vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
In XX/XX/XXXX i logged into online banking and noticed 2 accounts that were not mine. I called the bank to report it and they were gone. I thought it was an error and everything was done. Fast forward 3 years later.. In XX/XX/XXXX the bank of oklahoma started debiting my open checking account that I have had for years and when I contacted them they said it was an offset of funds due to the 2 accounts that I opened and had charged off 3 years ago. THEY WERE FRAUD. not something that I opened. I have been in contact with the bank for 3 months trying to get this taking care of. They are treating me like a criminal and keep saying they determined that it was me. They will not provide any proof that it was me such as a signature card or the funds it was opened with etc.. I have no information on it because i was not me. I recently was told to file a police report when i noticed it was on my credit report but they are just dismissing my police report too. I need help with this. I get {$710.00} a month social security and I should not be paying for something that I did not do and nobody at the bank will listen or help. It is only around {$200.00} but I dont want to pay {$1.00} for something I didnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022 I applied for a Bank of America credit card online but was denied. A few days later I received a letter in the mail from Bank of America asking for proof of employment and a SSN verification form XXXX to process my credit card application. I immediately mailed the information back. On XX/XX/2022 I called to see if my information was received. It had been awhile and I hadnt heard anything back in regard to my credit card application status. The female representative that I spoke with said that nothing showed in the system saying they had received any information from me, not even from the place which receives the incoming mail. She says it normally takes 48 to 72 hrs to process once the paperwork is received. She tells me to call back in a couple of days. Less than 24 hrs later, XX/XX/2022 there is another ( unauthorized ) hard pull of my credit by Bank of America. I immediately call Bank of America and I explained my displeasure with the unauthorized pull and she says that she would submit my complaint and someone would call me back in two days ( its been almost two weeks now. ) No return call, also stating the inquiry would be deleted without two months. On XX/XX/2022 I called Bank of America to inquire about the complaint to see why I never received a call back and was told by the representative that he was given a hard no! When he asked about deleting the second hard inquiry. 
I was lied too by the first representative whom told me that my information wasnt received. My information was deliberately withheld so they could do another hard pull of my credit! Exactly 31 days. I asked the representative on XX/XX/XXXX where does is state in writing that after 31 days it is legal to run my credit again and he couldnt tell me. My score dropped XXXX points from second inquiry. If I had to authorize the first pull I should have to authorize the second! What if I had changed my mind and no longer wanted the credit card. If I had known my credit would be pulled again I would not have accepted the card.

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 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX  have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: AR

Complaint narrative:
I received a letter from Enhanced recovery services on XX/XX/22. 
A while back I mailed in a cease and desist they removed the debt from my consumer report. 
Fast forward back to XX/XX/22 I received a letter from ERC which they have a XXXX Enhanced Recovery company. 
So, I done my research on this fraudulent corporation and come to find out ENHANCED RECOVERY COMPANY can not collect a debt in Arkansas due to not being licensed for this state. 
This corporation is also in violation due to me not ever doing any business with this entity. 
This is a thirty-party attempting to collect a debt for their own personal reasons. I am currently going through arbitration with XXXX and the alleged debt is not mine. 
This corporation has violated my privacy. 
This corporation has ruined my reputation by reporting such information on my Consumer report. I've been denied left and right for my own credit due to this corporation. 
This is also identity theft due to not having my person to obtain my information and or contact me for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: TX

Complaint narrative:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

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 2022-10-05 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: TX

Complaint narrative:
I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.

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 2022-10-05 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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I spoke with td banks branch and customer service for the XXXX time who showed no care that fraud had taken place on my account and was never disputed XXXX of the beginning fraud transactions for {$430.00}, they never disputed it and the bank basically recouped all the off the money for themselves including chargebacks that I never filed, yet they say I did, and I cancelled them and they told me and XXXX  they woudl return money to the merchant which never happened.. Td banks says I am the first person in history to have some retrieve their pin number and they woudl not all ow me a single dime yet they recoupped every XXXX for them selves especially the XXXX which was the beginning of the fraud ... My wallet and phone was stolen they spoke to someone freely about my account and they took my money and now all of bankers act like they cant help me yet, and i filled out police report yet the bank got the money even took merchants money through chargbacks that i did not file and if they say i filed them, then i also cancelled them but nothing was given back to me nor any of the merchants they frauduently knew what rebuttals to use such as the thief could never made mistakse with a XXXX digit pin that is not enough info to call off in investigation this is a poorly ran bank that takes people with the help of thier banks lying

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NY

Complaint narrative:
Hunter Warfield in XXXX, Florida called me looking for XXXX for a rental agreement that was identity fraud. This was not me. I asked them for email confirmation with this statement and I have still yet to receive this file. They told me I need to fill out an identity fraud affidavit and a police report. I told them i will not do this until i get the paper work with them. I also called the apartment complex but have yet to hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: MI

Complaint narrative:
I sent letters out to all XXXX credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or XXXX party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. Its been over a month now but you still haven't complied to my request and the errors on my report has not yet been removed. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer. I will seek monetary compensation should you continue with your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: DC

Complaint narrative:
I have repeatedly emailed and messaged MOHELA for a month without any response. Their hold times for a phone call are in excess of XXXX hours. It is not possible to communicate with my loan provider to request a refund and forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I filed a disputer with experian about an account that XXXX XXXX XXXXXXXX closed XXXX  and wrote off in XXXX but they will not remove this from my credit report despite the debt being from XXXX, XXXX  years later it is still on my account now written off and listed as closed. They refuse to look into this after I filed a dispute last year and they failed to update their 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 2022-10-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I have initiated an ACH transfer from a XXXX XXXX checking account to a Citizens Bank savings account in amount of {$10000.00}. 
On XX/XX/2022 I have initiated another ACH transfer from the same XXXX XXXX checking account to the same Citizens Bank savings account in amount of {$5000.00} ( the transfer was requested on XX/XX/XXXX, but scheduled for XX/XX/XXXX ). 
This second transfer was canceled by Citizens Bank under the claim that it falls outside of its transfer limits. This information is deceiving t though because Citizens Bank publishes the following XXXX inbound transfer limits : - daily : {$10000.00} - monthly : {$15000.00} Simple math shows that my {$5000.00} transfer should have not been canceled. 
Additionally, on XX/XX/2022, two days later after my initial transfer, I tried to redo the {$5000.00} transfer from XXXX XXXX to Citizens Bank, which again was rejected due to " transfer limits ''. 
Attached is a screenshot showing the XXXX transfer limits published on Citizens Bank own website ( citizensbankonline.com ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc.
State: MN

Complaint narrative:
I received a call from someone claiming to be with student loan forgiveness. I did not provide them any information and hung up. The phone number that called was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is reporting XXXX incorrect addresses on my credit report. Despite me continually verifying only one. This is a serious violation of my consumer rights that has caused damage to my personal life as well as buisness unable to verify my correct address.

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 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Placed order with XXXX on the date of XX/XX/XXXX for # 2 XXXX XXXX XXXX XXXX XXXX extra large capacity red blue the cartridges {$300.00} were to be delivered next day overnight and they were delivered to the wrong apartment complex next door from XXXX XXXX XXXX XXXX delivered to the wrong mail room at XXXX XXXX XXXX XXXX contact by that of representative with XXXX at XXXX. stating she was leaving package in hallway I informed her she could not do that she left package in the wrong mail room next day packages were picked up By that of XXXX confirmed on video cameras including a second pack of latte coffee cans6pk. Contacted citi Bank filled dispute same day of missed delivery XX/XX/XXXX sent dispute emails receipts documents via email to : XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX citi bank to date has refused to apply the required provisional credit for said dispute as required by federal fair credit billing reporting act, Reg E. FEDERAL ELECTRONIC FUNDING TRANSFERED ACTS AND MAIL ORDER ACT

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 2022-10-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I'm XXXX XXXX, and I need your assistance in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This debt was paid and it is still reporting, please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX while at work I received a notification from chase that {$2500.00} had been moved from the savings account to the checking account and withdrawn via check. Within a few minutes I called chase to open a claim and make an appointment to meet a representative and change my security credentials. I was told my debit card was used as the only proof for the withdrawal this debit card was a replacement sent by mail that I never received. A few days later I went to chase to change my pin and close my savings account and have a new one. My first claim was denied due to lack of documents, s I reopened it and provided a police report as well as a sworn notarized affidavit. I thought after this my money would be refunded but it was denied on the grounds that the chase where the withdrawal happened was in my geological location, which did not make sense since this chase was a small booth in a supermarket 2 hours upstate. I later visited this chase to try to get access to their security footage but was not able to. I have tried to appeal the claim multiple times but after faxing the documents to chase I am told they did not receive them time and time and I feel they simply do not want to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: VA

Complaint narrative:
My bankruptcy was completed in XXXXXXXX XXXX XXXX  and Fed Loan Servicing is listed in my discharge paperwork I have contacted them dozens of times to close these accounts there are 14 of them and all of which have been XXXX. They were sent discharge paperwork from the courts as well as myself, since then Fed Loan Servicing sold my accounts to XXXX XXXX  who is trying to collect on a dismissed debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05 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: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX. 
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. SANTANDER CON- SUMER , USA has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXXXXXX XXXX which dated back to 2018. Ive been living in XXXXXXXX XXXX for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.

Company response to consumer: Closed with explanation