vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. Business ceased due to XXXX in XX/XX/XXXX. Contacted B of A Spring of XXXX as had to return to XXXX as wife has XXXX. Asked how could I deal with the matter. Told me to try to make payments. I offered a payment plan from XXXX pension. They declined. I have transcript told me to contact debt management. All this did was postpone the closing off of the card and added thousands in interest on an unpaid balance around {$50000.00}. Never heard any more until XX/XX/XXXX they garnished a personal account without warning. In XX/XX/XXXX did the same. This account supports my daughter who is a XXXX  mum with XXXX young children. Contacted multiple B of A departments. Eventually recovery told me I had refused a repayment plan in the spring ( totally untrue ) that my debt was now over {$62000.00} and I was personally liable. I agreed to pay just over {$600.00} a month on 2 conditions. 1/ That they took a payment 1st day of month. They took one that day which was XXXX. 2/ More importantly they provide my signed personal guarantee for a company debt and if unable to do so stop garnishing my personal accounts and provide a refund. I wrote on XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX Texas and included Credit Card Center, Debt Management, Debt Recovery, Credit Analyst Department and Business Manager. I have not received any communication whatsoever from the Bank of America to my complaint. I provided my XXXX address. They have my email, USA address and phone. I was told in XXXX that they do not keep records beyond 7 years so it is doubtful they will find a personal guarantee still filed but will put in a request. Really? If no personal guarantee exists then is this not fraud

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 2023-07-30 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: CA

Complaint narrative:
4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of XXXX in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with XXXX little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the XXXX breach

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 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX Arizona XXXX XXXX west XXXX XXXX XXXX My visual is loan money with the option to invest in stock market part of that loan to pay off. 
This reform will fortify and assure trades in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
4 years now I've been dealing with the three credit companies back and forth repetitively since the data breach of Equifax in 2017. Today I am riddled with fols inquiries unauthorized inquiries accounts that were not in mind and went to collections and I'm still being charged for even though I've submitted several FTC reports and police reports XXXX car based inquiries are ridiculous and keep me and my family since I'm a single dad with three little girls from ever having a decent life XXXX XXXX XXXX anyway XXXX XXXX XXXX XXXX all false and submitted in an FTC report several times and a report from the commission overseeing the Equifax breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XX/XX/23 I called IC Systems after having disputed it on my credit report because it was not my debt. IC Systems verified the debt with XXXX, but when I called them they didn't even know where the mailing address or service address was. They were unable to verify any key information on this debt, refused to send me validation of the debt, were forcing me to communicate in a way I did not want, and that was not convenient for me, requiring I file police reports for a debt that was not mine and I knew nothing about, and take legal action against I don't know who. This violated Regulation Z, F, FCBA, DTPA, federal and state debt collection laws, and more. 

XX/XX/23 I emailed them a letter notifying them of these violations, as well as their illegal actions to re-age this fraudulent debt. I also notified them this had been on my credit report before by 2 other creditors. The original was XXXX XXXX, mind you I live in XXXX XXXX and the other XXXX XXXX XXXX. Both times this had been tied to me in error, neither company was able to verify the debt, and in my last conversation with XXXX XXXX, they said they would remove this debt as they verified it was not mine. 

No details on the original creditor other than the name XXXX XXXX were provided by XXXX or IC Systems. They were unable to even provide this basic information or any validating information on this debt. They didn't have the dates of the supposed service, service address, payment history, or any records or bills of any kind. They also didn't have the last four of my social until I finally gave it to them, as they stated they needed it to look up the account. However, in the call transcript, you can hear the creditor representative talking to her boss saying there was no information. I have also attached a transcript of my call with IC Systems and a follow-up email letter. 

Yet it's been placed on my credit report again, re-aged and unverified. They have refused to verify it, or remove it from my credit report which has caused significant damage! 

In my initial dispute with XXXX, XXXX stated it was validated by the creditor, but failed to provide a means, method, or reason as to how it was validated if they didn't even know the address or dates of service this account was for. Thus XXXX failed to actually investigate and validate this debt as they are obligated to. 

Should this not be immediately remedied I fear I will have to seek out compensation from both the creditor and XXXX for the significant damage it has caused.

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 2023-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NY

Complaint narrative:
On XX/XX/2023 around XXXX a fire broke out in the multi-unit building directly behind my property. The address of the fire was XXXX XXXX XXXX XXXX in XXXX XXXX, NY. The fire burned every apartment in the building which contained at least 20 units and took the Fire Department nearly 12 hours to put the fire out. Millions of gallons of water were sprayed into the building leaving my property with a 6 feet of water in my basement and damage to the roof causing leaks into my home. My property was deemed unfit for human occupancy due to my electric panel, boiler, furnace and oil tank being submerged in water and damaged completely. With no electricity or gas this left me and my tenants displaced.. I can not collect rent for either unit to assist my mortgage payment neither can I live in my own property and I am forced to find shelter wherever I can until my home is repaired and declared fit for occupancy by the city again. Due to this I am requested a Mortgage Hardship and would like to know the best options available to me. I plan on keeping the property, I just need hardship assistance until I can repair the damage and get my tenants back to assist with my mortgage payments. My Mortgage payment is currently {$4900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In XXXX  I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized 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 non-monetary relief
Consumer complaint received 2023-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I have tried 7 times to send {$2200.00} to my wife who lost her wallet in XXXX XXXX 4 days ago now. 
I have uploaded my Drivers license, I have talked on the phone for at least 3 hours in total, I was told the money would be available. 8 times I tried it never was available. The stress you have caused myself and my wife with your terrible service is incalculable. 
I wish to complain to the highest degree of these false promises and absolutely amateurish service. I demand an explanation, I demand an apology, I also demand an apology for my wife. I am not going to let this rest you have caused unnecessary stress to my family and it is totally unacceptable. 
This is the worst experience I have ever had in my life, you are totally out of your debt to provide a service, you should not promise a service you can not provide. 
I will not rest till I can cause some damage to western Union, I will pay for the most expensive media blitz to tell the whole world what a terrible service you provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I closed my checking account with Chase a couple of years ago. People close accounts for any reason, but in my case, I went through a divorce. 

For my surprise, I still continued to receive emails about my credit journey. At one point I receive letters from chase to open accounts etc ..... 

They would not allow me to open an account stating that I was a customer. Even for promotions, they would state on their banking system that " I was already a customer. The account I was told was closed, but I don't believe it for a moment. They flagged the account as " closed '', but they keep all the data everything on

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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:
Further information from XXXX on my public record, states that the info Experian are saying they verified through XXXX is false. XXXX even sent out the documentation to Experian that verifies they are holding info on my credit file that they did not get from XXXX. Experian still refuses to provide me verification of where they got the info so I can rightfully dispute it with the entity. XXXX did the right thing and deleted the public file in accordance with the FCRA. With no verification, The info on my credit file dealing with the public record number XXXX needs to be deleted 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 explanation
Consumer complaint received 2023-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IA

Complaint narrative:
My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction. 
The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did. 
Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction. 
Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction. 
Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction. 
In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.

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 2023-07-30 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: PA

Complaint narrative:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This morning XX/XX/2023 i have received an alert from XXXX, XXXX and XXXX XXXX of a new hard inquiry on my credit report from Capital one. I have called capital one already and my account is fine with them. So we believe that someone else has used my info to apply for a credit card with capital one using my info and i have not authorized any application or neither i have done any new application for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30 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: PA

Complaint narrative:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number: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 2023-07-30 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency Number: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 non-monetary relief