {$24.00} and I did not catch this until today. When I called to cancel my TransUnion account, the person I spoke with refunded me for two ( 2 ) months of charges. The refund was appreciated, but I am still very upset that I was essentially being scammed for over half of the year. The customer support person from TransUnion said that I signed up to recieve a " free credit report '', but I must've " accidentally checked a box '' for a subscription. I would have never signed up for their credit monitoring services, so this makes me very upset.

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 2021-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: CA

Complaint narrative:
It has come to my attention that Discover Card has been charging me for an OPTIONAL Payment Protection membership without my knowledge or consent since XX/XX/XXXX despite being a customer since XXXX. As you can see from the attachment, their records only go back up to 24 months, and there is no such payment for late XX/XX/XXXX. I have never received any information about this so-called Protection plan in XXXX. I have attempted to cancel the membership today, XX/XX/XXXX, through their website and will see if they will indeed cease these unnecessary monthly charges. It is my understanding that Discover has been previously sued and penalized for this sort of shady, greedy practice, but the program still exists in a way where customers seem to be automatically enrolled into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Bank took over all of my BBVA accounts as part of their merger/purchase. My checking account and credit card account are visible on the PNC website and funds are available. However, I also had a Savings Account with BBVA, account number XXXX XXXX XXXX, with a balance of {$3200.00} which as " disappeared ''. It is not listed on the PNC website. I contacted PNC and after much difficulty, was able to speak with an agent who informed me that the Savings Account was used as security for my BBVA credit card, and that PNC does not use Savings Accounts for credit card security. She explained that the money from that account is now simply a " deposit '' for the credit card. I have no receipt for that money and PNC is not willing to provide me a receipt for the money. I have a credit card with a limit of {$2800.00} and a Savings Account that had a balance of {$3200.00} - a {$380.00} difference. All I want is a receipt for the funds that were in my Savings Account and a final savings account statement showing what happened to the money that was in it. Right now, I am missing {$3200.00} with no savings account and no receipt showing where that money is. If PNC can not provide a receipt, I want the credit card cancelled ( there is no balance owed on the credit card ) and a check mailed to me ASAP for the {$3200.00} that was in the savings account that PNC closed. 
Thank You

Company response to consumer: Closed with explanation