vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-25 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: MD

Complaint narrative:
Bank of America has moved dates of my transactions to other days putting my account into negative. As of Friday, XX/XX/XXXX, I received my job pay. Before XXXX, my account reached a negative balance of - {$110.00}. I called and was told accounting is done after XXXX. Not sure what that had to do with my account because any transaction I did showed my current balance. Saturday morning my account was adjusted ( positive status ) and I was able to put money in my account and use my debit card. By Monday ( XX/XX/XXXX ), my account was low but not negative in the morning. By Monday ( XX/XX/XXXX ) afternoon, my account was negative- {$190.00}, showing no debit or deposit transactions for Saturday ( XX/XX/XXXX ) and Sunday ( XX/XX/XXXX ). By Tuesday ( XX/XX/XXXX ) morning my account was still negative {$190.00}, BOA has NEVER let anything clear without money to cover it! I called customer service and was given the, sorry, theres nothing we can do. I called again, Wednesday morning ( XX/XX/XXXX ) and received the same message, accept this time saying they always do their accounting at XXXX, Mon - Friday?? But all my transactions are done during the day and any changes to my account BOA does was BEFORE XXXX. When I have looked at my account since Friday, XX/XX/XXXX - XX/XX/XXXX, BOA had changed my transactions processing dates again. For an example : I sent {$10.00} thru XXXX on Monday and BOA debit from my account and I have the XXXX receipt ( XX/XX/XXXX ), it now shows it was completed as of yesterday ( XX/XX/XXXX ) .This has happened along with other transactions that BOA sent me an email saying now I need to cover the {$190.00} Bank of America is double dipping by showing in my mobile app a transaction has taken place and then changed the date and then tell me to cover it in 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 2023-01-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full 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 2023-01-25 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
All accounts with XXXX XXXX  have been charged off and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
All accounts with XXXX XXXX have been charged off and should 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 2023-01-25 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Nelnet, Inc.
State: FL

Complaint narrative:
I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: FL

Complaint narrative:
after pulling my experian credit report I seen there are XXXX names and XXXX addresses so I file a dispute online and over phone it has been working on this sine XX/XX/XXXX and the information is still appearing on my credit report online XX/XX/XXXX and XX/XX/XXXX called on the XX/XX/XXXX and XX/XX/XXXX and error are still appearing on my 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 2023-01-25 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: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My complain is about late Mortgage Payment from United Wholesale Mortgage Company. 
It States that my daughter was late for this month. 

The XXXX XXXX  company sold the mortgage to United wholesale Mortgage. But my daughter received letter from UWM that they received the payment on XXXX XX/XX/XXXX. 

I was a co-signer for this mortgage. my daughter pays her bills. 

Info for UWM loan number- I have only the last 4. XXXX Tel # XXXX My second complain ia about the XXXX XXXX XXXX I canceled our agreement in XX/XX/XXXX and received a confirmation letter from XXXX dated XXXX XX/XX/XXXX. But I have a report on my credit report that I was late from XXXX XXXX. Which totally I don't agree Info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Tel # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: NJ

Complaint narrative:
XXXX XXXX account has been paid in full as agreed. Item should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX account has been paid in full as agreed. Item should 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 2023-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Card has increased my monthly payment monthly for the last several months. I have never missed a payment or been late, consistently paid over whats due, and have not used the card in months ( therefore not causing a balance increase ). They claim its due to a variable interest rate, however, I have never received notice for interest rate changes. I also never began receiving the increasing payments until I ceased using the card while only making payments to reduce the balance. 
I believe Discover Card is failing to notify of interest rates along with unfairly applying interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion has violated my rights and are reporting wrong information in my credit report. These accounts only appears in TransUnion credit report and this is severe violation of the Fair Credit Reporting Act. 
In accordance with the Fair Credit Reporting Act, everything has to be XXXX  % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting XXXX  % accurate. 
These accounts are not reporting to XXXX and XXXX credit reports, they already removed and Transunion don't want to remove the accounts : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : 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 2023-01-25 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry from XXXX, XXXX XXXX XXXX, and COMENITYXXXX was placed within my credit inquiry file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX and the CFPB to follow the law : Either provide documentation that the law was followed by contacting XXXX, XXXX XXXX XXXX, and COMENITYXXXX at once, or remove these offending inquiries as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Synerprise Consulting Services, Inc.
State: LA

Complaint narrative:
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX showing a late payment XX/XX/XXXX, XX/XX/XXXX reporting to the CRA ( Experian XXXXXXXX XXXX XXXXXXXX ) as late. I was never late on this account direct violation of the FCRA title 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) I have the right to privacy and I am demanding that this late payment is removed from my 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 2023-01-25 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: NJ

Complaint narrative:
XXXX XXXX account has been paid in full as agreed. Item should 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 non-monetary relief
Consumer complaint received 2023-01-25 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:
My chime bank has closed my bank account after i made a claim on my account because my account was frauded XXXX dollars so they made the claim and two days later which is today i received a email saying they closed my account today not telling me anything about my money or nothin & i told them my tax refund check was going into that account and they still closed it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, 

I Have Previously Disputed This Item With Experian & XXXX XXXX XXXX XXXX (Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX) & In Response You Verified The Item As Accurate, Stating That You Verified This Information With The Court. 

I CONTACTED THE COURT On XXXX XXXX XXXX XXXX COURT RESPONSE Is Enclosed. 

It Is VERY CLEAR They DO NOT REPORT TO EXPERIAN OR ANY OTHER CREDIT REPORTING AGENCY! 

Therefore You ORIGINAL RESPONSE Of VERIFYING The Item With The Court Was A Error OR COMPLETE LIE, EITHER WAY The Reporting Requirements Does NOT COMPLY With FCRA 611 (15 u.s.c. 1681) And The INFORMATION MUST BE DELETED IMMEDIATELY

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 2023-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
I have requested debt validation from this company by mail on two occasions. I have not heard back and dispute the validity of this debt. I have not received anything in the mail that would indicate that I am the person responsible for this debt. Furthermore ; on XX/XX/2020 the business entered into a consent order with the United States of America Bureau of Consumer Financial Protection. The consent order settles allegations that the business Afni furnished information to consumer reporting agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate and failed to report to CRAs an appropriate date of first delinquency on certain accounts. The Bureau also found that Afni failed to conduct reasonable investigations of disputes made by consumers both to Afni and to CRAs about furnished information and failed to conduct investigations of disputes made to Afni in a timely manner. 

I believe that I am one of the persons who your company failed to do a proper investigation of an alleged debt in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ive been getting phone calls and credit reports of pre approved credit cards that i HAVENT applied for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I had a significant amount of USD stored in Gemini XXXX. They offered to convert my USD to XXXX for lower fees, which I accepted because they advertised very clearly that it was transferrable for USD " at any time. '' As a result, I had a large amount of my savings stored in XXXX earning interest. 

On XX/XX/2022, I requested a withdrawal of the entire balance in USD from Gemini. Over two months later, that request remains unfulfilled. Gemini blatantly failed to honor my withdrawal request and didn't provide any substantial information as to why or how to get my funds back. I have effectively been robbed of a large amount of my life savings by Gemini. 

Gemini still refuses to honor a return of the USD I held in my account with them, and now refuses to repy to any customer service requests. It is blatant theft. It is a lot of money. From the mainstream news, it seems directly due to their poor business practices and impending insolvency. It also seems that I am part of a large class of Gemini customers who still have their funds locked up with Gemini. Please help hold Gemini accountable! 

PLEASE PLEASE PLEASE HELP ENSURE THE RETURN OF ALL GEMINI CUSTOMER FUNDS IN A REASONABLE AMOUNT OF TIME! PLEASE DO YOUR BEST! THIS IS A HUGE TRAGEDY OF TRUST WITH A LOT OF PEOPLE AND FAMILIES AFFECTED!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX  : Account number : XXXX, The account is past the statute. 
XXXX  XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX XXXX  : Account number : XXXX, The account is past the statute. 

XXXX  days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the XXXX  year rule. 

Please send me an updated and corrected credit report. Please do not send a partial report, send a full 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
Consumer complaint received 2023-01-25 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: GA

Complaint narrative:
I noticed some issues with my credit report. The following accounts listed below are supposed to be removed from my credit report because the allowable reporting time has passed. Please delete the account at once. 

US DEPT ED : Account number : XXXX, The account is past the statute. 
US DEPT ED : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXX : Account number : XXXX, The account is past the statute. 
XXXX XXXX : Account number : XXXX, The account is past the statute. 
XXXXXXXX XXXX XXXX : Account number : XXXX, The account is past the statute. 

30 days should be enough time for you to get this done. Please do not send a letter stating that the account has been verified. Im not asking for you to investigate, Im asking that you follow the law and delete the item as it can no longer be reported due to the 7 year rule.

Please send me an updated and corrected credit report. Please do not send a partial report, send a full report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Retail Merchants Associates
State: LA

Complaint narrative:
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.

Company response to consumer: Closed with explanation