vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/2022 I called Bank of America ( BoA ) to close my online checking account ending in XXXX. I was told that I could not close the account unless it had a {$0.00} balance. I was further told that to bring my balance ( {$2000.00} ) to zero I needed to transfer the balance to another account. When I inquired about charges for doing so I was told that I was allowed 3 free transfers per month. When I tried to transfer the balance out of the Bank of America account I was presented with several options none of which being free! I then used the free transfer tool of the to bank ( XXXX ) to request the transfer. 
On XX/XX/2022 having checked that the balance had transferred, I called again BoA to close the account. I was told that I could not close the account as it now had a negative balance of - {$12.00} resulting from a low balance fee of {$12.00}! I said that I did not feel I should pay this fee as I had followed the instructions given to me on XX/XX/2022. I was told that the employee to whom I spoke would file a claim to have the {$12.00} fee waived and that I should hear about the claim within 3-4 business days. 
Having not had any communication from BoA I called again today XX/XX/2022. I was told that the claim had been denied. I asked for some proof that such a claim had been made and denied, I was told it was not possible and was given the option to talk to a manager which I chose. After hearing my explanations he told me that there was no claim process to waive a fee only a request could be made! When I asked him how I could have brought my balance to {$0.00} on XX/XX/XXXX he could not give me an answer. 
I feel this is a typical " catch 22 '' situation and that it would more honest if BoA called the fee an account closing fee. 
I do not intend to pay the fraudulent fee but would like to have the account closed.

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 2022-04-01 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AL

Complaint narrative:
In correspondence with FCRA, XXXX and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2022-04-01 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: AL

Complaint narrative:
In correspondence with FCRA, Experian and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove

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 2022-04-01 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XXXX XXXX, 2022, Ally Bank instituted CoverDraft for checking accounts. CoverDraft is where they cover overdrafts, up to {$100.00}. It's a feature we've automatically added to Ally Bank Interest Checking Accounts. 

When CoverDraft is used to cover a transaction, you receive a notification from Ally with the transaction information, and a message saying that we typically don't let you make purchases or withdraw money from your account if it stays negative for 14 calendar days. 

My account was overdrawn on Wednesday, XX/XX/2022. I received an email from Ally that stated : We'll never charge you an overdraft fee, but you'll have to deposit or transfer {$50.00} to get your account out of the negative. 

Immediately after that message, I received an email stating my account had been deactivated and that a deposit would be required to reactivate the account. 

On XX/XX/2022, I received a {$150.00} direct deposit. My account remains deactivated and Ally Bank has yet to reactivate my account and has left me without access to my funds. 

Ally Banks CoverDraft is not only an inaccurate, ineptly unfairly applied policy, it is fraud.

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 2022-04-01 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:
I have a HELOC with Bank of the West and have been unable to repay the HELOC due to an inability to transfer funds from an external bank account to Bank of the West. The external transfer process on Bank of the West 's website is completely blank. There is no ability to even try to initiate a transfer. Without this ability, I'm unable to paydown my HELOC and am incurring interest that I should not be responsible for as it's due to a failure by the bank to enable a paydown. 

I tried calling the bank on XX/XX/22 and was stuck on hold for over 2 hours with no response from the 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 non-monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has closed my account for no reason on XX/XX/2022, and is not helping me with getting it back up and going. I'm not sure if this is a mistake but I assume it must be. I have not been able to get any help from them but I realized I could file a report here since I feel they are not doing their job properly and it is affecting me a great deal since I use PayPal very frequently. Also my balance is being held for six months, a total of {$81000.00}. The email linked to my PayPal account is XXXX. They state that my account was banned because of potential risk, however we have a .33 % chargeback rate ( 47 chargebacks out of XXXX transactions ), so this surely can't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
Hi, I was a member of BB & T Bank, but the bank was taken over by Truist Bank. 

A credit account named " Constant Credit '' was created without my knowledge by Truist Bank, with a credit line of {$500.00} last year ( XXXX ). 

I have paid these debts and fees as of XX/XX/XXXX. I have attached the credit reports via XXXX proving so. 

I am still receiving calls for debt collection and additional fees, and late fees. 

The payments shown on the XXXX credit reports also show I have overpaid the debt amount. 

Please help, XXXX XXXX ( XXXX ) 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 2022-04-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Incorrect name and addresses are listed.

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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.

Complaint narrative:
Good afternoon, On XX/XX/2021, I went to XXXX with my 2 friends. At the moment, when we did self checkout an XXXX employee asked me if I want to get XXXX 's points card ( he did not mentioned at all that it was a master card ). And, I agreed to get it as back home ( XXXX ) we always used points cards. But, I never received this " points card '' neither the " XXXX XXXX XXXX I also do not live at that address anymore. So, I don't know if someone else took it and used it on my behalf or I have no clue what happened. After a few months I went to check if I had any letter on my name at the previous address and there I found a letter from XXXX that was saying I have to pay a amount of {$3500.00}. It is a huge shock and amount for me that I have never used. 

I called various times to the XXXX customer care and XXXX XXXX  agent but they always told me they don't have anything under my name. But, now that I wanted to buy a care I came to know that I have to check my credit score, I found it to be very low. I called Equifax and dispute the credit that did not belong to me. But, it was not helpful. 

I have never used this XXXX XXXX and don't even had it. 
Please help me in this regard. 
Thank you Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Creditor : Best Buy Credit Card Services To whom it may concern : This bill was paid off using two cash payments inside the XXXX, XXXX XXXX, at the front register. I made a payment of {$150.00} on XX/XX/XXXX and the second payment of {$170.00}, was paid on XX/XX/XXXX. I contacted customer service via the in store telephone to receive the final payment amount. This call was placed directly in front of the employee which received the payment. I requested a paid in full letter and this information be reported to the all credit bureaus. The phone representative stated the paid off letter would be mailed. In XXXX, in lieu of a letter stating the bill was paid in full, I received an invoice of {$40.00} which was a late fee. Every month after I continued to receive a late fee. To date the bill is {$140.00} which are all late fees. In XXXX, I wrote the merchant requesting they correct this error and send me a paid off letter. The merchant has not corrected their error and receipts which showed paid off was attached. The last representative I spoken to stated they received my written correspondence but did not received the two receipts that were stapled to the letter; Please investigate and research this matter as this was the first time that I have incurred such inaccuraties, in the year XXXX, and repeated blatant lack of service. By their telephone representatives. They would asked for three pieces of personal information and then transfer me to two more phone representatives who would ask the same information than state they could not help me and/or they could not find the documents submitted. Please investigate and correspond as I feel like their was possible fraudulent activities that were being committed. I can be reached via email at XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX. 
Please review my telephone conversations as they stated that I was on a recorded line.

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 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Mortgage company increased escrow amount for annual taxes. They made the mistake of increasing tax payment to state of WI by 50 %. XXXX taxes had been paid in full and we received a {$110.00} payment for escrow overages. 

XXXX 2nd phone call to let them know they made a mistake. Talked to XXXX the escalations manager Emailed them XXXX tax bill Was notified via email they would investigate. 10 biz days to investigate and would receive a letter in an additional 10 business days of their findings. No letter arrived. I emailed multiple times with no response. Talk to an agent on XX/XX/XXXX that I should hear something by the end of the week. Its now a full a week later and still no resolution. They are mismanaging money and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I mus add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how unaccurate the data-furnished could be! I've also mark with a red X the late payments this company is also reporting that are also unaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/2022 I received a deposit in my navy federal checking account via a XXXX transfer in the amount of {$300.00}. The following day XX/XX/2022 navy federal violated the Electronic Funds Transfer Act, by conducting an unauthorized charge to my checking account, in the amount of - {$250.00} for a checking line of credit, and another charge, - {$50.00} for a charged off credit card which is currently in dispute. 

The checking line of credit is currently a {$0.00} balance, as proven by the data navy federal has furnished to my XXXX and XXXX credit report. Furthermore it is notated as closed, paid, and current. On my credit report. Navy federal MUST have furnished this info to the Credit reporting agencies, Im sure XXXX XXXX XXXX didnt randomly come up with this info. 

Be advised Navy Federal Credit Union, legal action very well may arise from the actions you have chosen to proceed with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX on XXXX and account # XXXX on Experian ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # 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 explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SUN WEST MORTGAGE COMPANY, INC.
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FCRA XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602A I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

XXXX ACCT # XXXX {$470.00} EQUIPMENT WAS RETURNED AFTER MOVING OUT OF STATE, XXXX SAYS DIDN'T RECEIVE. REQUESTED THEY RUN CAMERA SURVEILLANCE AND THEY DENIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Incorrect name and addresses are listed.

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 2022-04-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Incorrect name and addresses are listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief