vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-24 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: NJ

Complaint narrative:
When I was younger I had an interest bearing savings account with XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX at a branch in XXXX, New Jersey. I went off to serve in the military and during that time period the bank merged with another bank and relocated. I recently located the passbook for the savings account. 

The funds were insured by the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) and its responsibilities were transferred to the Federal Deposit Insurance Corporation ( FDIC ) so last month I contacted the FDIC and received an email on XX/XX/XXXX stating my issue was under direct supervision of the Consumer Financial Protection Bureau. Also my correspondence had been forwarded to the Consumer Financial Protection Bureau ( see below ) it has been more than XXXX weeks and I have not received a response therefore I'd like to know : a ) What bank did XXXX XXXX XXXXXXXX XXXX XXXX XXXX finally merge with? Based on the heading of the email I received from the FDIC it stated Bank of America but the FDIC did not provide any details. 

b ) The passbook for the savings account has my name, the account number and balance on it therefore what is the process for getting the funds?

c ) Since it was an interest bearing account am I entitled to receive the interest that has accrued over the years?

Note - Attached is copy of the passbook needed to resolve this matter.

I appreciate you taking the time to address my concerns.

Thank you, XXXX XXXX XXXX XX/XX/XXXX Ref. No. : XXXX Re : Bank of America , National Association ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear XXXX XXXX : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit.

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since XXXX. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the entity you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are closing your case with the FDIC and forwarding a copy of your correspondence to the Consumer Financial Protection Bureau at the address below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : www.consumerfinance.gov XXXX : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation Telephone : ( 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 2024-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have been a PayPal member since XXXX and only use it for occasional sales/purchases on XXXX. I have never violated any of their service rule agreements. Around XX/XX/XXXX, I logged into my PayPal account and read it had been permanently limited. I asked for a reason and possible remedy, but PayPal refused my request. I complained to the XXXX, and despite the efforts of the XXXX, Paypal still refused to provide any details on the limitation or possible remedies. After over a year, PayPal maintains my financial and personal data in their database. I can not delete or change any data. I am seeking help from the CFPB to have PayPal delete my data from their database. They should not be allowed to retain the personal information of people not using their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-24 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: WA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I received an email and text message on XX/XX/XXXX regarding a possible fraudulent charge on my Costco Anywhere Visa Card by Citi ending in XXXX. I quickly called the Citi fraud number to confirm that I did not recognize the {$97.00} charge to XXXX that the email and text had mentioned. The representative also mentioned a {$96.00} XXXX charge on the same day. I denied making that charge too. I confirmed other charges that I had made so it was decided to dispute only the XXXX XXXX charges, cancel that credit card and issue me a new one. 

The next day, XX/XX/XXXX, I receive an email/text regarding a {$97.00} XXXX charge on my newly issued credit card ending in XXXX. I called the fraud line again and the rep told me the charge XXXX have just been mistakenly applied to the new card. I confirmed I was disputing that charge. 

On XX/XX/XXXX I received another email/text noting the same charge and card number. I called the fraud line again and was told the only thing to be done was to dispute the charge, cancel the card and be issued yet another new card. I told the representative this charge would have to have been made before I even got the card and activated it. She apologized, but said that was all she could do. I was issued a new card. 

I now have the new card and all is fine with it, but there is still a {$96.00} XXXX charge on my card. I read the final resolution letter online and all it said was that Citi was confirming that I no longer disputed the charge. So I called the fraud line yet again to say there was still a charge on my card that I have been continually disputing from the beginning. On XX/XX/XXXX, I got my last email from Citi stating that they received additional information and reopened the fraud dispute. It is now XX/XX/XXXX and I have heard nothing and see no indication on my account that anything is being looked into. This should not be taking this long.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This was put on my Credit Report on XXXXas a Charge Off. I received a letter stating that I have no further obligations regarding this account on XX/XX/2023 and still since then until now it has still been reporting on all XXXX of my Credit Reports. Why is they still reporting it if it doesnt belong to me or if it shouldnt be on my Credit Report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I had a secured business credit card with Bank of America. I closed the account and am waiting to receive my money back and they are making me wait XXXX days and two billing cycles. The amount that I'm waiting on is {$2000.00} that I deposited to receive the secured card. Is this normal?

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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 2024-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Re : Account Number : XXXX XXXX To Whom It May Concern, I am writing to dispute the validity of the collection account associated with the account number referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report. 

Below are the details of the disputed account : XXXX XXXX Account Number : XXXX High Balance : {$5000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4400.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Credit Unions Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Profit and loss write-off Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was closed and charged off as bad debt, which has negatively impacted my credit report. However, I have been diligently working to resolve this matter. 

Furthermore, I dispute the accuracy of the reported balance owed. According to my records, the balance owed on this account is inaccurate and does not reflect the payments made towards reducing the debt. 

Therefore, I request that this inaccurate and derogatory information be removed from my credit report. Additionally, I request that you provide me with any documentation supporting the validity of the reported information, as required by the FCRA. 

I expect a prompt response to this dispute within 30 days from the date of this letter, as mandated by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of 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 non-monetary relief
Consumer complaint received 2024-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have a business account with Chase bank. I was receiving deposits from the same bank from my fees that was paid to me for my business. I received a larger deposit on XX/XX/year> and Chase put a hold on my account. They closed my account and told me I would be mailed a check within XXXX  days. It has been almost XXXX months. I asked why my account was closed, they stated they do not have to give you a reason to close account. I was told I had to come in the bank to be verified and I drove XXXX XXXX hours to the bank for them to tell me that their system doesn't verify from XXXX XXXX XXXX  which that is the bank the deposit came from. I've called multiple times and have been told check was mailed, check never was mailed. CHase only verification is if the number is registered in their system. XXXX XXXX XXXX  is a worldwide bank how is it not in your system and what other verification method can be used. They told me none. I drove back into the bank they stated its waiting for verification. XXXX XXXX says that Chase can return the funds and they will send me a check. Chase states that their system won't verify XXXX XXXX number and they will wait up to XXXX  years and send the money to the state. Chase is keeping my money for no reason. Everything can be verified and Chase states that their phone verification saying that it is not XXXX XXXX XXXX  number. XXXX XXXX XXXX  says that, the number provided is their only number. I have talked to supervisors at Chase and they are getting over on us citizens. Please put them out of business. It is nightmare. I have almost {$40000.00} they are holding for no reason. I am getting complaints because I am unable to pay my employees. I was already getting deposits from XXXX  XXXX what changed> it was a larger deposit. XXXX  days I understand waiting but XXXX months is HORRIBLE!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I reach out to the company to remove the inaccurate accounts or show proof of debt validity. The company listed have failed to do so, this company is a third party agency trying to collect on a debt. But, I do not owe or have a contract with Conserve. This is a violation to my consumer rights under the FCRA 15 U.S. Code 1681a ( d ) 1, 15 U.S. Code 1681c-2 ,15 U.S. Code 1681i ( 5 ) ( a ), 15 U.S.Code 1692j & 15 U.S. Code 1682s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am a customer in good standing with very good credit. Having received XXXX  XXXX  plans from Citi before at good rates ( XXXX & 6.99 % ), I applied for another XXXX XXXX  for {$3100.00} to cover dental expenses. This time, instead of giving the interest rate, Citi gave me a per month fee. Because they have given me good rates before and because I have good credit/good payment record, I assumed that they were charging me a favorable rate for borrowing money. Later, I did the math and if the fee charge was converted into an interest rate it would be about 20 %. I feel this fee presentation is a scheme to cover up a high interest rate. This is not transparent, honest, or ethical. It is predatory.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.

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 2024-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I dont recognize this inquiry. 
XXXXXXXX XXXX XXXX XXXX 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