vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
On XX/XX/2021, my husband I and went to BOA ATM at around XXXX to make a deposit of {$2900.00} to ATM ID XXXX. The ATM took the full amount, shown an error, and returned to normal screen. The money was never credited to my account or returned to me. We stayed around the ATM to make sure the camera captured us.

We submitted a claim, XXXX, and BOA declined the claim twice already. BOA said they SAW us deposit the money in the ATM. However, they did not find extra money in the ATM. What? Does that even make sense?

Let 's not talk about how much money was deposited. The FACT that your camera evidence shows that we brought Cash and deposited some cash to the ATM on XX/XX/XXXX AND you can't find additional cash in the ATM, there were obviously errors related to the ATM. Let me present you with a scenario, when there were errors with the ATM, it is totally possible that someone within BOA, either an employee or contractor, could have stolen the cash when performing reconciliations and knowing such error existed. Let 's say if he/she found cash on the next day, he/she could have taken the extra cash and said the cash was balanced.

Another scenario is that when the ATM is faulty, someone who deposited money next to me could have received an additional {$2900.00} when depositing their cash, making cash balanced at the end of the day. If they get extra {$2900.00} in their account than what they deposited, would they call BOA and say so? I don't think so. In this case, cash would have been balanced, and you wouldn't find additional cash because it already shows as deposits in other accounts.

There were so many things that could have gone wrong when the ATM is faulty. And when you said you can't find record of additional cash, it OBVIOUSLY means that your ATM is faulty. And if your faulty ATM doesn't allow you to do find additional cash, then you must credit your customer because it is your fault for operating a faulty ATM machine.

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 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: MD

Complaint narrative:
I was hoping to be able to see a week go by without needing to open a complaint against EQUIFAX, who for some reason has been persistent in screwing up either my or my wife 's credit report, or both. This time it's about a score decrease that at the same time that a new credit card was reported to the three credit bureaus, the score increased as it should on my XXXX credit report 51 points and on my XXXX  31 points. 

Now the change to my Equifax reporting was just the opposite that resulted in a 31 point DECREASE in point score that puts my Equifax score back down to their number XXXX which is what they have in the past locked my credit score at ( meaning regardless of payments made the score does not change ). It is always an ongoing battle to get Equifax to correct the intentional " errors '' that constantly make sure are in our reporting ( look at the plethora of complaints ) files this year only. No need to mention that they have been on a mission to keep our credit scores below a certain threshold to name just one of the ongoing problems we've been consistently fighting to get resolved. 

They will respond to this complaint as they do with the various others saying they will investigate, get back later, need more time. But has NEVER address any of the complaints to correct the wrongful damage they continue to render to our credit reports. 

See attached screenshots ... 

Both my wife and my credit accounts have no negative accounts or payment history for nearly two years, yet they are determined to make us look bad. They have even deleted a paid and closed accounts from my Equifax reporting that they provider confirmed on yesterday in a letter to me that they have asked Equifax to put back. We told that my wife and I are apparently targeted ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
On XXXX I had an XXXX at XXXX XXXX that cost around {$9700.00}. 
The balance of that was to be paid by insurance and the drug company where I would owe only about {$5.00}. After reviewing my statement about 3 months later, I noticed that the drug company portion had not been paid. I inquired at XXXX XXXX XXXX  to the newly hired person that admitted to me That the drug bills had not been filed since he was there. 
This caused a problem. XXXX XXXX sent a collections agency an amount I owed of XXXX. 
That amount was never billed to me or even appeared on any statement. Simply I did not know I owed It. I have had similar problems with them in the past. Someone from the government needs to get involved here as this is a system wide problem and there is no telling how many people are being affected by this. We need Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CarMax, Inc.
State: NJ

Complaint narrative:
I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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:
XXXX Opened XX/XX/XXXX XXXX XXXX # XXXX  Opened XX/XX/XXXX *Fraudulent Account THESE ACCOUNTS DOES NOT BELONG TO ME THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accelerated Receivables Solutions
State: MI

Complaint narrative:
On XX/XX/2021 I was checking my consumer credit file and noticed an account from ACCELERATED RECIEVABLE for the amount of {$68.00}, I never recievd proper documents from this company. They have violated mutiple laws including 15 U.S. Code 1692e.False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: IL

Complaint narrative:
I recently sent in a dispute for an account on my report XXXX acct # XXXX. In stead of researching and verifying the information I supplied to them they updated once again to what the letter I sent in stated. The bad part is, the account is included in my bankruptcy and now it says it is late and past due. How did they fix my dispute or correct the account. They did not verify any information from the creditor. I had asked them to remove the item and instead they updated it with false information and have further damaged my credit and reputation. I have attached a letter of what I sent them and a copy of a document showing it is in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am currently trying to repair my credit with TransUnion. I sent my first dispute letter Certified Mail on XX/XX/21 and the second dispute letter Certified Mail on XX/XX/21. Both times Transunion have claimed they did not receive it. I have to call both times for an update. I do not see any updates on the website. All they did was send me a 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 2021-07-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
A collection agency bought an old debt and then re-aged that debt and added it to my credit report this year. The agency sent a letter offering to settle for far less than the original amount. DOFD is now approximately XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
They wont approve me fir a credit card their system doesnt even check my credit to see when I call they refuse to assist me tell me no that based on a past account this is nkt what they told me it was closed due to credit reasons I was told I would be able to have a card and reapply but their system treated me horribke without even trying to pull my credit and qualify me for a card its just canceled and internal reason

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In 2020 I was laid off from my job because of Covid-19. I just getting back on my feet and although I've tried to make payment arrangements with PNC they are refusing. I also requested proper credit reporting as required by the Cares Act and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Good morning, I have told Equifax that the inquiries did not originate from me nor did i authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I set up automatic payments at the dealership then received collection notice from BOA. I said lets set up auto payments AGAIN - I provided them with all info needed. Then I received multiple calls. I advised them to not call me. I received additional calls from an auto dialer when I specifically said not to contact me via auto dialer or in general to my phone number.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Visited home depot store, purchased {$3400.00} worth carpet and shop for credit card. It approved and till this date have not got any information/mail from bank. Every time calling them and getting to know account in review and not able to provide support or do anything at all. Credit card is from citibank. Within week got email that my statement and balance is due where bank is unable to provide me single paper or contact number from where to get my details. But telling me i can still make payment. Such a crazy logic. I have excellent credit and already dealing with 7 to 8 different credit card companies and banks. No body has this kind of service and really bad internal controls setup which are not helping customers and also not making any sense in banking.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Why wont chase approve me for a credit card each time I apply and a deposit account its Not Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Guglielmo and Associates
State: NM

Complaint narrative:
I submitted a validation of debt letter to Guglielmo & Associates, XXXX on XX/XX/2020 representing XXXX XXXX. Guglielmo & Associates, XXXX never responded to debt validation letter, nor submitted any information regarding the debt they were attempting to collect within the 30-day timeframe and continued to threaten and pursued legal proceedings. Legal proceedings were filed XX/XX/2020 by Guglielmo & Associates, XXXX representing XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Dealer Services incorrectly reported information to all the credit bureaus which has negatively affected my credit scores. THEY DID NOT PROCESS THE TOTAL GAP LOSS CLAIM, as identified in their letter to me dated XX/XX/2020.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Upon deciding to purchase 2 XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX, I called VENMO ( Merchant ) and XXXX XXXX  ( CC issuer ) to confirm I had protection in the event something were to go wrong with the transaction, XXXX and VENNO both confirmed no problem, " we have you covered '' via the dispute process. Therefore, I proceeded with the purchase and paid the seller via VENMO using my XXXX card. Payment 1 for bench 1 was paid on XX/XX/XXXX, {$270.00} ( {$280.00} with fees ) and payment 2 for XXXX  2 on XX/XX/XXXX, {$290.00} ( {$300.00} with fees ). After XXXX XXXX ( seller ) received payments, he did not send the XXXX  and updated on XXXX  messenger that he received my payments but, unfortunately, could not afford to ship due to personal financial constraints. I immediately contacted XXXX, XXXX, and, VENMO. Subsequently, I got the money back but a few days later was charged again. All of these companies assured me that I had full protection with this transaction but have turned their backs on me responding " there's nothing we can do. '' I'm an XXXX  card holder with XXXX, spending several thousands of dollars using this card and now getting no help from them whatsoever. In fact, the " office of the president '' called me 2 weeks ago asking that I return the call. I have tried no less than 10 times to reach XXXX at the " office of the president '' and can not reach her. 2 weeks after the fact, she called my mobile number at XXXX at night and I missed the call. There is no consistency as to when XXXX XXXX return calls and I'm never able to reach a live person. The CSRs at the general number as well as the dispute department will not give out any information other than XXXX ( XXXX ) will call you shortly. 2 months after the fact from the original payment and the seller continues to hold my money and advertise on XXXX and use VENMO. After I threatened the seller telling him to return my money, he sent me 2 broken XXXX that need to go into the garbage. Long story short, XXXX assured me that I had full protection using VENMO as the merchant and now they are doing nothing to recover my money after receiving 2 broken XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
I have an auto loan that has been closed. Ive called and disputed directly with Equifax and XXXX, but they won't comply or respond to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This complaint is in addition to complaint XXXX I have received several calls from chase bank multiply times of the day and evening and I keep telling each representative that my bank account should be under investigation in regards to the fraudulent activity that happened on XX/XX/XXXX and XX/XX/XXXX. I have been a long time customer with Chase and to be treating in such a manner is unbelievable. Each person that calls me tells me the same thing I am sorry but i don't see anything other than the closed claim. This is my primary bank account and now i will not be able to obtain this round of awarded payments for the stimulus because they direct deposit to be taken because of this overdrawn balance. I need to know that someone is handling this complaint and there is some movement towards getting this matter resolved.

Company response to consumer: Closed with monetary relief