vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america is a serial repeat offender of violating laws and regulations. 

I have unauthorized transfers from fraud totaling over {$130000.00} between 3 claims. 

Bank of america has promised provisional credit numerous times on recorded calls and over 8 reps have lied. They do not follow regulation E, XXXX, or any laws and regulations. 

there is thousands of reviews on numerous complaint forums of bank of america greedily, intentionally, willfully denying or delaying valid claims with their only interest is keeping money and not providing relief under XXXX, REG E, ZERO FRAUD LIABILITY. 

I have escalated this to a senior vice president, who has been helpful. He assigned it to escalations team who promised to call me tuesday morning and of course, yet again lied. 

I'm out significant money due to bank of america refusing to follow laws and regulations even when being reported within the time frame provided under law. 

Some of the stuff, they refuse to even open a valid claim, refuse to provide a claim number, just repeatedely saying they working on it. That is highly illegal and is an attempt to run out the clock and wash their hands of their legal liability

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 2022-08-02 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: SC

Complaint narrative:
As of XX/XX/2022 the credit reporting agency have still yet not rectify their wrongful actions of violating my rights. I am tired of going back and forth about these violations. Someone needs to help me resolve this issue. I have made several attempts and ask the credit reporting agency to furnish my written statement for them to place anything on my credit report. I asked to them to provide proof of the furnishers investigation and I am on edge that my employment is placed on my public records of my consumer report which is not okay being that 4 years ago I was a victim of XXXX  XXXX. I asked them to remove any information from my account that does not have my consent and for the most part nothing has change.

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 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Amscot Corporation
State: FL

Complaint narrative:
I bought a money order for XXXX usd on XXXX XX/XX/2022 I send it by usps on XXXX XX/XX/2022. but the certified letter is lost .and today is XX/XX/2022 .and still the USPS has not give me a reasonable answer, what happen with my letter the only know to say that it is in transit. 
So I went to AMSCOT ( central office ) to try to put an stop payment .but is imposible they inform me. You need to buy another money order for XXXX usd. i did it in XXXX XX/XX/2022 and I fill out a form to complete the process until here is ok. 
But the process take around 1 months and half to be ready. XXXX that time they do not take any action to stop the payment so i need to wait 1 month and half. to see what will happen with my money order.Is ridiculous .they only answer, '' you have to wait and be patient '' if al least the put a note, some information, that no to be paid it.as client i feel better but is imposible after many calls.their answer always are the same '' No because we have many cases only wait '', you need to wait ''. and the services by phone is horrible.

rude, Iam frustated as client. because i see i have not immediately solution. 
thank you for your help. and help to other peoples don't pass for this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: KY

Complaint narrative:
The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Have the credit bureaus remove these immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The company, XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX is submitting credit reports with my authorization of any kind. 

They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Have the credit bureaus remove these 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for the American Express Platinum Card. I was denied credit. I sent them a response letter on XX/XX/2022. They responded on XX/XX/2022 stating that would not open the account. The reference number is XXXX " I know credit is my right according to 15 usc 1602f credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer it payment. I am a creditor, which is a person who regularly extends credit ( 15 usc 1602g ), therefore, i credited this transaction so i cant be denied. I credited this transaction so how can you deny me. The determination was unfavorable to me which is why it is adverse. Nothing under adverse action ( 15 usc 1681 ) gives you the right to deny me. I credited this transaction as a creditor from my credit card. A credit card is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, ( 15 usc 1602l ). You have committed a crime on my behalf because I extended you credit, you received it and I didn't benefit from it ; that's called unauthorized use. According to 15 usc 1602p, unauthorized use is a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. According to the Equal Credit Opportunity Act, 15 usc 1691, ( a ) activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 3 ) because the applicant has in good faith exercised any right under this chapter. The right that i exercised was my right to credit ( 15 usc 1602f ) and that is also why you are discriminating against me because you aren't allowing me to exercise my right. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX and 60 days in XXXX XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XXXX XXXX, XX/XX/XXXX, and 60 days in XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

XXXX. XXXX  XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 90 days late in XXXX XXXX I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
To Whom It May Concern : CITIZENS BANK ACCOUNT NUMBER ENDING IN XXXX Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 
However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 

You will not list this debt as a settled account. 

Your company will accept this payment to satisfy the debt in full. 

Your company will not attempt to sell or transfer this debt to another creditor. 

You will make no mention of this agreement to outside third parties. 

If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Amount {$160.00} and I do not own this amount. Please release this collection in my record as soon as possible. Best regards!

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi sir/madam, Good day. 

I am an XXXX XXXXXXXX XXXX and several days ago, I encounted a bank fraud. Pleas help me get the money return. 

On XX/XX/2022, I have two transactions not authorized by me ( Bank of america 's checking account ), they are bill payments, one is to XXXX XXXX XXXX of {$9900.00} and the other is to XXXX XXXX XXXX XXXX of {$6900.00}. 
I don't have any business with the latter two companies, so I dont know why the money was sent away without my authorization to the others by BOA 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 monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX  account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX AUTO account # XXXX 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, and 60 days in XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: PA

Complaint narrative:
To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company.

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and XXXX ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of {$250.00} via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 
The terms of this offer will expire after 30 days. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I received a call on XX/XX/2022 at XXXX from an automated caller saying that there was fraudulent activity on my CashApp account and that my CashApp account had to be closed because of it and to press 1 to connect to CashApp customer service for help recovering my account. I pressed 1 and a male answered the phone CashApp customer service and I said yes, what is your name? And he immediately started babbling like a baby. I replied with ok so whats your name or are you going to continue to pretend to be a child? And he hung up on me. 

The call showed up on my caller ID as : Spam Risk XXXX, SC XXXX ( XXXX ) XXXX I have now reported it and Im blocking the number from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 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:
I recently submitted a complaint stating that I did not give written permission for this account to be furnished on my account, and it came back that i did give written permission for them to furnish this account. It was deleted from my XXXX credit report and also my XXXX account, but it was not deleted from my Experian credit report. I'm asking once again to have this deleted from my Experian account as well because I did not give any consent for this to be furnished on my credit report. I have attatched evidence of it being removed from my other reports. 

In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: KS

Complaint narrative:
I held a credit card with BBVA Compass Bank before they were acquired by PNC. I regularly paid my bills via automatic debit. Not long after PNC acquired BBVA, my credit monitoring service alerted me that my account had been closed, but monthly payments continued to come out of my account. I called multiple times and spoke with several people to have the issue resolved, because I was still paying but my credit had dropped sharply due to my account being closed without notice. By the time someone got back to me without hanging up, I had left my job for a XXXX XXXX and was no longer earning an income. I spoke to an agent who informed me that due to my new financial position, I could pay no interest for a year and after a year, my interest payment would be lowered from 29 % to 4 %. I was told that someone else would reach out to me once everything was set up. I also authorized PNC to continue to debit my account for the monthly payments with the newly lowered interest. Not only did I never hear back from anyone, PNC reported my account as a charge-off. Because of this, I was denied the XXXX XXXX XXXX that I received last year and am having extreme hardship financing my education. I understand that many business are short staffed during this time, however as a young XXXX XXXX XXXX I feel as if my account was purposefully closed because it wasn't as valuable to PNC and this has put me in a difficult position, and this very negative mark on my credit will affect me later on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TN

Complaint narrative:
Card showed a balance of {$280.00} when the balance was supposed to come out automatically as told to me by the tellers at the bank. It didnt and dropped my credit score XXXX points. Balance is now paid.

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