vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
This is following two complaints I submitted to the CFPB on XX/XX/2020 and on XX/XX/2020. I just learned from BOA that they have decided to end their relationship with me. This is after they accepted a fraudulent cashiers check and gave me access to the funds the very next day. I havent had access to my money in both my new checking and savings accounts since Friday, XX/XX/XXXX, and Ive already missed a payment for my health insurance premium. My rent is due on XX/XX/XXXX. Now BOA has resorted to blaming me again for the closure, the fraud, and has not allowed me to collect my safe deposit Belongings. I have been sent to three different departments to try and resolve the matter and have been given several different excuses for the closure. I was just told by a male agent in the Risk Closure Department that if I end my relationship with BOA under the current circumstances, since it was I who allegedly provided my account information to someone that led to the fraud, that I will not be able to open another bank account at any other bank for five years. And after I demanded my money back, vowed to re-contact the regulatory bodies, and clarify that it was me who was ending my relationship with the bank, I was finally told that no, my accounts are not closed, that I should have had access to my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
American Express took me to court saying that I owed them money. I was the defendant in this case and it was dismissed with prejudice at the plaintiffs costs. Dismissed with prejudice means the case can not be brought back up against you. On XX/XX/2020 I received an email from American Express saying I missed a payment. This is harassment and unfair credit reporting. Please see the images I have attached for proof of my complaint. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: LA

Complaint narrative:
I have talked to XXXX, XXXX, and Experian and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. 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 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I HAVE A CAPITAL ONE CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR XXXX CAPITAL ONE AUTO FINANCE AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX had a door to door salesman sell me a security contract and equipment. This is after I told them I was already in a contract with XXXX XXXX. Yet they still installed equipment and signed me up for a contract. Without my signature and a proper copy of the contract when the work was finished. Instead they gave me a free month of service and tried to buy out XXXX XXXX. I was told i didn't submit paperwork in time and they couldn't buy me out of the XXXX XXXX loan. They gave me XXXX dollars and have suspended my payments to the back end of the contract year. Instead of letting me break the contract without having to pay the next 6 months of the contract. I am an elderly widowed woman on a fixed income who was taken advantage of by the XXXX XXXX XXXX sales team. They failed to provide me with contracts with my signature on them and dates that are inconsistent. I am worried about my home security but shouldn't have to be worried about being robbed XXXX by a security company. I have already payed XXXX and Citizen Bank for the half the year {$1500.00}. I would willingly give back the XXXX dollars for a void in the rest of the loan and termination of XXXX contract {$1400.00}. I already pay XXXX XXXX and have payed XXXX for half the year two companies to do the same job. Again I was taken advantage of by the sales team for XXXX XXXX XXXX and not provided with adequate information. I will gladly pay back the {$200.00} I owe but find it hard to continue to spend my money on a company that clearly does not have my best interest at heart. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: IA

Complaint narrative:
Direct express/coamerica is where I get my social security benefits and has a contract with the federal government. They are not only completely unprofessional they are operating illegally. I submitted a dispute back in XXXX and followed all the proper procedures as outlined in their online process explanation. One excuse after another they done nothing but push the date up of when the dispute was received by them. Over 90 days later and no resolution to the dispute or no credit has been issued to my card. They have been taking money off my card and no sending the payment to the businesses. This has resulted in me being taken to court by several businesses and facing tons of fines for late fees, disconnect and reconnect fees which quadruples the amount of the dispute. Ive since lost my card and unable to get through to a single person for several months to get the card cancelled and to get the money reimbursed to me. Each time I call I get hung up on and then transferred to the the survey. Also several places have issued me refunds to the card and they have never put a refund back to my card for any of these refunds. I am not able to communicate with this company at all and they have no desire to follow any laws. Im not only requesting them to be responsible for all the charges Ive faced for their unlawful activities Im asking they lose their government contract as they dont know how to follow your policies and companies that break federal laws arent allowed to hold government contracts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-22 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
My planned cruise expected to sail XX/XX/XXXX through XX/XX/XXXX was completely cancelled 2 days prior to sailing. The cancellation was a result of a mandate from the US government to prohibit all sailings by law due to COVID-19. This was something 100 % outside of my control and I had every intention of attending the cruise until the cancellation. The transaction is valid and this is not a case of fraud, but the fact of the matter is the entire cruise was cancelled and the company is refusing to provide a cash refund. Not only is Celebrity acting unethically but this can be questioned legally, by not providing cash refunds for a trip that never occurred. Ive requested twice over dispute for Barclays to resolve this and theyve been of no assistance. Ive sent several documents and supporting details capturing the details around the cancelled cruise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: OH

Complaint narrative:
I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX reporting inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: OH

Complaint narrative:
I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX  XXXX bank XXXX XXXX inaccurate balances XXXX XXXX  My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been having " Federal Withholding Tax '' taken out from my savings account for several times, I should not been charged this for my status as an XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The bank which my car loan was held at, put a block on it for another reason. Every month for almost a year, I have called in to transfer funds into that car loan relying on what a representative at NFCU tells me because I am restricted and not able to look online nor go into a branch due to covid. At some point, I was 30 days past due and was not aware, in which they are usually good at giving me a call or any past due amounts or concerns. As soon as I made the last car note payment, I received a hit on my credit of that noticed. I contacted NFCU, however, they are unwilling to help and listen to the recorded lines for accuracy to plead my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I HAVE A XXXX XXXX CREDIT CARD, STATEMENT CLOSING DATE XXXX EACH MONTH. I TRYING TO BUY A CAR TRU XXXX XXXX XXXX XXXX  AND NEED THE CREDIT REPORTS TO BE UPDATED TODAY, FOR I JUST PAID OFF AND XXXX BALANCE. THIS WILL ENSURE HIGHER SCORING.

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 2020-06-22 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: LA

Complaint narrative:
I have talked to XXXX, Transunion, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. 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 2020-06-22 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: LA

Complaint narrative:
I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. Please assist. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: TN

Complaint narrative:
I asked XXXX  and Equifax to provide me the Date of First Delinquency with the original creditor because it was not provided and for XXXX  and Equifax to please provide this requested information and In the event that they can not verify the details and/ or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this date as well as the manner in which it was provided in order that I may pursue additional remedies. XXXX  and Equifax just updated or modified the information and did not provide me with the requested information. XXXX  and Equifax are in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Experian and Equifax failed to provide me the requested documents and in violation of the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) and for knowing violations of the Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DPT ED/XXXX Company inquiry : ONLINE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
After paying off my FHA loan from XXXX through refinancing with another lender, I was supposed to receive a refund of my escrow account in a total of {$850.00}. The refund was due in XX/XX/XXXX but I never received a check of that amount. By calling XXXX customer service, the refund amount was verified and I was promised to be issued a refund shortly. I called XXXX again in XX/XX/XXXX to follow up on the status of my refund and was told that the check was issued in XX/XX/XXXX and was cleared shortly afterward. During that call, I informed XXXX that I have not received the check and have not cashed it or deposited it. As I requested, a copy of the alleged cleared check was shared with me. The check copy does not have my signed endorsement but was stamped from XXXX XXXX XXXX indicating it was cleared. Based on their advice, I inquired about the check with my bank ( XXXX XXXX XXXX ) and verified that the check in question was never cashed, deposited, or linked to my account on record. Furthermore, given that the check does not have my endorsement XXXX XXXX XXXX confirmed that it could not have been cashed or deposited in any of their branches or online features. I called PennyMac again that same day and conveyed that information and then asked my case to be investigated by their fraud department. I was promised that they will look into my case and one of their fraud investigators will get in contact with me as they process the case. On XX/XX/XXXX I called XXXX again to follow up on my inquiry and complaint. I was then informed that XXXX is no longer investigating the issue and was told to resolve the issue with my bank as they can not provide any further assistance. XXXX was not able to provide any information that could me investigate the matter further such as where was the check cashed, or who cashed the check. That being said, I have reason to believe XXXX has embezzled my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Someone tried to con me into using my credit card to purchase over {$6000.00} of merchandise. They played it under the guise of a job offer, and gave me a bank account number to pay off the credit card with. Unfortunately, the bank account was closed or frozen or something, and my credit card payments were returned. I returned the merchandise, so no money was lost. However, Citi closed my account because of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation