vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a previous debt with bank of America, I paid debt which was over a year or so ago. I have a letter stating debt was paid, but I'm still getting denied by XXXX which I would like to open a new account. I have called on a few occations but they keep saying they will look into it! I paid the debt so it shouldn't be no issue removing me from the 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 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
The money was sent Zelle and yet no one can help get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: MD

Complaint narrative:
I checked my credit and saw an account for Wakefield & Associates for XXXX XXXX, XXXX. I have no idea what XXXX XXXX is I XXXX them and saw they were a medical billing. The fact they disclosed my medical record ( yes my bill is a medical record ) to Wakefield without me signing a medical release is a HIPAA violation. Not only that, I had already told the hospital I was homeless and needed financial assistance because I did not have medical insurance. I even completed the financial assistance forms at the hospital. I am not sure if the hospital works with XXXX but I never received any mail from them for any medical bills nor did I ever receive the right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
A collections company is trying to claim that I have medical services which I needed to pay for. The details of this case which is mentioned are illegitimate. I was under XXXX XXXX  when I was taken in for some type of XXXX XXXX or something. They essentially were trying to verify that there wasnt anything wrong with me & that I wasnt XXXX XXXX or had XXXX XXXX issues affecting my behavior. This is all I can remember about the details on this mentioned collection. The forced examination proved to show that I was in perfect health. So essentially it was a type of forced examination out of my control for no legitimate reason whatsoever. They found nothing wrong with me to validate their reasons for a forced examination & XXXX XXXX. I will never pay for medical services that are ever forced upon me ever, under any condition! For this company to try collect money from me for a service which was essentially fraudulent on every level makes them party to fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I currently have a credit card with Bank of America and they are refusing to refund me money for a flight that was cancelled by airline due to covid. I have called the merchant and bank on various occasions and the bank said that my funds are being held because it is under review. I started the claim in XXXX of XXXX and they are not able to provide me with a resolution or able to give me a date of when I will get the funds returned. 

I would like to note that I dont have any outstanding balances on the card and all my payments are current.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX sent an ACH ( XXXX ) to Bank of America to return dollars from a bank- to-bank transfer we processed on-line in early XXXX. BoA refuses to acknowledge these funds to me or post these funds back into our account after weeks of calls and visiting the branch. 

The original transaction was sent from my personal account to XXXX XXXX in error. We asked BoA to reverse this. They replied in writing that they could not. We contacted XXXX, explained the situation to them and they initiated an ACH to our account. XXXX has provided proof they sent the ACH, claim they have confirmed multiple times with BoA that the money has been received. 

In addition to contacting various BoA departments ( Customer Service, On-Line Banking, Wire department, local branch and corporate offices ) no one has resolved this issue or taken any responsibility for resolving the issue. We can not get a call back, each time we must call and are transferred multiple times until we end up back where we started.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
i'm filing this complaint to see if I could get some help to get this matter resolved I have contacted the debtor as well who they claim that they got the debt from however both companies stating they do not have the debt and can not talk to me about it and still reporting on my credit report i have tried several times this does not belong to me I would like to see if I can get some help to have this removed from my credit report thank you the last complaint i file i was told i needed to file a affidavit which i don't understand because im asking for a copy of the debt stating it belong to me but that have yet to provide to me and they also told me inform the credit bureaus that my information have had some fraud activate in which i did back in 2019 also i hade file a police report i have enclose a copy of my police report and a copy of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: AZ

Complaint narrative:
I have tried for several days to speak to someone about my mortgage. They WILL NOT allow you to speak to an agent / no one answers the call. How can this be allowed?? A mortgage is most people 's largest financial investment that they ever make and this company is absolutely not fit to be in business. Their web tools do not work. I have 2 mortgages with this company because the bought my loans. I did not choose them. How can CFPB allow a company to act this way with such horrible customer service? This is an industry that is too important to allow a company like amerihome to take over my mortgage without my choosing or consent and then not provide a usable website or any live agents. This is insane. I can easily get someone on the phone for any service that I use but I can't get a live service agent on a mortgage??!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
I have been disputing 2 accounts on my credit report since XX/XX/XXXX! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: FL

Complaint narrative:
I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

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 2021-03-18 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: GA

Complaint narrative:
Transunion has failed to conduct a proper investigation and correct the items in error on credit report. 

For XXXX XXXX Account status reports as Derogatory on Transunion and XXXX but still reports open on XXXX. 
Date of last activity reports as XX/XX/2020 on Transunion, XX/XX/2020 on XXXX and XX/XX/2020 on XXXX. 
Date of last payment reports XX/XX/2020 for Transunion and XXXX but reports XX/XX/2020 for XXXX. How can these be accurate when the payment history for XXXX  and XXXX shows that the last payment was made in XX/XX/2020 but shows 30 days late for XX/XX/2020? In addition, there is no payment history for Transunion on account to show proof of late or delinquent payments? How is this reporting accurately? 

For Chapter XXXX Bankruptcy Three different court names that are invalid and inaccurate are being reported for this account. According to the FCRA information being reported on a credit report must be accurate and reporting the same across all three bureaus or it must be deleted from a credit report and no longer reported.

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 2021-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was a victim of identity theft and the following inquiries and accounts must be permanently deleted from my credit profile in 4 days under FCRA section 605B Account XXXX XXXX XXXX {$94.00} Balance updated XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX  Home Furnishings Stores Inquiry date : XX/XX/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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a bankruptcy that should not be there from XXXX and I was sick with XXXX XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong

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 2021-03-18 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: CA

Complaint narrative:
I have requested a method of verification from each credit bureau. Each time the credit bureau has neglected to provide me their method of verification. This is my third tie=me submitting a complaint and my FCRA rights are being violated as I have a right to the documentation they used or receive to verify this debt. They keep coming back with verified by the furnisher, how and what proof do you have or the furnisher that verify this debt as the court do not verify. These XXXX credit bureaus are playing games and is stalling, it took them over 30 days the firs time and again I asked for A15 day method of verification and still again nothing. Under FCRA Section 611 they have to provide their method of verification and you guys are keep closing my XXXX disputes. I want this public record DELETE NOW. I WILL SUE FOR WILLFUL NON-COMPLIANCE UNDER SECTION FCRA B 616. THIS IS MY THIRD XXXX DISPUTE AND THE CREDIT BUREAUS ARE IN VIOLATION. DO NOT CLOSE MY COMPLAINT UNTIL THIS ITEM IS REMOVED

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 2021-03-18 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: NJ

Complaint narrative:
XXXX XXXX is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute on the Alleged Charged off Account XXXXwhich accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a bankruptcy that should not be there from XXXX and I was sick with XXXX  XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have a bankruptcy that should not be there from XXXX and I was sick with XXXX  XXXX and I been having a lot of fraud on my report and also been working with the credit bureaus and been removing some thing that doesnt belong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file 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 2021-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Responded XX/XX/XXXX, to American Express XXXX XXXX XXXX card offer that came in the mail, with offer of Welcome Bonus of {$220.00} cash back : " Earn {$220.00} back after you spend {$1000.00} in purchases on your new Card in your first three months ''. We met that requirement, but only {$150.00} " Welcome XXXX XXXX Back '' was posted to our account on XX/XX/XXXX. 

I filed the application for this offer online at amex.us/bcersvp, which was XXXX option for applying. The first question asked online is for the 14-character RSVP code, which I entered ( XXXX ). The application went through and we received our credit card. Shortly thereafter, a letter from American Express shows up in the mail saying " we are unable to approve your application '' ... " we have approved an application for the same type of Card within the last few months '' - THIS IS NOT TRUE. We did not submit multiple applications. A call to American Express on XX/XX/XXXX, said " disgregard this letter ''. Really? sounds like a bug in their system. 

Subsequent phone calls with American Express XXXX XXXX, XX/XX/XXXX XXXX twice, once with a supervisor XXXX XXXX got me nowhere. The call on XX/XX/XXXX resulted in another letter from American Express " The offer terms stated that the cash back would be provided in the form of statement credits, when in fact, the offer is being fulfilled in Reward Dollars '' - related to XXXX purchases. NOTE : I never would have applied for this card with an offer related to XXXX purchases. ( sounds like a classic Bait and Switch ). 

All of my calls to American Express said there was a different RSVP code attached to my application. I HAD NO OTHER 14-digit RSVP code, and couldn't have made it up because it wouldn't have gotten past the first screen on the online application where I had to enter this code. Strangely, no one on my calls to American Express could tell me the details of the offer for the RSVP code I did submit. 

So where does this stand - American Express refuses to meet the conditions of their offer - they still owe me {$75.00} to meet the {$220.00} cash back offer promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Investment Retrievers, Inc.
State: CA

Complaint narrative:
Investment Retrievers did a hard inquiry on my credit report without my authorization. It was listed as a hard inquiry for an installment loan. I did not contact them nor authorized them to run my credit. This will impact my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability of getting a new home. I don't know why im being treated like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 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: TN

Complaint narrative:
I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.

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 2021-03-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously asked this company for a investigation and asked this company to provide me with proof that investigation was preform this company filed to provide me with either when i called and asked how is this possible I was told to simply submit another dispute and i thought they have 45 to 60 day dispute process for a reason i have numerous receipt to company 's asking to remove the accounts that don't belong to me. I also submit certified receipts for investigation with no respond. I provide my identification card and social security card as proof of my identity and FTC report and I also made police report and receive a report number. Thanks 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 non-monetary relief