vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to XXXX XXXX Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AL

Complaint narrative:
On XXXX XXXX I sent my wife {$2700.00} dollars to her account in which it stated completed with but bank stated they never received it. On my side it said still in transit. After several attempts of back & forth about where the money was the bank finally got their main branch involved & seen where they had been trying to send it but they were rejecting due to the amount. They stated that she could not received over {$2500.00} in single transaction going to her card but if money gram could just split the amount up in different amount as long as it wasn't above {$2500.00}. I tried doing that & still they stated they wanted to hear that from the bank. My wife had letterhead drawn up & sent in to them through email stating why it wasnt going through & still no response. I even filled out form on their moneygram site & still no response from them. I have requested refund & they are telling me that its under investigation until they hear from her bank. My light bill & new car down payment money was in that amount & now I don't have a single dollar. I have requested refund but they will not do it. XXXX below is from the bank. They can verify if needed. XXXX is the company XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX is the company that was going to recieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This company is currently showing 30 days late ( XX/XX/XXXX ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SANTANDER CONSUMER USA ****** Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER ****** Opened XXXX XXXX, XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.

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 explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NY

Complaint narrative:
Dear XXXX finance, I have been a loyal XXXX client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that XXXX failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why XXXX has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have noticed some inaccurate information on my credit profile. It is not mine please DELETE all inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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:
On XX/XX/2021 I contacted Equifax for the second time via phone for a status update regarding some recent disputes that were submitted. Upon speaking with the dispute agent, I was informed that one of the six inquiries would be removed, but that I would need to submit a FTC REPORT in order to have the others removed. 

I asked the representative to provide me with the information that would be needed, and they said to just lift the inquiries and fax the report back with identification. I did this the same day. 

On the XXXX, of XXXX I called to follow up again regarding the FTC REPORT that I had previously submitted on the XXXX of XXXX. At which point I was told that it was an internal policy that was in place at Equifax, by XXXX XXXX XXXX ), to not prizes any FTC REPORT that didnt include a date for disputes, and that it was not to be made public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANKMOBILE TECHNOLOGIES, INC
State: GA

Complaint narrative:
I been trying to get my funds going on XXXX weeks now from my school bank first I order an new card to try to access my virtual card didnt work because they said I had to put the previous pin I used which I forgot they didnt help on that saying thats a security problem and they cant do nothing about that now today the card I was waiting for they sent to the wrong place no they charging me again to buy a new replacement card to come to the right address that I put the first time

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 2021-11-19 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: GA

Complaint narrative:
On or around XX/XX/2021, I disputed inquiries from XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX ( XX/XX/2021 ), and XXXX ( XX/XX/2021 ) with Equifax to no avail as evidenced by the return receipt. In addition, I contacted the creditors via written correspondence as evidenced by the return receipts, and they could not verify that I completed an application with them. Equifax failed to investigate this matter or show me any proof illustrating that these creditors had a permissible purpose to access my credit file ; and as a result, my credit has been adversely impacted. Equifax failed to confirm that the above referenced creditors had a permissible purpose to access my credit file. In fact, I previously disputed an inquiry that Equifax allegedly verified, but the company, XXXX XXXX, communicated that it was an error and it would be removed as illustrated by the enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
My son XXXX XXXX leased an apartment with 3 other boys from the Retreat in XXXX, XXXX XXXX XX/XX/XXXX to XX/XX/XXXX and was cleared by XXXX " their main Maintenance Technician '' at the time. He lived in XXXX for an additional year, and we lived in XXXX XXXX, CO as the Co-Signers for him and never received notice of a pending or overdue maintenance issue. Apparently a year later, the new owners of the apartment complex sent letters out to all previous tenants " Which we never received, and we have never been provided although we have asked several times and can be verified on the recordings from Columbia Debt Recovery when they first called me in XXXX of this year and then again about every 6 weeks after that '' I asked them for a copy of the documentation as well as a list of the damage since all of the leases were charged the exact same amount of money for damages caused in the apartment, but apparently nobody can document the damages. I told them that the Retreat has a history of sending out these notices after the fact and we wanted proof of the damages before we would entertain paying anything to the company. If they couldn't provide it, then it was just a made up letter. In XXXX or XXXX of this year, I told them to quit harassing me since they could never provide anything in writing to me and to take the case to court, instead they sent it to my Credit Report. I want them to either provide documentation of the validity of the collection debt with a listing of alleged damage per room that would equate to approximately {$1700.00} ( {$440.00} x 4 boys who shared the apartment and were all charged the same amount ) or we remove this fake credit collection amount from Credit Report and restore my XXXX point drop to my credit score and penalize this company for improperly reporting something to the credit bureau when it should not have been done. Additionally, I would ask that someone look into the Retreat at XXXX for improperly targeting young adults that are attending the University of Mississippi and ruining their credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: PA

Complaint narrative:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent to the Equifax Credit Bureau. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Credit Bureau as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID immediately. Here are the lists of accounts that is erronousely reporting on myCredit File : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$350.00} XXXX XXXX Balance : {$220.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: NC

Complaint narrative:
this is not a case against transunion. however, i would like for them to know that my account with XXXX XXXX XXXX is now under investigation by the North Carolina Department of Justice XXXX XXXX XXXX as of XX/XX/2021. i will attach documents to show this information

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 explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have a Chime account and have use Chime 's referral program to make referrals to my friends for opening their new Chime accounts. I know for sure that so far 6 of my friends have opened their Chime accounts and also have made at least {$200.00} direct deposit ( each person ) into their Chime accounts. Based on Chime 's referral program, I should receive {$100.00} referral bonus per person and so I should have received at least {$600.00} referral bonus now. However, so far I have only received total {$300.00} referral bonus. I reported this missing referral bonus issue to Chime customer service, but this issue has not been resolved yet. 

I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay. For Chime 's info, one of my referred friends is XXXX XXXX XXXX name ) and his email address is XXXX Again, I request Chime to post the missing {$300.00} referral bonus to my Chime account immediately without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian signed me up for a Premium monitoring service WITHOUT my permission while pulling up a credit report. From the my phones internet browser one is not able to see the option to cancel service. You have to change it over to DESKTOP site in order to see it. Months went by if my card getting charged XXXX from XXXX to XXXX without be able to cancel it or know to check the desktop site. 
I then cancelled the card and had a new number issued. Somehow EXPERIAN got that card number from XXXX XXXX BEFORE it even arrived at my house and change the number on their autopayment side and STILL CHARGED ME AGAIN. I sent them a nasty email and said to refund within XXXX  hours and they did/but only the the month they charged on my new card number that I did not even know yet! 
I just logged into Experian to get documents and they are telling me I dont have a account anymore. I will collect XXXX statements of charges and the most recent credit on the new card-will get that by the time you respond..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: FL

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau last XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00}

Company response to consumer: Closed with explanation