vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-13 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: NJ

Complaint narrative:
Representatives from the Bank of America from an alleged XXXX number have been calling me regarding my complaints to the CFPB. It is impermissible for them to be calling me as this matter is now in litigation before the CFPB. 

The fact is that XXXX XXXX has been fraudulently withdrawing money from my BAC account. I have repeatedly told the BAC but they refuse to reverse the charges that XXXX XXXX has made on my bank account. 

The BAC is violating the law by not doing so. 

The BAC has all my financial records with them. There is no need for them to be harassing me with their telephone calls. 

Just reverse the fraudulent charges, BAC! That is not rocket science, BAC! 

That is common sense and sound judgment, BAC! 

But no more telephone calls, BAC! None, BAC!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi there, one week ago I noticed that Bank of America has closed my Credit Card without any notice. After I followed up several times, I received a letter stating that they closed my account because of several inquiries and high balances in my FICO report. I then visited a branch, talked to an officer and they connected me to Credit and Risk department, ( unfortunately I dont remember their name, but one of the was XXXX ) they kept insisting that the business made that decision, they said they were " concerned '' that I had balances in my report, but it doesn't justify their action because 1 ) I've been 100 % on time with all my payments to Bank of America and all other banks, in fact my credit report says 100 % exceptional on time payments, not a single late payment, 2 ) I've always been on time with my all payments to bank of america , and 3 ) very recently I opened a few line of credits with some credit unions for my business, that dropped my score from XXXX to XXXX, but I've been on time with my payments and am paying my loans. Nothing is wrong, I have a well-paid job and am also making money out of my business, and am paying back all my loans, no delinquency or late payments. In fact, like anyone else that they get loan, at the beginning you have several inquiries on your report and since you open a new loan, your credit score drops but as you start paying off, it bounces back. That credit card that I had was my oldest card/account and now that they closed this account only because they were " concerned '' it destroyed my credit history, profile and so forth. I find this bank of america 's action very unfair. They could have waited for when I was late on any of my payments then they could draw a conclusion that they were concerned about my other balances and then close my card, but with no convincing grounds, they closed my card and I want to sue them and file a compliant because I want that card/account to be reinstated. It's also interesting that I'm a gold tier customer of bank of america.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, the natural person, consumer who is protected under the federal law is demanding, that fostered removed/deleted from any and all systems used by the following business : XXXX XXXX XXXX XXXX.I am demanding no further communication, return of property, in regard to the COLLECTION this alleged debt. Lastly, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). I am demanding compensation for damages, willful injury, unlawful accusation, I am demanding compensation and damages under a commercial security agreement including a fee schedule ; for the false claims of an alleged, and unverified without certified mailings, validity of debt, etc. Nothing, for months now this company has " been in review '' of some thing they are willingly doing in unlawfully throughout identity theft and fraud. Equifax, XXXX, And XXXX are still currently reporting information that has not been proven and verified correctly and in violation of FCRA LAWS pursuant to 15 U.S.C. 1681-1681. MY rights to privacy, listing me as the ( DEBTOR ) when I am in fact the authorized user, creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I have been forced to pay student loans in full even though I never graduated high school and could have never used the degree if i finished. I only completed one term yet had to pay over {$10000.00} to get them off my credit so i can't get a home, a vehicle, etc. I completed numerous applications as they offer to forgive loans for these exact situations, however, they have only led me in circles for over 5 years trying to get it off my credit. Finally it is paid in full. But they should never have gotten that money and it is wrong. they are thieves. but now student loans stay on your credit report for life and ruin your life until paid in full, weather right or wrong. unfortunate as it is, the department of education are straight up blood sucking thieves and after the money not in it to help anyone. so sad what the world is coming to these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: TRUIST FINANCIAL CORPORATION
State: AK

Complaint narrative:
I have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: The CMI Group, Inc.
State: FL

Complaint narrative:
I filed a chapter XXXX bankruptcy in XXXX. I recently received an alert on my credit for {$1100.00}. The first time I called credit management llc., the representative was very rude and did not want to give me any information on what they had, so I ended the call. They apparently reported on my husband credit as well and he spoke to someone and we explained the situation but still they werent listening but that there was a second account but wouldnt say what it was. I got another alert today XX/XX/XXXX and I called and it was the same thing, one closed account and another open account but they wont say what but they have my maiden name on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13 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:
I went into the Wells Fargo XXXX XXXX in XXXX XXXX, CA to assist a friend who is unbanked cash her CA gov't stimulus check. She is XXXX and is low income. The bank would not cash her check nor would it allow her to sign the State of CA issued check over to me so I could deposit and give her money out of my own funds. The manager XXXX was very rude and not helpful, and the employees of the branch were also very hard to work with. The lack of help the branch gave to someone who is unbanked and to me a customer for over 27 years was horrible. Wells Fargo does not care about low income people or those who are trying to help them in these tough times for many.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a Citibank customer since XXXX. I had XXXX ThankYou Points expired on XX/XX/XXXX, because I changed the products of my credit cards from Citi XXXX to Citi XXXX XXXX two months ago, and all the points accumulated through my spending on these credit cards expired in 60 days. It had taken more than three years to accumulate these XXXX ThankYou Points. I understand the terms and conditions of the ThankYou rewards program which state the accumulated ThankYou Points will expire in 60 days if I close the related accounts or transfer them to other Citi cards that are not able to accumulate ThankYou Points. However, I never close my Citi accounts, but I just transferred the cards to Citi XXXX XXXX that is indeed able to get cash back and then transfer to ThankYou Points at a $ 0.01:1 ratio, which I thought should be in the ThankYou account family. Therefore, I was totally not aware that my ThankYou Points would expire after I made the product changes. I think the terms and conditions of the ThankYou rewards program is misleading and confusing. Furthermore, I never receive any reminder or notification from Citibank that my ThankYou Points would expire soon. Actually, I did receive an email from Citibank on XX/XX/XXXXXXXX  right before the expiry date ( attached for your information ), which told me I could redeem my ThankYou Points in many ways, but it mentioned nothing about the expiration soon in two days through the whole email. In conclusion, I am very angry about the expiration of my ThankYou Points accumulated in the past three years, with the misleading T & C and without any reminder from Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive received my credit report and I noticed some unauthorized items on my report that shouldnt be reporting. This has been troubled times during the COVID 19

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I got a paper in the mail today XX/XX/XXXX from Synchrony home saying i have a account open ending XXXX which i had no knowledge of. It was also opened with my old last name XXXX. My last name changed to XXXX XX/XX/XXXX. I went to there website and the only directions they gave were to report 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 non-monetary relief
Consumer complaint received 2021-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COLLECTION PROFESSIONALS INC (Illinois)
State: IL

Complaint narrative:
On today XX/XX/21, I received an alert from my credit reporting company that a collection account was listed on my credit report. I have no knowledge of this company and is unsure why they placed this account on my credit record. I never was notified by this company ever and I never received any mailings at my address. This is a fraudulent company and account. I want the necessary information to file a complaint against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: UT

Complaint narrative:
Mortgage was paid in full on XX/XX/2021. Escrow refund was issued and mailed on XX/XX/XXXX as verified by the lender. Refund never arrived, suspected mail theft. Called and spoke with representative on XX/XX/XXXX who transferred to supervisor. They refuse to do anything until XX/XX/XXXX, won't even check to see if it has been cashed. I informed them there have been at least 2 known theft cases in our neighborhood where we and neighbors mail was stolen. American Pacific refuses to reissue the check as requested. They said they will not accept a request to do so until after XX/XX/XXXX, then it will take a minimum of 30 business days to reissue the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX a Target card was fraudulently opened in my name It looks likes a card was opened on XX/XX/XXXX for XXXX XXXX  XXXX , XXXX XXXX Orig CTR on XX/XX/XXXX, XXXX  on XX/XX/XXXX XXXX 
There may be more that haven't shown up on my XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank purchased BBVA Compass and the migration was this week. Usernames and passwords were indicated to stay intact. This evening, XX/XX/2021, when I attempted to access my account, I was given an error " We are unable to use your BBVA USA user ID and password. Please contact us. '' You have to go digging for contact information to " contact us ''. 

