vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I deposited in my checking account number XXXX at Bank Of America that is opened under the name of XXXX XXXX XXXX, XXXX the check with number XXXX for the amount of XXXX dollars dated XX/XX/XXXX from XXXX XXXX. The check was deposited ONE TIME and the funds for the check posted ONE TIME to my account. 
On XX/XX/XXXX the amount of XXXX dollars was pulled from my account stating that the check was double deposited which is false statement.

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 2021-01-27 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: GA

Complaint narrative:
These incorrect reporting accounts are adversely affecting my credit report and costing me tons of unnecessary interest every year, This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem addressed immediately and I should not have to wait another moment especially when it has already been 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isnt that what the law states.

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 2021-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
A bank in my locality provided a deplorable and disgusting service. Insulting and discriminatory in term of race, color and ethnicity. This matter was verbally reported to CFPB associate over the phone. I visited M & T bank branch in my locality to deposit a check into my personal checking account maintained at that bank. That check was issued by my own business account from different bank. The payee is myself. The teller and another female bank employee took my check, shut the window down, refused to provide me receipt for check deposit and called in police by providing falsified information that I have been trying to deposit fraudulent check. The insults, disrespects and reckless violation of the rights of a citizen was not ended by that point. The bank employees continued to provide wrong information to the law enforcement with an evil intent that could have caused severe physical damage and harm like that of " XXXX XXXX '' of XXXX, MN. The bank practiced an imminently disgusting racial discrimination by using law enforcement as tool and confiscated my check by force, refused to provide me official receipt with seal and stamp. I did not authorize for that transaction. Later, I found out that the check was " QUIETLY '' cleared and deposited without my consent and knowledge into 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 2021-01-27 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: FL

Complaint narrative:
On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court Southern Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 Chase closed my account without notifying me thru mail. I am not sure when they closed my account. I just found out today that my credit card xxxx xxxx xxxx XXXX is closed and I lost my XXXX reward points. 

I also have problem with chase website that kept popping asking for paperless every time I log in and I could click the paperless instead of paper. i always setup paper. That's why I missed the payment. When I called that the reason they give me is i did not pay or I missed payment. That's the only payment I missed and it is not on purpose. I have never missed any payment and always pay in full. All I am saying I missed payment chase already charged me interest and fees and chase dinged my fico score, isn't that enough? 

But for closing account, regardless chase at least notify me thru paper mail and give a chance to transfer my points to another accounts if they want to close the account. My reward points worth {$2000.00} and i only owe around {$200.00}. I earned that reward points. 

I attached the statement. I usually write down when I paid and which bank I use to paid. See the attached

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been a victim of identity theft. When I found out I immediately created accounts with all 3 credit bureaus and freezed my credit. The person that stole my identity was able to easily bypass the username and password on Experian.com by simply creating a new account they had everything they needed ss #, birthday, address, etc. They pulled my credit report and with that information tried to hack my other financial accounts. Why does Experian not have two factor identification? I rest my password and email with experian and the person that stole my information again created a new account and email. Is there no way to stop someone from accessing your credit from these credit bureau agencys?

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: TN

Complaint narrative:
I was approved for a line of credit in the amount of {$20000.00} from XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. The line of credit was to purchase custom window on XX/XX/2017 from XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX. There were issues with the original contact, I contacted XXXX XXXX, did another contract which changed the total price. I called Greensky to cancel my contact, I also called and physically went to XXXX XXXX to cancel my contract as well. The following week I received a bill. I have all documentation and correspondence with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: FL

Complaint narrative:
On XX/XX/XXXX i mailed my 1st dispute via certified mail XXXX to XXXX, PA XXXX marked delivered on XX/XX/XXXX at XXXX XXXX. They responded in a letter dated XX/XX/XXXX saying they were unable to process my request. I resubmitted dispute which tracking XXXX shows delivered on XX/XX/XXXX. The completely ignored my request until my 3rd letter they received on XX/XX/XXXX via XXXX. They responded in letter dated XX/XX/XXXX which surprisingly stated our records show that we have previously completed an investigation as verified by data furnisher. When in fact they stated on XX/XX/XXXX letter saying unable to process my request and my 2nd letter was ignored? I am confused. Now in this last letter they mentioned the rule " As outlined in the FCRA, unless you have additional relevant information that supports the change you are requesting ( i.e., a letter from creditor or courthouse .... ) we are not required to reinvestigate the same item again at this time. '' My 4th and final letter which I will attach contained a letter from US Bankruptcy Court Office of the Clerk XXXX District of Florida dated XX/XX/XXXX. My letter was once more ignored. Recently, I applied for credit and was denied due to this information. Upon receiving my report as requested from them dated XX/XX/XXXX, this public record is still not removed USBK Court XXXX Florida. I have been more than understanding with the changes with COVID-19 might delay processes but the rules are the rules and now I believe that I have been taken advance of. They have failed to maintain the regulations and I need this public record deleted. Thank you!

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have never shopped at XXXX XXXX XXXX in XXXX, IA and This company is stating I had a credit card out for over {$400.00} and I never applied for one let alone I have never shopped at this place. Please remove this from all credit bureaus and off my credit report as this is hindering me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NY

Complaint narrative:
XXXX, Transunion and XXXX have consistently abused their assumed position of being consumer reporting agencies. The misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance Owed : {$200.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance Owed : {$0.00} - I would say the account position that is presently confirming on my credit information has a severely unpleasant impact on my capacity to acquire approval to get a current loan inquiry, I highly recommend you provide verification that this has been documented suitably in accordance with the Fair Credit Reporting Act directives, this is a crucial matter to mis-report. My proper demands have to be examined as soon as possible. If you're unable to confirm this information as being 100 % correct please make sure you remove this instantly.

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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BYL Collection Services
State: FL

Complaint narrative:
To Whom it May Concern, I applied for a lease in XX/XX/XXXX with an apartment complex ; The Academy on XXXX, and signed it in XX/XX/XXXX before knowing that my university would cancel in-person classes nearly six months later. I never paid a security deposit, never paid first and last rent, never paid a single dime to the landlord ; all I did was sign the document. Exactly 30 days before the lease would start on XX/XX/XXXX, I told the landlord over their messaging portal that I want to exit my lease ( despite there being no exit option ). He told me no, and I said I wasn't going to pay it. I got no response back after that. Two months later at the end of XXXX, he sent me an eviction notice and charged me the full 12 months of rent ( which is illegal under Maryland 's rental code ), selling the debt to BYL Collections. I got their written notice a month later around XX/XX/XXXX, responded by certified mail that I was disputing the debt, asked them to verify it, and verified that they received it. This month when I got my monthly credit report, my score had dropped over 100 points due to their inaccurate debt collection. 

XXXX XXXX on XXXX and now the illegal collection attempt by BYL Collections are taking part in an illegal move to circumvent Covid19 restrictions handed down by the very university which acts in accordance to federal oversight and mandate for social distancing in response to the pandemic. 
Furthermore, I had acted in good faith before the pandemic and can not be held accountable for the pandemic itself or the aftermath of such a devastating ordeal. While I do not argue that I filed out the application I never paid a cent, never took possession of the property and was never evicted by anyone for any reason. Everything that has transpired has done so on paper by a company intent on bilking me of monies certainly not owed and holding over my head the ruination of my consumer credit files. 

Furthermore i am including in my documentation the code of Maryland which it is my belief and position that the landlord and by extension BYL Collections is violating, this over and above all the restrictions and federal guidelines in the application of Covid19 safety guidelines and Covid19 consumer abuse. 

I am asking that this agency intercede on my behalf, review the information and documents and contact the companies mentioned in my complaint, assuring that this issue which they have clearly not taken seriously, is rectified under the supervision of this agency. I am available to speak further on the matter and to provide any other information not provided in this complaint if any.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I, the consumer sent Equifax a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. Equifax 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to Equifax 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my right to privacy and defamed my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I, the consumer sent TransUnion a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. TransUnion 's agents have all infringed on my rights to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to TransUnion 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my rights to privacy and defamed my character.

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 2021-01-27 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: GA

Complaint narrative:
I pulled my credit reports from annualcredit report site and see continued reporting of errors on all 3 reports. There are 20 addresses on my XXXX  report that are not mine, 9 incorrect addresses on my Equifax Report, and 25 incorrect addresses on my XXXX  report. These addresses are not former addresses of mine and I have NEVER lived there. I am concerned of possible fraud or mixed information from someone else, but these addresses and misspellings of my name need to be deleted. This is so unacceptable. XXXX  and XXXX  is also reporting multiple incorrect phone numbers that are not mine and never have been. 

In addition to that, there are several accounts on my credit reports being falsely and incorrectly reported. I have disputed all of the inaccurate personal information and addresses multiple times on XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20 including several phone call attempts, but no one is able to help or remove this information. It's ridiculous! I've asked the bureaus to provide me with verification of where they are getting the inaccurate and inconsistent information from on the following erroneous accounts : XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX There is so many inconsistent reporting shown and it's the bureaus responsibility to thoroughly investigate information with the original creditor for complete accuracy which it's clear as day that they have failed to do this. I haven't received any correspondence and the inaccurate items still remain on my report after I've submitted multiple letters pointing out the exact errors on my reports along with attaching my proof of ID and proof of address for verification. With all these wrong addresses there could be fraud on my account for all I know. I'm highly frustrated with the negligence.

Company response to consumer: Closed with explanation