vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-21 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:
On Monday XX/XX/XXXX, I deposited a check at my local Bank of America branch. Later that day, I received and email from Bank of America saying that a hold was placed on my account, and I was also unable to log in to my online banking account. This check is for a class action lawsuit against a ride share company for owed payments, and the check was issued by my lawyer. After waiting a couple days for the check to clear, I called customer service and they told me that my account was being closed, but they wouldn't give me a reason. I went to the branch where I deposited the check, and all they were able to do was give me the number to the risk department. I called the risk department, but they refused to give me an answer as to why the account was being closed. All they said was the account was going to be fully closed by XX/XX/XXXX or XXXX and that they will mail me a cashier 's check for the balance of my account. I called the third party check issuing company that was working with my lawyer and they said that on their end, the check has been cleared as of Tuesday XX/XX/XXXX. Today XX/XX/XXXX, I called the Bank of America Risk Department to see if the cashier 's check has been mailed out yet. They told me they are still working on closing the account and it won't be until XX/XX/XXXX that they mail the check. They also verified that the check cleared on their end. They also refuse to give me a reason as to why they are closing down the account. They pushed back the date from XX/XX/XXXX to XX/XX/XXXX, and they are holding on to funds that have already been cleared. This has been an absolute horrible experience with Bank of America!

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 2022-04-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: NV

Complaint narrative:
A letter dated XX/XX/XXXXwas received from National Credit Management for delinquent account for XXXX XXXX XXXX  University. 

Two debt validation letters were sent to National Credit Management. 

Validation letters were sent via USPS Certified Mail with e-Return Receipt as of XX/XX/XXXX, debt collector has not replied to my debt validation requests and has reported the collection on all 3 credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I purchased tickets for {$330.00} through XXXX  for a live show in XXXX back in XX/XX/XXXX. I used Affirm to finance the small loan to pay in 3 installments and paid it off with on time payments in XX/XX/XXXX. Since then the show was postponed twice and then finally cancelled XX/XX/XXXX. XXXX returned my money in full ( XXXX ) the beginning of XXXX to the original payment source, Affirm. Affirm was supposed to mail my check to me for XXXX within 16 days. I have emailed, chatted, and contacted them through social media ( XXXX and XXXX ), no less than seven times. I have screen shots of everything and copies of the emails if you would like them for the exact information on each conversation. 
These were the responses : XXXX - XX/XX/XXXX, the first 30 days they tried to verify my address which was correct to begin with and was verified first contact with Affirm the beginning of XXXX. They continued to verify my address via email like they had not before for over 30 days with at least 3 separate emails. Then when I contacted Affirm again after the first 30 days, I was told my matter would be escalated and someone would contact me. I heard nothing for over a week, when I contacted Affirm I was told it was escalated and someone would contact me around the beginning of XXXX. I asked for their contact information since I had not heard at all in a week and was told I could not have that. I am still waiting on a return call for over a month and a half and I have had at least 5 different conversations with Affirm inquiring about my money since being told it was escalated. Each time they only told me it was escalated and someone would reach out to me. I am still waiting two and a half months past my refund being released from the merchant and we are at 2 years and 2 and a half months that Affirm has had my money. I want my XXXX refunded - there should be nothing to look into - the merchant refunded my money and they need to send it to me. It is mine. Affirm has stolen my money, and theft is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Convergent Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Has violated my rights 15 . U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CT

Complaint narrative:
I tried writing to this company to advise them that the account, XXXX XXXX XXXXXXXX was inaccurately showing on my credit report. I never has an account with this company and neither did I pay them any money. I paid money to XXXX directly in the amount of {$270.00} with whom I had an account. This account needs to be taken off of my credit report 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 2022-04-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Report Act : Account NamXXXX XXXX Account Number XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

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 2022-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
I received a call and then a letter from AvanteUSA claiming to be a debt collecting agency for almost {$4000.00} for XXXX XXXX XXXX XXXX. I have never been there. I called the hospital and verified that they have no account under my name with my address or my birthdate. I called AvanteUSA, spoke to a woman who stated that her name was XXXX XXXX, and she stated they received the debt from " XXXX XXXX ''. I advised that I have never received care at that XXXX  and I believed this to be a fraud attempt. She stated that she would " remove that address from the account '' but did not state anything about a date of birth or social security number. When I told her I thought this was a scam that was part of a larger " credit repair '' scam, she hung up on me. 
This is the third time that a XXXX family member has experienced this. XXXX of those times resulted in additional fraud from the " credit repair company '' that is listed on XXXX to " help with fixing credit from negative credit reports from AvanteUSA. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Management Services, LP
State: FL

Complaint narrative:
I am writing today on XXXX XXXX to submit a complaint and grievance to an alert communications to my mothers home asking her if i would make payments for my own personal debt that i owe to Capital Management of {$6200.00}. 

XXXX XXXX will be through MAIL ONLY to my home address on file. 


I will also provide {$25.00} per month until the debt is no more to your company.

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 2022-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
Comenity Bank called me 7 times in the span of XXXX minute this morning, no message left. I did not know who the number belonged to and had to look it up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, Has violated my rights 15 . U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

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 2022-04-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, Has violated my rights 15 . U.S.C 1681 section 602 A. States i have the right to Privacy 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without written instructions.

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 2022-04-21 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: FL

Complaint narrative:
I obtained a mortgage with a company called XXXX mortgage. My first payment was due on XXXX XXXX .I paid it on XX/XX/2017. 
I made every payment on time and even send XXXX payments per month for about 6 months. The company changed names to XXXX, then XXXX XXXX, then XXXX. They reported to the credit Agencies that I was late numerous times. XXXX fixed this and so did XXXX. Experian also said my first payment was due on XX/XX/XXXX. I gave the Experian every bank statement that showed I was never late and also the copy of the mortgage that says it was due XX/XX/2017. Experian said the mortgage company wouldn't accept this. I do not understand how this can continue. I have since gotten a Heloc from a credit union that paid off the balance of the mortgage. Experian still shows it as unpaid. I have been dealing with this for 5 years and need help with this issue. Please help me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2020 there is a hard inquiry on my credit report from PayPal. When I reached out to PayPal to look into it the automated system stated that there was an open credit card in my name. I have no history of receiving any type of credit card from Pay Pal and asked them to look into the card and close it as well as remove the hard inquiry from my credit report. The woman stated that she did not see any history of my information in her system and therefore could not remove it. However, the information is on my credit report and I never received any type of Pay Pal credit digitally or via a physical card.

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 2022-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/2022, I received a text message from ph # XXXX advising that Chime was having sweepstakes and to kindly send Yes to confirm Chime Bonus. I did and was immediately locked out of my account. I contacted Chime immediately at XXXX and worked with a rep to reset my password. It was reset and I used my card. I thought everything was fine, so I transferred {$100.00} to my checking account with Chime from my XXXX  XXXX XXXX account as I do every month. 
When Chime received the payment on XX/XX/XXXX, they immediately locked me out of my account and advised me that I needed to send them my driver 's license, front & back, and a selfie showing me holding my ID and a piece of paper with the date, XX/XX/2022 I sent it. They sent me an email that they needed another pic, with the date written/ not typed on paper with a selfie. I did. They rejected that and told me to take another pic, because it wasn't clear. I tried calling the XXXX number, and someone answered, but just held onto the phone, not speaking. I hung up and contacted them on XXXX. They reached out and asked for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
NAVIANT kept talking me into forbearances and deferments for almost 15 years making promises and telling lies about how it will impact me. Now I have a mountain of fees and interest I will never be able to repay. I have years of forbearances and deferments from NAVIANT. Not months but actual years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Klarna AB
State: PA

Complaint narrative:
Klarna is a bank that should be put out of business!!! 
They have NO Customer service, they will not have a supervisor call me back!!! 
I have tried for TWO WEEKS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

Their website is broken, it wil not show the info that I need, that is why I need a call back. 
They have NO IDEA WHEN A SUPERVISOR WILL CALL ME BACK, AND HALF OF THEM DONT EVEN KNOW HOW TO GET A SUPERVISOR ON THE PHONE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
I have reached out to the bureaus regarding fraud on my credit report on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them several times. They told me to file an identity theft affidavit to remove the items. I have done everything, and I never get a response and the accounts are still there. This had prevented me from refinancing my mortgage. This is such a violation of my rights.

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 2022-04-21 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
PAYPAL XXXX XXXX XXXXXXXX... XXXX XXXX, XXXX  TELEPHONE NUMBER XXXX TALKED TO THEM XXXX XXXX XXXX. They told me to change the wordings of the dispute with my bank to which I did but up to now, I did not get my refund to the item in the amount of {$30.00}. 

This is an item advertised on XXXX. The item arrived with no information inside as to what product they sent, how to use it, everything, no return address, no return label incase the product is too small, too large or defective. In this case it was a fashionable eyeglasses for 65+. Once I tried it on it was too blurry for me, it gave me a XXXX and I feel like spinning around trying to make use of it but was too uncomfortable. If they had the return label, I would have return it right away. I disputed it with my bank 2 times but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help.

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 2022-04-21 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: CA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation