vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
Dear Cfpb Every violation should be treated as one, whenever a bank closes an account they have no right to my money as lng as i am not XXXX XXXX or debt Merrill violating my right has just been confirmed in their response which i quoted below " We regret the misinformation provided to you regarding the processing of your funds.they have been lyinh all through my account is not restricted it is closed, the money in my account was taken by merrill in the month of XXXX, i want Merrill to provide my transaction history, and my ID will be faxed, they have my account details i want my money, i don't want to reinstate the account. i don't want to deal with merrill.I want my money. thanks

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 2023-05-17 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Hello, I am reaching out to report American Express for unfair practices and harassment over the past 4-5 months. It started on or around the XXXX XXXX XXXX XXXX XXXX when they blocked my credit cards for absolutely no reason as my account was in good standing and paid on time. When i reached out to them they requested from me to pay the balance on my business credit card but even on that account the minimum payment was met and even exceeded. When i told them what i just told you they said that they will unfreeze my cards but confronted me that i need to be paying my balance in full every month even though there was no such thing in the agreement and they gave me promotional APR on that account as well as {$40.00} carry over limit and i have spend {$160000.00} on that account and paid {$120000.00} that fiscal year. After clearing everything they unlocked my cards but my problems didn't stopper there. It was pretty much on a weekly base that i was receiving phone calls, threatening e-mails of freezing my accounts, got my accounts frozen again and i literally had to have same conversations every week for months. The last time i had to reassure them and share my financial plans was on the XXXX of this month. A few days later not happy with the fact that i am still taking advantage of the offer they gave me to carry over balance on my business account they went to retaliate against me and reduced the balance on my personal credit card by {$25000.00} for absolutely no good reason regardless of the fact that i reduced my balance on that card by {$3700.00} just this month. Now because of that i get this warnings when i log in and it makes look like my accounts are not in good standing even though i have never been late on payments and i am closing to the limit cuz they drastically reduced it. They have truly been harassing me for months and the only reason i can think of is my national origin. If i haven't had a XXXX  name i don't think i would've been in this position. They want me when i use my cards and pay them hundreds of thousands of dollars but if i happen to use any of the offers they give me they freak out and start harassing me. I am hoping that you're agency will investigate this thoroughly and look into their practices so they can stop harassing people. There's nothing worse then to constantly explain yourself when you have done nothing wrong. I have never been bullied like this in my entire life. This got into situation that is no longer tolerable and need 's to stop! As a proof that the forgoing is true i have attached the evidence i have available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: NJ

Complaint narrative:
On Saturday XX/XX/XXXX I went to use my XXXX XXXX XXXX that had money in it from XXXX  that same day. When I went use the card it kept declining for unknown reasons. I called the customer support number I was given from the app. I spoke with someone on XX/XX/XXXX and was told that my complaint would be sent up to the specialist and would be cleared up within 24hrs. I called back XX/XX/XXXX and was told that no one could help me resolve my issue and that a specialist would have to help me but they werent able to transfer me to a specialist. I was told I would receive a email notifying me about when everything will be cleared and I never received one. I only received a email giving me my claim number. Ive tried calling the customer support number multiple times since then and was unsuccessful with getting through to anyone. Its now been 5 days and Im still unable to access my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.

Complaint narrative:
the email is XXXX and i have raised a few cases with google and the specialists have come back saying that they have to suspend my payment profile because i violated some terms of services? but i did not. I have tried numerous times and they refuse to fix. I deleted my old payment profile and I still can't make purchases on the google play store. my mobile number is XXXX. 
please contact me on my primary email address regarding this case but yeah google have not helped me at all to fix and its a problem. i can't buy any subscriptions on the google store what is the point of me having a google phone?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: MD

Complaint narrative:
WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER ASSASINATION. AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
THIS COLLOTOR IS KEEP REPEATING SAME COLLETION OVER AGAIN. 
WE DISPUTED IT BEFORE AND TAKEN AWAY. WEHT TO THE STORE LOCATION AND CLEARED ALL PAYMENT, WE NEED YOUR HELP TO COMPLETELY 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 explanation
Consumer complaint received 2023-05-17 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: NY

Complaint narrative:
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online

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 2023-05-17 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: NY

Complaint narrative:
none compliant refusing to remove instead leave a {$2.00} balance and provide verification account created online

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 2023-05-17 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-05-17 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:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, XXXX, and Tarnsunion are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.

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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX, Equifax, and XXXX are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
SANTANDER IS IN VIOLATION OF THE COMPTROLLER 'S INSTALLMENT LOAN POLICY : On XX/XX/XXXX, Santander Auto CHARGED OFF my auto loan for the XXXX XXXX XXXX that I had with them. 

In XX/XX/XXXX, after months of waiting for my insurance to settle 2 accident claims the vehicle was considered totaled and payment from the insurance company and gap company sent the payments for their portion of the vehicle loan. 

In XXXX, Santander REBOOKED this SAME previously CHARGED OFF loan, began applying interest, fees, and negative reporting to my credit report again. 

IN ACCORDANCE WITH GAAP STANDARDS AND THE FDIC : Re-Booking Charged-Off Loans " When available information confirms that a specific loan or lease, or a portion thereof, is uncollectible, a bank should promptly charge this amount off against the allowance for loan and lease losses. When making a full or partial direct write-down of a loan or lease for the amount that is uncollectible, the bank establishes a new cost basis for the asset. As the bank attempts to recover the loan or lease in a period subsequent to the recording of the direct write-down, the bank may determine that the borrower 's condition has significantly improved or it may obtain additional collateral from the borrower. In some cases when this has occurred, a bank has attempted to reverse the previous write-down and " re-book '' the charged-off loan or lease. Re-booking a charged-off loan is not an acceptable practice under generally accepted accounting principles and, therefore, is not acceptable for Call Report purposes. Consequently, once a new cost basis has been established for a loan or lease through a direct write-down, this cost basis must not be " written up '' at a later date. '' IN ADDITION TO THIS DETAIL : " Pursuant to the Uniform Retail Classification and Account Management Policy guidelines, banks are generally required to charge off certain consumer debt when the debt is 180 days past due. '' FINALLY, AS STATED IN THE COMPTROLLER 'S CREDIT RISK HANDBOOK, ON PAGE XXXX : " Under GAAP, when a bank charges off a loan or lease in part or full, the bank establishes a new cost basis. Once the loans cost basis has been decreased, it can not be increased later. '' Santander charged off my account on XX/XX/XXXX, therefore, they were not supposed to re-open or " re-book '' the loan 4 months later. 

I have never paid on my Santander Loan, nor did Santander ever receive any indication that my condition improved period, let alone significantly improved. In fact, it had diminished, as I was no longer employed. 

SANTANDER IS NOT COMPLYING with the federal standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MN

Complaint narrative:
I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX 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 2023-05-17 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: MN

Complaint narrative:
I lost my wallet and SSN and someone started opening accounts in my name and I would like these accounts removed the law states if victims of fraud or identity theft these items will have to be removed within the week. 

XXXX XXXX XXXX  : opened XX/XX/XXXX Collection specialist : opened : XX/XX/XXXX XXXX  XXXX XXXX  : opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX : opened XX/XX/XXXX XXXX : opened XX/XX/XXXX I also want to remove late payments from department of ED accounts : opened XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank without notice decided to close my accounts. 2 Business accounts 1 credit card and a business credit line. Besides closing the account, they are holding on to my money. They said they have to mail a check. To this day I haven't received anything 15 days later. My business has no cash to operate and ACH payments are being returned like crazy. They said they mailed a letter informing me that they will be closing me which I hear from others its just a complete lie. 
They know how to get in touch with me when they want. I get emails and text so they aren't being honest when they say they mailed a letter. They are holding close to XXXX XXXX XXXX. 
I want my accounts and credit card reopened. They closed the account XX/XX/2023 today is XX/XX/2023. I called them on XX/XX/XXXX and they said their decision was final. I heard they do this a lot of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: OH

Complaint narrative:
I asked the credit bureaus to verify and send me the proof that I was late for XXXX XXXX  with an account number XXXX opened in XX/XX/XXXX, XXXX XXXX XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and XXXX with an account number XXXX opened in XX/XX/XXXX. 

The bureaus are required to provide me proof of late payments for those account to prove they are accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  / ACCOUNT NUMBER XXXX, has violated my rights. 15 U.S.C 1681 SECTION 602 A. States i have the rights 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-05-17 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I am currently on rotation in XXXX. While checking my credit score, I noticed that I received a delinqency on my account for allegedly missing payments from XX/XX/2023 to XX/XX/2023. However, I have payment history showing that I have made these payments on time. They tagged me for 30 day late payments and my credit score has tanked. I attempted to call and was told to send a letter of good will as the loan officer could do nothing about the situation on their end. I find it ridiculous that I need to send a letter of good will in for a mistake that I did not make. They claimed that it was due to my XX/XX/2023 payment coming out on XX/XX/2023. Which doesn't meet the delinquency time span and it is late of 1 day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
please delete these company off of my credit XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX mtg XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: NJ

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation