vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been attempting to re-structure and settle debt that I have had difficulty managing. In late XXXX, I called Bank of America 's collections department to discuss hardship programs as an option. ( XXXX ). I have since made XXXX more calls to this dept. and discussed various options and in XXXX was offered a plan that would close the account and reduce the interest to 2.25 % and a payment of $ XXXX for a term of XXXX  months. At the time I did not accept the offer, still looking at my total financial picture to decide the best option. 
I called again in XXXX and again in XXXX, on XX/XX/XXXX and then again today XX/XX/XXXX. On XX/XX/XXXX, I was able to make an arrangement on another account, ending in XXXX to settle the account. On XX/XX/XXXX, I also inquired about my XXXX credit card, which ends in XXXX. Again, in previous calls regarding the card ending in XXXX, I was given different options, XXXX of which was for $ XXXX x XXXX  XXXX 2.25 % and another which was $ XXXX for XXXX  months @ 5 %. Today when I called I was told there was no option but credit counseling, through a company referred by Bank of America, which is named XXXX XXXX XXXX. I contacted them at that time ( I believe the first time I reached out to them was in XXXX ). I have since been in contact with them again, went through the entire process and was told by them that they get no better offers ( typically ) than I could work on myself and the person I dealt with told me he thought my best option was to work directly with the bank, thus saving the set up fee and monthly fee charged by XXXX. ( {$33.00} set up and $ XXXX ). Over a period of XXXX  months, this would total {$1500.00}. So today, Bank of America told me that on the account ending in XXXX ( it is current as of XX/XX/2023 ) that my ONLY option is debt management. Meaning, the only hardship offer for me is to pay {$1500.00} to settle the account. I have XXXX issues with this. 
XXXX. Today, XX/XX/XXXX, I was able to close and settle the other account, ( ending in XXXX ) for a reduced interest rate and auto payments from my checking account. 
XXXX. Being left with no option but the one that would cost me another {$1500.00}, making it seem as if Bank of America is forcing me to pay this money to a XXXX party in order to settle the account. If XXXX is able to negotiate some settlement with a reduced interest rate, close the account and pay off the entire balance within XXXX  months, why is that option not offered to me. It is inherently unfair and coercive.

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 2023-03-27 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: MO

Complaint narrative:
On XXXX XXXX sent me this letter, ( included here ). I've sent this SAME letter to Experian twice before. This shows them that an account is on my report that is not mine. XXXX  CAN NOT locate an account that is mine in their database!!! 
I can not send them VIN numbers, contracts As I DO NOT HAVE THEM!! This is not my account!!

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 2023-03-27 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: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have attempted to dispute this account multiple times. I have never had a account with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
THERE ARE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-27 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2023-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
An aquaintence named XXXX XXXX had posted on XXXX  that he was having a moving sale and was selling a refridgerator. When I asked about the refridgerater on XX/XX/23 he messaged me from the same account. He said he could hold the fridge until Sat with a deposit of XXXX. I agreed and cashapped the money to what he said was his cashapp account. 

Later, I asked if he could deliver and he said yes, but there was a XXXX delivery fee. I agreed and sent XXXX. 

After a few hours, I start getting notifications that XXXX XXXXXXXX XXXX XXXX  acccount was hacked and other people had been scammed they same way by who ever was pretending to be him stating they were having a moving sale and he would hold and deliver the items for a deposit and delivery fee. 
I reported the account and XXXX  took it down. I contacted cashapp support who advised they can not help me with a fraudulent charge. I advised the person was hacked into someone elses XXXX  account and pretending to have a moving sale yet they say they can only ask the theif to send the money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: NY

Complaint narrative:
I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

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 2023-03-27 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: NY

Complaint narrative:
I am writing to let you know that your company is reporting inaccurate credit information on my credit report. Accordingly, I request that the following information be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX Account ( date opened : XX/XX/2018 ) ending in account # XXXX, is being reported incorrectly. I have never had account with XXXX for solar panels. This was my fathers account that he opened in XXXX of XXXX. I have and always had nothing to do with this debt/ account. I was only XXXX XXXX XXXX when my father opened this account and had no job or ability to co-sign on this loan ( or need to sign on this loan ). The sales rep for solar panels took the unauthorized, unilateral, fraudulent and ( horrid ) liberty to add me as a co-signer to the account, even though I never provided my consent to sign this. Never has any paper work been explained to me. Since this happened, I have explained the situation to the solar panel company, and it subsequently fired the sales representative for fraudulently signing the document on my behalf. This was solely my fathers account, which has been personally discharged through XXXX  XXXX bankruptcy. The company told me that the inaccurate inclusion of this account on my credit reports would be fixed, however, and disappointingly, this account has remained on my credit report and is causing my credit score to suffer. Please delete this entire account as it is not mine, and also delete any inaccurate late notations, from my credit report. 
As I am sure you are aware, and as demonstrated above, furnishers are not a reliable source for information, therefore, please conduct your own investigation into my dispute. I thank you for your understanding this matter and I look forward to your favorable consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: MO

Complaint narrative:
I purchased a XXXX  XXXX  gift card which is distributed and serviced by Incomm Financial Services - from XXXX. I did not even open up the card yet after loading {$200.00} onto the card to pay a bill, and I only had {$1.00} left- just enough to purchase a cheeseburger at XXXX 's when I visited it a few days after purchasing the card and not even opening it yet. I noticed upon logging in to my account that all of my funds had been spent in an entirely different state. I contacted the card services which told me that the transactions were pending and would not be pushed thorugh. That I could call back in 7 days to receive my funds back on a new card after those transactions had bounce. They locked the card, yet the trasactions did go through and now I am completely out of the funds that I need to remain in my housing unit. They said that I may be able to regain some funds in 90 days which is also too long for something that was not my fault. Working in IT and cybersecurity, this is not an acceptable way to handle this customer service situation. It is unfathomable since I am also on social security. Finally it is unacceptable because of them promising to do one thing then doing something else entirely different. They left me feeling betrayed and without any support. It was also a wait time of over 30 minutes to get someone on the phone the first time. Upon asking for a supervisor, I was hung up on. I have heard other such stories like this about XXXX, and it is just unfortunate that because of their support, that I can not buy food this month for my family. I am therefore posting this complaint about their overall service, customer support, and poor policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: Cascade CISS Holdings, LLC
State: PA

Complaint narrative:
I was made aware 20 minutes ago that Credit Plus XXXX XXXX  XXXX XXXX XXXX XXXXXXXX pulled a hard pull on my consumer files. I did not authorize this company to authorize any pulling. I dont even know who this company is XXXX I am dealing with brokers in Pennsylvania and I stated Soft pull only to everyone. 

This is 100 % unauthorized and I demand it removed immediately or I will sue according to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: GA

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm filing a complaint against Equifax for reporting inaccurate information on my credit report. They reported that I have a late payment on XXXX XXXX XXXX in XXXX, XXXX when I have paid the account off on XX/XX/XXXX, This is my first step to taking this matter seriously because it seems to be getting ignored again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: VA

Complaint narrative:
Please be formally inform of the wrongly reported accounts I have indicated below. These accounts and inquiries are destroying my credit reputation. The account listed below are not mine. I have no idea why they were listed to my credit report. I surely believe that this is a FRAUD or either somebody with the similar name. This is my FTC Report Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
My XXXX balance paid off XXXX card had a fraudulent cash advance in XXXX and XXXX of XXXX. This charge was done online by stealing my login, my physical address, email and phone number were changed on the account so I was not notified. The person tried to pay off the charge with my linked bank account and this was when I was notified as I did not have the funds in my bank account. I reported this with XXXX XXXX  and they told me all was determined fraud. I was told by XXXX that since my address was changed and I flagged and closed the account they could not send me this determination of fraud in writing. 
The fraudulent {$9600.00} {$9000.00} principal {$450.00} interest {$170.00} fees I was also told by XXXX that the fraudulent party opened a checking bank account under my social linking the accounts on line. They closed all these accounts after I alerted them. 
XXXX XXXX then sold my account to a debt collector in XX/XX/XXXX to Midland credit management. They did this after they told me I had no responsibility to the charges and it was all marked fraud. 
I do not have the statements that were fraudulent as my contact info was all changed. The address they altered is a XXXX XXXX dollar home, and not mine. I live in a lower income dead restricted address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
MARCUS FROM GOLDMAN SACHS DELAYING ON MAKING A TRANSFER OUT FROM SAVINGS ACCOUNT Having opened a savings account with Marcus from Goldman Sachs without any fixed-term deposit periods, I attempted to transfer money out to my different institution checking account after close to 3 months. 
The first transfer request of {$3000.00} was made on XX/XX/XXXX through online banking with a 1-3 business day wait. 
This transfer was reversed on XX/XX/XXXX, but without any notification. 
Logging on on XX/XX/XXXX, seeing it was reversed I used the online " chat '' function to learn the error was mine, I had initiated a transfer to an account that I had closed. 
On XX/XX/XXXX, I linked a new external account to Marcus ( my personal checking account with the same external institution as prior ) initiated a transfer request for {$4000.00}. 
On XX/XX/XXXX, I received a phone call from an agent at Marcus, who wanted to know before she could authorize the transfer, what my savings goals were, and what the funds were being used for ( purchase, vacation ), as I had not had the account open for very long. This was not a money laundering security question. The agent confirmed the transfer and that it would take 1-3 business days. 
On XX/XX/XXXX, noticing the funds were not in the external institution account, I checked on the transfer by logging in to Marcus and saw that the transfer had been reversed on XX/XX/XXXX without explanation. I used the online chat function to be told I needed to call. I called Marcus, and it took the agent 45 minutes to ascertain that the transfer had not been initiated because my account needed a review, which could take 2-3 business days. If I had not heard from them in that time to give a call back. At this point it just appeared that Marcus did not want to make the transfer. Alternatively, the agent said she could send a check that could take 7-10 business days to arrive. I did not trust the institution to do this, but it appeared to be another delaying tactic for making the transfer. 
However, on this same call of XX/XX/XXXX, I therefore asked for the account to be closed. I was told that the account will be closed today, and a check with interest would be issued and take 7-10 business days to arrive. I have not, as yet, receive any notification by email that the account has been closed, and it is still available to me online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I submitted a XXXX  employment certification form on XX/XX/2022 to Mohela. Recently, the status of the document changed from processing to " duplicate form '', yet my eligible XXXX  count was not updated to reflect the months that would have been covered through the form. I received no notice from Mohela about why that was so I had to contact them only to be told that the application was actually denied and not a " duplicate '' because the signature used was electronic and not hand written. I work XXXX  and so does my employer, so obtaining a hand written signature is both logistically complicated and tedious. My previous loan servicer had no such requirement nor does Mohela communicate this requirement outright to borrowers when filling out the form. This seems to be purposefully complicating the process and Mohela should be practicing the same standards as other loan services, otherwise, they are purposefully making it so borrowers are less able to obtain forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This company ( Midland Credit Management ) keeps contacting me at all hours of the day every day of the week even though I am not the person they are looking for. I have recieved over 100 calls relating to the person and I have told them every time that the person they're looking for is. Ot at my phone number. I have blocked the phone numbers used by this company several times and they call back with different one looking for the same person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This was paid in full by XXXX XXXX Claim and XXXX XXXX XXXX. The collection company XXXX XXXX placed a new collection on my credit report as if I opened an account. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation