vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a Bank of America Checking Account and was not approved immediately. I had to call them to verify my ID because of a Fraud Alert from the XXXX XXXX XXXX. They ( Bank of America ) checked my credit report BEFORE approving me for the XXXX XXXX. I ordered checks through their online banking portal, and a few days later, I was contacted by Bank of America about fraudulent charges. Turns out, they stemmed from the checks and accessories I ordered FROM THEM. I then tried to get a savings account to connect to my BoFA Checking account on XX/XX/2021. At XXXX, I transferred money from my online accounts into Bank of America XXXX thinking it's best to have one reputable bank ( XXXX! ) By XXXX onXXXX I could no longer access online banking, use my debit card or even contact them as they had already closed. When I spoke to a representative on the phone the next day I was told my account was closed as a " Business Decision '' and I am not entitled to anything more than that. Not only that, they will not release my balance ( over {$1000.00} ) until AFTER XXXX XXXX, and a check would not reach me until 7-15 days after that. I only had this account for about 5 weeks, and they are holding my money XXXX for over 2 months! 
I did nothing with this account aside from use my debit card with XXXX, for purchases and to make deposits. I should have been notified if I broke any rules, I should be able to withdraw ALL of my funds NOW, not in 2 months after they charge me tons of fees and terminate all access to my account. I can not even check my transactions or balance as I enrolled in paperless statements. I can not access online banking, so how can I keep track on my money? This is just unethical and they shouldn't have approved me for an account if they were going to close it 3 weeks later. I see thousands of the same complaints and I don't know what I did wrong, aside from sending money with XXXX to people who may have had a bad history with them. Not fair, because I had NO problems with them. They just closed my account after I put all of my money into it from a few online only accounts. Oh, and I applied for a savings account, how dare I?! 
I want my money back asap. Please help 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 monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: NY

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$3300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This issue is with Bank of America Back prepaid, in XX/XX/XXXX I filed a fraud claim regarding fraudulent charges on my debit card and the claim # XXXX, after filing this claim I was told by the representative that I should get my new debit card in 5 to 7 business days, this days passed I didn't get no debit card so I called bank of america to find out why I have not received my debit card, the debit card was never ordered representative told me but there are new charges happened on that debit card that I was told was never ordered and that card number was XXXX and claim was opened claim number XXXX. After a while I received a letter from Bank of American prepaid on XX/XX/XXXX for claim # XXXX stating the Bank of American completed the investigation in my favor and the previously issued credit is now permanent that's on the letter and On XX/XX/XXXX I got a letter from Bank of American prepaid for the 1st claim XXXX and the letter says we have completed an additional review of your case and concluded that our original decision was correct no posting error has occurred on you accound. So claim XXXX 1st letter said claim in my favor and credit is permanent after 10 months later i get the 2nd letter on that same claim XXXX saying claim denied. 2nd claim XXXX 1st letter says claim is in my favor and after 6 months later XX/XX/XXXX I get the 2nd letter saying the claim is denied. so claim XXXX 1st letter says decision in my favor the credit is permanent and 6 month later I get the 2nd letter saying claim XXXX denied.

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 2021-07-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2021-07-07 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: TX

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: DISCOVER BANK
State: CA

Complaint narrative:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: AZ

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Please look at the spreadsheets from years ago and see the fake ones they sent me. You can see for yourself all the numbers they forged and overcharged us for. Our loan does not have a late payment policy or NSF policy so all these fees need to be returned. YOU refuse to answer us on this. LOOK at them, XXXX. So many lies it's unreal. Look at the bank payments I am sending. None of it matches. NONE OF IT! Payments are being applied where ever they want them to appear or they are missing. XXXX representative XXXX will be more than happy to go over the account with you. XXXX XXXX STATEMENTS DO NOT LIE. LOOK AT WHERE THE XXXX DOLLAR PAYMENT IS MISSING AND 8 XXXX PAYMENTS ARE MISSING. 

THE LOAN PAPERS ARE ATTACHED AND NOWHERE DOES IT SHOW YOU CAN CHARGE ME ANY OF THESE FEES XXXX. NOWHERE. PLEASE PROVIDE ME A PROOF OF OUR SIGNATURE AGREEING TO ALL THESE PHONEY FEES. ALL OF THE FAKE CHARGES IS A CRIME. 

YOU CAN NOT BE BLIND. JUST BECAUSE YOU REFUSE TO ACKNOWLEDGE IT DOES NOT MAKE IT DISAPPEAR. I AM ATTACHING OUR LOAN AND YOU SHOW ME WHERE THEY HAVE THE RIGHT TO CHARGE FAKE LATE PAYMENTS AND FAKE NSF CHARGES. WHERE DOES IT SHOW YOU CAN CHARGE ME FOR A CHANGE OF LOCKS AND LONG-FORM FEES FOR XXXX XXXX DOLLARS? IT DOES NOT XXXX. WHERE DOES IT SHOW YOU CAN CHARGE XXXX FOR LATE PAYMENTS? EVERY LATE PAYMENT IS FALSE AND I WANT IT REMOVED ASAP. IT'S THOUSANDS OF DOLLARS. I WILL NOT STOP EVER TILL ALL OF THIS IS EXPOSED ON THESE CROOKS. HOW CAN YOU CHARGE MY ESCROW A XXXX MORE FOR PAYING FISD SCHOOL TAXES? YOU DO NOT ANSWER ANYTHING BUT TYPE UNRECONSTITUTED INUENDOS. SO STOP WITH YOUR EDUCATED FAKE THEORIES AND GET SOME GLASSES. I AM EDUCATED AS WELL AND WORK IN THE COURT SYSTEM SO KNOW FOR A FACT WHAT YOU ARE DOING. YOU THINK YOU CAN JUST THROW IN YOUR EDUCATION WITH A SOMEWHAT THREATENING DEMEANOR. IT DOESN'T NOT WORK FOR ME AND I FIND IT LESS THAN ENTERTAINING. YOU HAVE MET YOUR MATCH AND UNLIKE YOU I WORK FOR THE WELL-BEING OF OTHERS NOT THE PAYCHECK. WHEN I TELL YOU THEY ARE STEALING FROM XXXX YOU CAN BANK ON IT. I HAVE NO REASON TO LIE. WHY WOULD I? WHAT WOULD BE THE POINT? SO ALL THE LAWSUITS AGAINST YOU ARE JUST MAKE-BELIEVE? GOOD GRIEF. 

KEEP RETALIATING AGAINST XXXX AND WE WILL FILE WHISTLEBLOWING. 

KEEP THREATENING TO TAKE OUR HOME WHEN ALL WE DID WAS REPORT THE THEFT AND YOU WILL FIND YOURSELF IN ALL KINDS OF TROUBLE. ONE MORE FAKE PAYOFF STATEMENT WITH MONEY OWED OR THE COMMENT ABOUT RELEASING OUR DEED TO THE SECURITY INSTRUMENT TO SCARE XXXX WILL CONSTITUTE EVERY ASPECT OF THIS LAW. 

( Almost anyone with evidence of fraud or misconduct can be a whistleblower. You do not have to be a current or former employee of the company that engaged in fraud or misconduct. ... )

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 2021-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
I was just sending money to a friend of mine from XX/XX/XXXX to XX/XX/XXXX of 2021. I sent my friend XXXX XXXX, then suddenly, XXXX says that I used their service in a questionable manner even though it is not. I gave them the information they needed to verify that I made the transactions. They asked for my current and bank statement address and told me to state what I did with their service. 

After few days, they said that they will permanently limit my account as they found potential risks on it even though there are none. Also saying that my money within the app will be able for withdraw after 180 days, which is not acceptable because I did not anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have unauthorized inquiries on my credit report from capital one. There four in total here are the dates Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake financial customer service XXXX XXXX rep called me and told the call will not stop unless I paid today the sent me a email for request for payoff credit form and contract I never asked her for these things told me Im 4 day past the due date I said call cant continue if I have been notified she said they will this happened XX/XX/21 she pretty much just threatened to report to my credit if I dont pay her that day

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 2021-07-07 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: LA

Complaint narrative:
I have an unauthorized inquiry on my credit reports from EQUIFAX MORTGAGE SOLUT on Inquiry date : XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: DISCOVER BANK
State: LA

Complaint narrative:
I have an unauthorized inquiry on Inquiry date : XX/XX/2021 from Discover FINANCIAL SERvice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have two unauthorized inquiries on my credit report from JPMCB - CARD SERVICES, dates are : XXXX XXXX XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
My account was closed with no reason and now I cant get access to the account or the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I checked my credit reports and found I have unverified accounts listed on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07 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: IL

Complaint narrative:
I'm Super Upset with this situation. I sent a letter reguarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I did my research I know the credit bureau 's have 30 days to reply back and they haven't. I feel like they are just taking Advantage of me by ignoring my disputes which I took the time out of my day to send. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. Due to the law I researched, I demand these account be deleted immediately or I will file litigation due to the street you cause me. My information was impacted by the Equifax data breach and mayhave gotten into the hands of the wrong person. I am begging for help at this point.

Company response to consumer: Closed with explanation