vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-05 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I was flying to XXXX to arrange my mother funeral. And when I got to XXXX I was told that my luggage was miss placed at the reno airport. After waiting for a few days, I went down to the airport to get a update on my luggage because I had my phone, driver license, passport, wallet etc in my luggage and I needed to pay for the funeral but the airport told me that someone had stolen my luggage and a few other people luggage from the XXXX airport. I try to call the bank to report my card stolen but they couldnt help me because they couldnt verify me because I was calling from a different number from XXXX. And i couldnt go into the bank because there wasnt any Bank of America in the town I was located at. I was stuck in XXXX without being able to get back to the USA because I didnt have any proof of verification that I was XXXX XXXX. I had to wait until the USA border verify that it was really me. When I finally got back to XXXX in XX/XX/XXXX. I immediately try going into a Bank of America to get help with my account but they refused to help me because I didnt have my drivers license. So I went to the dmv the next morning and apply for a replacement and I was given a document showing it was actually me and i went into XXXX to order a new phone because they had stolen my phone. After receiving my phone I immediately called the bank and had them cancel the card. And filed a fraud claim with them but they denied my claim. And accused me of making the charges after I had submitted the proof of the police report and dmv document and the flight ticket and proof of the new phone. And I recall them and had them resubmit the fraud claim but they denied it again and I asked them why they were denying the claim and they said I was the one making the purchase but I told them I was in XXXX and I had a update from the police officer that they arrested the person that had stolen the luggage from the airport and I still havent received my money back from all the fraud transactions that person had done. After submitting the new update from the officer. Its been over 2 months since i filed the claim and I still havent received the money that was stolen from my account. Or a update from the bank.

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 2021-03-05 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: MO

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM is claiming that I owe them {$420.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

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 2021-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
I just purchased my first home using a VA loan. The appraiser assigned to me used the lot square footage listed on MLS. The problem is the calculation is incorrect and the lot is actually 2,000 sq feet less. I became aware of the missing square footage after I moved in. When I told my lender about refinancing the loan for the actual value of the home, they declined to assist me any further, stating I would need the seller to agree to a new purchase price or contact a lawyer.

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 2021-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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

Complaint narrative:
XXXX We received email from PayPal that our account is closed for no reason, Currently on the account is XXXX EUR amount ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) EUR. The costumer support is not responding to my emails, we've been writing messages in PayPal message center and they not help us, we've been trying to call support center after they check account status they just hang up the phone and automated message tells that they can't help us throw the phone with our problem and that we need to send message throw resolution center. 
Our PayPal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. I am requesting a Removal of all incorrect or outdated personal information being reported on credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NJ

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, Equifax, 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. 
( List down each account- Account name-Account number-balance ) XXXX XXXX ( Original Creditor : XXXX NXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX****Date Opened:XX/XX/XXXXBalance : {$1700.00} XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$110.00} XXXX XXXX  XXXX Date Opened:XXXX Balance : {$820.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: NY

Complaint narrative:
This CFPB complaint that I am filling is in response to my multiple attempts with XXXX XXXX and TransUnion to resolve my concern. XXXX  XXXX XXXX is reporting as Authorized User in my credit report. XXXX I request to be removed from this account explaining that I never wanted to part of this account but my Aunt added me thinking that she can help me build credit. But I never wanted it and now that she went through hard times this account is now reporting late payments and negatively affecting my credit score. Even I have been removed Bureau Code : Terminated from the account this account continues to report in Transunion and still affecting my credit score. I need Transunion to delete this from my credit report. I don't want this account affect my credit score that I am now trying to build.

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 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-03-05 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: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On the XXXX of XXXX, I received a direct deposit of {$13000.00} from the Department of Unemployment Assistance ( DUA ) Massachusetts for a Pandemic unemployment claim to my Bank of America account and the account was frozen and my CHECKING and SAVINGS account was closed shortly afterwards I have tried calling the bank countless number of times and visited the bank to ask them to return the money back to the Massachusetts DUA so it can be reissued to another bank but they refused. Its been almost 2 months now and the bank is ILLEGALLY holding the money and has refused to return the money back to its source. They closed my bank account and told me my contract is terminated and I do not have a say on what they do. They have been holding the money for over 7 weeks and have refused to return it back. I have spoken to the fraud department, the bank supervisors and even my branch manager and all efforts hit a brick wall. Please I need them to send the money back to the Massachusetts XXXX to be able to reissue it to my a new bank.

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 2021-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the XXXX data breach. and may have gotten in the hands of the wrong person.

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 2021-03-05 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This date is over 90 days I have not received a response yet. I feel like I'm being taken advantage of and my dispute has fallen on deaf ears. Section 611 ( a ), it plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report it has been over 90 days so they should be deleted immediately be deleted I am demanding that these accounts deleted at once or I will file for litigations due to the stress you caused me. My information was also impacted by the equifax data breach. and may have gotten in the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Burr & Reid, LLP
State: NY

Complaint narrative:
I contacted Burr and Reid on multiple occasions. I then had my insurance call Burr and Reid and they explained how I was covered the entire time and it is illegal to not only bill XXXX recipients but also illegal to put XXXX recipients into collections. They told my insurance company and myself they needed such proof to show I was covered. My insurance provided every document they asked for. I hand delivered all the documents they asked for in mid XXXX. They said that as soon as they received those documents that I would be taken out of collections and it would be taken off of my credit report. I have not heard from Burr and Reid since that day, and they have not taken me out of collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am banking with Capital one bank for about 5 years. I have checking as well as savings account with them. On XXXX XXXX a person to person money transfer was made from my account of {$600.00} to a person named XXXX XXXX by XXXX money transfer company. This transaction was not intiated or authorized by me.I called the Bank 's fraud hotline and made a complaint about it. They blocked my account for all transactions until they investigated about the problem Theyclaim that this transaction was authorized from my mobile phone and my password was used. I told them that my password is secured and my phone has been in my possession all the time during this period and I have a password on my phone also so no body else can open my phone. 
The bank is holding {$600.00} from my account and not crediting this money to me. It is bank 's responsibility to keep my account secure so they are liable for this money. I do not know the person to whom the money was transferred and I have never used XXXX company for money transfer in my life.Please help me solve this problem as soon as possible. My checking account no is XXXX from which the money was transferred by fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
XXXX of XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX On XX/XX/2021, I agreed to purchase a car at a price of {$63000.00} at a 5.88 % interest rate. During the signing of the contract in the finance office, the finance officer offered me a lower interest rate if I would purchase a package ( key replacement, gap insurance and Eckbond - all totaling about {$3600.00} ). Thus the payment would be lower since he said he would change the interest to 2.99 % and the payment would be same or lower. 

However, once I went home, one fact that bother me was the fact that the interest rate of 2.99 % was arbitrarily decided by the finance manger at the signing of the contract. This did not seem right. I felt that I qualified for the lower interest rate all along but this was intentionally kept from me during the negotiations, all for the purpose of selling additional package. 

Subsequent communications ( phone and email ) after I discovered that this practice of offering lower interest to sell a " package '' was illegal, the finance manager assured me that he would cancel the " package '' and that I would still receive a interest rate of 2.99 %. However, the price of the car remained the same, with the package still added. The the price of the package ( about {$3600.00} ) was not deducted when I received the first payment invoice. I have email correspondence with the finance manager that states the packages will be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05 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: VA

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, Equifax, 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 XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Medical XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Medical XXXX Date XXXX Balance : {$200.00} - XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXXBalance : {$0.00} ISPC XXXX Date Opened : XX/XX/XXXX Balance $ XXXX

Company response to consumer: Closed with explanation