vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Constant miscommunication is taking place. All of this information has been reported internally to Bank of America for investigating, as well as reports filed against XXXX XXXX XXXX to the XXXX Police Department, FBI, XXXX Police Department, XXXX XXXX XXXX , & XXXX XXXX. 

One notarized Hold Harmless Letter was sent to Bank of America on XXXX directly from a XXXX  Banker as requested by Bank of America for {$3400.00} USD. Still to-date, Bank of America is responding to me directly from their Secure Messaging, stating that a Higher Up or VP at XXXX needs to sign off on my HH Letter. XXXX has also told me over the phone that I would need to forward my Hold Harmless Letter to Bank of America a second time, in which I've done so to their HH Mitigation Team, yet Bank of America is telling me that it needs to come directly from XXXX & that I was misinformed by XXXX. 

What's the status - has Bank of America received my first HH letter sent directly from XXXX for processing? A second attempt Hold Harmless Letter was also sent to BOA via BOA Secure Messaging. 

Has my Hold Harmless Letter been received & accepted to process the Swift Wire Recall from XXXX from their scammer account holder, XXXX XXXX XXXX, an impersonator at XXXX XXXX, who has stolen my {$3400.00} in a fraudulent job scam?

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 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX sent me a credit card, which I never applied for, charging the XXXX 'XXXX  RENEWAL FEE, ( {$57.00} ), BANK INVOLVED XXXX-My XXXX XXXX XXXX Mastercard I made a telephone call to XXXX XXXX, I was told that this matter would be resolved in three business days, I was provided with a ticket number XXXX, my membership was not renewed, ID cancelled, I had a guagantee on 4 tires installed 10 months before one got damaged, and they refused service because I did not pay the renewal fee. On XXXX I tried to find out what was going on and they told me that no information was available because the account was closed and sold to MIDLAND CREDIT MANAGEMENT, latter I have received a letter from this company I contacted them on the phone and latter by mail, first call on XX/XX/XXXX, last mailing was recived by XXXX XXXX on XX/XX/XXXX, I spoke to XXXX XXXX to dispute this debt, I got a reply stating that they have reached the conclusion that their records were correct. I am a XXXX years old man this is given me emotional duress, this is a matter of principle, you must investigate XXXX 'XXXX practices to collect renewal fees, also the 2 banks involved : XXXX XXXX XXXX  and Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: FL

Complaint narrative:
I was a victim of identity theft. I sent a ftc report in to all the credit bureaus, per the fcra the have to block these items within 4 business days. the following Accounts XXXX XXXX at 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 non-monetary relief
Consumer complaint received 2021-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Consumer Solutions XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX Dear Sir or Maam, I am taking this time to write you about updating my personal information with your company. 

Please update my address in your records to the address listed below : XXXX XXXX XXXX XXXX XXXX, PA XXXX Please update to my full legal name : XXXX XXXX XXXX Please remove all phone numbers, emails, and addresses on my credit report. 

Please remove all the other addresses off my credit report as I am a Victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX ( Remove ) The post office will not be able to deliver to inaccurate addresses per Fair Credit Reporting Act since they are not accurate. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2021-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
I called FirstPoint Collection Resource spoke with Mrs. XXXX and paid the collection on XXXX for {$120.00}. She told me that this would be removed from my credit within 30-45 days. As of XXXX is has not been removed. I have spoke with her multiple times with the same response, that she has sent to supervisor for removal. I would like to request that they comply with the removal that I was told via a recorded line with a automated universal data form to XXXX  for paid for deletion immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am living in XXXX, TX XXXX. I didn't travel in XXXX, TX and didn't shop at XXXX store in XXXX. Someone used my HomeDepot Credit Card to purchase total {$4900.00} at HomeDepot XXXX, TX on XXXX. HomeDepot sent me a bill to pay that amount with a due date on XXXX. I haven't been using this HomeDepot Credit Card long time and the card is still with me in XXXX, TX and I wasn't at XXXX on that date. I reported and claimed for fraud investigation. After HomeDepot did the investigation, they still sent me the letter in XX/XX/XXXX and said " We've conducted our investigation using the information the you provided about this dispute. With the information we had, it wasn't enough to support your claim and resolve thi dispute in your favor. As a result, we have re-billed the desputed charges to your account and consider our investigation complete. '' HomeDepot still want me to responsible to pay the bill {$4900.00} purchased by someone in XXXX even though I live in XXXX, TX. HomeDepot didn't alert me that my credit card was used outside of my address that I applied on my card and with very large amount of money. I also filed the police report. Since it appeared the offense was outside of the jurisdiction of the XXXX Police Department and was forward to the XXXX, TX Police Department on XX/XX/2021 and sent me this site to contact to place a fraud alert and monitor my credit history.

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 2021-04-17 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 — Investigation took more than 30 days
Company: World Acceptance Corporation
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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: TX

Complaint narrative:
I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). Experian, XXXX, and XXXX  then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). Experian, XXXX, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

Experian, XXXX, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

Experian, XXXX, and XXXX  were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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

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 2021-04-17 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: DISCOVER BANK
State: NY

Complaint narrative:
To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX CARD in XX/XX/XXXX was fraud and XXXX  XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a discover XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and discover as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX but it is still showing on my XXXX  credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-17 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal closed my account for no reason. and will not help me with getting it resolved. Im not sure if this is some mistake as I assume it has to be. They have verified my identity and that my funds that were directly deposited were fine. I waited the 3weeks past their 180 lock out. Several phone calls were made and I was told that I would get an email to transfer my money would be sent in 72hours ... .got nothing I was informed to write to your company letting you know paypal is not doing their jobs professionally. 
my email address for paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please reference previous complaint # XXXX. Experian has tried stall tactics to not be in compliant with the FCRA section 602. They received a letter from XX/XX/XXXX. They claim they received XX/XX/XXXX, 20 days later than the dated letter. 
Referencing the # XXXX they claim now that they need permission to proceed with my complaint! Why? There is not a security freeze on my account and if so they placed this freeze without my consent or any action on my part. 
Please provide proof if that is the case. They will use this as in indication that they have move time to investigate thus extending the 30 days!!

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 2021-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello i am writing to you regarding a Wire Transfer that has not been resolve, i have been speaking to different bankers regarding the issue with not receive the money i sent. Either you fix the issue or someone will not have a job. Your CEO is the worst person who is XXXX and can not keep his finances straight. i sent a a Wire transfer and i want it fix by this weekend. excuse after excuse is what i get from your bankers online and on the phone and in person. 
i better get the money soon because i have already started my process with an Attorney. You had a Technology issue and you made me have to see an Attorney for your mistake, i better have the funds back in my account and stop asking XXXX. Also Wells Fargo had a issue with the computer system and never has been fixed that is money that was wire because of their Mistake then not fixing the issue fast enough.

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 2021-04-17 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To whom it may concern I am looking over my hard inquires with XXXX  and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX JPMCB CARD in XX/XX/XXXX was fraud and XXXX XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and XXXX  as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was JPMCB CARD XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX  but it is still showing on my XXXX  credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 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 Consumer USA Holdings Inc.
State: NY

Complaint narrative:
To whom it may concern I am looking over my hard inquires with XXXX  and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX XXXX in XX/XX/XXXX was fraud and Santander XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX  XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX  and XXXX  as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX XXXX XX/XX/XXXX. There customer service team was very helpful and removed from XXXX  and XXXX  but it is still showing on my XXXX  credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NH

Complaint narrative:
On XX/XX/XXXX I took out a car loan in the state of California. I bout a used XXXX XXXX XXXX with XXXX miles. I moved to California on my own and was struggling hard and needed a means of transportation. I was desperate and need a car quickly which I feel the dealership took advantage of and signed me up for a contract that was not explained to, theyb essentially told me to just sign. The amount financed was {$12000.00} with total payments being XXXX. My annual APR is 27.29 which is extremely high judging the fact of what I make per year. They are charging me nearly XXXX for a used vehicle that is not even worth this amount. I am trying to figure what I can due and if possible I can sue the lenders in regards to predatory lending.

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 2021-04-17 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: TX

Complaint narrative:
I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, Transunion, and XXXX then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, Transunion, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, Transunion, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, Transunion, and XXXX were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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

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 2021-04-17 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: TX

Complaint narrative:
I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, XXXX, and Equifax then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, XXXX, and Equifax all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, XXXX, and Equifax are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, XXXX, and Equifax were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in violation : 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

Company response to consumer: Closed with explanation