vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The Bank of America communicated to me that it had received a letter from the XXXX XXXX XXXX and that I am subject to withholding on interest and dividend payments. 
I believe this letter is in error for the following reasons : -No communication from the XXXX XXXX XXXX stating that I am subject to interest or dividend withholding -Inquiry into the XXXX XXXX XXXX . I am in good standing and dont owe any taxes, etc. 
-None of my other financial institutions ( XXXX , XXXX , XXXX , etc. ) have communicated that they have received notification from the XXXX that I am subject to withholding interest. 

I attempted to resolve this issue by calling the phone number in the enclosed letter ( XXXX ) on XX/XX/2020 and XX/XX/2020. Both representatives indicated the following : -They both could not find anything on file -The second representative seemed to change his mind and then say that there was something on file but wasnt very specific and suggested I call the XXXX. 

I have sent a letter to BoA on XX/XX/2020 and have yet to receive a response. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: GreenSky, LLC
State: MI

Complaint narrative:
GreenSky is a fraudulent corporation. I had 4 XXXX  treatments at {$50.00} a session, and they are trying to charge me over XXXX for services. The company I went to for the laser treatments, XXXX XXXX, left in a voice-mail that they were shocked that was happening. I couldn't even get treatments since I became XXXX and could n't drive, and due to covid, and XXXX not only closed down for awhile, but I was getting treatments on my face, which with a compromised immune system, I would be unable to do, yet GreenSky keeps harassing me via email, phone, and text for payment which threatens my good credit standing. GreenSky are dodging all my emails for an {$850.00} refund. I paid the {$200.00}, I want the other {$850.00} back for treatments I did not get done. They are very dishonest and I do not recommend anyone doing business with them. They have a 2 star review, over 300 complaints, and aclass-action lawsuit against them right now. I wish someone had warned me or I researched them but it's hard to be a trusting person in this world. Don't do business with GreenSky , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Early part of 2019 id filed a complaint with the Federal Trade Commission Office for identity Theft i was working a credit agent and i went to the local office depot to fax my personal information to the credit agency company, and the young man that was assisting me put the wrong fax number into the fax system and immediately days after my bank account was compromised and weeks, months later i notice things on my credit i did'nt apply for. Now im still fighting to get these items off of my credit reports. And now those account has been charged off and closed, but still remains on my files. Im asking that these items be removed from my credit files immediately, and if not i will be filing a small claims action against these companies, Per- Acima Credit XXXX XXXX , XXXX/XXXX, XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: IL

Complaint narrative:
I have had 3 instances of large purchases being made on my Home Depot credit card. I have disputed the fraudulent purchases with the credit card company. On Friday, XX/XX/XXXX I received a letter saying that I was found to be liable for one of the fraudulent purchases. 

The purchase date was XX/XX/XXXX, in the amount of {$6100.00}. It was an in-store purchase at a store I've never been to. The card transaction says " XXXX '' and I think it's a store in XXXX XXXX. I disputed the transaction and the security investigation found that I am liable for the charges. 

There have been multiple large in-store purchases. I believer that there is someone, probably a store employee, that has stolen my information and is using it to make these purchases. 

The second issue that I'm having is that every time I've called to dispute one of these transaction, I ask that the card be shut down so that no more purchases can be made on it. I don't know if there is someone else asking that the card be re-issued or if they are just not honoring my request, but the card has remained active even after I have asked multiple times that it be closed. I have been of the understanding that the card has been closed and I don't find out otherwise until another fraudulent purchase has been made.

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 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
made payment on one credit card, they applied on different credit card. I tried to call multiple times and even open case with Executive Team to apply to right account. There is no one giving clear answer. I decided to close account thinking to get my amount that was paid. They keep saying still under investigation Payment amt : XXXX $ dated on XX/XX/2020

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 2020-10-19 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.

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 2020-10-19 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone with the same or similar name. Please delete this account.

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 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I request verification like the original signed consumer contract from Portfolio Recovery Associates Amount {$4200.00}. I sent them three letters requesting documentation like the original signed consumer contract as required by FCRA, but they never produced it. The only sent a letter the original creditor sold the account to Portfolio Recovery Associates. I sent three letters on XX/XX/2020, XX/XX/2020, and XX/XX/2020. They could not produce verification of the debit. They said they verified, but Who verified no documentation was sent to me. How did they verify the debit? This is showing as a collection and hurting my credit. In addition I noticed today a second account has appeared as collection in the amount {$6700.00} now I will be starting the process with this account. I have sent three letters to all three credit bureaus as well which I will be filing complaints on as they did not provide the required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: IN

Complaint narrative:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

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 2020-10-19 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
ACCOUNT : XXXX XXXX was granted a judgement against me. 

Status and information is incorrect. 

The company agreed to settle the account and remove the debt from my credit reports after the settlement was paid. 

I paid the amount agreed upon in a lump sum but account has remained on my Credit Reports.

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 2020-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of the west is charging me out of the air and their explanation is that they do not know how they get their figures. 

# 1 Bank of the West costumer service in real estate dept. is clueless about the problem and they not willing to correct it. 

# 2 their accounting Dept. is not communication at all to correct the issue and they turning blind eye on me. 

# XXXX Bank of the west is throwing numbers out of the air with vague explanation of why the monthly numbers are not correct. I spoke to bank manager and the person agreed that nothing make sense, accounting does not make sense. I ask for them to audit their account to investigate their unfounded fluctuating fees and bank of the west said they will not do it. Here are the issues : I had a HELOC account for about 2 years and on XX/XX/2020 I applied for emergency disaster forbearance. I was on forbearance for 3 months and and my end date was in XXXX of 2020. I communicated with bank of the west and asked what is the final amount to pay for the 3 months of forbearance so I can catch up and get to normal chargers. They said {$1800.00}. I paid {$1800.00} in XXXX XXXX see image In XX/XX/2020 I get a bill for {$480.00} and I paid it thinking by now this is correct and account is back to normal. 

