vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I filed a complaint with the CFPB against Bank of America ( complaint id : XXXX ) regarding an unpaid account opening promotion. The resolution to that complaint stated " ... in the absence of any proof that these were the recurring direct deposits of a paycheck, we respectfully declined to provide reimbursement of any amount. He said that he understood this, and wanted to submit proof that XXXX was his employer at the time ; he was provided with the fax number XXXX for this purpose, and was informed that no further dispute could be made until the documents were received. He was satisfied with this outcome and had no further questions or concerns. '' I want to clarify that I was satisfied that I finally received an answer as to why I did not receive the bonus, and finally had something that was actionable. In retrospect, I am surprised that Bank of America believed that the resolution to the complaint was to give me the information, but did not seemed interested in receiving the proof that I did in fact meet the requirement. The Bank of America employee that spoke to me on the phone provided me a fax number that said went directly to him, and that if I sent him proof of employment at XXXX, he would respond within 1-2 days. I  submitted paystubs for the relevant time period on XX/XX/2019, which was the same day I spoke with the Bank of America employee. I have attached the fax that I sent to the Bank of America Employee ( " Bank of America Complaint '' ). Page six is the " transmission verification report, '' which is the confirmation that the fax was sent. I was told by an XXXX employee that the " OK '' next to the " Result '' indicated a successful send. 

I am submitting a second complaint because I did as the employee instructed, and I have been ignored a 3rd time. Bank of America has only seriously responded to me when I submit a complaint via the CFPB. Bank of America 's complaint response system has failed me. In my case, I believe the promotion has been a deceptive practice under UDAAP. They hooked me with a promotion, and had no infrastructure to follow through with their promise to me. I have been persistent with them, and I wouldn't be surprised if there are other, less persistent consumers that have given up on getting their bonus due to Bank of America 's failure to quickly and effectively resolve their concerns and complaints. 

I have also attached the original complaint " Complaint Detail '', the original promotional offer " XXXX - An exclusive {$300.00} bonus offer ... '', the statement demonstrating the direct-deposit requirement met " XXXX statement ''.

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 2020-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am seriously about to result to legal action against the DRS ( Debt Recovery Solutions ) they have continued to damage my credit. I was never notified that they would be placing a negative collection item on my XXXX  report dropping my excellent score by almost 90 points. This is not something that I will take without a fight because now they have resulted to trying to damage my good credit without notifying me. Please investigate and have DRS to remove this negative medical collection item from my credit report or I will seek legal action. Im going to use the power of social media to share my story because thousands of people are being harmed by their sneaky, conniving and unlawful debt collection practices. I will not move forward with legal action or social media sharing they immediately remove this negative item {$200.00} medical collection from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
So to start off the mortgage is in my mother 's name Wich she passed away in XXXX and they know this I had trouble in XXXX with my the mortgage and they helped me no problem then in XXXX I had problems again we'll this time they didn't help as easy as the first time they wanted us to submit a bunch of paper work Wich we complied with and then they would talk to us now that I have lost my job and got behind again now the paper work we did last time isn't good enough they want other stuff that can't happen right away and they waited months to tell me this they didn't tell me this back in XX/XX/XXXX when I sent the first set of mortgage assistance paper work in they just ignored everything and never told me if it was accepted or not so finally I reached out to other places that could help me and they have called twice and chase won't even talk to them so now the place won't help me because of that so I ended up sending another set of mortgage assistance paper work in on XX/XX/XXXX and that when they finally tell me that they need other paper work that impossible for me to get right away and they know it so they finally talk to me after they send out forclouser notice so what they are doing is they know there's alot of equity in the house now and they played games so they could steel it from me and make more money off of it and the probally don't even own the mortgage on the place they probally have it somewhere else but will buy it back for cheap when they steal it from me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I have a credit card at first bank card.com/tcf bank. I paid my balance in full by the due date. They still charged me a interest charge of XXXX .I called customer service XXXX XX/XX/2020 and XX/XX/2020 to try and get this charge reversed. They refused to do this. They also said that Ill have another interest charge next month even if I pay the full amount. I feel that this is unfair and that their statement is false and misleading. All of the credit cards that I previously had didnt charge you interest if you paid in full every month. Any help, you give would be greatly appreciated. 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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 2020-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 2020-01-25 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: NV

Complaint narrative:
The inquiries listed were unauthorized. The accounts listed, are not mine.

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 2020-01-25 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: NV

Complaint narrative:
The inquiries listed were unauthorized. The accounts listed, are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
The inquiries listed were unauthorized. The accounts listed, are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
These accounts listed are not mine. Please remove them.

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 2020-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
-On XX/XX/2020, I found a listing for concert tickets on XXXX and reached out to the seller at XXXX to inquire about XXXX tickets that cost {$60.00} each. The seller had asked receive payment through XXXX. Trusting that my bank ( Chase ) is behind me if anything goes wrong using their money transferring service XXXX, I went ahead and transferred {$240.00} to the seller/scammer with the email destination of XXXX. The scammer promised to transfer the tickets to my XXXX account, but tickets never arrived. I then tried sending multiple follow up texts and tried calling but then I was blocked by them and sounded like deleted their phone numbers. I then reached out to Chase hoping I can report and dispute the charge and hoping I can get the money back. Chase informed me that there is nothing they can do other than letting the recipients bank know about this and up to them to take any action. Being a customer for a big bank like Chase, we as a consumer should get more protection than that ... We need action from Chase to protect their customer/ innocent people from fraudulent activities like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
These accounts listed are not mine. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: NV

Complaint narrative:
These accounts listed are not mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Windham Professionals, Inc.
State: NM

Complaint narrative:
I have repeatedly told this debt collector to stop contacting me let this is harassment they still try to call me. I have reported the harassment to law enforcement please see the attached police reports. I also told them that I'm on the federal do not call list. The company has been spoofing their number

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 2020-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX was totaled in an accident in XXXX of XXXX. Ally and XXXX XXXX XXXX XXXX are refusing to take accountability for totaling the vehicle which has led to this writer having to pay fines from the state of NJ. Furthermore, Ally decides to harrass both the father and this writer with phone calls demanding {$16000.00}, yet they would not respond to any of my previous correspondences from XXXX of XXXX to present that would have prevented this issue from evolving to where it is currently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX US bank allowed my cash to be stolen from my account XXXX at XXXX and XXXX branches from someone using my identity at the branch. I called us bank on XXXX they informed me to go to the branch, i went to the XXXX XXXX branch XXXX alerted the branch manager XXXX, she stated i could not file a claim until i had gotten a police report, including telling me she did give my money to someone who looked like me thru drive thru. {$3700.00} was stolen, it placed me in a immediate hardship leaving me homeless. I requested my funds be replaced and i continue getting no where. Im a victim of identity theft. My vehicle was hit in a accident leaving me without funds to repair my only transportation. XXXX was very rude in conversion she is part of conspiracy to discriminate against me changing my ein on my account unauthorized. The XXXX branch tellers was going into my account stealing money and giving my personal information to associates of theirs upon request not following the privacy laws and allowing multiple debits from vendors on purpose in all XXXX. US bank has accepted money and other tokens from high government officials to discriminate me personally, US bank stole my XXXX XXXX XXXX XXXX when i was 80 days behind on payment and demanded i pay the full loan amount to get my vehicle back by paying the two months i was behind, one reason for the discrimination is because i authored a book ( XXXX ) stating facts, knowing the conspiracy Donald Trump and his cabinet members are entangled in with the other nations, it is a retaliation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 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: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
NET CREDIT is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days

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