vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made a {$8500.00} deposit to my Bank of America checking account on XX/XX/XXXX via online banking remote deposit, the check I deposited was also drawn on Bank of America. Bank of America but a large dollar hold on the check systematically at the time of deposit for 7 days. All funds of the deposit were held until XX/XX/XXXX. I called Bank of America on XX/XX/XXXX to inquire why a 7 day hold was placed on a check drawn on the same financial institution and was informed that per Regulation CC the system automatically applies the hold and that no one at the bank can release the hold or review the deposit. My account has been open for over 10 years.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Re : Complaining about United Bank and its associate Dear Consumer Financial Protection Bureau : I am writing to complain about fraudulent service of United Bank. 

I have three accounts at United Bank. During covid-19 pandemic period, the bank blocked my debit card and online account access. Additionally, the bank sent at least three duplicates, exactly the same statement with same account number, every month and then charged me so-called undelivered documentation fee every month. Furthermore, the bank charged me dormant account fee since late XXXX after I complained to them in person regarding the absurd charges on my account. 

Recently in late XX/XX/XXXX, I visited Unite Banks XXXX VA branch and spoke with its assistant manager XXXX XXXX. The bank associate was very rude and unwilling to help. She asserted that the bank was unable to remove dormant account fee. As to the dozens of undelivered documentation fee charged, she stated that the bank would only refund three months fee. She did not acknowledge or apologize for the banks wrongdoings which caused customers a lot of troubles. 

What United Bank has done is abosolutely wrong and may implicate fraudulent business practice. The United Bank of course has no right to charge dormant fee and undelivered documentation fee every month especially when they intentionally blocked customers account access and when a customer complained in person about their service.

I sincerely hope the Bureau investigate this outrageous deceptive behavior. I believe numerous persons had been damaged and cheated by United Bank because of their fraudulent business practice. 

If you have any questions concerning this letter, please contact me at XXXX XXXX XXXX, XXXX XXXX, Virginia XXXX. I can also be reached at XXXX Very truthfully, ________________ XXXX XXXX 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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc.
State: KY

Complaint narrative:
There wasn't a great options for this situation. The Bureaus had used National Enterprise Systems to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from National enterprise systems and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/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 2023-04-11 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:
In accordance with the Fair Credit Reporting act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX  Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) Account XXXX : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX KY ) Account # XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Acoount # : XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX ) Account # : XXXX Account Name : XXXX XXXXXXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Number : XXXX  Account # : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information.. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: WI

Complaint narrative:
I currently have a garnishment stipulation payment agreement for XXXX XXXX XXXX XXXX for {$4300.00} through XXXX XXXX XXXX and my last payment is XX/XX/2023. Now suddenly I received a letter from said XXXX Firm claiming that I owe a debt for {$4300.00} to another XXXX. I do not owe this debt and I dont know why Im being contacted. I feel this is an attempt to just get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally bank issued a check for my CD {$22000.00} to a wrong address or party, it was cashed. I have spoken to many agents for months now, and faxed all the necessary papers they sent to me, but have not received my money, The money should have been sent to me when I cashed the CD in on 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 2023-04-11 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Im a new american express gold holder and purchased a flight through their travel website. 
I wanted to change my return flight and called american express travel. The agent claimed she had an issue accessing their system and told me she would call me back to comfirm the change and fees charged. She never called back nor sent a confirmation email with the change and a week later, I call them again to change my ticket, the agent nevet told me that the other one already changed it and she still gave me my initial return date as if it was never changed. I asked her to change the date and she did and charged me thhe fee. A week later, I find out that the fee was charged twice and that the first agent who never confirmed the change did it already. I called AMEX to help me dispute this charge, and to my surprise they refused claiming that the first agent called me a left a VM. This is ridiculous, because I never received a VM and this not the professional way ofconfirming such change, besides I never received a confirmation email. Furthermore, the second agent should have informed me of the change and not confirm that my flight was still leaving the initial day I wanted to change. This is obviously a FRAUD allegedly committed by Amex because the travel agency is affiliated with them. They still refuse to refund me the first fee when their agent ( all from overseas who dont seem trained ) messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX  Account number : XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MI

Complaint narrative:
Last week there was approximately {$140.00} withdrawn by ACH. I contacted the bank as this was not authorized. I did not sign up or give anyone my account information. I was told this also occurred two times prior. This is FRAUD. The bank refunded one of three fraudulent withdrawals and refuses to refund approximately {$300.00} they allowed to be removed without any signed consent or any authorization by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11 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: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXXI ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-11 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: NC

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX Account number : XXXXXXXX XXXX  Account number : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: NC

Complaint narrative:
On XX/XX/2023, equifax received a certified letter requesting written documentation of a hard inquiry on my credit report that I did not authorize ( USPS Tracking Number XXXX ). I also requested that if documentation could not be provided to me to please remove the inquiry from my report and send me an updated copy of my credit report.the inquiry was for Informative Research-CPU On XX/XX/XXXX equifax sent me a copy of my credit report including the results of their investigation. The results stated that inquires are factual record of file access and will remain on the equifax credit file for two years from the reported date of the inquiry. The inquiry is still on my credit report without providing me proof tht I authorized this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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 XX/XX/XXXX I submitted info requested by fax. They still wont tell me whats wrong and the verbally state all my information yet continually state they need to verify

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: KEYCORP
State: MN

Complaint narrative:
On XX/XX/XXXX, in response to XXXX advertisement from XXXX XXXX XXXX, I tried opening a checking account that offer {$540.00} bonus, after meeting certain requirements. The bank system did not allow me to open the account, I contacted the Bank and kept trying for almost XXXX XXXX MONTH. A financial institution in AMERICA, had flawed systems that couldn't open a simple checking account. 

On XX/XX/XXXX I received an Email that my application was not approved. Then on XX/XX/XXXX I received an Email from XXXX XXXX XXXX informed me to try again ( for the XXXX time ) to apply for the checking accoung. I applied and was approved, over a month later, i still haven't received the DEBIT CARD. 
The Bank System is FLAWED, it still today XX/XX/XXXX the bank showing my Mailing Address wrong, and my physical address wrong. On XX/XX/XXXX I emailed the bank copies of my Driver 's License and social security card as they requested for account opening. 
THIS Bank should stop advertising until it's systems are fixed. It's so painful especially to see a Bank in the US with Flawed Systems trying to take money from innocent American Citizens. I don't trust this bank to have my hard earned money direct deposited into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been working on my EXPERIAN credit profile and I noticed there is an incorrect address on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are both XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Bureaus, Inc.
State: KY

Complaint narrative:
There wasn't a great options for this situation. The Bureaus had used XXXX XXXX XXXX to attempt to collect this debt. It shows the account date was XX/XX/XXXX however the last payment was XX/XX/XXXX. 
My attorney XXXX XXXX XXXX responded to the initial letter from XXXX XXXX XXXX  and the debt was not able to be verified. It is still currently on my credit report and being reported every month as an open account that is owed by the Bureaus. 
The letter was dated XX/XX/XXXX. The attorney responded XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : # XXXX, Account name : XXXXXXXX XXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX Account number : # XXXX, Account name : XXXXXXXX XXXX Account number : # XXXX, Account name : XXXX XXXX  XXXX Account number : # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: NE

Complaint narrative:
I got a call from ArrowheadAdvance at XXXX from a masked phone number ( XXXX ) XXXX. When I told the agent that it was illegal to call before XXXX, the agent acknowledged that he was on the XXXX XXXX so it was okay. I told him that doesn't matter- it's before XXXX local time, which he should have known since he's using a masked local phone number.

Company response to consumer: Closed with explanation