vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The credit card opening terms promised a % XXXX interest rate on purchases good for 9 months. Although the statement itself does state so our purchase is showing as due in full. 

We had spoken via phone to the company and they had promised to reach out to us with a resolution. However, we had never heard back from them as promised.

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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Hi, I am client of XXXXXXXX XXXX XXXXXXXX ( Headquarters ), XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. I have made request XXXXXXXX XXXX  to transfer {$11000.00} to my bank account in XXXX to CLOSED JOINT-STOCK COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX. This transfer was made XXXX XXXX XXXX. 
And still I havent my money. 
Corresponding bank for this transaction in CITIBANK NY. And as XXXXXXXX XXXX said CITIBANK NY block this transfer, because of sanction. But XXXX XXXX not in sunction list and i think it illigal. Also i be informed by XXXX that CITIBANK NY closed XXXX Corresponding account XXXX Afte that i reqvrsted geting back my mony to the sender bank but its had not happend yet.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
i was scammed on XX/XX/22 to transfer {$1000.00} to a scammer through XXXX. I was under the impression i was posting a bond payment, but it turned out that it was a scam. I did contact my bank USAA right after I realized i was a victim of scam, but they are refusing to refund the amount. some of the facts : - amount {$1000.00} - i did not transfer funds willingly as i was scammed/coerced to do so- i did attempt to retrieve the funds through my bank USAA, but they refuse to do so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
Issue related to a wire transfer with the company Revolut XXXX. 

XX/XX/2022 : Wire transfer of {$240000.00} made to Revolut. 
XX/XX/2022 : Revolut rejects the funds and claims to have wired them back. 
Multiple attempts were made to obtain a tracking number for the allegedly returned wire transfer and after a week of constantly reaching out to support they have been unable to provide the whereabouts of these funds. 
XX/XX/2022 The funds are still not accounted for.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AK

Complaint narrative:
My state taxes was not paid and I got a letter stating its past due with fees.

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 2022-10-25 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal credit card, care credit and XXXX where opened in XXXX without my consent and I didnt know about this.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On my report there is a credit card I did not recognize. I called the company months ago. They verified the debt saying I did open the account and would help no further. After multiple attempts to fix this they continued to say I owed XXXX XXXX Finally I asked them to remove it if I just paid the debt, that I didn't want it on my credit. They refused. They told me they would only report it paid off, it now shows a XXXX balance but still as charged off and not paid off just closed charge off. This was done in XX/XX/XXXX they are still reporting this as a late payment every month both XXXX and XX/XX/XXXX. I want this off my credit. It is through XXXX XXXX XXXX  open date was XX/XX/XXXX. Last Status change date was XX/XX/XXXX. This is harmful and irresponsible of their company to continue to harass my credit. I never authorized this card to start with and assumed if I just ate the cost it would be worth it to have it 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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
With Chime my accounts were in good standing with about XXXX in checking and over XXXX in savings at XXXX they shut down my account with out any explanation. These monies are used to pay my living expenses and my XXXX treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I have never opened that account it is fraud and i report it and they do nothing

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 2022-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WA

Complaint narrative:
As part of the XXXX administration student loan debt relief program, borrowers are entitled to a refund of payments made during the COVID forbearence period. Borrowers were entitled to ask for a specified dollar refund amount or 100 % of their payments. 

During the COVID Pandemic I continued to pay for student debt to a total of {$19000.00}. On XX/XX/22 I requested my student loan servicer Nelnet to process a refund of only {$6000.00} in order to maximize XXXX 's {$10000.00} student debt relief plan. 

Nelnet by accident refunded the total of {$19000.00} by mistake and added that debt back to my remaining balance of {$4000.00} to equal {$23000.00}. This error exposes to me a higher principal and therefore higher interest if I do not receive the refunds by repayment period. 

On XX/XX/22, I discovered this error and requested Nelnet to back out their error, but they stated that although it was their mistake they couldn't back out the error. I asked for documentation of my past payments and accounting to document the error and they refused to provide me any documentation related to my financial information. I explained that due to their error, I now am exposed to higher payments and interest and that this is against the law and unfair lending practices. I also asked for documentation and tracking of where my incorrect refund of {$19000.00} vs {$6000.00} is and they stated they do not know. 

Being that Nelnet is one of the nation 's largest student loan servicers, all of their lenders were exposed to this internal glitch they recognized, but not willing to fix. This is unfair lending and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Charged me on a small expense account checking account. over {$1700.00} in OD fees. Charged me ridiculous charges + $ XXXX daily for XXXX consecutive days during a time where I was hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
I made XXXX transfers with Wise business account on XX/XX/2022 totaling about {$20000.00}. They were both denied by the recipient 's bank in XXXX and I was alerted by my vendor ( the recipient ). I immediately reported this to Wise and they have been playing games with me for more than 6 months now. 

XXXX of the transfers has been found and successfully returned to me but the second one they have lost or stolen and now their customer service is not responding to me either via chat or XXXX XXXX. 

I've attached a copy of our email chain and all their responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting XXXX XXXX account XXXX to be deleted via Transunion 's Early Exclusion rule as it's within the 6 month window of deletion as my first missed payment was XX/XX/2016.

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My XXXX XXXX XXXX XXXX are not showing credit balances : the last XXXX digits as follows : XXXX XXXX balance ( still carries a balance and about to close it with O balance ) XXXX -- XXXX balance ( -- XXXX ) Platinum ... XXXX ending in ... XXXX XXXX CURRENT BALANCE : - {$34.00} CURRENT BALANCE View Account Platinum ... XXXX ending in ... XXXX {$0.00} XXXX CURRENT BALANCE : {$0.00} CURRENT BALANCE View 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 2022-10-25 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: NJ

Complaint narrative:
I could not get a rep on the phone that could tell me why the inquiry was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

Care Credit ( Synchrony Bank aka PayPal ) XXXX XXXX ( Personal Cards showing on Credit Report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX. They did not provide me with the original contract like I asked.

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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I sent a transfer XX/XX/XXXX was expected to receive the transfer XX/XX/XXXX but today is XX/XX/XXXX and I didnt receive my transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following credit cards do NOT show accurate information and are not reporting timely or should be virtual reporting .... or Credit Bureaus are not updating. 

XXXX XXXX XXXX XXXXXXXX XXXX aka XXXX ) XXXX XXXX ( Personal Cards showing on Credit Report )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I have an FHA loan that currently has escrow that includes a Mortgage Insurance Premium and I have requested that it be removed. My current loan balance is {$330000.00} and I have a 3.25 % fixed interest rate. I have not received a formal appraisal but neighborhood comps list my property value at {$510000.00}. The loan servicing company, PennyMac tells me that even with an appraisal, I must pay FHA Mortgage Insurance Premium for the full 30-years unless I refinance. To refinance would cost me more in the long run and I do not see this as beneficial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NC

Complaint narrative:
XXXX  my social and driver license was stolen as a result the individual used my personal information to obtain a property and rent a vehicle causing me to be arrested and charged for a crime I didnt do. I was unable to work and finally got the charges dismissed but the rental company was unable to provide specific information about the person who rented and how they were able to pass requirements to rent without verifying information. I noticed in XXXX they are some accounts in other states and I have never lived anywhere but XXXX nc. I need help with getting this creditors removed and getting my identity back. Earlier this year they used my name to obtain a temp job and I want to know how they have a valid identification card in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
Fraud accounts appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account for Experian accounts is # XXXX, which 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 Reported to the Credit bureaus as 6 hard inquiries that impacted my credit score from XXXX XXXX, XXXX XXXX on the date XX/XX/XXXX, and XXXX XXXX XXXX in which was XX/XX/XXXX and also from the same company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX and the date of inquiry XX/XX/XXXX. I noticed a total of three unauthorized hard credit checks by XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Another company unauthorized pulled my credit known as XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) marked a negative inquiry affecting my credit score. Next, a company called XXXX  XXXXXXXX XXXX XXXX unauthorized checked my credit. Also, XXXX XXXX in which the date of inquiry was XX/XX/XXXX, XXXX  XXXX, the inquiry date was XX/XX/XXXX, and XXXX XXXX XXXX  XXXX, the inquiry date was XXXX and XXXX XXXX, XXXX XXXX the hard inquiry date was XX/XX/XXXX. XXXX XXXX XXXX  and XXXX are unrecognized credit companies to access my credit report for this reason. A recent company that goes by XXXX XXXX, XXXX XXXX reported a hard inquiry on XX/XX/XXXX. Inaccurate information was disclosed by the employee when gathering my information for the credit card application. I was told it would be a soft inquiry. The employee authorized permission to give his phone number which is XXXX dispute confirmation number provided by XXXX is XXXX. For all the hard inquiries mentioned above, I didn't give the companies authorized to access my credit report for this reason. All 6 hard inquiries from the companies have been reported as a dispute and submitted to the credit bureaus. I've contacted all the credit bureaus and credit reporting agencies pior to submitting this claim The dispute confirmation number is 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 non-monetary relief
Consumer complaint received 2022-10-25 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
I hired XXXX XXXX XXXX to move my belongings from XXXX  to XXXX  in XXXX of XXXX. When my belongings were shipped the container leaked. I received them in XXXX of XXXX and notified XXXX XXXX XXXX when I noticed the damage. They had me fill out a form and take pictures. The claim process took 90 days and it was denied because I didnt take pictures of the containers they were shipped in, which were already off of my property by the time I noticed the damage after unpacking. I called my credit card at that point and asked to file a dispute on a portion of the charge due to not receiving my property in the same condition it was shipped in. The phone rep put me on hold while she talked to someone else then came back on the line and told me I could not file a dispute because I still received all of my belongings. I dont feel I should have to pay for a service where I paid {$7000.00} to have everything I own shipped across the country to have multiple things I own have water damage. If a customer wants to file a dispute on a charge they should be allowed. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
Fruad Accounts Appearing on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: PA

Complaint narrative:
Fruad Accounts Appearing on report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief