vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My bank account was hacked on an institutional level in XX/XX/XXXX. 

The banking institution One West Bank a subsidiary of CIT did not have proper firewall security to protect client accounts and personal data. Nor, did they have a department to clean up their negligence after the act. 

Since then, my financial life has been decimated, and CIT admits it was not my fault. 

To protect myself, I moved to another banking institution and paid off the line of credit I had with CIT. I have a letter from the VP of CIT verifying that the line of credit account now has a XXXX balance. 

Yet - somehow they repeatedly are reporting to the credit bureaus that I am late on owing them XXXX dollars . 

They have reported this " late '' account two months in a row causing my credit score to plummet from good to poor. These late marks are for XXXX and XX/XX/XXXX. 

I have made numerous calls over the past months to the supervisor XXXX, and I have emails they admit their error from CIT VP, XXXX XXXX ( emails dated XXXX and XX/XX/XXXX XXXX. 

Talking to XXXX this week - she says they can't even find on their books that I owe them {$2.00}!!! 

Therefore, this is false reporting about me, and I want to take action. I have contacted the FDIC regulated CIT. 

This is destroying my financial life as I was trying to get a loan to pay for my XXXX-year-old grandma 's medical care. 

Anyone reading this, do not entrust your finanacial life to One West Bank - or any CIT bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is not allowing EDD debit card recipients to request an emergency cash transfer while waiting for their EDD debit card to arrive.

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 2020-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I accidentally paid the wrong credit card in my Bank of America account. I have 3 cards, I paid {$8000.00} on XX/XX/XXXX a week later I called and asked them to transfer the payment to the other card. There has been a credit on this account for more than 6 weeks and a debt on the card I want it transferred to. I have called 5 times. I was told last week it would be handled by Friday. It wasnt! I called yesterday and they told me they would call me this am and tell me the status. The did NOT call. This is extremely excessive to transfer a credit balance from one card to another.

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 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank NA has arbitrarily disabled its interconnectivity to XXXX. I am unable to transact touchless/contact-less transactions to support an XXXX  XXXX XXXX. There was no notice or warning provided to bank customers of this development and no consideration of the monetary impact this would have on thousands of PNC customers who use XXXX to reduce their transaction costs in personal and business banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed she put us on hold to check the account. When she came back on the phone she stated that she was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I recently had a debit card account with bluebird American Express there was a {$630.00} charge to XXXX XXXX in Minnesota I live in XXXX Texas I was told that the refund should be back on my card because they can see that I am not in Minnesota I have filed a dispute three times and got the same answer and was not able to speak with anyone about my refund this was two months ago and I still have not heard from anyone apparently there is no one To talk to directly I sent emails and letters with no response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I have sent a money transfer through MoneyGram on XXXX XX/XX/2020 at XXXX using their app and with my cell phone. The amount sent is {$350.00} ( fee included ). The transfer was a deposit to a bank account. The receipt of the company shows the money is still " in transit '' but hasn't been accredited to the bank account. I paid with a debit card. My money has been taken from my bank account linked to the debit card used. 

The money is still in transit to the bank account in XXXX XXXX where the money is supposed to be claimed by my family member. 
I have contacted MoneyGram several times about this issue and until now all they say they are investigating. 

I want my money to be delivered as expected and deposited to the bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I opened a checking account with XXXX XXXX  in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

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 2020-07-03 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: CO

Complaint narrative:
I opened a checking account with XXXX XXXX  in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I opened a checking account with XXXX XXXX in XXXX. In XXXX I made a transaction that XXXX XXXX  paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. XXXX XXXX  decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from XXXX XXXX  from XXXX. I have shredded all paperwork associated with XXXX XXXX  since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to XXXX XXXX   several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since XXXX XXXX  opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt XXXX XXXX  does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).

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 2020-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Funding is a debt collector who claimed that I owed {$2300.00} from XXXX XXXX. This debt is still listed as a collection after they stopped hitting my credit after I disputed it in XXXX of 2019. I need documentation of this debt from the original creditor which I haven't received. Also, they are a debt collector based out of Michigan which has not obtained a surety bond in the state of Texas. Therefore, they can not attempt to collect a debt within Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: Service Finance Holdings, LLC
State: FL

Complaint narrative:
To whom it may concern : Over the last month or so I have been repairing my credit in order to buy a house next year. Before I started my credit score was in the 500 's. After paying off debt my credit score rose to nearly 700. Almost within days of that happening there were two inquires made two days apart from the same person. The first credit check came from a company named Service Finance Co. LLC. I received the alert from my app XXXX XXXX so I immediately followed up with the company. After speaking with a rep we both came to the conclusion that this person and I had the same first, middle and last names and the first 5 numbers of our social security numbers. The rep advised me to reach out to XXXX  who then advised me to reach back out to the company that ran the credit check. After speaking to a supervisor at Service Finance Co. LLC and after that supervisor spoke with his superiors, they informed me there was nothing they can do sense all information was correct except for the address of the person needing the loan and the last four of the social. Another company named XXXX XXXX also made an inquiry for the same person the next day with all of the same information used before. After talking with this rep she informed that they have no locations in the state I live in. However the first company I mentioned has its office in the state I live in, in fact they are only a few hours away. XXXX XXXX said they would get back to me and never did. Both of the companies I am speaking of provide services for home improvements but I do not own a home and never have, I live in an apartment. Both of these companies have left me in the dark about these credit checks and are not being helpful at all and are telling me to talk to XXXX. XXXX  can not assist until these companies write a letter to XXXX  with my information stating there has been either an error ofrfraud. I would appreciate all the help I can get to have these two items removed from my report. I have taken further action and locked all 3 credit bureaus from providing credit checks until I remove them. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed, she put us on hold to check the account. When she came back on the phone she stated that I was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: LA

Complaint narrative:
I am disputing the debt as reported by ENHANCED RECOVERY CO L for {$76.00} from XXXX XXXX. I do not have any responsibility for the debt theyre trying to collect because this was closed and the amount charged-off three years ago. I have disputed this debt before. This continues to affect my credit score which falls under unfair practices. 

Documents verifying this debt have never been provided to me and the main reason for that is, they do not exist, but if they do, as you should know, you have 5 days to provide them to me In addition, please provide details about your authority to collect this debt : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, please explain why not. If your company does hold a license in my state, please provide the date of issuance of your license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the licensure, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03 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: NY

Complaint narrative:
There is an alleged charge off account showing on my report to which I do not recognize. Persuant to FCRA 623 I'm demanding the removal of it.

Company response to consumer: Closed with explanation