vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America has locked me out of my account after trying to deposit a {$1000.00} check from my uncle. The check was rejected by the bank in spite of the check being valid and the maker account being funded. The funds were then re-sent to me via XXXX for the same amount by my uncle. I was able to access a portion of the funds, but Bank of America locked my account later that day on XX/XX/XXXX. They locked me out entirely right before XXXX. I also receive XXXX XXXX into that account. The date they locked my account was already after the cutoff time to be able to switch the deposit to another account. I called Bank of America on XX/XX/XXXX they stated that due to the terms and conditions, they reserve the right to close my account for no reason and they have decided to do so for " business reasons. '' I spoke with two supervisors, and nobody could give an actual reason or explanation and refused to allow me to speak to anyone higher than the second-level supervisor. I spoke with them again on XX/XX/XXXX, and they stated that because the account is in the process of closing, I will have to wait until at least XX/XX/XXXX to have an official check issued to me as I am XXXX and currently live more than an hour away from the nearest branch. I am temporarily staying with my brother in XXXX Maine. They have yet to explain why they have terminated my account and I have been forced to go without access to my social security funds that were deposited into the account. I feel the bank has blatantly abused me as they know I have limited resources and that there will be little to no recourse for their actions.

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 monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In reviewing my report from Equifax, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Equifax automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
At one point in time my savings account had a healthy balance, when my checking account would go negative I've had as many as 21 days to cover the account balance, which I did. Recently when my savings account balance was low my checking account no longer had the grace period to replace those funds. I approached the chase banker, XXXX, XXXX, about it on multiple occasions, he denied me response until I quoted directly from US Legislation, then all of a sudden he was able to reply to me, he then tried to offer me a bogus, non-regulatory explanation which makes no sense against what actually took place with my accounts. I used emails to track the communication with XXXX XXXX of chase bank XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: WY

Complaint narrative:
Comenity bank. Company calls multiple times per day asking for payment, have recieved 20+ calls in the last five days, they also have started calling from " private number '' when I have stated to the company I currently do not have the means to pay said bill due to financial hardship. It is harrassment at this point. My payment due is only {$32.00}, so this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03 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: SC

Complaint narrative:
In reviewing my report from Transunion, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Transunion automated service, however, I had no success by phone. The following inquiries are unauthorized : 1 ) XXXX ; Inquiry date XX/XX/XXXX and 2 ) XXXX XXXX ; Inquiry date XX/XX/XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.

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 2023-01-03 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 — Overcharged for something you did purchase with the card
Company: Self Financial Inc.
State: CA

Complaint narrative:
TO : XXXXXXXX XXXX XXXX XXXXXXXX I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the XXXX XXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements, full accounting, on ledger off ledger showing that these payments were late. If proof can't be provided I demand these payments be updated on the time as they should be as I was NEVER Late. Thanks, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Discrimination because I am XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: NE

Complaint narrative:
Equifax will not delete a Medical Collection that has been paid to the Original Creditor XXXX XXXX XXXX XXXX XXXX, in which Equifax has been notified and the tradeline disputed numerous times, the Original Creditor has been notified, and the XXXX XXXX has been notified. This is in direct violation of HIPAA as the XXXX XXXX has no need for my information or to be reporting a Collection now that the XXXX XXXX was paid in full. This is now also in violation of the new rule that unpaid XXXX XXXX of less than {$500.00} will not be reported on Credit Reports starting XX/XX/2023. This needs to be deleted immediately and all parties fined and also they need to compensate me for all my time and effort in fighting this tradeline that should have been deleted months and months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited money to my new XXXX XXXX high yield savings account from another bank ( XXXX ) 3 weeks ago. My other XXXX account had been verified prior with confirming micro deposits. 
On XX/XX/22 I tried to log into my online XXXX XXXX  account. And it did not show any accounts open. I called XXXXXXXX XXXX. Turned out the account was under review. And it may take up to 90 days to resolve it. While the account is under review I don't have access to my online Banking and can not move funds. I can not close my account either. I need to transfer money back to my other checking account ASAP. I need to pay rent and other bills!! 
I called XXXX XXXXt many times and spoke to several supervisors, asked to close my account. I was told they could not do anything while my account was under review. 
I need to get an immediate access to my funds and close the account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am trying to use Care Credit at XXXX to purchase {$17.00} in cat litter and cat treats and according to the cashier it is trying to switch from credit to debit and it fails. It fails with a declined message saying it can't be ran as debit. I called Care Credit and they said they are investigating the problem and it's widespread. They told me to try to purchase at the XXXX pharmacy but, that also didn't work for me.

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 2023-01-03 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: IL

Complaint narrative:
I sent a certified letter to XXXX, XXXX, and Experian there are inaccuracies on my credit report from XXXXXXXX XXXX  and they took over 30 days to investigate which is a violation to my rights.

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 2023-01-03 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-03 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: TN

Complaint narrative:
I'm not sure what legal authority you have to disclose this. When I contacted the court, I was notified that they do not check, verify, furnish, allow or share any public information with you. The United States bankruptcy court clerk advised they do not report to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Ive called Experian in reference to a medial collection that is less than {$500.00} appearing on my credit report. I was told by an agent and a supervisor that the collection can not and wont be removed until XX/XX/2023. I was advised by XXXX XXXX XXXX vendors that all medical collections should be removed at the beginning of XX/XX/2023 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Dear Sir/Madam, I am XXXX XXXX XXXX XXXX I have been a bank of America customer since XX/XX/2014, and my account has been active throughout these periods. I was the preferred reward member. 
My account was closed without notice to put my house in order with my monthly bills and subscriptions linked to my account and debit card. 
Furthermore, I received my bank account transaction update mail today at XXXX XXXX. 

The XXXX told me at the Bank of America XXXX XXXX that there was nothing I could do about my account closure and that the bank has a right to close my account anytime without giving me any reason. 
The Bank 's action has affected my reputation and integrity. 


Regards 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 2023-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So I really don't remember the date 's that this all started but I am sure I can go to the bank and get the day and year that they started taking this amount out of my account, but some gentleman called me from place called XXXX and stated that he could help me lower my student loans. He could set something up to where if I could pay this XXXX every month straight out of my account, they would take this amount and put it right towards my student loans. So I was excited and I believed it. I thought that this was actually happening. I thought XXXX was taking care of everything for me. It sounded and looked real to me. All of these student loan places call me all of the time. I never know who to believe. But I actually believed him this day. But apparently I got scammed this time. So now I've been out XXXX XXXX XXXX I've been paying someone XXXX every month for at least probably 3 year. So close to XXXX that I could have either saved or actually put towards my student loans, or towards medical bills that I have from having XXXX. The now mental anguish these people have caused me the stress they have caused me, and the debt they have caused me. So now what do I do? Where do I go from here? 
Please tell me what to do.

Company response to consumer: Closed with explanation