vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
bank of America California Edd card. Claim number XXXX. I have Called BofA many time only put on hold for hours. They lied to me they told me EDD toke back {$1500.00} from me not them. When I ask how I can contact Bank of America lawyers. They told me to XXXX it. Bank of american is frauding the People of california. In XXXX they took {$1200.00} from me they never deposit it on my Unemployment card. I ask about it they said we dont have Records that far back. So I wrote 5 state senators. In XX/XX/XXXX. Not one contact me back. So all this happen around XX/XX/XXXX. I went to the BofA and {$2000.00} was gone. I called and some how {$2000.00} was gone when they have a {$1000.00} a day limit on my card. How? Can that happen they turn off my card on me for trying to get {$100.00}. I am being harassed by bank of America. So I get a letter your funds are now permanent {$1500.00} they put the {$2000.00} back on my card. Thank BofA. Three months later they take it back. Say I am suspicious activity. And the claim is closed. I live in a Federal park. XXXX when the money was take by BofA. this is no longer a state issue. I will contact the Federal Reserve if need. I should have called the US Park Rangers. But Bofa said they would try and fix it that was in XXXX. My cell XXXX and my Name XXXX XXXX XXXX XXXX XXXX ca XXXX thank and have a nice day.

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 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

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 2020-11-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I opened a XXXX store credit card a little over a year ago. Everything was going well and I never had an issue. A few months ago I received a notice that my XXXX card would be converted into a MasterCard. 2 Months ago I noticed XXXX removed the Credit Card and its history from all 3 of my credit reports. My credit score has dropped over 50 points because of this. Im requesting you add the tradeline back to my Credit Reports.

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I C Systems is trying to collect the amount {$1500.00} and has is on my credit report as collection. 
The actual account is XXXX ( electric company in XX/XX/XXXX ) the Service address is XXXX XXXX, XXXX, XX/XX/XXXX XXXX. Service date : XX/XX/XXXX through XX/XX/XXXX. 
****I never lived that address. During the service dates I lived in XX/XX/XXXX. I moved into my Apartment in XXXXXX/XX/XXXX XX/XX/2018 and still currently reside at the same apartment. 
I have NEVER given any permission in my lifetime for anyone to use my name, ss number or any information to obtain services or anything. 
***I do NOT owe this company for this amount. 
I contacted XXXX and they still say I will owe it. I filed a dispute through XXXX and the I C Systems states I still owe it. IT IS NOT MY ACCOUNT I had XX/XX/XXXX put out an alert for my id to be seen physically before anyone can use my info at all. I hope this helps but for this XXXX account ( REF # XXXX ) I want fraud placed with this account Thank you, 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 explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On the date of XX/XX/2018 chase bank allowed my business partner who by the way was fraud I entered XXXX dollars to a business account owned by chase transferred from my personal XXXX XXXX account. I was never told that any money was being taken from the business account by chase. I partnered with a female named XXXX XXXX who was the individual who stole all my savings stating that we can open a business together and once I transferred my funds she stole the money I was never notified that any funds were being stolen being the primary account holder and the one who entered the funds in the account I should've been told something but I wasn't this women was allowed to take my business funds I went the bank to find out about the account just to be told I was left with XXXX dollars I have all transactions she has made that did not include the business she was taking personal trips and flights with my funds. J.P. Morgan chase bank located in XXXX ny XXXX XXXX branch XXXX account number XXXX the amount again was {$150000.00} dollars I was also told that being as thou she was my partner they can't help me get my money back and they closed my account I was never notified about any transactions regardless to the fact I should've been alerted and no email no bank statements were sent to me nothing from the bank describing deductions. I now have all the statements being as thou I went to the bank my self without any knowledge of what was being done within a week all my funds were stolen out the account and she transferred the rest of my money to a her private account and opened a business in her own name with my funds please help. I have reported this to the FBI as well and hope to get the help I need complaint numberXXXX as it states in the statements she transferred funds to another business which is weird because this is already a business account and in the statements she has the business she owns on her own she transferred XXXX to a check please look into this I should've been notified and I wasn't about any of this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This company did a hard credit check on my XX/XX/XXXX credit report on XXXX. I've heard of their agency before but I did not give them permission to check my reports. I've had other agencies to this in the past and have caught them and they finally stopped ; however I've dealt with this company before and they were trying to collect on a 15 year old debt from me in the past with harassment. 

Since they are not a lender and debt collector, they checked my credit report illegally, assuming to get current contact information or other information they could use. THIS IS ILLEGAL as they had no permission to do so. 

I have also ordered my XX/XX/XXXX and XX/XX/XXXXreports and will create another CFPB complaint if I find them on there as well ( for each one ) ... 

STOP IT or you will pay damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XXXX I closed all my accounts with Associted Bank a total of 3 accounts. They are trying to reopen our accounts because there were some debts that were taken out of the account XXXX. That were not authorized. These accounts are Closed no more transactions should be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: GA

Complaint narrative:
EQUIFAX has refused to delete a collection account from my credit report even after the collection agency that initially furnished them with the information sent them a delete letter and an auto delete request. After I initially disputed this with EQUIFAX the account was changed to PAID but remained on my report with a XXXX balance. I contacted EQUIFAX again and provided and provided the letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MDS ) sent to all the credit reporting agencies on XX/XX/2020 asking them to delete the collection from my credit file. Whereas XXXX  and XXXX  deleted the collection from my credit file EQUIFAX went ahead and changed the status of the account to UNPAID. 
I have called EQUIFAX many times and uploaded the letter from XXXX ( see attached. ) When I called them yesterday ( XX/XX/2020 ) they acknowledged receiving the letter from me but stated they can not delete the collection because they allegedly have not received it from the information furnishing company. I offered to forward them the email from XXXX stating that the letter was sent to ALL the three agencies and also attempted to give them the AUTO DELETION number XXXX provided by XXXX on XX/XX/2020 but they refused to take it. This has significantly affected my credit rating and hindered me from moving on with important family projects.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: ENOVA INTERNATIONAL, INC.
State: IL

Complaint narrative:
I got a call from XXXX XXXXXX/XX/XXXXin XXXX, IL stating I owed Cashnet USA a debt from 8 years ago. I remember the debt but dont remember if it was paid as I owed one other payday loan company as well. I was going to pay the debt but they claim to have had system issues and would call me the next day. I got suspicious when I didnt get a call and looked up the company online and found nothing. They have since called my mother multiple times and Im not sure how they got her number. Theyve also been calling me at least 5 times every morning. Ive received no official statement saying I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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:
I filed a fraud claim with Bank of America pre paid for XXXX $ within the time limit someone stole my money I waiting 20days they havent got back to me told me my claim was denied for no reason and keep hanging up on my I got evicted due to this my kids cant eat now and Im in the street during covid 19 due to these 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 explanation
Consumer complaint received 2020-11-20 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: The CBE Group, Inc.
State: UT

Complaint narrative:
Re : XXXX XXXX XXXX XXXX CBE Group is reporting a debt on my credit file that is not owed. I recently pulled my credit report and noticed that these debts are on my credit. I called the hospital directly and applied for financial hardship with them and took care of these debts through them. CBE however, is still reporting the debt on my credit file for something I no longer owe. This is erroneous and all accounts I had with them need to be removed. The debt has been solved and should no longer be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Asset Recovery Solutions, LLC
State: SC

Complaint narrative:
On XX/XX/2020 a message from XXXX XXXX at XXXX was left on our departments voicemail stating I had a debt and who debt collector spill. I not only do not have outstanding debts with this company but they have been verbally warned not to call my place of work. They have repeatedly called leaving time in between each call.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XX/XX/2016 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX Ref # : XXXX Acct # : XXXX Property : XXXX XXXX XXXX XXXX XXXX, NY XXXX I am filing this complaint against JP Morgan Mortgage Acquisition Corp. JP Morgan is currently the holder of our mortgage but the servicing is handled by Shellpoint , whom we have also filed a complaint against. I have tried contacting JPM directly but they do not have our loan on file, which is shocking. 
We have just ended a 6-month forbearance on our loan, due to financial hardship, with the understanding that we would be able to defer all or some of our missed payments. When our forbearance ended, XXXX notified us that we could not defer our payments and needed to make a lump sum payment or our account would be in default. When I asked for more information on why we couldn't defer our payments after being told that was an option, the only response I have received is that " our client '' will not approve the deferment. 
XXXX has told me many times that JP Morgan will not approve a deferment on our loan and there is no reason given. I find it an unacceptable practice that we were given an option for deferment at the beginning of our forbearance, but when it ended, that was no longer an option and there was no reason or explanation given. We feel JPM would like us to foreclose on our house and try to sell it for a profit. That is what seems to be happening. We have heard other banks defer full forbearances without any question. I demand an answer and at least partial deferment on my past forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.

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 2020-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
This company is in the business of predatory lending. They also charge misalanious fees that they call late fees or payment fees. It ruins consumers credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OH

Complaint narrative:
On Thursday XX/XX/2020 my paycheck was directly deposited into my new Chime account. On Friday XX/XX/2020 Chime suspended my account claiming that the direct deposit deposit did not comply with Chime 's policy. They refuse to tell me how it didn't comply. I have sent Chume all of the documents they have requested in order to lift the suspension. I have spoke with their customer services multiple times over the last 7 days and nothing has been resolved. I have no access to my account seeing as they locked my out of the app/ online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: OH

Complaint narrative:
Dear M'm/Sir : I am a XXXX year old citizen on Social Security. 
I received a letter in the mail yesterday, dated XX/XX/2020 demanding that I owe {$1500.00} to Alliance One Receivable Management Inc XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX Acct. XXXX. I don't know they are. On closer inspection it says their client is XXXX XXXX. 
This shocked me to the core. 
I didn't have any credit card from that bank. 
Now ... it makes sense ... I have been receiving several phone calls made to me for several weeks from XXXX -- XXXX ( I never pick up the phone unless I recognize who's calling ) I am on pins and needles since last night with worry and anxiety. 
Either this is case of ID Theft ( as it happened to me a few years ago ) or it's some serious case of Fraud to terrorize a senior citizen. 
I am speechless. 
I hope U.S.Government punishes these domestic terrorists so they can't terrorize others like me. 
I live in a public housing and am struggling to keep the wolf from the door. 
I need and seek your help, please. 
I don't know what else to do. 
Thanks, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief