vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the XXXX  data  breach  and may have gotten 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 explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
Square merchant services terminated our account on XX/XX/2021. We are one of the largest marketplaces for XXXX and hemp-derived products on the Internet. 

They did not give any reason or elaboration. The fact that 90 % + of the brands on our site also use Square, and none have been terminated is very concerning. This is a clear case of prejudice and targeting one company over others. We believe we have been targeted or it's a case of prejudice  from people inside Square. 

If we can not take payments, we will not be able to pay our operational costs. Square did not even give us time to find another solution. It's unreasonable and unwarranted behavior, especially in a time when millions of Americans are suffering because of the Pandemic. 

We are in full compliance with federal and state regulations. We have a refund rate of less than 1 % and a 0 % chargeback rate, so we are not a risky account. This action by Square is extremely suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AK

Complaint narrative:
Ability Recovery Service is still reporting that I owe {$360.00} to them. I have done all my research and the so called debt was with XXXX XXXX, which I paid in the amount of {$260.00} as my final payment for the semester. I have provided receipts, bank documents and a letter from XXXX XXXX saying it was paid in full. So, my complaint is now against XXXX XXXX, Ability Recovery, and XXXX because they are allowing this to continue. Other credit reporting agencies show this closed and are no longer reporting, which is correct and accurate. Why XXXX continues to allow it is UNFAIR and ILLEGAL.

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 2021-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have requested the Navient which is my Student loan company on XX/XX/2020 for the Deferment application and all of the payments, the Balance of Statements, and the term of my students loan from the beginning of the loan. I have requested the Navient sending all of the documents to my mailings address, but they are not sending any information to my mailings address. 
I had called them requested for the Deferment application sending it to my Mails address, but the loan processor sent me the wrong application to my Email, and they are keeping asking me, Email harassing me every week that I have to return my electronic E-Signature back to them. I am not sending back my E-Signature to them for the difference application, because I am still waiting for them sending the documents to my Mail. They are also changed my loans term interest rate and charged for the applications fees, raised up the monthlys payments amount. They are lied, cheated and deceptive without my requested and my approval for any change of my loans term in the past. They are not doing as the same what they are saying and as stated in their letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: PA

Complaint narrative:
We transferred {$4400.00} via ACH transfer from Bank of America to XXXX XXXX located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( BOA ) to amend the request and correct account number. I contacted immediately to BOA customer care and they said we can't do anything except sending recall request for ACh transfer. We tried to contact multiple times to XXXX XXXX and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between XXXX and bank of America. Till now we made more than 20-25 calls to bank of America and XXXX. Really really bad experience ....!! I would never ever make any ACH transfer to this bank.

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 2021-01-21 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this letter in order to inform you officially about violation of my rights by reporting inaccurate data in my credit report. 
The listed items are completely inaccurate and incomplete and it is a very serious error in reporting. I am writing this letter regarding unknown accounts below that suddenly from nowhere appeared in my credit report! Please take a look and make investigation as I do not not now the origins of these unknown items for me. I do not recognize these accounts and they are not mine .... Moreover, all of them are so visible in my report profile that I simply can not move on in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
This company has been harassing me for weeks. REpeated calls, texts, threats about getting an attorney. I have asked them to stop contacting me and i received a phone call about me asking them to stop calling me. 

I have also told them if they didn't stop i would be reporting them to CFPB and they called me about that. 

They call from multiple numbers and the texts and calls continue to tell me they have my social security number and documents and to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
A credit inquiry from Synchrony Bank credit card appears on my XXXX report as made in XX/XX/XXXX. The application for credit was NOT processed, as Synchrony could match my information to my credit report. After a number of phone calls, I was finally able to sort it out with a representative of Synchrony 's Fraud Department ( XXXX, North Carolina location, phone call on XX/XX/XXXX ), who confirmed that the initial processing of my data was done in error. Since by that time my experience with Synchrony showed that the bank 's staff was incompetent and unpleasant, XXXX and I agreed that there would not be further action taken on my application. XXXX also assured me that no inquiry would appear on my credit report. 

In XX/XX/XXXX, I discovered that, contrary to XXXX XXXX assurances, there is a hard inquiry on my credit report. Further discussions with Synchrony Fraud Dept ( phone calls on XX/XX/XXXX, XXXX, then XXXX, account manager ) were unproductive. The bank refuses to to consider the absurdity of claiming, via its official letter, that they couldn't identify me via my SSN and other personal information from my credit report, at the same insisting their placing a hard inquiry on it is a legitimate practice.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are alleged accounts and bankruptcy showing on my credit report that I don not recognize Pursuant FCRA 623 I am demanding that they be 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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
We transferred {$4400.00} via ACH transfer from XXXX  XXXX XXXX to Citi bank located in New York on XXXX XXXX. This was a payment to XXXX. It turned out that by mistake we added extra XXXX  in account number that is why money didn't go through and held in the middle. XXXX confirm that they can see the money but because the account number is different they want us to contact my bank ( XXXX ) to amend the request and correct account number. I contacted immediately to XXXX customer care and they said we can't do anything except sending recall request for ACh transfer. I called every day to check the status but XXXX always informed that it can take upto 45 days for citi bank to respond. We tried to contact multiple times to citi bank and they are saying either ask your bank to file dispute or ask your recipient to call them. Problem is there is no real recipient as wrong account number we sent money is not exist in real. Now its been almost 3 month and I still do not have status on my money. I don't even know if I receive it back. We are circling back and forth between citi and XXXX XXXX XXXX. Till now we made more than 20-25 calls to XXXX  XXXX XXXX and citi. 

Today I called XXXX XXXX XXXX and they are saying Citi replied back that they can not reverse the transaction. 

I don't understand, why can't they reverse the transaction? why it's been holding from almost last 3 months? 

Really really bad experience ....!! I

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 2021-01-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I am a long customer of Bank of America for over 15 years. I have a personal checking account, as well as a XXXX XXXX checking account with them. On XX/XX/2021, I tried using my personal credit card to make a small purchase, it was declined. Then I tried using my XXXX credit card, it was also declined. It I know I have sufficient credit line in both of my cards so I contacted them immediately to see what the problem was. I later found out that Bank of America closed my account, and they are not able to tell me the exact reason but just due to " business decisions ''. I respect their final decision and I plan to go to another bank, but one thing that I find extremely unfair is that they are forfeiting all my credit card reward points that I've been saving and accumulating over the years. The reason why I use these credit cards in the first place is because of the benefits from the reward points. I have {$1300.00} to redeem on my personal credit card, and {$68.00} on my XXXX credit card. It is not a small amount. I understand they can close my account anytime they wish, but the points should be at least rewarded to me for the times that my account was open and in good standing. I've never missed any payment for my credit card accounts.

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 2021-01-21 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My XXXX Consumer Report View/Soft Inquiries of American Express reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. 
There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. 
In XXXX, I got all caught up on my payments. 
XXXX hit and COVID hit. 
I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. 
I paid everything up in XXXX when I got my unemployment. 
I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. 
I have since paid everything up and made my payments on time. 
I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. 
And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation