vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-28 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:
Hello, sometime in mid XXXX of this year 2022 I noticed my Bank of America checking account was locked and i was never given a heads up or a reason why. When i called They just stated that they were closing my account for whatever reason they may have. The major thing is that they are holding up all my funds i had in my account close to $ XXXX and its been a month now. I have had to borrow money from my peers in order to get by since BOA is holding up my money. Please help. Its insane how theyre able to do this. : (

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 2022-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.

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 2022-05-28 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have the right to privacy. 15 U.S.C 1681 section 604 Section 2 : States A consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692-c : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of Any debt. I also have proof of 3 violations they also made against me and will be further pursuing monetary Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
XX/XX/2022, HUNTER WARFIELD has violated my consumer rights. Hunter warfield has broke the laws of the Fair Debt Collection Practices Act. I want monetary relief. I have attached my affidavit and invoice. I have attached a copy of the validation letter that was sent to a address that is not mine as well. I cycled the laws that have been broken and labeled the laws next to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BELMONT FINANCE LLC
State: NC

Complaint narrative:
Belmont Finance LLC Pulled my credit report after I sent them a Right to Rescind Notice, A Cease and Diest Notice, Affidavt of truth Notice. I never request them to pull my credit. This is fraud and Illegal activity, A Company can not rebutt a natural person I have not sign a contract with Belmont Finance LLC, I sign with XXXX XXXX  They keep saying that every thing is acurate and they are reporting truth to the CRA, I have not been provided any type of proof that I sign a wet contract, A legal contract with Belmont Finance LLC They have not validated this account. The countinue to report my account late to the CRA. Late payments are illegal 15 US code 1681 A 2 A, Transactions are not included on my credit report so how can there be late payments. I demand that Belmont Finance LLC Leave me alone. They keep harrising me reporting negative false information that I did not Authorize them today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXX XXXX accounts

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 2022-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
XX/XX/2022, CREDENCE has broken/violated consumer law. I want monetary relief. I have written a affidavit of truth stating the facts of which laws have been broken by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-28 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: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX XXXX Acct : XXXX XXXX XXXX XXXX XXXX  US DEPT OF ED/XXXX XXXX accounts

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 2022-05-28 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: NY

Complaint narrative:
To Whom It May Concern, Ive just reviewed my credit report and have noticed there are several inaccurate items on my report : In addition, there are a number of credit accounts that have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX XXXX Acct : XXXX XXXXXXXX  Acct : XXXX XXXX/XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX/XXXX Acct : XXXX XXXX Acct : XXXX Education Loans XXXX LNS US DEPT OF ED/XXXX  3x accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I reached out to my mortgage company, Cross Country LLC for my PMI to be dropped in the beginning of XXXX. I was told it would take a week and a half to be processed and would receive a letter in the mail. I received a letter on XX/XX/XXXX. I completed the necessary paperwork and sent a check in the amount of {$150.00} for the revaluation of my home. An appraisal was not ordered until over a month later, XX/XX/XXXX. I set up the appraisal and it was completed on XX/XX/XXXX. After multiple calls to Cross Country Mortgage LLC. I received no information on the status of the reappraisal. I was told my appraisal process would close XX/XX/XXXX. I called back on XX/XX/XXXX and was then told they had 30 days from XX/XX/XXXX, call back after XX/XX/XXXX. I called back XX/XX/XXXX and still no information. I have never missed a payment and have continued to pay PMI ( {$260.00} ) for the month of XXXX, XXXX, XXXX, and now XXXX. Yesterday I was told a letter was mailed and can expect to receive it in 10 days. The appraisal of my house came back at {$550000.00}. I was told PMI could not be dropped. I am now disputing the appraisal as that amount is nearly XXXX lower than any house that has sold in my neighborhood in the last 6 months. I feel that the mortgage company has been delaying and not providing information at my expense as I continue to make PMI payments. I have called and left my name and number multiple times and never received a call back. Every representative could not provide me with information until I filed a complaint and articulated the dragging of feet, lacking of information and unprofessionalism I encountered. Furthermore, I feel the bank purposefully came in low on my appraisal ( {$5000.00} short of PMI being dropped ). Im sure the disputing process will take months and all at my expense as I continue to pay an unnecessary PMI fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello! Im making a complaint against Citibank because Citibank didnt protect my saving account enough that someone was able to make a wire transfer of {$45000.00} on my savings account on XX/XX/2022 without my authorization and that day my phone was hacked so I couldnt make or receive phone calls until the XXXX XXXX.I went to Citibank later to let them know that someone made a money transfer and they started their investigation but later they notified me by letter that my case was denied. 
Thank you for your 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 non-monetary relief
Consumer complaint received 2022-05-28 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
A Fortiva credit card was opened under my name at a XXXXXXXX XXXX  XXXX XXXX  XXXX  in XXXX, Michigan, on XX/XX/2021. They charged {$5000.00} on the card and now have a past due balance of {$1000.00}. I have notified Fortiva and they are working with me to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 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: SC

Complaint narrative:
XX/XX/2022, Transunion has violated my consumer rights. I have written an AFFIDAVIT of Truth stating the facts. The laws that have been broken are with the facts. C.F.P.B I have attached the documents.

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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I deposited my PAYROLL check yesterday at chase bank, via mobile deposit and in the app it said funds would be available the next day, i have also set up direct deposit wich they accepted the 1 cent deposit to verify, now they are saying my money will not be available until XXXX, over a week later, i called yesterday and was told it would be available by XXXX last night so i did not call and badger them and this is a holiday weekend so no one will be in until Tuesday, my car will be reposessed by then because i bought it at a buy here pay here lot and furthermore i will have another check by the time they clear this one, this is a payroll check, not a third party check, they shouldnt be allowed to just hold my money and refuse to give the check back so that i can go elsewhere, that in my eyes is theft, they out right lied to me saying it would be available by XXXX XXXX  last night and when i call this morning they convieniatly cant reach the issuing back due to a holiday weekend, they knew it was a holiday weekend when i called yesterday and was lied to, and as far as them verifing the account the 1 cent direct deposit was made before i did the mobile deposit, that verified it right there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been 3 ongoing disputes for charges in the amount of {$2000.00} that began back in mid XXXX of XXXX ordered a product through Amazon on XX/XX/2022. There was a shipping issue and for whatever reason the product was never delivered, no fault of my own. Through many Correspondences with Amazon as well as the creditor, Synchrony financial the issue still is not resolved.Every time I make an inquiry its the same song and dance, the matter is being investigated.Amazons policy is, if an item is undeliverable there should be a refund issued as soon as possible.We are now approaching 4 months since the disputes ( 3 ) began. I have approximately {$1500.00} in legitimate charges on my account. There was a transaction that was made with the second dispute from Synchrony financial, which was supposed to be a credit to the account, turned out the transaction was a charge which added an additional {$2000.00} to the account totaling {$4000.00} now. Ever month that I receive a statement the minimal amount grows, now up for almost {$500.00} a month when there is only {$1500.00} in legitimate charges, this is unacceptable.

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 2022-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/2020, XXXX AM, PayPal abruptly limited my account, restricting me from using my account in anyway other than logging in, and viewing my balance. I was given no explanation, and only told by PayPal via email, that they " no longer will provide services to me '', along with information regarding the remaining funds in balance, which is {$8000.00} USD. 

PayPal stated in an email on XX/XX/2020, " Money in your PayPal account will be held for 180 days. After 180 days, we'll email you information on how to receive your funds. '' However they have failed to send a single email in regards to receiving my funds, despite the waiting period having surpassed over a year ago. 

They have not helped me, nor reached out to me in any way since this email on XX/XX/2020, and are still restricting my access to my money to this day. 

Its important to note that my funds are in a PayPal " XXXX XXXX Account '', which includes a PayPal debit card, & direct deposit information for an account in my name, that was technically kept at XXXX XXXX, and therefor is FDIC insured. My account was in good-standing for the entire time it was used prior to the sudden limitation. Also, all of the direct deposits to my PayPal cash account, were from the same source, " MA DUA '', which was pandemic assistance that the state of Massachusetts had been determined I was eligible to receive. I had no transactions to, or from another PayPal user, so there is no possibility for a potential chargeback, thus no reason for PayPal to continue restricting my ability to withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I received a loan that was serviced through UAS XXXX for some of my prerequisites for graduate school, which I am currently attending. Nearly two years after I completed those prerequisites, I started to received repetitive emails from this foreign loan company ( UAS XXXX ) when usually my loans are done through FAFSA. They kept reminding me that I needed to complete an Exit Interview ( again, nearly two years after I received the loan ). I thought that this must be a mistake, and then I started receiving emails for missed payments. I didn't even know if this company was legitimate or some kind of scammer because of the time lapse and because usually loans are done through FAFSA. 

The next thing I know, I checked my credit score a few days ago, and they reported a delinquent charge to my account without any warning or adequate help in finding the link for this " Exit Interview '' ( I asked them for clarification multiple times, and I never got the information that I needed on where to find the Exit Interview on their website. It doesn't seem to be listed. It just takes me straight to a " payment page. '' They didn't really care, even though I am still taking out loans to attend graduate school now. Anyway, my credit score dropped by over XXXX points because of their delinquency report! I have since sent them a proof of enrollment verification for my deferment. I called them to ask for more information about all of this, and the person on the phone wasn't helpful or knowledgeable about it at all. 

I would have appreciated any kind of option to make a payment or more sufficient warning before they reported to my credit score. Since that happened, I have contacted them asking them how to resolve this issue and have it removed from my credit report, and they haven't responded, just continually and repetitively giving faulty information on how to find this missing " Exit Interview '' on their broken website. 

I think UAS XXXX is a predatory loan servicer that should be investigated and prosecuted for how they damage the credit score of students who are still attending school.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of america closed my checking account back in 2019. My daughter was a minor working a part time highschool job. She would endorse and sign her checks over to me in which I would deposit into my bank of america account - There is nothing fraudulent or illegal about this!!!! They are reporting that I am suspected fraud to XXXX - making it impossible for me to open new accounts. This reporting needs to be removed immediately!

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 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.

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 2022-05-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: U.S. BANCORP
State: OH

Complaint narrative:
Had a checking with US Bank and they were charging excessive fees. This account was closed in XXXX but they started reporting to XXXX XXXX in XXXX. I paid them in full and closed account. I was told nothing would be reported anywhere since I settled and paid. This is being reported to XXXX XXXX  for no reason since the amounts owed have been paid.

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 2022-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
City bank has been reporting inaccurate info on my credit report Im aware city bank is FDIC support I recently reviewed my credit report provided by your organization, and I was shocked to find several inconsistencies that are damaging my good name. I expect this letter to promptly resolve the pointed data which is reporting inaccurate. 
A collection is by default late and past due, remove account from my credit for reporting past due. Delete account for inaccuracy.

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