vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX my checking account was debited twice in the amount of {$100.00} ... Only XXXX of the debits was credited too my credit card. The other debit was never returned too my checking account. Both the Checking account and Credit Card are from the same company, Bank Of America. 

I have spent nearly XXXX months trying to recover a lousy {$100.00} .... 

I have both a copy of my statement for that month, as well as the bill pay statement showing the amounts debited vs. amounts applied too the bill.

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 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
On XX/XX/XXXX, my XXXX wrote a check to my name as a XXXX gift. The amount of the check was XXXX. My XXXX bank is XXXXXXXX XXXX from XXXX XXXX and the check number is XXXX. I endorsed the check " for deposit only account # xxxx '' and mailed it to my banks XXXX branch ( Bank of America ). 
I have not received the money into my bank account as of today ( XX/XX/XXXX ). 
However we have placed several claims to both banks which keep shifting the responsibility to the other and closing our claims. 
XXXX XXXX indicated to us that the check was cashed XX/XX/XXXX by Bank of America. However, the money never made it to my account. it was not deposited into the account I specifically indicated on the back of that check, issued to my name. We have a copy of the cancelled check ( front and back ). We do not know at this moment where this money went or where it can be. My mothers bank account does not have the money as it was " cashed '' /withdrawn, nor do I have it in mine. I have not benefited from it. 
The check issued to my name, was not signed. It was endorsed " For deposit only into XXXX account ''. It could not have been chashed, only deposited as indicated in the endorsement.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
We were given a Vanilla brand Gift card with {$500.00} on it. I activated it on the XX/XX/XXXX. We attempted to use on the XXXX of XX/XX/XXXX, and discovered it did not work. I checked the balance and found that XXXX charges on the XX/XX/XXXX XXXX for {$300.00} and XXXX for {$200.00} to XXXX XXXX # XXXX at XXXX and XXXX. I called Incomm the card issuing company on the XX/XX/XXXX. They said they would investigate. I discovered an email request for a written request form. I submitted it on XX/XX/XXXX. They replied with an acknowledgement on XX/XX/XXXX stating they had received it and would resolve it in XXXX days or less. They have not responded via the email address they gave me to use to communicate with them. XXXX emails sent on XX/XX/XXXX, XX/XX/XXXX and again today on XX/XX/XXXX. I called them on XX/XX/XXXX and XX/XX/XXXX, they have not provided me with a resolution and stated that I should call back in XXXX to XXXX hours. They are delaying and not responding to this fraud on their card. Is this endemic to this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I'm a consumer/natural person. I extended credit to Target for my XXXX XXXX at the customer service desk on XX/XX/22 in good faith pursuant to 15 USC 1691 ( 3 ). Target is one of my favorite stores, and I was so excited to shop for grad and dad season! It blew my mind when the associate printed a receipt that a transaction had taken place according to 15USC1602 ( l ), but I had not benefitted from it at all. As a matter of fact, she did not give me a security instrument to purchase with open-end credit, but a slip of paper that said my application required further processing. 

This really frustrated me because I am aware credit can only be denied a consumer in cases of insurance or employment. This transaction had nothing to do with either. My face became hot and flushed. I felt so ashamed and dejected while walking past the other people shopping with smiles and enjoying themselves. I could not figure out what I had done wrong. 

Target sent a communication dated XX/XX/22 with the Target logo on the envelope and the enclosed papers that confirmed adverse action was taken against me. That's illegal! Target knows, or should know, that they have violated my rights. The audacity!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased a vehicle ( XX/XX/XXXX ), in which Ally Financial agreed to finance. On XX/XX/XXXX I contacted Ally Financial to inform them that my on-time auto payments were not being reported to XXXX, XXXX and XXXX and I was told it should be reporting within XXXX days ( conf. # XXXX ). After several months of attempting to clarify situation I then continued to follow-up with XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ref # XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XXXX ), XXXX ( XXXX # XXXX ), XXXX XXXX XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX, XXXX  And XXXX ( XX/XX/XXXX ), Ira XXXX XX/XX/XXXX ), XXXX & XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ) all on XX/XX/XXXX XXXX In all instances I was told my account should be reporting anywhere from XXXX business days. As of XX/XX/XXXX Ally Financial is still not reporting my on-time auto payments and it has caused tremendous stress, financial strain and the inability to move forward financially.

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 2022-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To whom it may concern, please remove this unauthorized fraudulent account from my consumer reports with immediate prompt actions this is not my account also the account amount information is inaccurate Cap One Auto finance account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I originally signed up for a XXXX in late XX/XX/2022 with the intention of receiving {$250.00} for a sign up bonus that this bank was offering. I met the requirements by depositing {$1000.00} on XXXX & XXXX which met the requirements as stated below : " *Disclosure : Receive {$250.00} when you set up direct deposit to your Spend Balance and receive XXXX ( XXXX ) direct deposits of {$1000.00} USD or more within XXXX days of opening your XXXX Relationship. The direct deposits must be an electronic deposit of the account owners paycheck, pension or government benefits ( such as Social Security ). Limit XXXX ( XXXX ) incentive per customer. {$250.00} USD paid as a credit to your XXXX XXXX within 45 days of meeting promotion requirements. Offer may be changed or withdrawn at any time. XXXX XXXX must be open and in good standing to receive promotion incentive. '' XX/XX/XXXX would have been the XXXX day and the {$250.00} was credited to my account and no one on the XXXX seems to know why. 

It is important to note that XXXX 's current disclosure states that within 90 days it will be paid out but when I signed up the above agreement was the one provided. I have attached screenshots of transaction and disclosure.

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 2022-03-21 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have filed a previous complaint but jhave NO RESPONSE from CFPB and PayPal XXXX No one has gotten back with me! You just cant close the case without and response from PayPal and or CFPB?

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 2022-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Crypto.com is the company in question. I deposit over {$19000.00} in this account. We dispute it a couple of charges that was on the companys part. They froze my account I cant withdraw any money or deposit I can do but withdraw from my XXXX wallet I cant I sent them a letter from my bank stating that my bank credit my account as well as the vendor Crypto.com. The rep has frozen my account refuse to talk to me keep telling me to send them certain information all I wan na do is take my XXXX out of the account over a {$68.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX  days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Medical bill for {$820.00} from XXXX was sold and added to credit report in XX/XX/XXXX. This decreased my credit score the score by XXXX points. A legal decision to remove Medical bills from credit reports was released XXXX days ago, XXXX. Why was this bill over XXXX old added to my credit report and significantly decreased the score?

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 2022-03-21 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 am a victim of identity theft. My information was included in the XXXX XXXX XXXX data breach. I recently discovered several accounts that are fraudulent and since have contacted the credit bureau several times. 
Experian report # XXXX The accounts are XXXX ) Consolidated XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX I filed a report with the XXXX  XXXX XXXX for identity theft and also included my drivers licence and social security card and my request was completely ignored. 
I would like to exercise my rights according to the XXXX 15 U.S.C 1681

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 2022-03-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under Southwest Credit XXXX with both XXXX and XXXX. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but XXXX did not. XXXX said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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 — Overcharged for something you did purchase with the card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
First of all, how did I end up with this PNC bank. I did not open an account or credit card with PNC. I have a credit card with BBVA. However, I closed my credit card with BBVA XX/XX/2021 and paid the entire balance. I only have XXXX bill going to BBVA that is why I closed this credit card. I have no Idea that BBVA bought by PNC all of sudden XX/XX/2021 I have received a statement from PNC that I have a balance of {$94.00}. I called PNC at least XXXX times. I spoke to different customer service people and they can't figure out why I have a balance. It's so frustrating, what a nightmare! I spoke to their dispute department several times in XX/XX/2021. I explained to them the entire scenario. They told me that they are going to submit my dispute but then it's just going into a circle nobody 's working on it. I wish PNC will go out on business.I keep receiving a lot of emails & text from their collection debt dept. this is not fair to me that i have to deal with this issue. XXXX  XXXX  XXXX  PNC!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: NJ

Complaint narrative:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Management Cntrl. for committing identity theft. I have never given Credit Management Cntrl. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collecting activity, of this and any alleged debts until Credit Management Cntrl can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management Cntrl. continues its collection efforts, I will file for litigation for actual damages caused by Credit Management Cntrl. will be held criminally liable for aggravated identity theft pursuant to 18 UCS 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon this receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: WA

Complaint narrative:
There are fraudulent accounts being reported on my consumer report. I never gave consent to the furnishing of this information. I have attached the XXXX identity theft reports and dispute letter that was sent via post mail since XXXX. I demand this information be deleted immediately, it is well past the XXXX days given under the Fair Credit Reporting Act 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR

Complaint narrative:
SunWest denied buyer of loan because of insufficient collateral ( XX/XX/2022 ). This action took place afterwards buyer opted-out from property sale. I have witnessed this practice before ( not as a seller ), where lenders offer credit denial letters in order for buyer to opt out without any penalty. This is a misconduct and deceiving practice that should not be allowed and lenders should only offer this type of letters in legitimate cases. ( Buyer had sufficient funds to suffice collateral. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Trying to get a car loan. Lender can not pull equifax report because EQUIFAX REMARK : INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT FILE IS NOT AVAILABLE Started XX/XX/XXXX. Talked to 5 different reps. States this is no fraud alert or freeze. I can not access my own credit report. Consistently getting error code XXXX. Sent identity verification twice. Still can not access my equifax credit report. Equifax also gave me access to another my equifax account to resolved problem but it was someone with the same name as me. So i also had access to someones credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Called debt collect to inquire about my debt, told me they could not take payment or discuss debt due to a lawsuit that I have not been served for. Told them I was in the middle of moving and unable to give new address, told me they are going to XXXX  me.

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