vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This check is dated on XXXX. 
Bank of America " fraudulently '' processed the check one day earlier XXXX - causing {$35.00} NSF fees. 
Check is a legally negotiable instrument on that day specific day it was written.

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 2021-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
File # XXXX. From mid XXXX thru the current date I have been trying to correct a credit report from TransUnion and they have not corrected the report. This is regarding 2 XXXX accounts showing 6 late payments on each for a total of 12 late payments. These 2 accounts were in forbearance as clearly shown with the paper work included from the creditor. I have included these documents from ( Begin XX/XX/XXXX through End XX/XX/XXXX ) the accounts clearly show the accounts in forbearance. Then immediately back in forbearance XXXX XX/XX/XXXX. I need this corrected immediately as these inaccuracies have prevented access to mortgages to which I have been prevented from obtaining because of this failure to report accurately.

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to JPMCB asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMCB  to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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: IA

Complaint narrative:
Experian continues to publish two fraudulent accounts alleged by the company XXXX XXXX XXXX. I have reported numerous times I have never agreed to any account for any amount with the company XXXX, therefore any accounts alleged by XXXX would be fraudulent. Experian has reported they did an investigation, however Experian is wrong and I will continue to dispute these accounts and have the law make Experian use their assets to explain until Experian removes these fraudulent accounts. I have requested an agreement from XXXX and they have been unable to provide any agreement between myself and XXXX, yet Experian says they have seen it. So I am requesting Experian to provide me a copy of the alleged agreement between myself 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 2021-04-15 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: PA

Complaint narrative:
I am writing to delete the following information from my profile. The items are from XXXX XXXX and they are listed in my credit report. These should not be reporting to my profile. I ask that the items be deleted immediately to correct my credit report. I reported the theft to the FTC and I have enclosed copies of the FTC XXXX. Please delete these items as soon as possible. 

After numerous attempts to mail these disputes to Experian and to provide the the necessary documentation to them they were still not able to comply accordingly. I have taken further action and asked the CFPB to monitor this. As of recently I mailed out a dispute to Experian on XX/XX/XXXX, to date they have not started on my dispute even though it was delivered. 

Best, 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 2021-04-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, an unauthorized debit was made on my bank account, in the amount of {$7300.00}. The unauthorized debit was for " XXXX XXXX XXXX '', a company with a Kentucky phone number. The following day, XX/XX/XXXX, a second unauthorized debit was made on my account, in the amount of {$1400.00}. This unauthorized debit was for a purchase to " XXXX  '', a company with a New York phone number. Previously the Bank of America would notify me of suspicious activity in my account. I have such a notification from Bank of America for a debit to my account on XX/XX/XXXX, proving that alerts were in fact in place. However, for the XX/XX/XXXX and XX/XX/XXXX purchases, no notifications and no alerts were made. Bank of America paid both of those claims without my knowledge. I discovered the first unauthorized debit when I logged into my account on XX/XX/XXXX, and I immediately called the Bank of America Fraud Dept. to say that I had not placed the charge ; my phone call was made at XXXX XXXX. The following day I saw the second unauthorized debit and again called the Bank of America Fraud Dept. ; I called at XXXX XXXX  to report that I had not authorized that charge either. On XX/XX/XXXX, when the charges remained on my account, I visited my branch of Bank of America and sat down with one of the officers to resolve the matter. I am still waiting for results.

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 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to XXXX  XXXX asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that XXXX  XXXX to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am after 6 months still trying to get Bank of America EDD California money back the was stolen out of my account that has been closed since XXXX, I think ( I am saying I think because I don't have access to it but the criminal may still even after all of the reports filed ) I have/had filed reports here FTC # XXXX, Police report in XXXX county XXXX. I have filed reports with XXXX XXXX office, XXXX XXXXXXXX XXXX office. But instead of anyone asking me or checking with me if what Bank of America complaint response just sent lies to sweep it all under the rug. I spoke with XXXX XXXX, platform manager for Bank of America who told me what he saw, was that the criminals set up a account on their phone, that transferred immediately and directly the money out of my account into their account, and also alerted them anytime money was being put into my account so this could happen. He was supposed to have contacted the edd bank of america claims department to have the write a check and send it to me instead of continuously reimbursing my money to be taken immediately by the criminals. I told this to complaint response person XXXX XXXX, but that person never got back to me. So I am still without the money and I was taxed on it and I do not know what to do about that either. Please help 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 monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
In XX/XX/2020 hurricane Laura hit our home and damaged quite a bit of the outside. Our insurance company took care of us, but our mortgage company Penny Mac has continuously withheld money our money from the insurance company for over 8 months. We have repeatedly called and sent them every document they asked so they would release our funds we've already spent out of pocket to repair our house. Of the ~ {$8000.00} depreciation check sent to us by the insurance company, Penny Mac refused to release the total amount of what insurance sent us and what they agreed to release, ~ {$2600.00}, has been repeatedly denied due to constantly changing paperwork requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: QUALITY ACCEPTANCE LLC
State: WA

Complaint narrative:
When I got into this loan within the first month the engine died I talked to the car dealer to fix it with the due five years ago then since they did not help me my brother referred me to a car company in XXXX XXXX named XXXX XXXX XXXX they convinced me into getting a car from them so after that their car engine died on me too after 2 months so I told them if they can fix it they asked me for XXXX dollars to fix it I paid them and I told them about my suburban so he referred me to his mechanic to get the engine fixed on the suburban so I called the tow truck driver to drive it to the mechanic I notified his mechanic he told me he had no room to store the truck he told me to let XXXX XXXX XXXX to hold it so I did then after the first month of bamboozling me this company placed a lean on my truck and did not even consult my co-signer my mom XXXX XXXX about the crooked deal this company did to me I tried to consult the original car company about the problem and they sold the business I notified the creditor and no help whatsoever

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL : Balance {$650.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX  : Balance {$1000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, AL XXXX The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent an investigation request CERTIFIED to Experian XX/XX/2021 to investigate the negative accounts on my credit report and they have yet to respond. I attached the notice that show they got my letter. So the proof is there. They received my letter and did not complete the investigation in the time given by the law. This is a violation of my rights and I shouldn't have to continue to have a hard mark on my record because they didn't complete their investigation

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 2021-04-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
I have received four cash.app prepaid debit cards in the mail this week with my name on them. I have contacted the company and they refuse to assist me with closing the accounts because I do not know the log in information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paradigm Assets, LLC
State: NJ

Complaint narrative:
XXXX XXXX Debt, XXXX XXXX XXXX, XXXX, MO XXXX was included & XXXX in my Bankruptcy discharge XX/XX/2019. 

JHPDE FINANCE I , LLC XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX added an collection account to my XXXX  credit file for the amount of {$2300.00} stating the collection was opened in XXXX XXXX. The original debtor was XXXX XXXX  according to the collection information on my credit report, this date. 

This collection agency is trying to collect a debt that was listed in my discharge petition from the court. I am requesting that they immediately remove the negative & false information immediately. They have fake contact phone numbers such as the one on my credit report which is listed as : ( XXXX XXXX XXXX which is a sales pitch for life alert. 

Hopefully, they are not doing this to a lot of other people that are just trying to come back from major illness & just trying to get back on their feet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened multiple fraud claims with EDD and Bank of America but I have not received any response. A account was

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 2021-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I have attempted to contact this company on numerous occasions to find a solution to the debt they claim as owed. Most recently I emailed them at the contact listed on their website, Support@AdAstraRecoveryServicesInc.com These communications took place on XX/XX/2021 and XX/XX/2021 and the company refuses to respond. 

As a result, I have disputed the validity of the debt with the credit bureaus and they find the time to respond that inquiry but not to the person actually trying to solve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
Wakefield and associates has called me 16 times since XX/XX/XXXX. I have no debt sent to collections, I do not owe them anything. Dates of calls are : XX/XX/XXXX, XX/XX/XXXX 4x, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. The phone calls are harassing and predatory in nature immediately asking for personally identifiable information. The last call received as of XX/XX/XXXX, the rep that called me said something along the lines of " consider this your last warning '' and immediately hung up, I do not know what they are threatening me with, or for. I do not owe debt to anyone besides a car payment that is not anywhere near being turned over to collections. I have looked online and this " business '' is highly suspected to be a scam and not a legitimate operation, if this continues I will seek legal action against them and contact my state representative as they seem to have a business model of preying on poor people who don't know that this is a scam or otherwise predatory " business ''. Online reports indicate Wakefield and Associates withdraw more money than " customers '' agree to, and only exist to get people to agree to let them drain their bank accounts. The fact this " business '' exists is indicative of the poor state of business regulation in America and is a stain on our national identity, as well as threatening the livelihood of Americans who don't know any better. I suggest the government reign in this scam operation before more Americans have their money drained from their account without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
1. I contacted Finkelstein about a debt settlement for my XXXX debt 2. They told me XXXX to settle the debt over the phone. They told me as long as I pay by the XXXX it will be fine. 

3. I asked them to send a letter. As of today I have still not received the letter. 

4. In good faith I sent the check on the XXXX through my bank and it was postmarked on the XXXX. 

5. They called on the XXXX saying the check was late and that I owed {$500.00} to settle the debt. Additionally the man said I actually owed XXXX which was not discussed over the phone 6. I told them it is postmarked so according to law they received the check. He told this isn't Texas it's TN ( Even though we have a Federal Law that says otherwise he yelled at me and said I was too smart for my own good and that it was a law office and that they know what they are doing. 

7. I felt threatened and offended by the statement and he was continue to yell at me over the phone. 

8. After the phone call the check was cashed almost 10 minutes after. 

I feel like that they held check to intentionally give me bad information so I could pay more. Because this tactic cost me {$300.00} more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
I changed my address with unemployment and it changed the address on my card and so USBank Reliacard blocked my card, saying they were not sure if it was fraud. Said I had to send in state ID and selfie i have been doing that for 4 days and they keep saying they have not received it or there system is down, I have had a couple agents tell me they received them, then they say no they did not receive them .I have uploaded them through the site they gave me, I have also uploaded through there document center, and also faxed them there is quite a bit of money on the can not use or even touch. And when it is unlocked I will barely be able to do anything because of all the restrictions they have put on it, I have a XXXX old who does not understand my card is locked. All she wants is to know why I can't buy groceries and other things she needs. This is the most trouble i have ever had with a card and I will be finding another card company for unemployment that won't block my card like this.

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 2021-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
The balances were much lower before they went into collections, when I called & tried to understand their fees they provided little to no insight. I tried to work with the cell phone companies but they refused to work with me or take any payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
As of XX/XX/2020, I have sent monthly letters to NAVY FEDERAL CREDIT UNION asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that NAVY FEDERAL CREDIT UNION to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation