vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
There are dept collection letters and bills sent to an address that is not mine. I know the person that the letters were sent to but don't know anything about these accounts. She would like to stop receiving these statements/bills/collection letters sent to her address. 

Thank you, 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 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
This company sends multiple texts each and every day for a debt never owed. I live alone. I am a XXXX senior who has never ever had cable or internet service at home save for my mobile phone. These folks refuse to provide any proof debt is owed. ( It's not ) They refuse to stop harassing with multiple texts/calls per day. They have been sued multiple times but apparently that has no effect on them continuing to try to collect a bogus debt. 

Name : MRS ASSOCIATES Organization : MRS ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kitch Acceptance Corp.
State: IN

Complaint narrative:
I bought a vehicle in 2021. I put just over 5000 miles on it and the transmission went out. I let the bank have the car back willingly due to this. They took me to court however committed perjury when they filed. They never sent me anything in the mail like they claimed. The only notice of court I got was a paper found in my driveway like they just threw it XXXX the ground like they were hoping I wouldn't notice it. I did inform the court of this and was told that no actions were being taken against them for the perjury or negligence. They were ordered garnishment and the only funds I have in my bank are from my XXXX on a hardship withdraw because we were trying to buy a house and that fell threw now I'm trying to come up with the rest of the funds to get a different place. The attorney they hired actually has his own office in the bank. XXXX reviews will also show several people who have dealt with fraudulent activity from this place.

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 2023-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I am opening a new case and attaching the data. I have already shared the password with Bank of America. 

When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. 

On Tuesday, XX/XX/2023, XXXXXXXX XXXX PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX XXXX deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. 

If there is market manipulation in XXXX or XXXX or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. 

If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds.

If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that.

To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case.

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 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 I walked in to the Bank of America located at XXXX XXXX XXXX. XXXX XXXX, CA with all the correct credentials and opened a student checking account with my student refund check received from XXXX XXXX XXXX XXXX XXXX. The check was held for 24 hours, clearing the next business day. for two weeks after I used my account without any issue. On or about XX/XX/2023 I started having problems of not being able to access my account online, use my debit card, or access the app. 

On XX/XX/2023 I called the customer service department of Bank of America and was told that my account was being closed. I was giving no reason why. After speaking with several representatives I was finally transferred to a " manager '' who stated that my account was in good standing and I should be able to go into a branch and access my funds. 

I in fact was not able to access my funds and was told there was a " verification issue '' with my account opening and it was being closed. I was further told I could not access MY funds in the account and that the bank would send a check by XX/XX/2023. 

This is totally unacceptable! Bank of America is holding my money XXXX. I am a XXXXyear old student living in XXXX California alone with no family. I now have no way to pay my bills or rent, or buy food because Bank of America is holding my money and telling me there is nothing they can do. I have no explanation of why the account is closed but most important and the only thing I care about is that Bank of America will not let me access my own money.

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 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
I took out a {$700.00} loan from Big Pictures Loans on XX/XX/2022. I have paid a total amount of {$740.00} towards my loan. I am currently unemployed and requested that I make a final payment of {$100.00} and close my account. They have refused to work with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
The company called me repeatedly from sun up to sun down non stop My current husband who is not responsible for my debt was contacted on his company cell phone, the representative told him that I owed them an obscene amount of money which was before our marriage and tried to get him to pay on that debt. This was done on XXXX XX/XX/2023 at XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX, XXXX  I receive a notification of a low balance in my checking and saving accounts. I checked out accounts via the app and notice my balance was XXXX  and the money in the accounts was placed on a hold. I called Bank of America consumer service number, the representative stated my account is flagged as deceased. I needed to bring in 2 forms of ID and letter from SSA. I brought in everything they required and they haven't rectify the issue of reinstating my accounts and debit card. I unable to receive my paychecks for work, pay my bills or buy my 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 2023-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
This company is reporting inaccurate information on my consumer report. This is the second attempt for this company to validate, verify this debt. Capital One has never validated this debt. Capital has not presented any documentation of a contract bearing my signature. Please Delete this unverified account on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ZenResolve, LLC
State: NE

Complaint narrative:
I am getting regular email from Zen Resolve LLC, which does not have a license to do business as a debt collector in Nebraska, asking me to repay a debt that I did not incur. 
I asked for a copy of the original loan, What I have is a copy of a loan agreement from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. This is not an organization that I have ever done business with. There is no indication that I signed or provided any identification to enter a loan agreement, and the form has an electronic signiture that is obviously not mine. I opened a file with the FTC regarding identity theft, and sent Zen Resolve a copy of the FTC file, and the avidavit stating the obligation is not mine. I continue to get emails from them asking for money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: OH

Complaint narrative:
I have a collection account showing on my Experian credit report from XXXX XXXX XXXX, Account XXXX - which supposedly originate as debt with XXXX XXXX XXXX for approximately {$1500.00} for which I have no knowledge. I live in XXXX, this is debt from Arizona or Nevada. I have never had this debt, I have never been contacted by the collection agency nor the creditor ( so they obviously do not have my correct contact information ). This collection account was immediately removed from my XXXX and XXXX reports after disputing, but Experian says it is valid and will not remove it. I have no supporting documentation since I have no knowledge of the accounts, and I am NOT going to contact the collection agency for an account which is not mine. I was told my ONLY option with Experian is to continue to dispute, but I have not additional facts to provide. I have nearly perfect credit ( XXXX  score of XXXX ). This is not mine and I want it removed. My initial dispute that was rejected was Experian # XXXX. I did go ahead and file an additional dispute. I want this removed from my report NOW. What are my options??

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 2023-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I've talked to a couple of people at the loan company. I know its not their problem but I've asked if they have some type of program that I can pay at a later date because I'm having health issue and dealing with my mental health right now and I'm not doing to good. It's always no to everything. No help, no working with you. It's you have to pay this now or we suing you. They call 3 times a day from different numbers. Leave countless voice mails and sent a certified letter made me sign it threatening to sue. Then came to my house with my children home alone and left a note on my gate that they are going to sue. There is no talking to the manager because he speaks very I'll and nonchalant as he doesn't care. I've asked to allow lower payments or pay a little at a time of what I currently had. I was told no that it has to all be paid they can't take any partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On my credit report there is a credit card from chase bank credit card I am currently living in XXXX and have not lived in the United States for 12 years. This is fraudulent activity on my credit report. I need to have it removed to keep my credit in good standing. If you look at my credit report you will see theres been no activity in the United States for the past 12 years. I can provide you with proof of identity and residence in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I received a bill for {$2200.00} for an IKEA credit card for a purchase made on XX/XX/2022. I've never opened a credit card account with this company nor purchased anything in the month of XXXX from IKEA. I have called Comenity Bank ( issuer of the credit card ) multiple times and they have only forwarded me to the fraud department. I have waited on hold multiple times for over 2 hours with no answer. They seemingly do not care that this account was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The XXXX Account # XXXX is charged off and should be removed.

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 2023-01-25 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: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
Someone opened an account at Curacao under my name in XX/XX/XXXX. It showed up on my XXXX report XX/XX/XXXX. I tried to reach the company directly to report fraudulent activity but I cant get a hold of anyone. I keep getting the run around and I dont know what else to do. My credit score has already dropped drastically. I will file a police report not only for the acccount being created but for the company not responding as well. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Honda Financial stated in a response to my previous complaint that they gave me the opportunity to request a month deferment to help me catch up. That statement was false. I immediately contacted Honda to request this help and it was denied. The r presentative said that she had no idea who had given me this information because there are no notes. The other issue I want the cfpb to help me with is the late fees and how difficult this company has made it for me to make payments. T HH e only way I can pay Honda require me to pay extra fees. This company to has charged me a ridiculous amount of late fees and on tf op of those charges, Honda has not allowed me to make phone, or on their website for future payments. I have XXXX  and I asked the salesperson if these options would be available, because my disability does not allow me to go through complicated payment procedures without having to put the task aside then come back to it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: CO

Complaint narrative:
I had a checking account and savings account with E TRADE Financial and after setting up direct deposit with my employer and funds were available in my checking account, E-Trade Financial placed a block on my account and asked me to send in documents to verify my identity to release the block on my account. After sending in requested documents over and over again, because everytime I'd call in to check status of my account a new representative would ask me to send in the same documents over and over. Finally after calling for several weeks I was advised that my accounts have been closed and at first I was advised that I would not be able to access my funds. Then after escalation I was advised again to send in the same verifying documents to be able to change the account to withdraw status only so they could send me a check of the balance in my account. I called again on XX/XX/23 and the rep that I spoke with again stated that he is unable to locate any of the documents I've sent in and I would have to send them in again. I've been going on over a month now where I have not been able to access the funds in the account that are from my employer. This has tremendously impacted my life in many different aspects as well as causing me to become late on most of my bills because of not being able to access my funds that I worked hard for, because E-Trade has a block on my funds. Everytime I call in the reps never seem to no what's going on based on notes on the account or able to find the documents that I've submitted more than enough times to verify my identity. I desperately need assistance in being able to access my funds in the account whether that's via a check or allowing me to use the debit card one last time to withdrawal the funds. I am very close to losing everything because of not having access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian offered to negotiate billing with current creditors to reduced the billing amount. I provided accounts for their use during a free trial period of 7 days to see if they could produce results. Couple of days later they asked for " additional information '' on one of the accounts and I provided the requested information. Free trail period ended with no results or any response and they billed my credit card for {$24.00} on XXXX I called to cancel the " Premium account '' offer on XXXX and they said the billing was nonrefundable. I told Experian they did not produce the results they offered and I wanted a refund. After several minutes on the phone, they finally agreed to refund the charges. They should not offer services they can not provide or fail to provide. This is nothing more than fraudulent, " bait and switch activity '' and then they refuse to refund the money. They should be prohibited from this activity and not allowed to offer nonexistent services.

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