vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2020, I went to the Bank of America ( BofA ) ATM to withdraw funds from my checking account, where I receive my payroll, and noticed that my card was not working. I immediately called BofA to identify the issue, where I was told that my accounts had been restricted and would be closed in a couple of days, because I had not updated my information. Going through my records, I realized that a letter ( " Letter '' ) had been sent on XX/XX/2020, requesting that I update the information. On XX/XX/2020, I had gone to the BofA branch and updated my information and received a confirmation of my visit, as requested in the Letter. Furthermore, after reviewing my records, I called BofA on XX/XX/2020 to request to transfer my funds, as they indicated that they would close my account. However, BofA indicated that I could not withdraw my account, which is my main account where I receive payroll and pay all my bills and expenses, and they indicated that they would close my account on XX/XX/2020 ( the " Closing Date '' ), and within 3 business days of the Closing Date, they would issue a check and send it over regular mail, which takes 7 to 10 business days, which means that I would receive my payroll funds within 20 to 30 calendar days since the day BofA froze my account. Additionally, BofA debited my account for a payment that came in, however, since I did not have the funds, it overdrew one of my checking accounts and charged me a fee, which I can not pay, since I can not credit any account or use the funds already in my other checking account at BofA. I was also expecting to receive my XXXX XXXX XXXX through this account, which this situation will likely cause an unnecessary delay in my receipt of those funds. Due to the described situation, I do not have funds this month to pay my necessary living expenses, I have been charged fees by other companies since they returned my monthly ACH bill pay/autopay, I will likely incur in a credit score downfall, and the emotional stress of not being able to pay my bills and the current Covid XXXX situation. I believe that BofA 's practices fall under the Unfair, Deceptive or Abusive Acts and Practices ( UDAAPs ), as they have blocked access to my funds, which include payroll. Furthermore, absent a court order or a violation of law, I do not believe BofA can legally freeze my funds.

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 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
This is a XXXX XXXX cell contract I signed as a XXXX for XXXX XXXX XXXX XXXX XXXX when out of business The debt was with a different collection agency XXXX XXXX XXXX I file a Consumer finanse Complaint and it was removed Now it shows up with a different Collection agency Southwest Credit System When does it end

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I opened a checking account with Huntington Bank. The banker advised me of a {$200.00} promo for opening the account. He entered a code which generated a paper with the requirements that I needed to follow. There is no way to have this generated paper without a code being entered. As the 90 day period was ending and having met all the requirements, I called customer service to find out when the bonus was going to be credited. This call was on XX/XX/XXXX ( 90 days were over XX/XX/XXXX ). I was told " YOU DO NOT HAVE ANY PROMO CODES ATTACHED TO YOUR ACCOUNT- NO PROMO ''. After my shock, I told her that I even had the generated paper. She asked me to call the branch. 
Log in dates : * XX/XX/XXXX -- spoke with XXXX XXXX at the bank who told me to email her the paper and that she would take it to the back and have the promo code attached. 
XXXX -- get an email from her stating that I needed to wait another 14 days and if I did not get the bonus to call her and she would try to insert the promo code on the back end. She also said that the person that open my account XXXX was out and that I would have to wait until the following week. 
XXXX -- called branch to check on XXXX- left message XXXX -- sent email to XXXX XXXX - VP of Huntington - never received a response XXXX -- called branch again- still no return call from XXXX. 
XXXX -- called corporate office and spoke to XXXX XXXX the is the highest level of consumer issues. She said that she was going to check on this immediately. 
* XX/XX/XXXX -- called XXXX she told me that XXXX told her that he remembered me, that he entered the code and the paper was generated. He told her that I was definitely owed the promo. She needed to check with " her people '' to see when the promo was going to be attached. 
* XXXX called corporate again- XXXX told me that she was still investigating and talking to her people. She assured me that I am certainly owed the promo but that I would have to wait possibly another 2 weeks. She would let me know. 
* XX/XX/XXXX - never got a return call. Called XXXX again. This time I asked her if I could speak to some of her people, that maybe I could try to expedite things. I was told that she is they highest person I could speak to. That I would have to deal with her only on this issue. 
Today is XX/XX/XXXX ( account was opened XX/XX/XXXX ) and I still do no have my promised bonus amount and when I called customer service to follow up they told me that there still was no promo code attached to my account at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OR

Complaint narrative:
Hunter Warfield Inc has fraudulently reported a debt against me. The false debt is from a 3rd party creditor for {$680.00} but they will not provide any dates nor supporting documentation over this debt and was told I need to prove it is not mine or pay. It's not a real debt, therefore there is nothing for me to reference to show it's not mine and this fraudulent claim has now stopped my mortgage refinance because of the credit drop. Local police have been contacted for ID Fraud against them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: ID Analytics, Inc.
State: ID

Complaint narrative:
XXXX XXXX used this credit reporting agency on XX/XX/2020 to use in a decision for a car loan. 
XXXX XXXX credit rating was XXXX. My credit score is in the 800-832 range with the other three reporting  agencies. 
Their reasons : Limited history for consumer at address and phone number. I have been at my current address for XXXX years and have had the same phone number for XXXX years. 
Distance between address and area code of phone. I live within 15 miles of the area code of my phone. 
Too few active accounts. I have a car loan for the last years and an open credit card account for the last three. All current with zero late payments. 
Total account balances. Percent of my debt to income is 20 % This company 's information is so far off that they seem fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
XX/XX/2019. {$3000.00} plus interest and associated fees. I attempted to update my account due to complications with my job and car repairs eventually a repayment plan was incorporated and I would like my credit repaired due to complications with COVID-19 impacting XXXX, Michigan under executive orders of Governor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NV

Complaint narrative:
There are 2 accounts showing in collections that I never opened

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 2020-04-16 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: OK

Complaint narrative:
605b complaint was not answered in a timely or proper manner in accordance to FCRA. I request immediate compliance or reasons as to why my complaint was not answered lawfully.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 a letter was mailed to me stating that I was denied for credit due to a low credit score from some company by the name of SageStream llc XXXX XXXX XXXX XXXX XXXX, Ca XXXX. I do not know who these people are nor did I give their company permission to get my information and come up with some crazy score. These people need to be stopped!!! I do not feel my information is being represented correctly by these people nor do I think they should have my information. I do not want this company acting on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: FL

Complaint narrative:
In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. 
The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. 
Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. 

The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NV

Complaint narrative:
There are 2 accounts showing in collections that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16 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: NV

Complaint narrative:
There are 2 accounts showing in collections that I never opened

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 2020-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello Citi Executive Response Unit, Please reconsider your investigation, as ALL points that you have stated in your reply are false. 1. " The card was sent to your valid address '' - the address you are referring to is fraudulent and I never lived there. I know what address you state from the initial credit report I obtained after discovering this issue. Plus in XXXX I've been living and studying in XXXX XXXX a country in XXXX XXXX which is proven by docs attached to this complaint. I can provide you with my diploma if you need. 2. " Statements were sent to your valid address '' - What address? If the same address that you state in the 1st point - that is not my address and never was and I have never received any statements from you on any addresses in the US where I lived after I reentered the country in XX/XX/XXXX. 3. " Payments were made from your valid checking account, which has not been identified as being fraudulently opened '' - If you have a checking account opened in my name in your bank - it is also fraudulently opened and needs to be investigated. I've never opened a checking account with guys. And again no one from your team contacted me to investigate this case. Even though your support said that the investigator will reach out to me. I am a victim of identity theft, and it is not my fault that the security of your bank works badly and lets criminals open accounts in other people 's names. Instead of helping out to fix this and investigate solutions to avoid anything like this to happen in the future to other people, you guys continue harassing me. Please stop, otherwise, I'll need to go to court to defend myself. 

Attaching your reply to this case. 

Thank you, 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 2020-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I submitted my monthly mortgage payment to Wells Fargo for XX/XX/2020. I include approximately {$600.00} extra each month that is only to be applied to the principal on the mortgage. I checked my most recent mortgage statement which posted yesterday and found that the approximately {$600.00} was not applied to the principal. I spoke with a Wells Fargo representative who advised that the extra approximately {$600.00} had been placed into a suspense account. The representative had no idea why this happened and was opening a case. I have had numerous past problems with Wells Fargo misapplying additional funds that I have sent in. Previous representatives assured me that the coding and funding sources on the account have been set properly so this would never happen again. Well, here I am complaining about this issue again that in no way benefits me, the consumer and only benefits Wells Fargo. I have several complaints on file with the Consumer Financial Protection Bureau documenting this exact problem. Can you please help me? Thank you.

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 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is ONLINE IN SV # XXXX and XXXX XXXX # XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: I.C. System, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX and IC SYSTEM # XXXX required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 )  ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation can be held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where they are in compliance with OHIO LAW. I also have reported this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report since they have not even tried to contact me regarding this Fraudulent collection account. Please have them remove these collection accounts immediately.

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 2020-04-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
At the beginning of XXXX ( XX/XX/XXXX ), I was to receive a courtesy credit for {$790.00} for a chargeback dispute, along with a {$120.00} credit ( which I already received ). I was told these credits would be granted as a courtesy since my disputes were outside of the allotted 60 days period. I spoke to a total of 4 different Citi representatives in the dispute resolutions department and customer service, all of which assured me that I would receive this credit 'in 48 to 72 ' hours. Citibank 's automated system also confirmed that I was granted this credit. Every rep I spoke with confirmed this credit will be granted to my account ( Please listen to the recorded phone calls ). 

On XX/XX/XXXX, I called Citi again since no credits were posted, and I spoke to a supervisor named XXXX. She informed me that no credit would be granted. I explained to her that 4 different reps had informed me that I would be receiving this credit, and the automated system confirmed this as well. She then explained that my account was in review and that all my conversations with the Citi reps would be listened to, and I would receive a letter with the outcome. She said that it would be 7 to 10 business days from XX/XX/XXXX. I didnt receive a letter. 

I called Citi and spoke to XXXX on XXXX and she informed me that my account review was complete and I was approved for my credit of {$790.00} on XX/XX/XXXX at XXXX, and gave me confirmation # XXXX. She said that the department that handles the credits was closed due to COVID-19 and that I should get my credit later in the week. No credit has been seen. 

On XX/XX/XXXX I contact Citi again and spoke to XXXX. He tried to get a manager or supervisor on the line but he was unable since the call volume was very large. He said hed call me back with a resolution. He called me later that day and left me a voicemail that he had emailed that department and CCed his manager. He told me hed reach out with a resolution with in a day or so. I have heard nothing as of today, XX/XX/XXXX. 

I contacted Citi this morning ( XX/XX/XXXX ), and was put on hold for 50 minutes then the rep hung up. I called back and spoke to a lady. Was on hold with her for 1 hour and 37 minutes. She did check in with me and after about an hour, she said she would look into another solution to get my credit issue resolved. She hung up shortly after. 

I have been using Citibank exclusively for the past years, and I have NEVER in my entire credit card usage history experienced such blatant disregard. In a time like this with COVID-19, Citibank 's actions are absolutely appalling, especially when I have never missed a payment, and have been a loyal Citibank customer.

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 2020-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation