vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-03 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: AZ

Complaint narrative:
Bank of America is NOT doing its part to promote and strengthen the middle-class. The XXXX XXXX in the U.S. from the " XXXX and XXXX '' corner store to localized upward aspiring XXXX 's are in perilous dire straits. In particular, a pandemic has obliterated and exasperated resources and reserves to historic 40 year lows. B of A is owned by XXXX XXXX. Which is owned by XXXX XXXX XXXX an American business magnate, investor, and philanthropist. He is XXXX of the most successful investors in the world with a net worth of over {$100.00} XXXX as of XX/XX/2022. The paradox is " XXXX XXXX XXXX '' is growing greater separating the middle-class from the " haves and the have nots. '' Arizona ranks 50th out of the 50 states in XXXX loans with XXXX lending support, resources and tranches to help our communities! B of A has policies and sophisticated contracts with a litigative team of attorneys to avoid accountability regarding its culpable practices like " ghosting '' and canceling accounts with no real recourse. I know first-hand as the owner of XXXX XXXX. Not only will B of A cancel your account, continue to yield interest on those funds, they will NOT disclose names, respond with an email or provide contact to resolve issues amicably. B of A and any other Banks operating in such a fashion require an immediate overhaul. How are they able to receive Billions in XXXX aid earning record profits and hide behind a wall of secrecy and one-sided policies??? B of A has thousands of my hard-earned dollars and wishes to play Whac-a-mole! Shame on Bank of America and XXXX XXXX for instituting such partisan policies. I have made several attempts to resolve this last contact was XX/XX/2022 My account number is : XXXX 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 monetary relief
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX XXXX XXXX and Experian disputing this Account with ( XXXX XXXX XXXX XXXX - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX XXXX XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX  ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03 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: LA

Complaint narrative:
I have submitted several letters to all 3 credit bureaus- Equifax XXXX XXXX XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account.

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL 3 BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE.

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account.

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL 3 credit bureaus and ( XXXX ). I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have been a customer with Td bank for many years. This last year to year and a half I have had to cancel my debit card numerous occasions because of fraud. On the XXXX of XXXX I noticed XXXX charges thay I did not make and I reported it and I was given provisional credit. I was then told that because after my card was closed the scammers didn't try to use it again that they took my money back. Last week Monday my husband had over {$5000.00} scammed on his card and has reported it right away and they once again canceled both of our cards and scammers have tried to use his since it has been closed as well. However it has been XXXX business days and they will not give us our money back or any type of answer on anything. XXXX basically owes me over {$6000.00} as there is proof the places are scams. Someone please help me. We can't even male our bulls now because we were first scammed by someone and now by Td bank. Myself amd my husband has called everyday to try to get resolution. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX  in XXXX XXXX XXXX reported me as 30 days late. This was due to an error on their side. I had signed up for automatic payments and they failed to set it up. Spoke with an individual that stated they would take care of it because it was not my fault. Stayed on XXXX called XXXX XXXX XXXX back and they stated they wouldnt change it. Tried to dispute with credit report agency and failed.

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 2022-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
This collection is from XXXX XXXX XXXX XXXX XXXX here in XXXX, XXXX. 
I had severe XXXX XXXX XXXX XXXX XXXX and was taken by ambulance to the XXXX 
Several medictions were administreed and after XXXX hours I was XXXX. This was in XXXX of 2021. XXXX XXXX, my insurance, paid over {$22000.00} ( I believe ) to XXXX. They came back with a remaining balance. A call to the collection agency was met with an argumentive and rude tone. When I rquested certain detailed invoice information, she refused and informed me I had to get that from the hopspital. XXXX charges for this service. I was also " seen '' by a total or XXXX docotrs, yet only XXXX was in the room and spoke to me. 
An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records The current amount of the debt as of when the validation notice is provided Information about your debt collection rights including how to dispute the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I fell victim to a credit card scam on XX/XX/22. I had just started a new job the week prior, and I got a text from someone purporting to be my boss asking me to go get gift cards for a presentation, that he was in a meeting so he couldn't talk, and I would be reimbursed by my employer. Because he was using them for a presentation, he needed me to send him pictures of the gift cards. He made the request sound very urgent. Without a second thought I was on my way to purchase these gift cards, I didn't want to make a bad impression on my boss. First, I went to XXXX XXXX and purchased {$600.00} for XXXX XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ) and {$600.00} for XXXX ( XXXX {$500.00}, XXXX  {$100.00} purchase ). XXXX XXXX total : {$1200.00}. I started to get suspicious when he asked me to go to a second store. He would always text back really fast or repeat text if I didn't answer immediately, not giving me a moment to think. I went to XXXX and got {$800.00} for XXXX ( XXXX {$200.00}, XXXX {$100.00} ). He wanted me to get more from the XXXX, but the system locked me out. XXXX total : {$800.00}. Thats when I fully realized it was a scam. He wanted me to go to a third store. that's when I called the office and confirmed I was not texting with my boss. I told him I couldn't get more and needed to get back to the office, he was insisting I get {$200.00} more. As soon as I got back to work, I disputed the transactions with the bank and made a police report. Since I was still communicating with the person via text, I called the Police 's nonemergency line, but it wasn't being staffed. I filed a report online. I called the number I was texting but it was a XXXX number. Grand total : {$2000.00}. 

Wells Fargo is holding me responsible for the {$2000.00} that was stolen from me because I was a victim of a gift card scam. They " can not '' do anything because the merchants denied the dispute because I made the purchases, and because there are no funds left on the gift cards. Of course there are no funds left, it's a SCAM.

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 2022-08-03 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: AZ

Complaint narrative:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was appointed XXXX of XXXX XXXX on or about XXXX, 2022. 
XXXX XXXX is XXXX, XXXX XXXX XXXX and was a XXXX of financial exploitation. 
I have served XXXX, where she has XXXX accounts, with XXXX orders from the New York XXXX Supreme Court. XXXX order appoints me guardian with the power to marshal her assets and the second was an Order to Compel them to provide me with the account numbers and statement. 

In a letter dated XX/XX/2022 XXXX acknowledges that it received the court order appointing me guardian back in XXXX, 2022. 

It is now XX/XX/2022 and I am still being told I can not be added to the account. I literally spend hours each day calling to see why there is still a delay. 

The excuse now is because I have to first make an appointment at a branch and only then can my " profile '' be added to the account on the bank side. I can't just walk in, I have to have an appointment and only they can make that appointment for me. I would have to do something different on the brokerage side because they won't accept the orders as compelling evidence that I have legal authority to marshal assets. 

XXXX XXXX is XXXX XXXX XXXX. She needs XXXX care. She needs her rent paid. I do not have the funds to pay for the care that she needs. XXXX to date has only provided me with copies of statements. They give me numbers to call that aren't picked up and where you can't leave a message. 

If XXXX can basically thumb their nose at a court order, then why is it that the federal government continues to grant them operating authority? 

I would really appreciate your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX Act # XXXX, XXXX ; XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, has violated my rights. 

15 U.S.C.1681 section 602 A States I have the right to privacy.

15 U.S.C. Section 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-08-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
This morning, XX/XX/2022, at around XXXX Eastern XXXX time, I Received a string of emails from Bank of America, first to " verify email address '' ( I did not respond ), second was that an online application for an account was being processed, I did not apply for any Bank of America product, third email said my application was approved, fourth was a " welcome to online and mobile banking '' message, and finally, a message came confirming that I changed my email address, which I didn't do because I never verified my email address with Bank of America to begin with.

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 2022-08-03 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: DC

Complaint narrative:
EQUIFAX is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EQUIFAX permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EQUIFAX are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX XXXX XXXX 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXXXXXX XXXX XXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Company response to consumer: Closed with explanation