vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I would like to file a complaint against Bank of America as their gaps in process is promoting frauds. 
i. I deposited money received from XXXX XXXX for my dining table set. The deal was through offerup. XXXX was planning for a fraud which I was not aware. She had to pay me {$700.00}, but instead paid me {$2200.00}, asking me to pay to movers as her manager made two checks instead of one. Although I resisted, she convinced me. I was making a cross country move and wanted the set to go away and agreed. 
ii. The check showed as deposited on XX/XX/XXXX in my bank account. I transferred {$1500.00} to XXXX XXXX on XX/XX/XXXX through XXXX ( Phone number - XXXX ) based on the BOA status as the money had come in my account. ( {$2200.00} - {$700.00} = {$1500.00} ) iii. The bank took away the money on XX/XX/XXXX from account mentioning the check has bounced as part of their verification. My XXXX transfer money got deducted from my account. I incurred a loss of {$1500.00}. 

My complaint against the bank is- i. They should not show money as deposited if they have not fully verified or put money to my account, as people use that data to transfer money / do any transaction further. 
ii. If they have shown the check as deposited, they should verify with account owner before taking away money from any account iii. The bank closed my complaint sometime back of the check bounce taking no responsibility of it. They are trying to work with XXXX in getting back my money ( they logged the XXXX transaction as second case ), but I do not see any progress for the last month and am a little nervous as the money is very important for me. 

Due to this process gap, many fraud people are taking advantage and innocent people who earn money the right way are cheated. 
When I talked to police about it, they mentioned that BOA is federally insured so they should give back the money. 

BOA case Number XXXX XXXX Account Holder Name : XXXX XXXX Email : XXXX, XXXX Mailing Address : XXXX, XXXX XXXX XXXX, XXXX, WA - XXXX Attachments included : 1. Check received 2. Bank transactions 3. Email snapshot from XXXX ( i have the whole mail chain that I can forward if that helps in any way )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: TX

Complaint narrative:
Please see attach of all credit report inquiries They all are invalid either because they weren't authorized or I've never heard of these companies before, or they weren't authorized due to the full terms being unknown, the false pretense of being able to move forward on a process undisclosed and was actually an unwanted process. Please remove all inquiries from my credit report such as : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: LendingUSA
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
Bought a vehicle back in XXXX under XXXX who recently has a class action lawsuit. The vehicle was repossessed in XXXX  and I have been trying to dispute this off my credit because it has been sold to different collection agencies. This bank was taken to court and under the class action lawsuit even though the vehicle was sold they are supposed to take care the deficiency of the balance to XXXX $ I demand this be taken off my credit report attached is proof its supposed to be off my credit. I am being over charged with fees seems every week or month!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax do not let me access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: OH

Complaint narrative:
I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card. 
I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I was locked up in prison when these account were opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: OH

Complaint narrative:
I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I was locked up in prison when these account were opened.

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 2021-10-12 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: MI

Complaint narrative:
My privileges of privacy have been penetrated and intruded by this bureau which is an immediate infringement of federal law. This bureau is likewise disregarding federal law by detailing misdirecting accounts on their end without my consent. This bureau is detailing misdirecting data on their site and as per the federal law, it is the bureau 's GRAVE RESPONSIBILITY to guarantee reasonableness, unprejudiced nature, and a respect for the consumer 's right to privacy. Their carelessness has caused me pain and I'm looking for legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I was wrongly accused and penalized on my credit report by Portfolio Recovery Associates for {$710.00} on XX/XX/2016. I've already taken the time to dispute all charges. This collection account has had an adverse effect on my credit and I would like them to be removed expeditiously. I have even reported this account as fraud as there is no evidence that this is even my account. 

This company has also been harassing me with an overwhelming amount of phone calls to my home as well as my place of employment. Please have this account removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: FL

Complaint narrative:
bankruptcy Still in my credit and it has Been more that 7 year since the discharge.

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 2021-10-12 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: OH

Complaint narrative:
I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
I was locked up in prison when these account were opened.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: WI

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: CA

Complaint narrative:
On XX/XX/2021 I went to the XXXX XXXX to get a XXXX XXXX  and they sent me to 5 different places in the hospital for a simple XXXX XXXX I was being told that my insurance would cover this cost, If i were to pay the copay. I paid the copay and never received a bill, letter, call or an online notification saying that I needed to pay more. 6 months later I received a letter from a debt collector saying that I owe money and now I need to deal with a company called USCB that they do not even have an email address on their webpage. I called multiple times XXXX on XX/XX/2021 to get an answer but they kept transferring to a different departments and finally they transferred me to a fax machine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021, I made a purchase from XXXX totaling {$280.00}. Because of personal issues out of my control, that same day I had to cancel flight. Within 2 hours of booking I called XXXX ( whom refunded ) my {$280.00}. I tried to contact XXXX to also inform them of the change. I called over 16 times and I could not get a reply. I sent serval emails that same day, and no reply. I did a dispute with my credit card company ( Capital One ) the very next day. I was given a credit and also requested further information, such as cancellation email from XXXX and also documentation of conversation with XXXX. I was also required to write a statement by ( Capital One ) to provide further details. Its been over a month, Ive provided all requested proof required by ( Capital One ). 
( Capital One ) Whom sent a mail, stating that they decided to charge me {$280.00}. For a service that was refunded back to my account. I never got my credit. Per airlines rule, your given 24 hours time to cancel in order to get full refund back. I did and my money was taken. Which violates my consumer rights 15 usc 1692b ( 5 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
ALL INQUIRIES DATED FROM XX/XX/XXXX THROUGH XX/XX/XXXX EXCLUDING XXXX XXXX XX/XX/XXXX. EXCLUDING XXXX XXXX WAS NOT AUTHORIZED BY ME NOR MY CONSENT

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 2021-10-12 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: First Credit Services Inc.
State: GA

Complaint narrative:
I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. First Credit Services violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I took out a loan with Mobiloans on XX/XX/15 I was under the impression that I would like not be charged a one time finance charge how we I have learned that there is a high interest that is accrued monthly. After doing the math I realized that it would take several years to pay off the loan. I am now unable to pay for the loan and have been unable to get in contact with anyone from the company. They are also reporting to XXXX credit reporting f and that was not disclosed. They also do not provide payment history. I have recently learned that they should not be conducting business in the state of California.

Company response to consumer: Untimely response
Consumer complaint received 2021-10-12 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: CITIBANK, N.A.
State: IL

Complaint narrative:
THD/CBNA - Home Depot Citibank North America keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!

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 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To whom it concerns, in a previous response Navy Federal Credit Union. Advised me they received my notice of discharge XX/XX/XXXX. Chapter XXXX discharge in bankruptcy. It was stated I could re establish my membership if I met criteria. I still meet the criteria, but when I called to re establish my membership on XX/XX/XXXX. I was told that I couldnt re establish it until I talk to collections. It was told to me there was a negative share and checking account negative over {$3000.00}? I dont recall ever making said transactions especially not for that amount. My account was not accessible so how is that possible? Additionally I included that share and checking account in my bankruptcy filing which has been XXXX. Yet Navy Federal doesnt update their internal system reflecting such. I would like to re establish my membership. Im not sure where the {$3000.00} in charges came from since I havent had a debit card for that account since XXXX. Please assist me in updating your records correctly so I can open a new share.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation