vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-23 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:
I have disputed inaccuracies regarding credit inquiries with Transunion. Transunion states that these inquiries have been validated, but they have not been properly verified. 

Per my request, I asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Transunion that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing. Again, I am requesting that the creditor and Transunion provide documentation bearing my signature for consent. 

Please see attached.

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I deposited a check into my checking account at my bank 's ( Bank of America ) ATM on XX/XX/XXXX. The bank put a hold on the check. They would not release ANY of the funds to me. I checked with the issuing bank for the deposited check and they deducted the funds from his bank on XX/XX/XXXX. I went into the branch where I deposited the funds and they said I have to call customer service, they have nothing to do with the ATM. It is BOA and they have nothing to do with the ATM at their branch! I have been calling the customer service number at BOA every day to ask them to release the funds and they keep giving me the run around that they have to verify the check, they don't have the funds from the issuing bank, the issuing bank has not informed them that the funds are available, the funds have to go through the Federal Reserve before it gets to them, they need to validate the funds from the paying bank, the check is still being verified, the funds have to be validated, etc. etc. etc. I have even spoken with several supervisors and they tell me the same thing. 

This is not the first time they have done this to me. I deposited a check from my mother to my account at a BOA ATM on or about XX/XX/XXXX ( I can get you exact dates if you need them ) and they deducted the funds from her account the next business day and they still did not release the funds to me until 10 days later.

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 2018-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Weinberg Mediation Group LLC
State: TX

Complaint narrative:
I've been contacted by this company by the name of Wynberg/Wineberg Mediation Group from the following phone numbers XXXX,XXXX,XXXX even after repeatedly asking them over a course of two months they still call me on my cell phone and leave messages all the time I am sick of this at least 4 to 5 times a day threatening me with jail time and lawsuits I just want to know why it hasn't been stopped I've seen dozens and dozens of complaints about this when I research the various phone numbers they call from and to no avail I want them to stop stealing customers information and identities and trying to collect debt illegally there should be some jail time behind this!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: NC

Complaint narrative:
I have attempted consumer portfolio on numerous occasions dating back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX to try to make a settlement on this XXXX XXXX XXXX I that I have with XXXX miles on it. The car does not work and I can't do a voluntary repo because I'm in the process of trying to buy a home. I have spent over {$4500.00} trying to repair the car and over {$300.00} in rentals to get to work and to my son 's school. The car is smoking from under the hood, the car had a wiring blower recall, and it's not worth more than {$1000.00} at other dealerships. I have tried to settle for {$5000.00} and {$6000.00} back in XXXX when the company indicated they needed at least 80 % of the loan amount which I owe {$10000.00}. I said that's impossible the car is not working nor is it worth anything. They kept saying we will have the president review, we will have the supervisor review and then no response. They then add the payments to the back of the loan while they are waiting on this response and never contact you. This company has also been sued recently. Please assist in this matter. 


Now I have received an email today as of XX/XX/XXXX about an EXTENSION- I never asked for an extension. NEVER. This goes to show how faulty and fraudulent this company is! Enough is enough of this company. AND AN ADDITIONAL {$1100.00} has been added to the loan some how as the payoff showed around {$9900.00} last week. 

You can see all the payments I made and how they have been applied. The loan was only for {$13000.00} and I still owe $ XXXX. Something is WRONG! 

They indicated on numerous occasions it was nothing they could do and now they are adding some extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a {$1000.00} cash deposit to a Chase ATM at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The machine ate the {$1000.00} dollars and gave a receipt saying to call XXXX number to verify deposit. I filed a claim. They said it may take 45 days to investigate. I would like film footage before they destroy it and my money credited. 45 days is absolutely too long to wait for them to check if my money is in their ATM. They had to have audited the ATM by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I received a XXXX in XX/XX/XXXX & XX/XX/XXXX from TD Bank with an incorrect address for my property located at : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( previously XXXX ). 

I've been working with XXXX XXXX, Manager ( XXXX, CT ), XXXX XXXX, XXXX XXXX & XXXX XXXX, Regional Manager (  XXXX, CT ) since XX/XX/XXXX to correct the issue. As of today ( XX/XX/XXXX ) I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: OH

Complaint narrative:
I have disputed inaccuracies regarding credit inquiries with Experian. My first issue is the listing of an address that does not belong to me, yet the inquiries are coming through under this address. I have submitted my driver 's license and copies of utility bills showing my correct address ; however, Experian keeps stating that the inquiries have been verified. 

Per my request, I also asked that they submit documentation that these inquiries belong to me ( i.e. my signature, handwriting ), showing that I consented to the inquiries, I have not gotten any documents just that they have been verified. I have advised Experian that using XXXX is not the correct procedure for verification. 

I have submitted a letter with the list of incorrect issues that I am consistently disputing including the new listing of this unknown address. 

Again, I am requesting that the creditor and Experian provide documentation baring my signature for consent. 

Please see attached.

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 2018-05-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

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 2018-05-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a " XXXX  '' XXXX MasterCard through Synchrony Bank. I had been receiving emails for the past few months stating that since XXXX " XXXX  '' XXXX would be closing, Synchrony would be sending me a Synchrony MasterCard to replace my existing " XXXX '' XXXX MasterCard. The most recent of these was sent on XX/XX/XXXX. I then received a letter in the mail that was dated XX/XX/XXXX that stated they would be closing my account instead of sending the replacement card. I had been using the " XXXX '' XXXX MasterCard and it carried a balance until recently. They were willing to issue me a card while I was carrying a balance, so much so that when I logged onto the website they had already set up the Synchrony MasterCard   account ( XX/XX/XXXX ) with a whole new card number. However, once they received my money and after I had paid off my balance on the card in full, that they close my account ( XX/XX/XXXX). I had no history of late  payments on this card or any other derogatory remarks from the company.

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 2018-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Today, XX/XX/XXXX I used Bank of America 's login to send money to an individual to purchase tickets to a hockey game. The price for two tickets was {$200.00} total. I logged in to Bank of America to send the payment through their app called XXXX. Per their website this is intended to " Securely send or receive money to/from others using only an email address or mobile numberno account numbers needed. '' I used this to forward the {$200.00} to the individual. After it was taking a little while to get the tickets emailed I decided to look into this further. I used a fake email to email the same guy and ask for the tickets. He agreed to sell them to me again though I had already paid him as the real me. So I knew it was fake. 

I called XXXX and was told there was nothing they could do but I should call BOA and speak with them. I spoke with BOA and was told that the payment says it is processing but has already been sent. The lady I spoke with indicated that since I authorized the transaction there was nothing BOA could do. I have an issue with BOA falsely advertising their product as a " secure '' way to send money. XXXX also indicates that they are a secure way to send money and back that up as indicated by protecting the user if fraud occurs. Buried deep in the TOAs does BOA finally say that this isn't protected. Please note that it doesn't say this anywhere in the process to send money and I only found it after I XXXX  this and had to really hunt. I would like BOA to refund or charge back the {$200.00} as requested. I would like them to back up something that they promote within their own website as being safe and secure way to send money. 

Please also note as quoted from their website : " Is it secure? Yes, with our BOA Mobile Banking Security Guarantee, you are protected by the same security you're used to where you will not be liable for fraudulent transactions ( when reported promptly ) and we will help keep your information safe. '' This transaction is now fraud due to the fact that a service was offered and then not provided.

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 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Merchants' Credit Guide Company
State: AL

Complaint narrative:
Company keeps calling my job and leaving threatening messages to my co-workers that I'm in a lot of trouble if I don't return there call and settle my debt or they would process a warrant for my arrest for fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Account has wrong information. Never opened an account that year. Amount owe {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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: AL

Complaint narrative:
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE EQUIFAX CONFIRMATION NUMER XXXX FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED EQUIFAX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23 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: AL

Complaint narrative:
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} XX/XX/XXXX {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} COLLECTION ACCOUNT XXXX XXXX XX/XX/XXXXShow Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX  XX/XX/XXXX {$2000.00} XX/XX/XXXX {$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND XXXX AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.

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 2018-05-23 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: AL

Complaint narrative:
PAID FOR CREDIT REPORTS TO CORRECT ERRORS ON MY CREDIT FILE, FILE DISPUTES WITH NO RESULTS.. ITEMS ON MY REPORT ARE NOT MINE XXXX CONFIRMATION NUMER XXXX  FOR CREDIT REPORT Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$950.00} 04/30/2018 {$85.00} PAYS 31-60 DAYS Closed Accounts Account Name Account Number Date Opened Balance Date Reported Past Due Status Credit Limit XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$7200.00} XX/XX/XXXX {$7200.00} CHARGE-OFF XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$1400.00} XX/XX/XXXX{$1400.00} COLLECTION ACCOUNT XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$45.00} XX/XX/XXXX {$45.00} CHARGE-OFF {$2500.00} XXXX XXXX XXXX XXXX Show Details XXXX   XX/XX/XXXX {$2300.00} XX/XX/XXXX {$2300.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX   Show Details XXXX XX/XX/XXXX {$2000.00} XX/XX/XXXX{$2000.00} COLLECTION ACCOUNT XXXX XXXX XXXX XXXX Show Details XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX 120+ DAYS PAST DUE THESE ARE NOT MY ACCOUNTS AND I HAVE CALLED XXXX AND EXPERIAN AND FILED COMPLAINTS IN WRITTING WITH NO RESULTS TO CLEAR THESE FROM CREDIT FILE.

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 2018-05-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.

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