I am unable to access my money, so I contacted their support line at ( XXXX ) XXXX after digging around on the PNC website, where I was instructed there was a 20 minute wait time. After 30 minutes, I am still on hold trying to access my money. 

They have botched the migration, failed to provide updated instructions for accessing online account information, and are exceeding 30 minute wait times for their customer support. I was fortunate enough to move 90 % of my money out of this system, including closing a business account, prior to the migration, but I can not imagine  the frustration if this is the only banking product you have access to. 

PNC needs to be fined for this mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The listed company ( Portfolio Recovery Associates LLC ) completed a soft pull of my credit report without permissible purpose. Such action was a direct violation of my consumer rights, warrantable of {$1000.00} per offense. These actions have left me emotionally weary and uncertain in regards to my personal credit information. I would like an immediate remedy to this mishap from the company in the form of deleting the fraudulent account from both my XXXX and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My purse was stolen ( XXXX police report number XXXX ) and my identity was used fraudulently to apply for multiple accounts. This crime resulted in over 40 fraudulent inquiries, personal identification information, employment information, and other inaccurate information on my credit reports from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear Sir/Madam To what is my concern. 

I was owner of Citibank card, # XXXX, opened XX/XX/XXXX on limit of XXXX $ and i was fell on late payment due to death of my wife. 
My late wife, XXXX XXXX XXXX, she is open credit card, under my name to help built my credit and I was give her authority no just for Citibank card, but for all other credit cards. 
On XX/XX/XXXX we are was found, my wife XXXX XXXX XXXX, she is sick with XXXX XXXX and XXXX XXXX, and doctor give her only three to six month of life, but she is pass away two and half month later. 
Before she is pass away, i was try communicate with my wife to give me all access to our account so i can pay all bills. 
Due to driving my wife in and out of hospital, XXXX XXXX in XXXX, my work time and XXXX XXXX i was fell behind my payments on Citibank credit card for month of, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but i was later on pay all credit card in full. 
MY WIFE XXXX XXXX XXXX, SHE IS PASS AWAY ON XX/XX/XXXX IN MY CRITICAL TIME TO DO ANYTHING FOR PAY MY CITIBANK BILLS AND I WAS FORCED OPEN NEW CHECKING ACCOUNT WITH NEW BANK. 
Due to her sickness, she is forget all password and pin numbers together with email, and also she was under extremely heavy medicine. 
I know i have Citibank card, and we never was late on pay bills, just because she was set all payments on autopay for each month. 
Apparently due to sickness doctor tell me, the are possibility she is just delate all auto payments on line. 
I was try contact Citibank by myself numerous time and thru XXXX agency, but nobody never return my call and Creditrepair.com never help me clean my negative item on my credit report. 

Please, if you can help me contact Citibank to remove negative item from my credit report., so i can move on with my life. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A collection letter was tagged with my credit file for services I never received or purchased. According to I c system Inc., XXXX XXXX XXXX XXXX XXXX, MN XXXX ( collection agency ), I am have been delinquent on an XXXX XXXX XXXX account for {$1100.00}. This appears to be the same collection letter that has been sold form on e collection agency to another. I was a victim of Identity theft a few years back and this collection keeps repeating itself with different collection agencies. I have never ever had an account with XXXX XXXX XXXX in my life. how could this be my debt? Please help me resolve this ridiculous practice. It's very stressful when your credit is disrupted. My credit record reflects that I have outstanding credit rating and always paid on time even with high dollar accounts. I need this fraudulent claim removed from my file. Thank you for your assistance.

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