vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I tried to open a IRA account with XXXX XXXX this morning ( Application ID : XXXX ) but was denied. I have spoken to two different representatives from XXXX XXXX and the Bank of America platinum honors line after waiting for a long time on hold. The last representative that I spoke to stated that the denial is coming from Bank of America and told me to call another number. He also claimed I placed a do not open a account order which I have never done. 

I found all this to be unacceptable with no clear answer why my application is being denied and being given the run around. I have been discriminated in the past by Bank of America with random closure of my checking account which was reversed in less than a week due to their error. I have never had a negative transaction with bank of america or its affiliates to warrant this treatment. 

Please forward this complaint to the office of the president and FINRA.

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 2019-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is trying to collect a debt that is not mine. They are listing themselves as a factoring company when they are not. Ive never had an account with either them nor the company they said they took over for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my 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 non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: ND

Complaint narrative:
On XX/XX/2619 I went to u.s. bank about XXXX in the morning to pull money out of the ATM like I always do it was broken when I put my card in it fell straight down to the people that were working on the machine I asked the lady can I have my card back she said I need to see ID I said hold on a second I have to go get it out of the car when I came back she had took it upon herself to shred my card, I understand policies I was just going to the car she didn't even give him the time I never received money from the ATM or anything like that I use that ATM all the time.she had no right to shread my card and then lied to my husband and said the machine did it when the machine was broke down she did it.

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 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
On XX/XX/2019, I send {$50.00} + 3 fee Minutes later, I got the following message, Dear XXXX, We're sorry, but your bank declined your most recent payment to Western Union. We want to help you complete this transfer. Here is what you can do : 1. 
Please call the number on the back of your credit or debit card and ask the bank to approve your Western Union transaction. 
2. 
Then try your transaction again with the same credit or debit card. If you still need help, please call Customer Care at XXXX. If it happens again, please try another credit or debit card. You can also pay with your bank account, but you will need your routing and account numbers. Or you can send money to your receiver through your bank without sharing your bank information, like bill pay. Learn more about this option. 

We're sorry for the inconvenience. Thanks for using Western Union. 

When I called the number, I was answered by a voice telling me that I have a debt. That person was making threats. That same person is still calling my number and leaving threatening messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: FL

Complaint narrative:
I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my 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 2019-12-27 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 just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: POPULAR BANK
State: FL

Complaint narrative:
A court order directed Popular Bank, to transfer funds in my mother 's name to an estate account after her passing. Also in the account were checks deposited in my name in the amount totaling of {$87000.00} My funds have been tranferred and the bank has now closed my account PLEASE HELP This is the institution information Popular Community Bank https : //www.popularbank.com/ XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL 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 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America are the biggest thives. 
They are charging fees, on top of fees, on top of fees. 
I have received an email on Thursday Morning at XXXX, from bank of america , that my account balance is {$26.00}. 
at XXXX, I have received an email that an ACH transaction was presented and that my balance dropped to $ XXXX. 
at XXXX ( before XXXX am ) while the transaction was still in process. I deposited {$300.00} into the account. 
I have a recipt from the atm that says that the balance in my account after the deposit is {$36.00}. No fee is chaged. 
I have autorized a transaction from XXXX at XXXX on the XXXX!!!! 
and received an email that it used prossesed on the XXXX. the transcation did not prossesed at BOA until XXXX on the XXXX!!! AFTER BUSINESS HOURS!!!! 
today XX/XX/27, i was charged 2 time {$35.00} overdrwon fees for both of the transactions!!! 
I understand that there was charge for the XXXX but NOT FOR THE {$290.00} TRANSACTION WHICH WAS COVERED WITH THE DEPOSIT!!! 
This is unacceptable and completely wrong!!! 
I have 3 other account with other banks and none of them is fee abuser as bank of america. 
Before I am reaching out to get legal advise with regards to this, I am requesting the fee to be returned to my account!!!! 

best regards, 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 2019-12-27 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: NV

Complaint narrative:
On XX/XX/XXXX and XX/XX/2019 XXXX XXXX took {$2200.00} and {$580.00} from my account. I did not authorize this transaction nor did I give them my account information because I have no knowledge of who this company is or what it offers. I put in a dispute on the same day XX/XX/XXXX when my banking app alerted me. I have not been refunded my money. I also put in a complaint to the XXXX  on the same day and got a response from the company saying that I sign a document that I didn't. They also said that they have been emailing me and have been in contact with me which is not true at all. They have provided an email that has never been my email and an IP address which is also not my IP address. I turned in the information to the bank with all the proof that nothing this company has is from me. When looking up this company on XXXX  they have hundreds of complaints. I also looked them up on XXXX and they do not even exist. The internet clearly states that this company is a scam and has been scamming people. All I want is my money back. I believe that if I put my money into an account that it should be protected and it wasn't because the bank hasn't given me my hard-earned money back. I don't make that much and have been saving this money for 3 years and is unfair because the bank should have given me my money back when I called into dispute it and went after this 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 monetary relief
Consumer complaint received 2019-12-27 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase credit card states that I have an outstanding bill with them. To the best of my knowledge and record-keeping and documentation, what I have ordered from the website Amazon purchased three ( 3 ) antique copies of the XXXX XXXX XXXX ), I already have paid in full including shipping and handling purchased in XX/XX/XXXX, and PAID IN FULL EVERSINCE. Because I very seldom shop, let alone shopping online, I am not interested in subscribing to Amazon Prime. 

On XX/XX/XXXX, I have received a bill for XXXX-what gives? I sent the statement back with an explanation and a copy of my payment to reflect my PAYMENT IN FULL. on XX/XX/XXXX, I received another bill for {$91.00}! I called Chase at XXXX to question this bill. After being passed around three different people, I finally spoke with a person in the fraud department. This person stated that he would have this investigated, in the meantime, my credit score has gone from XXXX to XXXX. The explanation states the late payment from my Chase credit card, xxxx-xxxx-xxxx-XXXX. 

The resolve I would like to see is the following : 1. For Chase to contact Amazon Prime and correct the error and cease the fraud activity ASAP. 
2. A CORRECTIVE ACTION for Chase to contact all credit bureaus and report this error and correct my score to what it was. My credit score should even be higher now that I have earned more creditworthiness after the current purchase of a home, AND paying my car note in full! 
3. To be provided a CORRECTED copy of my credit report from XXXX, XXXX, and XXXX  as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Instarem PTE Limited
State: GA

Complaint narrative:
This is my 5th complaint! .. company close complaint each time without answering to the point satisfactorily.. looks like clear delay n discourage tactics.. Either they do not understand the complaint or simply doesnt want to answer.. My personal data is held hostage by company and company is not disclosing specific points as to what regulation mandates to keep personal data held up when there was no monetary business as the transaction was just a sign up to digital service.. I seek below very very specific info from the company this time. I do not need timeline of past interactions directly with company 1. Copy of terms n conditions where I consented 2. Any federal guidelines very specifically asking to retain personal records when there was no monetary transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: CA

Complaint narrative:
Experian reported an old closed account as a collection. When I submitted the dispute ; not only did they not look into the original issue, they made the collection a recent account and is now on my credit report for an additional 7 years. When I resubmitted the dispute they still did not take any action and when I called in several times to get a investigation report on how this decision was made, I was hung up on every time. I would like to process this complaint against experian to the fullest extent on the law. Also, beside Experian.. I also contacted the issuer of the loan. And they did not provide history of my loan, but just sent me a letter saying I needed to take it up with the credit reporting agency. Bottom line : this is an OLD debt. That was doubled on my credit report history after my dispute. This was paid years ago and it is now showing as a recent collection which is causing me a lot of problems. Every other agency has report this accurately but Experian refuses to resolve this matter.

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 2019-12-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
As of XX/XX/XXXX, All three major credit bureaus ( Equifax, XXXX, and XXXX   ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CitiFinancial was a second mortgage that was paid off sometime in XXXX as well there was another one with the same lending institution that was paid off and sent to the register of deeds on XX/XX/XXXX. 

My mother passed in XX/XX/XXXX and I'm trying to sell the house, however ; the deed is still showing these debts. 

The property address is XXXX XXXX XXXX, XXXX, TN XXXX Mother : XXXX XXXX CitiFinancial is no longer in existence. 


I called the banking commissioner and they told me that CitiFinancial was fined and closed for they business practices. 

we have tried every avenue given to us and can not get any help with getting these debts removed from the title deed, so I can close on the house. 

The title company is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The American Express account was closed but there was a remaining balance of {$3.00}. In XXXX of 2019 I called to pay the account and the customer service representative removed the amount because she said it was trailing interest so the account balance was {$0.00}. Today, XX/XX/XXXX, I notice the amount is still being reported on my credit report and is showing 120 days late. Once again, I called them and they removed the interest but would not remove the derogatory report from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Social Finance, Inc.
State: PA

Complaint narrative:
I have not received my {$50.00} promotion for opening my account with {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27 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: IL

Complaint narrative:
As of XX/XX/XXXX, All three major credit bureaus ( XXXX, XXXX, and Transunion ) are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.

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 2019-12-27 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: IL

Complaint narrative:
As of XX/XX/XXXX, All three major credit bureaus ( XXXX, Experian, and XXXX  XXXX are reporting my student loan accounts with XXXX and XXXX inaccurately after I have disputed the items several times and gave them supporting documentation from the educational loan service providers confirming that my accounts have never been delinquent, they are in good standing ( deferred ), and not included in bankruptcy. I've requested that XXXX be deleted from my reports because I do not have a balance with them and they no longer own my account. XXXX reported this account closed as of XX/XX/XXXX and the credit bureaus refuses to delete this loan service provider from my credit files. I also requested that my XXXX accounts be taken out of a negative status and reflect positive as these accounts are deferred and in good standing with the department of education. I'm filing a complaint because I have been disputing this inaccurate information since XX/XX/XXXX to no avail. Please assist me with having this information reported accurately on my credit file. Thank you.

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