vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
i moved my primary account to another institution because Bank of America violated my privacy when they sent all customers banking info so fed could use to track XX/XX/XXXX rioters I'm XXXX never left XXXX XXXX they didn't ask permission to send my account info and was never requested by federal government only BOA did this. in mid XXXX i noticed my account was in negative sent checks from check bill pay new bank on XX/XX/1919, XXXX and XXXX on XXXX and XXXX sent 2 checks each day, on XX/XX/XXXX Monday called boa customer service said they had never received deposits any of them about 2 weeks after first 2 checks sent, customer service said checks never sent or lost told i would talk to new bill pay and pay another way. mysteriously all checks were found 2 days after complaint and after i cancelled payment cause they told me was lost. o9on first funds were reversed to my new credit union, on fifth bank charged me for all 4 that had been reversed as one lump refusing to show me details of transactions they told me were lost they didn't have. then on fifth all new charges all over again i canceled again said couldn't help talk to local bank made appointment first day could the ninth today. when i got there said could do nothing i reminded her her mask for covid was not covering nose she then gave me cards back and kicked me out of bank she doesnt have to follow covid rules i do and she threatens me with security and i left no argument said i would call boa headquarters and there customer service rep hung up on me so cant even talk on phone i have no recourse

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 2021-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Was contacted by Midland Credit Management. I asked them to send me a validated copy of said debt. They said they had already sent one, which I never received. If I wanted to see another copy, I would have to log onto my account they set up on their website. I asked to set up a payment schedule to call in and make agreed-upon amounts on agreed-upon dates. They refused and informed me that I would be sent to collections and contacted by an attorney from my area if I did not set up automatic payments with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/2018 payment was not late on my best buy card issued by citibank. Company already agreed to fix and they have not.

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 2021-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
We applied to Navy Federal Credit Union for a preapproval mortgage loan. They offered a service to put us in touch with a realtor. The process for the loan went good at the beginning. Then the loan officer never called or kept us up to date on the process. So I decided to call and found out that our application has expired and our credit report. No word from NFCU on this situation. Pretty sure they didnt expire the day I called. Terrible customer service. There is no telling what else has expired. I talked to our loan officer and he couldnt answer why no one in his office hadnt called to let us know about the lapse of both items. I dont want other veterans to go through what I went through. NFCU is doing a disservice to veterans and should be exposed for this type of treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Cash Express, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I was attempting to get a payday advance and ut is showing i have 2 outstanding loans with cash express i called consumer financial database they said its my ssn but not my account I called cash express they said I don't owe them anything I need this corrected asap please so I can obtain a new loan

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America didn't allow my XXXX XXXX account access my banking/checking account information via " XXXX ''. This is illegal, even though XXXX is a third party.

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 2021-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX , XXXX has been harassing me despite having paid them off already. I set up a payment plan and settled. I completely paid them off inXX/XX/2021, last week, they send me a letter stating I now owe {$50.00}. I called them and they told me I don't have a balance. I informed them of the letter, they then stated oh I do have a balance then. I asked why when they just told me initially I am paid in full. They began to ask me questions on when did I pay it off. I informed him the dates should be right there in his system since he just told me I had no balance at the beginning of the call. I asked for a supervisor and the agent laughed and put me on hold for over 5 mins. I called back and the same thing happened, I was told I have no balance, informed of the letter and again, all of a sudden now I do have a balance. Then the agent began talking about a debit for Verizon, I have never had any service of any kind with Verizon. I could barely get a word in, the agents kept cutting me off, raised their voices over mine. All I wanted was for the to validate this new " debit '' I owe. But they couldn't seem to answer any of my questions, explain anything, and would refuse to let me speak to a supervisor. These people are scammers and need to be looked into.

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 2021-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On Tuesday, XX/XX/XXXX, my housemate sent me money using paypal. She has sent money to me using the same bank account and paypal account plenty of times in the past, and it has always transferred instantly - I was able to see the balance in my paypal account immediately. However, this time the transaction showed as pending instead. 

When Friday afternoon came and it was *still* " pending '', I called paypal. They told me this transfer was an " e-check '' which takes 3-4 days to complete, but they could not explain to me *why* this transfer was an e-check rather than the same instant transfer that all her past transfers to me have been. The could not explain what made this one different, they could not speed it up, they refused to acknowledge that they had done anything wrong, and told me that it would complete on Monday. 

It actually didn't complete on Monday, it completed on Tuesday. So for a full 7 day week, paypal was holding on to our money, money that she had intended to give me, but that neither of us had access to for a full week. 

Paypal claims that when she made the transfer it would have told her that it would be an e-check, but they couldn't say whether it would have given her any other options. I tried looking at the transfer interface and it looks like if it did tell her, it would have been in light gray fine print. Not having any reason to guess that this transfer would be handled any differently from past transfers, I don't see any reason why she would have noticed that very unclear disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax/XXXX, 15 USC 1681b Permissible purposes of report ... ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.. 

Please remove : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I contacted my mortgage lender XX/XX/21 requesting an updated payoff letter. Since then I have made over 20 calls and. Have yet to receive it. I have had to push my closing date back twice. I believe that the lender is intentionally withholding my payoff because I am refinancing and moving to another lender. This delay is costing me money as interest keeps accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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 have not lived in the XXXX area for over 3 years and the accounts on my fill are from 2020, XXXX. I am just now moving back to the XXXX OHIO area to my old address to discover I have been compromised. This is the second or third time I have filed a complaint as well a filling an FTC REPORT # XXXX and XXXX POLICE REPORT. I am a victim of fraud and account take over for several business and credit accounts! I found an address that is on my file the was also listed as being on the National FraudDatabase : XXXX XXXX XXXX XXXX OH XXXX. MY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX, XXXX, OH XXXX. MY FULL NAME IS XXXX XXXX XXXX. PLEASE DELETE/REMOVE THE FOLLOWING ACCOUNTS : : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, 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 XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX PLEASE DELETE THE FOLLOWING FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX PLEASE REMOVE DELETE THE FOLLOWING PHONE XXXX : XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) 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 2021-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. 

I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. 

I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. 

I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. 

I hope and point out the points that the FTC must evaluate in this situation. 


XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... 

XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. 
XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Based on the attached Police report regarding a person that used my identity I have been attempting to deal with American Express on this fraudulent account. I have requested removal of this account since 2016 and I continually get form letters and no resolution. Please help resolve this once and for all. This debt is causing my unexplainable financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09 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: CORELOGIC INC
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/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 2021-03-09 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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

WAYPOINT ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX  XXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/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