vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-22 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2020 I deposited {$2000.00} into my chase checking account and another {$2000.00} into my chase savings account and on XX/XX/XXXX they closed my account and have yet to give me my money and when I call nobody knows anything and they transfer me around and keep me on hold for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
Allied collections appeared on my credit report no notice ever sent to allow me to dispute the validity

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 2021-11-22 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: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Account that is still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: NC

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XX/XX/2021 Equifax XXXX XXXX XXXX XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report and needs to remove from reporting : XXXX {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I have a CD with Bank of America since last year CD. It had a maturity date of XX/XX/XXXX. I started calling the bank on XX/XX/XXXX since then I've made XXXX subsequent phone calls to have my CD release. For the last two weeks the situation has been escalated to the CD escalation line of Bank of America every time they kept saying it's going to be released. It's been two weeks, I spoken to XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX all managers and all have told me it would be released. Today is XX/XX/XXXX one month later and the CD has still not been released this has been an absurd situation with Bank of America. I have been banking with Bank of America for 32 years and I've never ever seen this issue. I am so frustrated that I'm about to pull my account that's why I'm filing a complaint. Im filing another one with the United states Federal Reserve. PLEASE HELP THIS SITUATION IN UNEXCEPTABLE At times it feels like the bank is going insolvency they just don't respond.

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 2021-11-22 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I opened a spend account with Credit Karma and transferred funds. One transfer was duplicated and left my original checking account overdrawn. I initiated {$2000.00} transfer the XXXX and they state I initiated one on the XXXX but can not provide any proof such as time ect. I was told by their rep to get with my bank to have it reversed. I did so and Credit Karma locked my account. The money has now been figured out, my original checking is right and my Credit Karma account shows exactly what I initiated to be deposited. However they have left my account locked despite numerous attempts to inquire why. What concerns me most is that when you call in all you can speak to is a ticket agent who sends the actual banker a message, no direct contact is allowed. I feel that while I have used their products in the past with no issues that somehow a scammer got into this matter or has a fraudulent link on their account. Any repose from them is that they cant tell me anything at this time which in the bank world is very concerning when your asking for basic details of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
To whom it may concern : I had made two purchases from the same seller on XXXX, on XX/XX/2021 and XX/XX/2021. The purchases were for the same item, a security camera. The first purchase was made by " making an offer '', and the second purchase was done by using the 'buy it now ' option. Despite purchasing two cameras, from the same seller, the seller only shipped one camera. They initially disputed that I purchase ( 2 ), given they are a new and ignorant seller that isn't aware how to operate the XXXX platform. After numerous secure XXXX messages back and forth, they finally realize and admit that they made the mistake. All correspondence was provided to Discover during the dispute process, since the seller never returned the money for the camera they did not send. Despite this, Discover sided with the merchant, XXXX, in a highly discriminatory favor. XXXX provided Discover with a tracking # confirming receipt of the package -- clearly missing the fact that delivery does NOT MEAN EVERYTHING WAS DELIVERED. Only 1 of 2 cameras was delivered. Again, secure, original, XXXX messages from the seller admitting they didn't realize XXXX cameras were purchased was provided and still Discover chose to neglect this information and allow a fraudulent transaction to remain on my account, violating the member agreement to accurately and properly investigate and advocate for their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have been a XXXX to Discover Card for years. I only use it for emergency purposes, and my account is automatically debited for payments, so I'm never late. Although I pay every month, on time, my balance never decreases, and the minimum payment on the account always increases. My credit rating is good, and I don't use the card much. However, because of the high interest rate on the card, my account balance never goes down. Except for one time, when I paid off the account completely, I can never pay off the account. I called DISCOVER to discuss this situation, and they transferred me to their " XXXX XXXX '' department. I spoke with XXXX. She asked me if I could pay more - my minimum payment is already in excess of {$200.00} / month. I asked if she could lower my interest rate ; she indicated that she was not authorized to lower the rate on my card. She stated that she could only lower the interest rate on new purchases. Discover Card charges a usurious rate of interest. DISCOVER automatically debits my bank account each month, but my balance NEVER goes down, and my monthly minimum ALWAYS increases because of the exorbitant interest rate they charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$890.00} ( Original Creditor : XXXX ) XXXX*Balance Owed : {$100.00} ( Original Creditor : XXXX ) XXXX Balance XXXX : {$170.00} ( Original Creditor : XXXX ) XXXX Owed : {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I have not applied for a Citi XXXX but was notified in late XXXX or early XXXX by my XXXX XXXX account that there was activity on my credit history. I responded to XXXX that I had not applied for any credit and they are in the process of investigating the matter. In the meantime, I received a letter in the mail with a new Citi XXXX ending in XXXX with a XXXX XXXX of {$9400.00}. and XXXX XXXX XXXX of {$2900.00}. I have repeatedly tried to call Citi and have spent a significant amount of time getting bumped around on their ridiculous phone system without ever being connected to an individual. Every phone # I call requires that I either enter my Social Security # or the Credit Card #, neither of which am I comfortable providing since I never applied for this card. 

I have no idea how Citi got my social security number, accessed my credit, or issued a credit card in my name. I would like Citi to immediately terminate the card, update and correct my credit report to reflect that they erroneously issued a card and never, ever contact me again. 

Thank you in advance.

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 2021-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NJ

Complaint narrative:
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America. Account. Account number is XXXX. The bank closed my account without noticed me. I dont own the bank moneys. My child tax credit deposit in this account. I have good credit score.

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 2021-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: PA

Complaint narrative:
I am consumer XXXX XXXX, my federally protected consumer rights have been violated by AMCOL SYSTEMS. AMCOL SYSTEMS is a third party debt collector and did not have my direct written consent to contact me regarding alleged debt which is in violation of XXXX XXXX. XXXX  ( a ) of my consumer rights. AMCOL SYSTEMS, has obtained my personal information without my consent and is a breach of my individual privacy under congressional findings of XXXX XXXX. XXXX ( a ). Reporting and having my information without my consent is identity theft. AMCOL SYSTEMS can be held civilly and criminally liable for these actions. I do not owe any debt and I am the consumer under XXXX XXXX XXXX  ( XXXX ), I am not obligated to pay any debt. AMCOL SYSTEMS is in violation of XXXX XXXX XXXX  ( XXXX ), they have gained my location information and did not get permission from the consumer or anyone that is close and knows the consumer. AMCOL SYSTEMS states that the consumer owes a debt in which is a violation of XXXX XXXX XXXX  ( XXXX  ), debt collector must not state that a consumer owes such debt. The alleged debt that was sent is in a positive balance in which means you can not pay on a balance thats already paid, this is false and misleading and in violation of XXXX XXXX. XXXX ( XXXX ) ( A ). 

Cease and Desist was sent and received by AMCOL SYSTEMS with a tracking number of ( 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 explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: IN

Complaint narrative:
I've received numerous calls from AR Resources XXXX XXXX at XXXX. On XX/XX/18 at XXXX I spoke to an agent and asked to be removed from their call list. She confirmed that I would be, and yet I'm still receiving these harassing calls. I have no debt to be collected, so this call is not for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-11-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONRAD CREDIT CORPORATION
State: FL

Complaint narrative:
This is now my XXXX time submitting a CFPB complaint about Conrad Credit Corporation. 
I filed a complaint on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. With no resolution!!! Complaint # XXXX that was filed on XX/XX/2021 Conrad Credit Corporation acknowledged that they reported a duplicate collection account to my credit file and advised that it would take XXXX days for both collections to be removed from my XXXX, XXXX and XXXX credit file however this has not happen. I have called all XXXX credit bureaus and they advised they have NOT received anything from Conrad Credit Corporation. I am tired of continuing to file a complaint and neither the CFPB or Conrad Credit Corporation has resolved my issue. You are reporting a duplicate collection which is inaccurate and per my consumer rights per the FCRA this must be deleted from my credit file. This is my last time attempt to resolve this matter with both the CFPB and Conrad Credit Corporation. I will not wait another XXXX days for this matter to be resolve. I will file for litigation immediately. Remove these collection accounts from my credit file NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX problems with the closing for our house on XX/XX/2021 ( XXXX weeks ago ) : 1. Our bank, Bank of America, still collected the payment for XXXX and has not sent us the money ( {$2000.00} ) 2. They also have not sent us our escrow monies ( {$5900.00} ) I called the bank 3 times, immediately after they took an extra mortgage payment and XXXX times over the next few weeks ( XX/XX/XXXX and XX/XX/XXXX ). The last time I spoke with XXXX on XX/XX/XXXX at XXXX. Each time they assured me that the mortgage payment was collected in error and that the money would be sent to me within a week. They also said they would send it express mail. 

It has been XXXX  days ( XXXX weeks ) and we still do not have our money. What if we depended on that money ( especially the extra mortgage draw? ) to pay rent or eat? This is unethical and unacceptable! 

Please advise how we can get our 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 2021-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have reached out to this debt collector on several occasion requesting validation of this debt and have yet to receive the proper response. I have sent several written requested and have requested documentation and have not received responses back. The dates are as follows XX/XX/2021, XX/XX/2021 and XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
For a while now I have been getting a bill in the mail for a credit card that I never applied to receive. I have spoke numerous times to customer service to please close this card. They told me that there have never been any transactions on this card nor was it ever used. 

They have charged me late fees and other fees totaling roughly XXXX. None of these were due to somebody using the card for purchases. If I need to file a police report and contact my lawyers regarding this situation, that is my next step. 

My credit has suffered due to somebody fraudulently opening this account. The bills on this account were ignored early on due to the fact my wife and I have multiple credit cards. It was not until we evaluated the card and bill, that we realized this is not XXXX of the cards we applied for. 

Please help me address this situation.

Company response to consumer: Closed with explanation