vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XXXX I made a company check deposit to my small business account in the amount of XXXX  When I made the deposit I was not told there was a hold on my deposit, especially since the check is from a regular customer I make receive and make deposits for in my account. Since I was not told there was going to be a hold on the check and the funds would be available the next day. I made checks to my employees and made my other monthly payments. On Monday I my check was placed on hold for XXXX weeks. 
my payroll checks were returned and I am unable to pay my employees and caused me to be overdrawn by a large amount. 
I called several times and no one helped me at all. Even though the bank is still charging me over draft fees. I am unable to pay my employees or continue my business because they will not release my funds for XXXX weeks. I requested for them to verify funds with XXXX XXXX  and bank of America refused. 
I asked for some of the funds be released to at least cover my payroll and they refused. I was not given notification when the deposit was made that there would be a XXXX week hold on my check. 
Bank of America always places a hold on my deposits for XXXX weeks and at times has told me that it is because my account has been overdrawn but the reason my account is overdrawn is because the constantly placing a hold on my deposits. 
I have called bank of America several timeXXXX to request help I have walked in to my branch and requested help and they just tell me to call the 800 number and then when I do they tell me to walk in to the branch and ask the XXXX to help me out. 
I ask to speak to the department that verifies the checks and they tell me the they are the people who verify but they can not help me. 
I have begged and cried to please help me because my account is so overdrawn and my employees need their payment also. 
I let them know that my rent is due and they did not help me at all. 
I don't understand. They claimed to help small business and especially female owned small business and I feel like they purposely are setting me up to fail. I can not continue my business if I can not pay me employees Bank of America is unfair to small businesses and is causing them to fail because we do not have the thousands of dollars like the big business. 
They do not help out at or give you any options to help.

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 2023-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX I spoke with a lady and asked to be sent a validation of debt along with the full payment history, her response was if you know it is your debt then why do you need this? I waited months and never received the requested forms. 

On XX/XX/XXXX at XXXX I request the same forms I also communicated with the guy about the above incident. He let me know he would send it up with a rush and I should have it in my email within XXXX if I do not to call back. I have requested these verification since XX/XX/XXXX it has been XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-31 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: CA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: OH

Complaint narrative:
Hello, The reason I am writing is due to not receiving timely updates from my loan servicer, MOHELA, regarding XXXX XXXX XXXX XXXX documents I continue to upload for the Dept of XXXX. I resubmitted my XXXX XXXX multiple times, after learning that there was missing information on XX/XX/XXXX. It was resubmitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been in the XXXX program for a number of years now, and have uploaded the same Employment Certification many times, but never had issues with " missing information '' when XXXX serviced the loans. Since the loans have been turned over to MOHELA, I am unable to receive any updates or information about my XXXX  qualifying payment count. 

MOHELA continues to provide this same response, but no further information : " As of this writing our records indicate that we received your XXXX  applications on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please allow XXXX business days for processing. Once a decision has been made you will receive notification of approval or denial. No additional steps are required of you at this time. We will continue to process your manually submitted XXXX form using the date an authorized official from your employer signed your XXXX  form. To receive benefits of the limited XXXX  waiver, the employer 's signature and date on your XXXX  form must be on or before XXXX XXXX, XXXX, even if you submitted your form at a later date. '' When I last spoke to a MOHELA representative, they told me to reach out and check on my qualifying payments IF my Employment Recertification was not processed by XXXX. I messaged MOHELA today because if I call, it gets me nowhere ( same lack of info from the representatives ) but I do spend A LOT of time waiting on the phone.So after months of waiting, I still do not know what my current XXXX  count is. The XXXX count is critical to planning for my future career move, so it is urgent that I receive the most up to date count as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America XXXX Saying I was delinquent and never was even after calling the Bank to verify. Saying my XXXX Acct was paid in full XXXX Credit Card XXXX I paid in full on time payments. This was years ago and they act like this was recently and they keep harassing me Im a Senior on disability its very stressful has caused me to end up in the hospital with cardiac issues XXXX XXXX XXXX XXXX XXXX Has no phone number XXXX cant prove on any medical records of mine or documentation from hospital or doctors that I owe any monies. {$280.00} XXXX XXXX XXXX XXXX XXXX  I cant prove on any documentation from the hospital or doctors of this charges and continual harassment. {$340.00}

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 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called Affirm which I had used many times previously. 
Affirm will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
Affirm has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how Affirm and XXXX handle this type of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Adjustment Services of Harrisburg, Inc
State: IN

Complaint narrative:
In XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulently charged many people in the area including myself. Heres a link to a local article that states the facts - XXXX XXXX XXXX  They fraudulently charged me {$370.00}. Ive tried contacting this bank and they said they would reach back out to me, several times, and never did. this is the only thing on my credit, and its the only thing keeping me back from being able to get credit cards. this is ridiculous and is illegal! why cant XXXXXXXX XXXX fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
MY CREDIT REPORT IS SHOWIMG A DEBT UPWARDS OF XXXX on my credit report im in the mist of doing huge things. XXXX is purchasing a house for my family this is holding me back.the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They keep trying to report this debt to my credit bureaus. This apparently was a credit card that someone opened in my name. This company needs to verify and validate this debt. I tried resolving this with them but they do not respond back. I would like to see the paperwork showing the purchase of this debt. I have tried disputing numerous times and they keep sending a generic message that says the same thing each time. This is my final time disputing this before taking this to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a XXXX  day late payment posted in XX/XX/XXXXXXXX XXXX a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating XXXX5 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
bank chargin excesive fee holding or frezaen checks and not having money available close my account without letting me know causing direct deposit rebound and making me be behind on my bills

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had multiple late payments on accounts that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late.

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 2023-01-31 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: WV

Complaint narrative:
My PayPal account was permanently restricted without any explanation, and I am unable to receive assistance from the customer support staff despite their best efforts. I have previously responded with all of the requested information in accordance with what the PayPal team required. However, they are not willing to give any assistance to me and have abruptly canceled my account while also freezing my funds for a period of one hundred and eighty days. I am aware of how critical it is to do timely account reviews in order to maintain PayPal 's status as a secure environment for consumers as well as merchants that use the platform. Because I am quite familiar with PayPal 's guidelines and regulations, I always do my job in good faith and adhere to all of the company 's policies and user agreements, just as I did when I first signed up for the account and promised to do so. My PayPal account was temporarily restricted, but I did not violate any of the user agreements or do anything else that may have led to the account being permanently restricted. I have not been responsible for any inappropriate behavior. I would want to make a formal request to PayPal that they reopen their investigation into this incident and assist me in regaining access to my account. My PayPal account can be reached at XXXX, which is the email address linked with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: FL

Complaint narrative:
I have officially complained to these companies that I am a victim of identity theft. I did not open these accounts : XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX And I don't believe any charges made to them are my fault. On XX/XX/2022, I had already submitted the FTC report ; on XX/XX/2022, I contested them with the XXXX bureaus and the relevant corporations. Nevertheless, despite my attempts to fix the situation and remove the false information from my credit report, they have yet to respond to me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: GA

Complaint narrative:
As of today XX/XX/XXXX, L J Ross & Associates have violated my rights in multiple ways. On XX/XX/XXXX, I mailed out Certified Mail with signature request a debt validation letter and LJ Ross & associates received and signed for my debt validation letter on XX/XX/XXXX. LJ Ross & Associate decided to report a debt on my credit report before giving me any type of communication ( dunning letter ). LJ Ross failed to send me a dunning letter previously before reporting this alleged debt on to my credit report, which I was never given me a chance to validate or dispute the alleged debt. L J Ross also ignored my written request for validation once I was made aware of the alleged debt with requested documents & L J Ross continued to try and collect by continuing to report and update the debt on my credit report. This has caused me damages. 

Since L J Ross has yet to validate this alleged debt, I am requesting that it is deleted off every credit agency ( ex : XXXX XXXX XXXX ) that they are reporting to. 
12 CFR 1006.30 ( a ) 15 USC 1681n : Civil liability for willful noncompliance 1681n. Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: E-Backgroundchecks.com, Inc.
State: CA

Complaint narrative:
A background check with backgroundchecksXXXX  Shows two addresses linked to my social security number. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive never lived at these addresses and I believe this to be from identity theft. The information is inaccurate.

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