vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Bank of America at XXXX, XXXX XXXX XXXX XXXX, XXXX NC XXXX. 
The letter was my feedback for the response I received from XXXX XXXX of Bank of America to my CFPB Complaint # s XXXX & XXXX. 

On XX/XX/XXXX, I received a secure message from XXXX XXXX XXXX, Senior Resolution Specialist, Regulatory Complaints of Bank of America. 
XXXX XXXX 's message was in response to my feedback letter of XX/XX/XXXX. 
In the secure message, bank statements for the months of XXXX and XX/XX/XXXX were attached. 

The statements were for Account # Account # XXXX XXXX XXXX owned by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX So, I responded to the secure message asking XXXX XXXX why Bank of America had wrongly sent me confidential financial information belonging to another customer. 

XXXX XXXX replied on XX/XX/XXXX by stating the following : The bank statements included in the secured email was not intended for you. 
As such, we ask that you delete the secured email with the third party information. 

That's all. XXXX XXXX provided no information whatsoever explaining why such a serious data breach had occurred at Bank of America! 

So, on XX/XX/XXXX, I sent XXXX XXXX a secure message in which I stated the following : If Bank of America can wrongly send another customer 's sensitive data to me, tomorrow it can do the same thing with the sensitive data of my own bank accounts too. 
So, what measures has Bank of America taken so far to ensure such a serious data breach does not happen again? 

It has been over a month since I asked this simple question to XXXX XXXX. 
But I have received no reply from XXXX XXXX to my query. 

It's bad enough Bank of America committed a serious breach of sensitive data by sending to one customer confidential financial information of another customer.

But what is even worse is when their Regulatory Complaints group treats the issue as though it's perfectly normal for the bank to do such a thing!

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 2020-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My boyfriend XXXX XXXX had XXXX card, he had his unemployment direct deposit on it, I lost my card mine was being put on so I changed mine to his card also. They accepted first check then two weeks later they cancelled his account after my second check was deposited on it amd wont give access to XXXX on card. Told me I need to get a letter of identity from unemployment, they dont issue them they told me they wpuld request the money be returned but XXXX  wont return it and we need our money. My ne is XXXX XXXX. My spouse is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Solution Providers LLC
State: NC

Complaint narrative:
{$1800.00} has been collected from me since XX/XX/XXXX from collector other then original creditor and when requested documents of original agreement and information on how much I have left owed and proof of where my checks have gone to the operations XXXX promised it will be sent to me within 24 hours and since then and following up with him and other employees of Financial Solution Providers @ fsp emails and calling FSP number on main websites I have received no responses, pick up of phone calls anything at all and more payments are going to continue to come out of my bank account by auto draft and nobody will acknowledge or respond to any of my attempts to contact them. Im just being ignored and I don't know that my checks are going to something legitimate or what to do as nobody from that company will respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
tried to open dispute for XXXX in past 45 days and it wont so i emailed 12 times and they didn't respond. all documentation in the inbox to them. no one that adequately speaks and understands English ever answers, if anyone at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
I really didn't know anything about the situation that was happening to my friend. I guess this was an old credit card debt from years ago. First I heard of this situation was this last XXXX XXXX. She told me that this lawyer/ collection office ( XXXX XXXX XXXX XXXX XXXX has sued her and is garnishing her account. Which she is on SSD support to help her survive. She is paranoid XXXX. They already have a judgement she said on her account and started taking money out. 
This is when I heard of what is happening. She asked if I could use one of my credit cards to pay them off so I have money for my needs from my XXXX. I said finally ok. I had her call to pay the full amount. She asked them for some kind of discount it's paid today in full. They said no. Oh, I don't know anything about the above situation but something just doesn't sound right I told her.

This is where my complaint originated. I received my XXXX XXXX bill and this company processed the payment as a wire transfer. I looked up their payment process and it states on checks/ debit card they might do a wire transfer. So, I tried to help a friend and pay her bill and get charged a wire transfer fee of {$81.00} and interest of {$8.00}. Total of {$90.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: PA

Complaint narrative:
Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 



Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 

The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Due to COVID-19 XXXX and XXXX I struggled with finances and was behind on car payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX/XXXXXXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

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 2020-10-03 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: CA

Complaint narrative:
To : Whom It XXXX concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$10000.00}, {$5700.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX/XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: NC

Complaint narrative:
Hello this is in reference to the account from Discover Financial Services. I contacted the creditor by phone on XX/XX/XXXX and they stated in order to settle this debt that I will need to send a letter agreeing to pay the amount. They will then delete the account upon payment. I sent a letter ( attached ) on XX/XX/XXXX stating I will pay money owned on the debt and that I need an agreement letter from them. I then Paid the collection acount on XX/XX/XXXX in full through the collection agency. The collection agency, XXXX XXXX deleted the account but Discover refused to do so. I sent them another letter asking to remove the account as promised on XX/XX/XXXX but nothing has happened. This account is paid and they must follow through with their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04 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: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
Ally Bank is a bank that did a credit inquiry on my credit report on XX/XX/2020 in reference to a co-applicant loan for a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX they did proceed to go through to process this loan with a application ID number of XXXX and Ally stating the reasoning of denial of the loan was they could not run a credit score with XXXX due to it not being available. However, Ally caused a hard inquiry on my credit report.This is reporting in error with all three bureaus. Please have this error removed off my credit report. Ally did not get a score but it's stating they did a credit hit on my credit report. Ally Bank XXXX XXXXXXXX XXXX CT XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
My job at the XXXX just dropped my payroll check into my account and my bank did not think I knew so they keep trying to slide it out before I can verify that it is there. Some of the employees are biased against XXXX and as a result they keep trying to steal their deposits at Goldman Sachs USA. They are also doing a mass layoff so those fearing this are stuffing their pockets with anyones money they believe an oversight wont notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-10-03 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: AL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-10-03 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: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have XXXX Plus loans that were taken out from XXXX for XXXX  school. I am not including personal information but please feel free to reach out for the information. The loans were at 8 % interest rate. When I graduated and it was time to pay the student loans, I was unemployed. Nonetheless, I qualified for income-based repayment and made small payments when I could. I was eventually able to make consistent payments through the income-based repayment program and the payment amounts increased due to my income. I believe the original servicer of the loan was Sallie Mae. At one point, Navient became the servicer for my loans. It is understandable to learn that the interest amount owed increased. However, I went from borrowing {$160000.00} in student loans and now owing {$340000.00} in loans and interest. The loan servicer is now XXXX XXXX  Complaint 1- It is  unclear to me how the amount of my loans owed has increased to double the amount although I have continued to pay and consolidated the loans. Complaint 2- when attempting to contact Sallie Mae and Navient for the documents ( 1. loans i applied for, loan amounts owed, monthly statements ) they state the documents are no longer available. Complaint 3- i would like an accounting of my student loans as I believe that the amounts I initially applied for are incorrect, the amounts that have been transferred from servicer to servicer are incorrect and the amounts that I am currently owing are incorrect. Complaint 4- I was misinformed by Sallie Mae and Navient on the options that I had available during the periods that I was unable to pay my loans. I realize that this is not my specialty and therefore I may not be using the correct vocabulary. I ask for your assistance in resolving the issues listed above. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
XXXX XXXX credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score. 

I have requested that XXXXXXXX XXXX remove all these accounts from my credit report. 

This has caused me to possibly lose a low interest rate and possibly the home. 

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase JPMorgan credit card company pulled my credit, did a hard credit check to my report multiple times without my knowledge. All of my husbands credit card accounts are listed on my credit report. My husband place me on his accounts as an authorized user, not me. Every single time they check his account they ran a credit check on my credit which has lowered my credit score.

I have requested that Chase Bank remove all these accounts from my credit report.

This has caused me to possibly lose a low interest rate and possibly the home.

All three credit reports are doing this to me. When I asked for this to be corrected, they advised me that it won't happen. 

I am filing a formal complaint and reaching out to an attorney to see what I can do, if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sterling Credit Corp.
State: PA

Complaint narrative:
On XX/XX/2020, XXXX XXXX of Sterling Credit Corporation, claimed to be collecting a debt on behalf of the XXXX XXXX XXXX for the amount of XXXX. They threatened that I would have negative reporting on my credit. 

They kept referring to me as XXXX XXXX when I am, in fact, XXXX XXXX. They refused to acknowledge this. Kept increasing making use of aggressive and threatening language and were demeaning. 

I said I was not able to make a payment and payment plan at this time, but I did intend to pay the debt. They refused to acknowledge this and claimed I was refusing to pay or acknowledge the debt. They proceed to state that they would report that I refused to pay the debt and would report that. This was a false statement on their part. 

I proceed it contact XXXX XXXX XXXX to see if, in fact, this was a legitimate third party. I have not heard back.

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 2020-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TO WHOM IT MAY CONCERN, I AM SENDING THIS AFFIDAVIT BECAUSE I AM A VICTIM OF IDENTITY THEFT. I SUBMITTED AFFIDAVITS PREVIOUSLY AND WAS ACCUSED OF USING A CREDIT REPAIR COMPANY. I AM HIGHLY OFFENDED BY THIS ACCUSATION BECAUSE I FEEL AS IF I AM BEING VICTIMIZED BY THE BURUEAS AS WELL. I FEEL AS IF I AM BEING ACCUSED OF NOT BEING CAPABLE OF DISPUTING MY OWN CREDIT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.

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