vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXX I logged onto my bank of America app and saw that a large sum of money was gradually taken out of my checking account. 
The transactions said cash app. I have been locked out of my cash app account since XX/XX/XXXX. I then called Bank of America to file a fraud claim on XX/XX/XXXX at XXXX. On XX/XX/XXXX I received a message in my Bank of America app that my claim has been resolved, denied and closed. This is unfair and they wont give me any of my money back. I called the fraud department back today and they reopened my claim but they said they have 90 days to resolve my claim and I wont be given any provisional credit. That is ridiculous I shouldve already been given a provisional credit but now I have to wait 90 days for this issue to be resolved. I have included all the cash app transactions with dates that I did not make below XX/XX/XXXX {$62.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$95.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$38.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$60.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$72.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$70.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$160.00} XX/XX/XXXX {$80.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$98.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$120.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$180.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$66.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$60.00}

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 2021-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P.
State: FL

Complaint narrative:
Im in the process of trying to get a house and was trying to pay off my debt and have it removed from my credit so when I reached out to paramount to do that I did a settlement and afterwards they informed me that its to late to have it removed if I didn't pay it in full at the time being which should have been disclosed to me before I did the settlement and closed the account now after reaching out about it, the representatives say their is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All 3 credit bureau 's are reporting 2 DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning ( XX/XX/2021 ) to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these 2 DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX  XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted several disputes to TransUnion with proofs and letters from companies that agreed to remove hard inquiries ... also 3 copies of my identity to get inquiries removed that is not authorized on my credit report ... they did not remove the inquires also they did not respond to my letters ... they are violating The federal Fair Credit Reporting Act by not investigating or removing unauthorized hard inquires on my credit report I have a copy proofs if need also the mail was sent to TransUnion was certified I know they received my dispute letters ... It is not fair for me as a consumer ... also sent same dispute to XXXX  and XXXX they respond also they removed the hard inquiries ... TransUnion is frauding my credit report by not removing false inaccurate information on my credit 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 2021-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Quality Asset Recovery LLC
State: TX

Complaint narrative:
Debt Collection account was opened XX/XX/2021. I have not been notified of this debt by Quality Asset Recovery LLC. I sent a letter to verify and validate this debt XX/XX/2021. It was received XX/XX/2021. There was no response. I then sent a follow up letter informing them that they have failed to validate this debt with me or notify me of this debt in writing of any sort within the allotted 30 days, sent XX/XX/XXXX and was received XX/XX/XXXX. ( ALL Mail Sent by me via Certified Mail ) ( No mail or letter sent from Quality Asset Recovery to me ) Quality Asset Recovery has not notified me once or contacted me once in regards to this debt, opened now 3 months ago, which is a violation of the Fair Debt Collection Practices Act. They also failed to validate this debt when prompted within the allotted 30 days, which is also a violation of the FDCPA.

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 2021-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies.I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am requesting that you delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check 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 2021-04-19 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: DC

Complaint narrative:
I am requesting that you delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All 3 credit bureau 's are reporting XX/XX/XXXX  DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted XXXX, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached ) I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, TransUnion can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if theseXX/XX/XXXX DISMISSED BK filings will be removed along with 2 incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
All 3 credit bureau 's are reporting XXXX DISMISSED bankruptcy 's on my public records which is hindering my good credit and score. I have contacted Equifax, to which they are clueless on how to remove, to which I've contacted XXXX XXXX who preformed a thorough investigation acknowledging both dismissed should be removed as theyare not derogatory records that belongs on my credit report. XXXX XXXX reached out to all 3 credit bureau 's to no avail of correspondence or a resolution. ( file attached XXXX I contacted the BK courts this morning XXXX XX/XX/2021 XXXX to which they advised, they do not report to the credit bureau, nor can they have anything removed. With the suggestion of " XXXX '' at FTC I was instructed to pull my credit and attach to this complaint. For some reason, XXXX can located my name, address, social and send a text code verification, they are having technical difficulties verifying my account therefore they will mail my report within the next 15 days. I would appreciate it greatly if these XXXX DISMISSED XXXX filings will be removed along with XXXX incorrect address 's stated below. I have NEVER lived at either address as 1 is an Attorney 's home address and the 2nd is a mailing center which the attorney uses for mail. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-04-19 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: KS

Complaint narrative:
I reached on the XX/XX/XXXX and XXXX disputing some inaccurate information my credit report I wanted deleted. Transunion has failed to provide me proof this information is accurate and refuse to verify. I have called to erase addresses and phone numbers and somehow an phone which is not mines keeps getting on my report. Which keeps proving that Transunion is reporting inaccurate info.

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 2021-04-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have never had an account with Suntrust bank in XXXX, Tn. For some reason they opened an account then closed it, both with out my permission.

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 2021-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
In XXXX of XXXX I had been contacted by Rent Recovery Solutions in attempt to collect a debt of {$930.00}. To my surprise this debt had been from a rental company that I had moved out of in XXXX of XXXX. I never received any proof in writing. I verbally contested the validity of the amount. I also sent a validation request to the collection agency on XX/XX/XXXX certified mail. I have the receipt. I received no response. Recently I got ahold of the original creditor who admitted they had made a mistake in how they reported the debt. They have sent documents to prove my case in this matter. This collection has been showing incorrect on my report for a year now. The collection company along with the original creditor, and the bureaus have all shown negligence in this matter. Neither of the 3 will acknowledge they have broken laws of the FCRA. Rent Recovery Solutions along with all other three parties have shown predatory practices in my particular case and I've noticed many others. 
This is defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
i applied through XXXX XXXX XXXX for a loan through ally they denied me bc they told the dealer im on there fraud list and blacklist and they cant approve any loans, that officialy there denying me for another reason, but that im on a black list and and fraud list i called them and cant get any anwnsers

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 2021-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. 

2 ) SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

3 ) SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

4 ) Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our application for offer to purchase. 

5 ) The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said XXXX application. 

6 ) SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

7 ) SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was offered an upgrade promotion of XXXX membership rewards points for upgrading my American Express Everyday card to the American Express Everyday Preferred. The terms were XXXX points once I hit a spend of {$2000.00}. I agreed to this offer in XX/XX/XXXX and completed the {$2000.00} spend requirement on XX/XX/XXXX. I paid the agreed upon prorated annual fee of {$60.00} on XX/XX/XXXX. Today is XX/XX/XXXX and I still have not received the promotional XXXX points as promised. I have tried to contact the bank many times and they just give me the run around saying the points will show up next month every time I call.

Company response to consumer: Closed with explanation