vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX, XXXX, and Equifax, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: FL

Complaint narrative:
On XX/XX/XXXX, I sent a letter to XXXX, Experian, and XXXX, advising that I had sent letters to all of the collections creditors who are listed on my credit report, asking for full validation of the account they are collecting from me and reporting against me. The letter that was sent to the collections creditors was sent on XX/XX/XXXX and XX/XX/XXXX. I advised the bureaus that these collections creditors had no answered my validation request in terms of the law. I requested for all of these accounts to be deleted from my credit reports. Today is XX/XX/XXXX, I have received no response from any of the 3 bureaus. I realize many states and businesses were affected by the corona virus, but that is not my problem. The laws are very specific on my rights to ask for an account to be validated and that the bureaus would get back to me about my dispute within 30 days from the date they received it.

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am disputing the following account : Moneylion Inc. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with Moneylion. They havent moved a finger. Not even to investigate the account or marke it as disputed.This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to Moneylion the attached documents. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
On XX/XX/2020 I reached out to Enhanced Recovery Company through mailing them a letter about an erroneous debt on my credit report. I simply asked the company for the original instrument of indebtedness and they have not replied. on XX/XX/2020 I tried to reach out again via certified mail to request the same thing and I was not contacted in return. On XX/XX/2020 I notified them that it has been 30 days since I reached out and according to FTC federal law, if a company doesn't try to contact or workout their claim within the 30 day period they must remove it from the consumer 's credit report. I notified them that it has been more than 30 days since I reached out, but there still was no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I opened an account at Merrill XXXX which is a branch of Bank of America around XX/XX/2020. The account came with checks and debit cards but it is a brokerage account which I can trade and invest with. I have other active brokers, all which have an 5 business day hold on checks as standard. 

On XX/XX/2020 I ACH transfered {$100.00} from my local XXXX checking account. 
On XX/XX/2020 I deposited a check for the amount of {$2100.00} drafted on a Bank of America business account, made payable to my name. 

After XX/XX/XXXX, I tended to log on each day to check out the interface and features of the Merrill website. My {$100.00} transfer was available to tradewithdrawal immediately. The check sat on an standard deposit hold. 

On XX/XX/2020 the day the check should have cleared, I was unable to log in website. I was unable to see my balance, access my cleared ACH deposit, or the check in question. When speaking with the customer service rep. He stated that my account was currently under review. When I ask how long it would take, he could not give me a finite date. He offered me the option to place a trade, at which I thought, I do not not want to pay a {$29.00} broker fee to place an over the phone trade. I just want access to my money. In lieu of the review I requested that the account just be closed. At this point I am frustrated and just want my money as soon as possible. 

There is no reason I should not access to money which cleared ACH two weeks prior and check drafted against the same bank which is not on hold. 

I don't think it is fair that they can cut off your online access to your account, in addition to hold money because they feel the need to review the account. I need my money now, and I don't want this process to drag out 90 days before they realize their mistake. If the want to put a hold on check, they should tell me that but still give me access to the rest of the money in my account.

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 2020-06-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent TransUnion proof that these accounts do not belong to me. After I have sent everything that they requested and I have proved that this account is not mine, they continue to report this information. The first response was some computer generated response as if they did not read what I was sending or looked at the information. TransUnion these accounts are NOT MINE.

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 2020-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
SEQUIUM ASSET SOLUTIONS Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1600.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$2000.00} Balance Updated XX/XX/XXXX The information above is another debt collector, possibly the 3rd I am not sure. I disputed this debt which was through XXXX XXXX last year. XXXX sent me an update in XXXX XXXX stating that it was removed from my credit. It was sold off to this new debt collector SEQUIUM ASSET SOLUTIONS which the only phone number online to call them is an 800 number and it only allows you to punch in an account number and pay a debt. I disputed this AGAIN with XXXX, the results came back as the debt is " accurate '' This is a debt that originated in XX/XX/XXXX somewhere in the south XXXX XXXX area. I have never lived down there, I never had accounts with XXXX XXXX, I called XXXX XXXX last year, they sent me paperwork to dispute it. I thought it was done, but it's back again and It has taken up so much of my time, destroyed my credit which I try to maintain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am disputing the following account : National Credit Adjusters. Account # XXXX. Opened date XX/XX/2019. Original balance {$500.00}. Balance {$0.00}. Closed. 

I already tried to fox this issue with National Credit Adjusters back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. This account is related to fraud, and they keep on reporting it. 

I am demanding XXXX a deletion letter, and this item to be removed from my report. 

Please send to National Credit Adjusters the attached documents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I've been a TD customer for 14 years in XXXX and about 10 years in the XXXX. On XX/XX/XXXX I asked TD Bank to close both of my accounts and move all my XXXX money to my XXXX accounts. They said that for some reason they were unable to do this in one phone call, did a wire with one account ( I don't have the confirmation number ), and had some issues and charged me a number of fees unfairly ( details in previous CFPB complaint ). After a CFPB compliant on XX/XX/XXXX, they immediately phoned me, refunded the fees, said that they would close the accounts, and I thought that my accounts were closed and that the money had been sent to XXXX. I was given the wire confirmation number XXXX during a phone call with XXXX from their customer service team on XX/XX/XXXX. I thought we were now in the clear. 

However, in XXXX I got a notification from my XXXX account that I'd been charged a {$24.00} fee. It turned out that despite the wire confirmation from XX/XX/XXXX, my money had not actually been sent to my XXXX account and the account had not been closed. I contacted XXXX XXXX on TD 's customer service team on XX/XX/XXXX to inform him that I called the TD hotline and they said wait times were in excess of 20 minutes, and when I call the TD Cross-Border line and press 1 for english and then 3, it just rings a bunch of times and hangs up. 

I didn't get a further response, and again contacted TD in XXXX when I got yet another {$24.00} fee for low account balance. I finally took the 30 minutes needed to wait on hold for their customer service team, only to be informed that I could be refunded neither of the fees I'd been incorrectly charged since XX/XX/XXXX when I'd been told all my money had been given back to me. I decided to at least get my money out of there, so wired it to XXXX and asked them to close the account. Wire confirmation XXXX. 

After this call I emailed XXXX again ( I feel sorry for the guy but he's the only contact I have within TD, otherwise I have to wait for 30 minutes to even talk to someone ), and someone called me to tell me that I " could get one of the {$24.00} fees refunded, but to do that they'd have to refund me then I'd have to call back in, wait 30 minutes, and then have them wire the {$24.00} and close the account ''. I declined because I don't have 30 minutes to wait on the phone, to get half of the money that was taken from me, when I told them months ago to close my accounts and move my money out. 

This is absolutely crazy. I should just be able to phone TD, tell them I want to close an account, and have them do it immediately with no fees charged and without wasting hours of my time on this. The fact that they're doing this in the middle of an economic crisis and pandemic is even crazier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America had been charging my saving accounts for maintenance fee ( {$33.00} per month ) since last XX/XX/XXXX without my knowledge. They did not send me any electronic notification or statement in mail until today XX/XX/XXXX. I called them up asking why did this they could not explain why. I opened up the account in XX/XX/XXXX. They also charged my Visa card for interest for a cash advance check I used that had % 0 interest rate until XX/XX/XXXX. I want you to investigate and penalize them for cheating customers. I want refund for illegal charges that include maintenance fees, ( {$300.00} ) late fees ( no notification for payment deadlines ) and interests ( {$110.00} ).

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 2020-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am disputing the following account : Net Credit. Account # XXXX. Opened date XX/XX/2018. Original balance {$3700.00}. Balance XXXX Closed. I already tried to fix this issue with Net Credit back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. 

This account is related to fraud, and they keep on reporting it. I am demanding Net Credit a deletion letter, and this item to be removed from my report. 

Please send to Net Credit the attached documents. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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: CITIBANK, N.A.
State: IN

Complaint narrative:
{$3400.00} charged to my XXXX XXXX Citibank card by XXXX who then suddenly closed business and absconded with everyone 's money starting around XX/XX/XXXX with a notice on the website that no refunds would be given and this was for a trip we were scheduled to take on XX/XX/XXXX. I opened a dispute with Citibank for this and was initially denied based on XXXX saying they provided a refund although this was clearly not true as they were able to access my account showing no refund. I then filed additional claim which they re-opened and I was told it would be resolved by XX/XX/XXXX, it has still not been resolved and now says it is pending again until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Re : Complaint of Experians negligence and misconduct on the credit report of my XXXX XXXX XXXX  account open status Todays date : XX/XX/2020 There has been a huge repetitive error on my credit report and it needs to be correct immediately. 

