vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I received an email indicating that my phone # was deleted for XXXX and to contact Bank of America if done in error. I call and eventually get sent to the account closure department where I was told that the bank had made a business decision to close all 4 of my accounts ( 1 checking and 3 savings accounts with a combined balance of over XXXX ). I was told the decision was final and that the process had just begun that day. He refused to provide any reason for this action. Constantly referring to the agreement when I opened the accounts. He did say the process usually takes 10 business days. He told me to call back the next day for better dates. I called the next day ( XX/XX/XXXX ) where I was basically told the same thing. When I called the next Tuesday XX/XX/XXXX I was told that the accounts appeared to be scheduled for closure the next day and that I should call back on XX/XX/XXXX to learn when to expect the check. When I called on the XXXX I was told that the accounts were not expected to be closed until XX/XX/XXXX and that no money could come in or out of the accounts. I questioned him about the 3 previous people telling me that it should take 10 days. He said that it takes 30 to 45 days and had no idea why they would say otherwise. I then spoke with a supervisor by the name XXXX. She seemed to understand the issue but would only release the funds from my checking account and a savings account with minimal funds. Total funds released {$1700.00}. After reading the agreement which indicated that either party can close the account at any time without notice except upon withdrawal of funds they can require 7 days notice. I mailed a written demand/request to close the accounts and receive funds in 7 days. I have not had a response. I submitted a complaint with Bank of America and was told they would request the closure department expedite the process however they told me I would have an answer within 72 hours and it has been 5 days. Any help in getting the funds released would be appreciated. Again they are claiming non wrong doing on my part but are being punitive in nature by holding my funds longer than necessary as can be proved by their policy of 7 days when closed by 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 non-monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc.
State: AR

Complaint narrative:
On XX/XX/21, I received an email notification saying You've successfully updated the phone number on your MoneyLion account to XXXX XXXX XXXX XXXX. Thanks for keeping your info up to date. 

If you did not recently update your phone number, please log into the app to change your number or contact us if you need help. 

While youre here, check out MoneyLion perks, like deals in the Rewards tab or 0 % APR XXXX advances in the Finances tab! Open your MoneyLion app. 

I did not setup any such account and the number listed is not my phone number. I then received multiple other emails that said, We received a request to reset your MoneyLion password for the account associated with XXXX. This link will be valid for 24 hours. If you do not want to change your password, you can simply ignore this message. 
If you did not request a password reset, please let us know. 

And another email - Your new MoneyLion Debit Mastercard is on its way. You can check in on the status here anytime. 
And while you wait for your card to arrive, you can start using your virtual card right away. 
Don't forget you've got access to ... 

Im concerned as it is a weekend. I tried to contact the company but due to it being a Sunday they are not available by phone. Money lion states telephone business hours are Monday through Friday XXXX to XXXX. I am extremely concerned that someone is using identity and personal information to start new banking accounts. At this point, I do not see any deductions from my legitimate bank account I use, but I would like to have this resolved prior to any fraudulent charges or funds occur. There are charges on the online card now posting- One for {$1.00} to XXXX and another for {$48.00} to XXXX payments from XXXX XXXX XXXX 
I will contact the company directly as well as soon as they open tomorrow. In the meantime, I would like to alert you of this fraudulent activity so notification occurs as early as possible. Thank You in advance for your help in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I closed my safety deposit box years ago, Ive communicated with Huntington Bank, they say theyre aware of the mistake but continue to harass me for a box that I closed years ago!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: GA

Complaint narrative:
In XX/XX/2020 a company named Phoenix Financial services LLC sent me a letter stating I owe them XXXX I have no knowledge of this account, Ive never received services from this company. I dont owe any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
In XXXX of XXXX, I transferred a line from a separate XXXX account, to my XXXX account. At the time, XXXX explained that a temporary account needed to be created in order to make the transfer. 

A month, later, I received a bill for the temporary account that XXXX created. After a dozen phone calls and 5 trips to different XXXX stores over the course of a month, someone at XXXX finally said that the issue had been " resolved. '' In XXXX of XXXX, a collections agency reported delinquency on my credit report. XXXX  did not resolve the problem, and send the amount to a collections agency. After more calls to XXXX, they again said it had been resolved. 

I was, at the time, pursuing a refinance that would have saved me thousands of dollars. This delinquency on my report stopped those efforts immediately, as my credit no longer supported these rates. 

However, XXXX seems uninterested in ensuring that this is permanently removed from my credit report. I have made dozens of efforts to resolve this in good faith with XXXXXXXX to no effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC
State: MA

Complaint narrative:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2021-02-21 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: MD

Complaint narrative:
I would like to report the illegal actions, wrong doings, and improper investigations of my complaints of fraudulent and identity fraud activities on my credit report. Experian knowingly allowed 3 creditors on my credit report, after I reported identity theft and fraud to them. I reported identity theft to Experian from XXXX to XXXX. In XXXX, I had asked Experian to put a note on my credit report to not allow credit inquiries and to not verify my identity to potential creditors, without my written consent. Experian did not put the alert on my account, until my 3rd request and not also not until I kept reporting fraudulent activities on my credit report. After Experian placed the note on my credit accountnin XXXX, they still allowed 2 credit inquiries on my credit report, without my knowledge, doing, and written consent. The credit inquiries were performed by XXXX XXXX and XXXX, in XXXX, after Experian placed a note on my file that no credit inquiries are to be performed, without my written consent. They also allowed 1 other creditor on my credit report named XXXX XXXX XXXXXXXX for {$400.00}. This account does not belong to me and I do not have any knowledge of this account. I also have not had no dealings with this company. This company also do not have all proper identifiable information, to identity me. XXXX XXXX XXXX does not have my mailing address, email address, phone number, nor my credit card information to claim that they extended credit to me and to say that I have an outstanding balance. Experian did not perform a proper investigation. Experian is the only reporting agency that I've had these many issues regarding fraudulent, stolen identity/fraud activity, and credit inquiries on my report, after knowing my identity was stolen and after placing a fraud alert and note on my credit report. Experian also continues to give creditors who are as a result of stolen identity and with whom I have no dealings and knowledge of, my home address. I would like for Experian to remove XXXX XXXX  XXXX for {$400.00} from my report. I have no knowledge of this company. This account is fraud, due to stolen identity. I would also like Experian to remove the credit inquiries by XXXX XXXX XXXX and XXXX from my credit report. I would also like for Experian to stop providing my personal information to creditors, particularly when they do not have my proper information, due to fraud and stolen identity.

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 2021-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
Good evening, I am writing because of an ongoing dispute I am having with a collection of which I have not enough information, despite asking for this information on numerous occasions in accord with the FCRA, FDCPA and FCBA. 

The collection appears under the name Net Credit and is listed on my consumer credit files. All my disputes have been ignored and no such paperwork has ever been provided. It would make sense since this is not mine but the company refuses to remove it. i am asking for assistance in this matter. 

I am asking that this agency please assist me in correcting this wrong and holding this company to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
J.P MORGAN CHASE BANK is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with J.P MORGAN CHASE BANK. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with J.P MORGAN CHASE BANK for review or collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
student loans information misleading on my reports. wrong balance wrong open date.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
student loans information misleading on my reports. wrong balance wrong open date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
student loans information misleading on my reports. wrong balance wrong open date.

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX I disputed an item on my credit report as this account did not belong to me. I requested for the credit reporting agency and the debt collector to validate this debt since it was not mine. I received notice from Portfolio Recovery Associates LLC dated XX/XX/XXXX regarding the disputed account confirming they were reporting correct data and attached a monthly billing statement for the account from the year XXXX. The monthly billing statement ( s ) also list an address that I have never been associated with. There response has not resolved the matter nor does it comply with my request for validation. Furthermore the items remain on my credit still reporting negative. Portfolio Recovery Associates LLC has failed to fully investigate this account to ensure it was legally opened by me. REF # XXXX / ACCT # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I feel that these accounts are adversely affecting my credit report and costing me XXXX of dollars in interest every year this is not a regular dispute i have filed a compliant with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap. I will not wait another 50 days to receive response because clearly yawl ignoring me. I demand these accounts be deleted immediately or I will file for ligation due to the stress you gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting an alleged debt, Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I tried reaching out to Bank of America regarding fraud done on my account because I my identity was used without my knowledge, after going in person to a branch I received no help at all and no explanation or a change to explain my situation. I tried opening an account and I wasnt able to anymore. I have no bank account and not able to open with any other bank

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 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
Dear sirs : Good evening. In XXXX, XXXX, XXXX I call Bank of America trying to get copies of the Credit Card Year-End Summary of year XXXX and XXXX of two credit cards whose account ends in XXXX and XXXX. They said that I was no longer his client and they cant provide services in connection withe the close credit card accounts. I said that this policy is discriminatory against the past clients

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 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Please read carefully -- I applied and received a loan from Navy Federal. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. Navy Federal is reporting this account as a mortgage. I defaulted on the loan, Navy Federal agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
CHOICE RECOVERY INC add a collection ( medical ) on my credit reports. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me the you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed 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
Consumer complaint received 2021-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reported to XXXX  that my identity is being used to submit inquires for credit lines, loans and unsecured credit lines, this is continuously happening and affecting my credit. I have filed an official report with the Federal Trade Commission 's fraud department my claim number is XXXX. I would like all the 70+ inquires in the past two years to be removed from my credit report.

Company response to consumer: Closed with explanation