In XX/XX/2020 I see my account online about {$900.00} was due. I called and asked what is this high fee for and the reply was that is the remaining balance for the forbearance. After XXXX days Bank of the west corrected it to {$170.00}. Which did not make sense and they did not give me explanation what is {$170.00} is for. I paid {$170.00} to satisfy this bank. By now I started to suspect that Bank of the west playing scam games or fraud charge tactics. 

In XX/XX/2020 I get a bill for {$520.00}. I paid it In XXXX I get a bill for {$400.00}. I called Bank of the west asking why is XXXX bill {$520.00} and XXXX bill dropped to {$400.00}. Bank of the west answer was that XXXX bill has some remining balance of the forbearance. At this point I HIGHLY SUSPECT Bank of the west is XXXX  me as we confirmed in XX/XX/2020 the payment of {$1800.00} was the final bill to end the forbearance and this bank scamming me. their accounting does not make sense at all. AND I AM NOT CONFIDENT THAT THEY BEEN CHARGING ME CORRECTLY SINCE I GOT THIS HELOC. 

I checked some past recites and again I see high and low accounting charges. I want this bank to be audit since opening HELOC ACCOUNT to date, specifically my HELOC account

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 2020-10-19 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: FL

Complaint narrative:
The following account ( XXXX XXXX XXXX ) belongs to someone else with the same or similar name. Please delete from credit report.

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 2020-10-19 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: TX

Complaint narrative:
I have been having so many issues in regards to my identity being stolen. I spoke with XXXX, XXXX, and transunion and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

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 2020-10-19 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: TX

Complaint narrative:
I have been having so many issues in regards to my identity being stolen. I spoke with experian, XXXX, and XXXX and sent them all the documents required, and i have yet to hear anything back from them. Nothing has been removed or fixed and my personal life and credit score have been hit extremely hard.

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 2020-10-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My American Express personal savings account was debited for ( {$4800.00} ) on XX/XX/XXXX. I did not authorize this transaction nor have I ever personally owned a credit card with XXXX. I noticed the fraudulent transaction on XX/XX/XXXX at which point I immediately called American Express to notify them and begin the dispute process.

I received a letter from American Express dated XX/XX/XXXX indicating they would not refund me the {$4800.00} because " based on their review of the information, no bank error had occurred ''. I've since made several calls to American Express to request additional information & documentation on how they arrived at that conclusion, and each time I demand to speak to a supervisor on the issue they've told me someone from " business operations '' would call me in a specified time period to explain to me why I wouldn't be refunded my money. I still have not received a call from AmEx " business operations '' within any of the time periods I was told I would receive a call within. 

Today I called them again to demand information because I didnt receive a call as promised, and I was told AmEx is sending me a letter in the mail indicating why they will not be reimbursing me for a transaction I didn't make. This is strange because AmEx refunded another fraudulent transaction on my account - the other transaction in question was an online payment to an AmEx credit card which I've never owned an AmEx card either. I believe American Express is intentionally trying to make it difficult for me to get confirmation of what's going on with my dispute in the hopes that I give up and AmEx will not have to refund me my money that I'm rightly due. I'm terrified that they've taken advantage of other consumers that may have less persistence than I have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. 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 2020-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has not applied full payments in the amount due that were made to my home equity account. I have been trying to get this resolved since XX/XX/XXXX with multiple calls to their customer service department. Each call ends with the representative acknowledging the error & stating that it will be corrected. To date it appears they have made the matter worse and my account now reflects over {$4000.00} in past due payments. All payments have been made as agreed and i am not sure what else to do to have this corrected. I had wanted to refinance my first mortgage but a requirement is to verify that the last 3 mortgage payments have been paid on time which they have but since this is not reporting correctly i would be unable to proceed. My payment history is below and i have attached the transaction history for this account from my online banking portal. 

XXXX payment amount : {$1500.00} paid on XX/XX/XXXX XXXX payment amount : {$1300.00} paid on XX/XX/XXXX XXXX payment amount : {$1100.00} paid on XX/XX/XXXX XXXX, XXXX & XXXX deferrment period XXXX payment amount : {$1600.00} paid on XX/XX/XXXX XXXX payment aount : {$1400.00} paid on XXXX Not only are they not applying the payments i am being charged interest on a principal balance which is incorrect. Your assistance would be greatly appreciated as this causing financial & emotional stress.

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 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have placed a fraud report with Bank of America in XX/XX/2020 due to an unauthorize XXXX transaction. I received an email and all stating funds will be returned from XXXX which I never authorize for any removal or transfer any funds. I then called Bank of America in the middle of XXXX where I spoke with XXXX from Tennessee who said my case was closed with no letter, call or email giving me status on my report. XXXX then reopened my case on XX/XX/2020, case # XXXX. I place my funds in this FDIC Institution for security reason and still can't be protected. I had a previous issue back in XXXX and XX/XX/2020 where my bank card kept getting transaction from XXXX that I did not authorize and they refunded me my funds until they decide if it was a fraud or not. Of course it came to be a fraud transaction. My bank card had to be changed 3 times. Now with these 3 XXXX transaction of {$990.00} the bank does not want to refund me or anything. During this pandemic so many things are happening and a federal institute isn't even willing to help. All other times they have frozen my account due to weird transactions and all, where I had to call them and confirm with them it was me doing these transaction. But the one time I need there security and help and I get NOTHING. What would be my next step. Please 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 explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
Barclays Bank Delaware

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