Attached please see XXXX XXXX XXXX statement on my account status as open. 
This account has been opened for years and has never been closed. According to my conversation with XXXX XXXX today, they sent to Experian monthly update on XXXX of each month and reported my account status either as open or closed, account balance and such. 

According to Experian report on my credit, this account was closed in XX/XX/2020. 

Apparently, there was a mistake and miscommunication occurred in the process. And it occurred over and over each month. Even though I filed dispute with Experian on XX/XX/2020. The results came back on XX/XX/XXXX still keeps the same mistake and inaccuracy. 

The inaccuracy has negatively impacted on my credit score significantly, including the credit limits, debt and utilization. The misconduct of Experian has been doing an extremely huge harm and jeopardizing my credibility. I am losing my new job offer because the inaccuracy of data and negligence from Experian. It is posting a big threat to my career and I simply can not afford that happen any longer. 

To protect my right, I am reporting this incidence to Consumer Financial Protection Bureau ( CFPB ) today, XX/XX/2020, to request for immediate investigation. 

I sincerely request Experian to correct the error and update my account status as open immediately. And also correct the error that account closed in XXXX. If the account is not updated in 24 hours, I will seek further legal action. 

Your attention to the matter is greatly appreciated. Thank you. 
Sincerely, 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 2020-06-17 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2020 I sent out a personal information dispute letter to Experian. They have information that isn't accurate and I sent a certified letter to Experian detailing this information. They received my documents on XX/XX/2020. They haven't removed the addresses stated in the paperwork. The haven't removed the names stated in the paperwork either. I was hoping they could resolve the issue but it wasn't resolved.

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 2020-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, brought a large item for {$400.00} on XXXX and paid for it through PayPal from a new Seller that goes by the name XXXX. 

Since it was an expensive item, did watch it very closely. By doing so, the first 10 days, there were no activity on the tracking number provided so I email the Seller via XXXX to let them know as they did not know about it nor did they not keep track of the item themselves. They just so called shipped the item and did not track it at all like I did so they were surprise that there was no activity for the first 10 days. 

They did respond back to me and stated that they will look into it. When they did, all of a sudden, the tracking information on the item stated it was delivered when it was not not to me anyway, do not know where it went nor do not know where it was delivered to because it did not come to me. I said to myself, oh - I was swindle - scam. 

So I filed a complaint with both XXXX and PayPal ; whom I pay for the item with, that I never received the item but they went by the final tracking information stating it was deliver to my residence. I approached the carrier about this and they told me that they have not delivered anything huge to me since residing at my address of residence. 

So XXXX and PayPal decided in favor of this new Seller without any investigation and they stated since it said it was delivered, they denied my appeal. XXXX did recommend that I contact my credit card company and/or financial institution and file a dispute in which I did. 

Luckily, did receive a full refund from my Financial Institution as they grab the money back from PayPal. Now PayPal is harassing me for the {$400.00} now to pay it back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I wrote a letter to Experian asking them to verify inaccurate information on my credit report from two accounts, XXXX XXXX and XXXX XXXX. They have failed to verify the inaccurate information and remove them from my credit report. They have failed to comply within the 45 days allotted to investigate. I have wrote to them on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX and have yet to receive a response. I am asking to file a formal complaint against Experian for complete disregard to FCRA regulations.

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 2020-06-17 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: CITIBANK, N.A.
State: FL

Complaint narrative:
THE PRODUCT PURCHASED WAS DAMAGED AND RETURNED TO MERCHANT. MERCHANT WAS UNABLE TO PROVIDE GOODS OR SERVICE PURCHASED. AFTER SEVERAL ATTEMPTS TO DISPUTE THE CHARGE THE CREDIT CARD COMPANY ( BEST BUY CREDIT " CITI BANK '' ) REFUSES TO REMOVE THE CHARGE FROM MY STATEMENT. PLEASE READ FTC REPORT NUMBER XXXX FILED FOR THE MERCHANT.

Company response to consumer: Closed with explanation