vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX I log into my bank of america account online and saw some transactions that i did not make. I suspended my card so no transactions can be made. Call bank of america right after and while i was on the phone waiting i log back into my online account to look at the transactions again. But this time i wasnt able to. After waiting over an hour i finally got through to a customer service lady and was told i cant file any dispute until my account is not frozen. Was told XXXX did this because identification problem. So i ended up waiting over the weekend. By monday XXXX XXXX i check and was able to log back in. So i call the bank and after waiting over 2 hours i was transfer to fraud department and the lady file the disputes for me. Told me that i will get a letter in the mail within 5 days and for me to sign it and return it asap. So much was going through my mind. But i trusted the bank and did what she told me to do. I call in everyday to check the status of my claims everyday i waited over an hour and was told to just wait. So today 4 days later i call bank of america and after waiting 2 hours a lady in the claims dept answer. Her name was XXXX. She told me that last night XXXX XXXX at XXXX XXXX  close my account due to unemployment fraud so because of that my claims that i made monday got dismissed never work on or look at. I cant file another claim. We both went at it for over an hour by this time i was crying yelling trying to understand whats going on. Because my account was reopen on monday thats why i was able to make the claims and today XXXX tells me that my claims were dismissed due to XXXX  frozen my account. First of all my money in ny account where is it. Am i suppossed to just let it go? No someone stole XXXX out from my account and youre telling me theres nothing i can do? She kept on telling me that because their system pick that up from my account my claims were automatic drop. Wow i couldnt believe it. I just want my money. Thats all. I dont even know what to do at this point. XXXX told me that a police report wouldnt even help. So my money is gone. Its not right at all. I dont know what to do.

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 2020-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Finance, This complaint is against US Bank. I have experienced tremendous pain and suffering due to this account.

Over a month ago I opened an online checking account with US Bank. I had an unauthorized transaction that took place causing m account to freeze. After numerous attempts of speaking with my supervisors, tellers, bank managers, and spent hours being directed to so many different departments. Not even a month I had unauthorized transaction and my account was closed. Even my account being closed and requesting funds to be given either at the branch or sent in the mail. Its been over a month I have waited to see my refund of about {$1100.00}. I take care of 2 Senior parents,  during that time I had experienced a loss, I suffer from XXXX   XXXX  and I even spent hours letting them know this caused health issues. Their response was they couldnt do anything. The efraud team treated me unfairly and discriminated me and also made assumptions. This company have caused sleepless nights, my health to be worse, and I cant believe they are doing this during COVID. 
This bank has contracted with XXXX XXXX to do Bank products and I happened to be a licensed XXXX XXXX agent team member. I find it so hard just my personal experience alone to see how unprofessional these employees such as supervisors, managers, tellers, horrible customer service, the worst. Misleading information and communication is not there. No assistance given. Still after visits to the branch, making customer service calls early in the morning and at night. Unbelievable and horrible work ethics. Unfair treatments. Banks like this caused my health to fail. If I dont die from COVID, the XXXX, XXXX  and XXXX  this has caused is unacceptable business and bank practice. No refund of my closed account and I was told to wait 90 days to stop a cashier check. No flexibility. No options.

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 2020-10-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I accessed my Equifax credit report. In the section for Inquiries '' there is an inquiry placed by XXXX XXXX XXXX XXXX dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, XXXX XXXX XXXX XXXX has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of XXXX XXXX XXXX XXXX. I cancelled my XXXX membership approximately two years ago and closed all of my accounts. 

XXXX XXXX XXXX XXXX had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-09 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: PENTAGON FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/XXXX, I accessed my XXXX  credit report. In the section for Inquiries '' there is an inquiry placed by Pentagon Federal Credit Union dated XX/XX/XXXX and annotated as XXXX -- an inquiry placed for a pre-authorized offer of credit. 

First of all, Pentagon Federal Credit Union has never sent me notice of any pre-approved offers of credit. 

Secondly, I am not a member of Pentagon Federal Credit Union. I cancelled my PenFed membership approximately two years ago and closed all of my accounts. 

Pentagon Federal Credit Union had no permissible purpose whatsoever under the Fair Credit Reporting Act to access my credit bureau reports.

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 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: OH

Complaint narrative:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX 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 2020-10-09 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-10-09 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/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: DISCOVER BANK
State: CA

Complaint narrative:
I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Discover ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX Discover, XXXX Discover, XXXX Discover, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I have been a victim of identity theft for several years and I recently contacted the Ohio Department of Education to have my information ceased sharing with any third party company. 

I have also filed a claim against XXXX  for the most recent data breach in which I was impacted and can be seen by my attachment. They sent me a response stating they do not disclose my information to third parties for marketing purposes, however I specifically asked to stop sharing all information regarding my account to third party vendors including by not limited to XXXX, XXXX, and XXXX  and was denied. 

My accounts are continuously being violated and all entities are soliciting me for paid services to " protect my identity '' although it has already been stolen and continues to be used for fraudulent accounts or applications that I did not authorize. 

I have used the security freeze option and fraud alerts that they provide however, when I am applying for any credit and have those things lifted. I am immediately hacked with someone verifying my information with the knowledge of my student loan history as a verification method. I would like to have a relationship solely with the Ohio Department of Education without them continuing to supply my account history, status or anything of the like with non-government entities such as XXXX, XXXX, and 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 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

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
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
Experian is PREFERRED LEASE as late. This late payment was corrected in the XXXX  and XXXX, but Experian refuse to correct the payment history as this as account was not late. 

PREFERRED LEASE # XXXX Please correct payment history as you are in violation of my rights and COVID-19 law as well. 

If not corrected this information is inaccurate and requires deletion!

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 2020-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The REVENUE GROUP # XXXX has never provided Validation of Debt, Method of Verification, Assignment of Debt for this alleged account. However, continue to report this information on my credit report. 

I never received noticed about this debt and as you can see NO REQUESTED documentation has produced. In addition, they are in violation of my Hippa Rights.

It's been over 40 days since I have requested this information, now they are in violation of the Fair Credit Act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters has reported that I owe XXXX XXXX XXXX {$3300.00} which has impacted my credit score. In fact, I just received a letter in the mail stating that I actual owe {$310.00}. I have attempted to correct this through XXXX  and XXXX   but I have not been able to submit this letter proving the large amount of {$3300.00} reported is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
This is not my account XXXX  XXXX  XXXX  XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please 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 2020-10-09 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: OH

Complaint narrative:
This is not my account XXXX XXXX XXXX XXXX # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please 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 2020-10-09 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: OH

Complaint narrative:
This is not my account XXXX XXXX XXXX XXXX  # XXXX, please delete or produce the original instrument of indebtedness, method of verification and validation of debt. Also, this account is reporting a payment as of XX/XX/XXXX, but account is stating it has been close since XXXX ... 

This is account has many errors on all three credit agencies, please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Hello, I had signed up for credit repair services with Lexington Law in XXXX and continued in XXXX, however, their results were not very successful and I had paid quite a bit of money from the time they started charging me till I terminated the service in XXXX. 

Today, my credit report is nowhere any better than what it was 2 or 3 years ago and their effort did not translate into any success and was very slow to remove any discrepancies and inaccuracies on my credit report. In fact, I have to engage a new service provider as they have to now clean up the mistakes and find areas that Lexintong Law neglected. Their approach is to keep the customer signed up for a long time, but acting on negative items one bureau at a time so it takes longer to clean up the report, and the customer continues to pay monthly service fee..It is one thing to keep paying the fees as long as the results are there to show, but this company did marginal work and charged very high fees to what I can pay now someone else for doing the same amount of work.. 

I am very disappointed that they are able to get away with this type of practice for sub-marginal work and consumers do not know any better and are looped into their approach. I believe there was a class-action lawsuit against them for unfair business practices and gouging people with high prices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

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
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX  XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

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 2020-10-09 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: OH

Complaint narrative:
This is not my account. As I have disputed this account before. Please provide the original instrument of indebtedness, method of verification and validation of debt for this account. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation