vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
On XX/XX/2023 I made a complaint and requested specific detailed information such as the wet signature contract and methods of payment to prove that this is not my debt and I still HAVE NOT RECEIVED them. 
I have reached out to this company several times to let them know that these accounts are the result of identity theft. My request have continued to be ignored over 8 months now.The documents that were attached to this complaint by them prove that these accounts are fraudulent. My name is incorrect as well as the address, there is no wet signature or any form of evidence proving this belongs to me besides the fact that someone used my personal information. If this company has done a thorough investigation as they say they have then please provide that evidence because right now I dont see anything legitimate that makes this debt mine. I have never had an account with XXXX.I demand that these accounts be closed and disassociated from my name and removed from my credit reports or I will be forced to take a more serious legal action Sincerely, 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 2023-03-29 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have two debts on my credit report that are not from me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX I made an over payment to my credit card of {$550.00}. The credit card already had a credit on it. I owed no money. According to BOA policy a customers overpaynent is entitled to a refund being transferred back to the originating account ( checking account ). I requested this refund on XX/XX/XXXX. The Rep said it would happen in one to two days. On the third day I called looking for my money, This rep said it would take 5 to 7 days for refund. On XX/XX/XXXX I called again looking for my refund. This rep said it would take 7 to 10 business days. I just called today XX/XX/XXXX again to find my refund. This rep could give no answers for delay. She did discover that my first request was deleted, a second one was opened on XX/XX/XXXX and a third request was posted on XX/XX/XXXX. So every call deleted the initial request and started a new one with another 10 day delay. So I am now waiting anther 10 business days ( two weeks ) to be refunded my money. A suspicious person would think BOA has a cash flow problem or they just never refund customers their money. 
I have been a BOA customer for 53 years and they really don't care.

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 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/2023, I submitted a claim to Bank of America concerning fruad on my debit card. my debit card was used without my authorization or knowledge on several occasions and I proceeded to submit a claim on the phone with Bank of America. I provided all information asked of me and all information that I knew. I recently had to contact the consumer finance protection agency due to Bank of America, disregarding a claim, and in turn ruling against me. After getting representation from the CFPB, Bank of America immediately realized it's fault, and I was provided the money from that claim. This is typical of Bank of America, not doing the research it entails in order to provide their customers with the best service. This is an exact situation like the last, and now I just found out that the dispute was closed and the money withdrawn from my account. I am now in the negative with my rent due, and absolutely no answers to what or why they close the claim. They never reached out to me to provide any other information and just went ahead and closed the claim like they did the last. THIS IS COMPLETELY UNACCEPTABLE. AND NOW I AM HAVING MY LIVELIHOOD PUT OUT ON THE LINE DUE TO BANK OF AMERICA REVERSING THIS CLAIM. I HAVE PROVIDED SCREENSHOTS OF THE DEBITS AND THE CLAIM NUMBER. Please I need someone from Bank of America to re-open this claim and re-search it again as I do not have the means to pay my rent now. I need this credit immediately and I need an actual investigation on the claim and not just somebody passing it by like they did before. Attached are screenshots of the reversed debits on my account in the claim ID number. Please re-open this claim immediately and provide provisional credit as this investigation and ensues!!

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 2023-03-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX notified me of identity theft associated with bank of america who had sent me unsolicited credit cards -- 2 of them.

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 2023-03-29 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 — Card was charged for something you did not purchase with the card
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
A credit card that I believed to be closed years ago ended up with three charges on it, in XX/XX/XXXX. The charges were XXXX  XXXX tickets and totaled {$830.00}. Because I did not know this credit card continued to exist, I did not know there were charges on the credit card until I got an email notice from another bank stated that America First Credit Union was placing negative information on my credit report. When I went to the credit union to inquire, they could not immediately identify how I owed them money. But, after running my SSN they were able to find this old credit card. It was shown that the credit union took one payment from a joint savings account to get the credit card current and then the account continued in a past due manner ( because I did not know it existed ) until it was reported to the credit reporting agencies. 

When faced with this information about an old credit card, that should have been canceled in XXXX of XXXX, I was told by AFCU that the card had a {$16000.00} limit and that the only way to cancel the card was to pay it off. I paid it off immediately and requested it be cancelled. Since XX/XX/XXXX I have been attempting to get AFCU to investigate my fraud claims, reimburse the {$900.00} I paid to close the account and request the removal of the negative late payments from all three credit reporting agencies. I was originally told that because the charges were more than 90 days from the time of purchase, they no longer had recourse with the merchant and considered the matter closed. 

It was identified that AFCU had my current, name, phone, email address and home address on file but sent the past due notices for this credit card to a home I lived at years ago, when the card was active. I haven't lived there in 3 years. So, I did not receive their notices. 

In speaking with XXXX  XXXX, it appears those traveling on the three one way tickets purchased on XXXX on XXXX, did not have my name or that of my ex-spouse. The billing address the purchaser supplied to XXXX  XXXX was not in XXXX  or XXXX, which would have been the address on file with the credit card company. They had the same last names and traveled from XXXX on XXXX, on the airline tickets that were purchased on the old credit card that should have been cancelled in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CT

Complaint narrative:
Coinbase has wrongfully edited the name on my account to something inaccurate and offensive. I have contacted them multiple times, with valid identification, to change the name. They refuse to do it, and keep sending me in an endless circle of emails/auto-generated nonsense. 

My name was accurately reflected as of XX/XX/XXXX. I lost access to my account in early XX/XX/XXXX and I was forced to attempt to re-verify my account. This required 4-5 emails back and forth with them over a 2 weeks period XXXX. Upon successfully accessing my account, I found that they had changed my legal name on the account to the offensive and inaccurate name. I have now spent a few hours today attempting to get them to correct this, and they keep sending me endless circles. Fraudulent changing the name on a customer account is a pretty serious issue, and one that should lead to regulation of this trash company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Regional Management Corporation
State: GA

Complaint narrative:
I called and spoke with Regional Finance on XX/XX/2023. I asked the young lady the requirements and she stated you need to be employed and have at least a XXXX credit score. She never mentioned that I could not be receiving employment pay under a staffing company. She simply stated you have to be employed and have at least a XXXX credit score ( again I repeated back to her and she say yes thats all you need ) I am currently working for XXXX XXXX XXXX and currently XXXX is using this staffing company to assist with payroll and Human Resource concern. I even mentioned I can have my operational manager send over a letter or my original offer letter showing I work for XXXX. Regional Finance located in XXXX, GA refused to accept my pay documents from XXXX XXXX. All of my documents are legit and verifiable and they still refused to accept documents after my credit was pulled. Regional Finance was not transparent and upfront about not accepting pay documents from a staffing company. I checked Regional Finance website and requirements and it does not state any where in the website they dont accept staffing payroll documentation. This is a violation, and very much so discriminatory and unethical. I provided the documents required to Regional Finance. The even pulled my credit report and now I have an inquiry that shouldnt be there. The branch manager suggested that I dispute it and she would have it removed. Clear requirements need to be listed on their website and provided when calling. I am very disappointed it was a slap in my face when I clearly asked upfront before providing my information to the young lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I discovered multiple billing errors under 15 U.S Code 1666 ( b ) billing error, including the creditor 's failure to properly reflect a payment made by me and a computation error on a statement.

Despite my initial request, I have not received any hard proof from the creditor 's bank account that proves I did not pay and was marked late. Therefore, I am still adamant that these errors were purely billing errors, and I urge you to rectify them promptly.

Furthermore, I request that the following items be updated on my consumer report, as agreed As a consumer, I have the right to have these accounts updated immediately, in compliance with the law. Failure to do so may result in me seeking monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil 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 non-monetary relief
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Transform Credit Inc.
State: IL

Complaint narrative:
Transform Credit INC XXXX XXXX Michigan XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/2022 ( XXXX ) XXXX The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX did not Unauthorized report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My brother-in-law had a savings account with Kabbage, which was bought out by American Express apparently. He passed away last year without a will and I am administrator of his estate. After contacting Amex and being told what documents are needed to close the account, and given the po box to send the documents, I sent everything via certified mail twice - the first time the documents were delivered on XX/XX/XXXX, and most recently they were delivered on XX/XX/XXXX- I have a certified receipt for both deliveries, and paid to get a signature the last time. I have tried calling Amex and Corporate and have been on hold several hours and transferred around, and twice after being sent to a supervisor was hung up on. No resolution, and no help. I feel that they are trying to avoid closing out the account and paying the money owed to his estate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, I tried twice to activate XXXX XXXX and failed and a number came up for me to call help. A Tech answered and he tried and it failed and then he asked if I had logged into my XXXX account from a different location because he said that it was showing that I had just logged in in XXXX XXXX  and XXXX. I told him " no '' and he said not to worry that he could fix the problem, but that I needed to first download a XXXX XXXX XXXX and then he needed to show me that my Ip address was public and we needed to make it private. He begin navigating through my phone to my XXXX account and to my Bank accounts then he told me to go to the nearest XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX to purchase specific Gift Cards and specific amounts and it must be done quickly to show that I was indeed not in the other places that he mentioned. I questioned him, " why '' and He said that XXXX was putting the money back into my account not to worry. He needed me to stay on the phone and not hang up. After purchasing the Cards, he told me to open them up, scratch off coating, take pictures of the cards. When I got back home he activated XXXX XXXX and told me that he would call me back in about 10 mins. I waited and no call came. I called the number on my Caller ID and the number was disconnected. I called my bank and reported the Fraud and All the Funds went back into my account. I called The Crime Victims Center and they put my call through to the Senior Citizen division who advised me to file a police report and an Identity theft report with the FTC and to notify The Attorney General. I also contacted the 3 Credit Bureaus and froze my credit accts. A few days later the charges were back on my credit card account, so I called and they said that there was No Fraud. I reported to XXXX as well and called the phone numbers on the backs of the Gift Cards to do a report. I sent two letters to my Credit card Company 's Disputes Department. They say that they have a Zero-Policy for Scams! The Gift Card amounts totaled {$1900.00}. I didn't know I was being scammed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29 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: Credit Control, LLC
State: IL

Complaint narrative:
cont : I sent a packet with more detailed information. I received another email from a different collector for the same alleged debt. 
Credit Control XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX This is now the 4th company they have collecting this debt. 
I have been asking for years to provide proof of debt with my signature. The info is typed in with my name and address etc. 
Please request this be removed from all credit bureaus and please send a letter stating debt has been removed. 
Please let me know if you need anything from me. 
Thank you for your time.

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 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: GLOBAL CREDIT UNION
State: OR

Complaint narrative:
Job application fraud. I applied for a data entry position, received an email, responded, and started the interview process for 48 straight hours. I was hired, and provided a check for over {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check cleared and showed in my account balance. This company then instructed me to send {$500.00} to their vendor using XXXX XXXX. I did this, then had doubts. I called my bank, AlaskaUSA Federal Credit union and learned it was a scam. Essentially, the check for {$2100.00} will be cancelled, but only after I paid them for office equipment. I started a fraud claim with both my bank as well as XXXX and no one can help me. The bank placed the check on hold, so its not an available to spend. However they say Im not getting back the {$500.00} for office equipment. My bank also stated that they will not investigate the scammers. I want help, please! Help to catch these people and help getting my {$500.00} back. I still have the emails and the check from the fraudulent company. Please help.

Company response to consumer: Closed with explanation