vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 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: TX

Complaint narrative:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
We have just started new jobs, so I had my wife download bank app so she has access. She is a server and she gets her tips in check form the next day. Twice she e deposited her check and the bank put a five day hold on them. I took her check, same account, same bank and e deposited it in between those checks.. went right thru. The problem is Im stuck in a hurricane 3 hours away from home with my wife and 4 dogs. The bank will not release the checks, even in an emergency. Ive explained that we have been out of work for 10 months and this was all the money we had. We went to XXXX to meet friends fleeing from IAN in FL, they left yesterday but had the hotel room till today. Now because Ally bank wont release our funds that were deposited on Sunday XXXX and Wednesday The XXXX, weve had to check out and ride out a hurricane in our car with it on Empty with XXXX in the account, we cant get home and have XXXX money to eat as they are holding XXXX till at least Monday 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 2022-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/services. I have Filed a identity theft 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 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/30 - Called EdFinancial to get a refund on payments made on my loans during the pandemic. I talked to XXXX and was told that I needed to wait to fill out application being sent out by the government around mid XXXX. Was told that I should be refunded for all of my payments made. So I was not able to submit a request for a refund. 

XX/XX/30 - Called EdFinancial again to request a refund on my loan payments during the pandemic. This time another representative, XXXX, was able to submit a request for a refund of {$11000.00}. However, they could not give me a specific date or time range on when I would get a refund. 

Overall was given mixed information on submitting refunds by two different representatives at EdFinancial. They were also not clear on a date range on when I should be receiving my refund and when they would reinstate my loans on FSA. Overall given two very different statements on refunds for my loan payments, and lack of consistency made it difficult in getting my refund for my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
My loan servicer is Edfinancial. I made a payment of {$2400.00} on XX/XX/XXXX during the XXXX XXXX period. 

I am eligible for $ XXXX student loan forgiveness and have a balance of {$17000.00} as of today, XX/XX/XXXX. I have requested a refund of {$2000.00} on this payment and Edfinancial is denying payment. This would bring my student loan balance to {$19000.00}. 

When I called on XX/XX/XXXX I was told that I would be refunded in XXXX of XXXX. I asked where I could read up on this as I just checked Edfinancial 's website and could not find any mention of it. I was told this is a new policy this week. I asked to start the process for a refund regardless and was told a form was filled out for my account that I could not see and have no accountability to see to start the refund process with no guarantee that I would get the refund I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/2022, I was notified of a hard inquiry on my credit report from Bank of America that I did not initiate. I called XXXX and notified them of this on XX/XX/2022. XXXX placed a Fraud Alert on my account. I have also called Bank of America to let them know that this was not me and to make sure that the credit card account is not opened.

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 2022-09-30 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: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
Greetings, In a nutshell, on XX/XX/2022 our Fifth Third Bank Perferred Credit Card was charged {$1700.00} XXXX in XXXX, XXXX for a {$12.00} XXXX taxi cab ride. Minutes after returning to our hotel, we were alerted by an email from Fifth Third asking if it was suspicious or fraud activity... I called immediately from our hotel phone ( a {$7.00} XXXX call by-the-way ) and told the bank representative it was indeed fraud. 
She immediately cancelled our card and said a new one would be mailed to us .I told her to also cancel the charge or put it " on hold '' and she said she could not until it went from pending to posted. I said to her " that makes no sense. '' She assigned a case number which is XXXX. 
The charge was to " XXXX XXXXXXXX XXXX XXXX XXXX '' and we were staying at the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX in XXXX. 
The next day after returning back home to XXXX, Ky I and logged into our account and saw the fraud charge posted so I called again and was told to supply documentation showing our correct hotel... .I gave them a copy of our bill for our stay ( from XX/XX/XXXX until XX/XX/XXXX ) including the phone charge to call. 
Now more than 6 weeks later, the entire fraud charge is still listed with even an interest charge added to it. 
This is not right, we responded immediately and told them it was fraud and it should have been taken care of just like fraud problems we have had in the past with XXXX XXXX XXXX XXXX and once with a XXXX credit card that were rectified right away by those institutions. 
Please contact Fifth Third Bank and find out why a fraud charge is still being expected to be paid. 
I can supply any documentation needed. 
Thanks, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ky XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I provided a letter to the XXXX back in XXXX and for some reason, it has taken more time than it should and this information is incorrect on my report. Since it has taken more than 30 days the law states that these items should be deleted asap. I have provided my identification along with supporting documents showing that I am the one disputing these items. It is unfair that these items are affecting my personal ability to move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
1 Payment in the amount of {$950.00} was sent to American Express XXXX XXXX XXXX XXXX XXXX CA XXXX via XXXX XXXX XXXX XXXX. 

3 Payments in the amount of {$930.00}, {$650.00}, and {$760.00} were sent to AMERICAN EXPRESS XXXX XXXX XXXX XXXX TX XXXX via XXXX XXXX XXXX XXXX XXXX Payment in the amount of {$970.00} was sent to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX on XX/XX/2022. 

AMERICAN EXPRESS refused to acknowledge payment or credit to my account. 

Attached documentation ( see Chat XX/XX/2022 ) will show that I have reached out to AMERICAN EXPRESS multiple times during the month of XX/XX/2022 and given them opportunity to act in honor. They have chosen not to. 

Attached documents will show that these payments were sent in good faith, according to the expressed wishes on how payment should be received. 

American Express has not returned the payments, they are holder in due course. 

The American Express CFO was assigned Fiduciary for XXXX XXXX regarding American Express Accounts, in XX/XX/2022 and has accepted the position by acquiescence. He is currently in Fiduciary non compliance as he has not acted in the best interest of XXXX XXXX. 

Assuming that AMEX is required to abide by XXXX ( general accepted accounting procedure or practice ) : 12 USC 1831- XXXX XXXX XXXX has to account for negotiable instrument ( A signed Application, Trade Acceptance, Orders are negotiable instruments ). 12 USC 1813 ( I ) ( 1 ) borrower is to receive credit for their negotiable instrument. AMEX is in possession of documents that are self liquidating paper according to 17 CFR 260.11b-6. The contract between the parties is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar.

According to UCC 3-602, payment has been made in full.

AMEX is the Holder in Due Course. No remittance has been returned with explanation for rejection. No response means AMEX has accepted payment, yet neglected to credit the account.

In order for AMEX to deny the instrument, the instruments needs to be returned with a notarized letter of dishonor and opportunity to cure according to : UCC 3-104 UCC 3-111 UCC 3-306 UCC 3-603 UCC 3-602. AMEX has not done this.

It is entirely plausible that AMEX has accepted the payments and NOT reported it to the account of XXXX XXXX due to so many attempts to contact AMEX and being given the run around over and over. Again, refer to attached AMEX CHAT XX/XX/2022, which covers the entire month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
I had 2 accounts with Goldman Sacs when the pandemic happened. After non-payment for a few months, I was contacted by Goldman Sacs with a procedure to get the accounts current. After the first loan was updated, the Goldman Sacs representative stated that they could update the other account also. So, on XX/XX/2020 I made a payment of {$250.00} to both accounts. This was supposed to bring both accounts current. The following month I received a call from their collection department for payment on the 2nd account. I was informed that they could only update one account and the second account was still past due. Until the pandemic, all payments were made on both accounts in a timely manner. Now I was skeptical because of their questionable practices. They turned me over to a collection agency who wanted me to pay them {$4000.00} to set up a payment plan. I did not have that much money to do that at the time. They garnished my checking account and my college son 's account as I am a signer on his account because we opened it when he was underage. I have made an arrangement with the collection agency but I just want to report their questionable practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had 3 transactions that were stolen from me from a business, it turned out to be a scam. Paypal denied my claim since it was through friends/family ( which is what the seller requested I pay with. I also reported it to my bank XXXX XXXX as a fraud who also denied the claim saying it was an authorized transaction and refused to help or investigate it. 

Seller blocked me on their social media platform after payment went through. 

Dates XX/XX/22 - {$440.00} XXXX/22- {$390.00XXXX XXXX22- {$110.00} I really need this resolved and would like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
On XXXX our business processed a credit card transaction in the amount of {$29000.00} for flooring laminate. Transactions normally gets deposited into our business account within 2 business days. We processed this transaction XXXX contact chip which is clearly in the guidelines described as a protected means of processing XXXX XXXX we received a call from the First Data Risk Department after asking a few questions and them requesting bank financials as well as invoices for this transaction and after review we were instructed that the funds would be released.On XXXX we received yet another call from the risk department stating that they did not feel comfortable with the transaction and they were asking us to refund us.We Cleary stipulated that the sale was done and the merchandise was picked up by customer.We have used First Data for over 3 years and we have done hundreds of transactions this is a very unprofessional manner in which they are conducting business.We will not process a refund and we reserve our rights for further litigation if these funds are not credited to our bank 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 2022-09-30 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: PA

Complaint narrative:
These are the company that went into collection these accounts are fraudulent and I have no knowledge of these accounts. 

Company or Organization XXXX XXXX  XXXX Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX  Account Number : XXXX XX/XX/2022 Company or Organization XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/2022

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 2022-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: OR

Complaint narrative:
Someone took out a loan from Koalafi for tires and received the product in my name through identity theft. I contacted them and was told they would report it to their fraud department and took my information. The person hacked in to my XXXX XXXX bank account and had the company take out an installment payment. I reported it to my bank and I closed my account and bank returned the money to me. I got an email today from Kolafi that it is going to collections when I had notified them of that being a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: GA

Complaint narrative:
XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to XXXX is XX/XX/2013 and the date opened reporting to Transunion is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.

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 2022-09-30 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: GA

Complaint narrative:
XXXX Is reporting account number : XXXX as opened on two different days. The date open reporting to Experian is XX/XX/2013 and the date opened reporting to XXXX is XX/XX/2013. This account is inaccurate in its reporting and is in violation of the FCRA. I contacted the company in an attempt to fix the issue but they continue to reply with statements and settlement offers. The statements are not enough to validate the account. They have failed to meet my demands to provide me proof of the original day the account was opened and have neglected my attempts to correct the problem.

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 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my friend sent me money to pay my rent {$200.00}. Which gave me a balance of {$260.00}. I paid the rent and it was attempted to take out XX/XX/XXXX and it was declined due to the money being gone. I checked the card and there were charges from XXXX {$97.00} & {$150.00}. The total was {$250.00}. I reached out to Cash app immediately and the moment I put the claim in they declined the claim. I reached out via chat and they told me they would help me redo the claim because they still see more charges being declined because the card is locked and there are no funds. The claim the was still denied even though they seen someone still trying to charge the card. I then requested for a supervisor to contact me. They contacted me via email and said they are not changing the outcome. I asked for the documentation they had as proof. The receipts they sent me say the person used XXXX pay purchase. I have an XXXX and this is yet another reason it wasnt me. I also made them aware I had misplaced my card which is why my card is always locked. Someone returned it at my job and I assumed I was good. But I also only could think of anything funny that happened to me was I used a card tarot and had to provide my DoB and name. Idk if that had anything to do with it. But again my card was locked at all times until its time for me to pay a bill. I now am in the hole because I had yo borrow money from another friend to pay my rent. I would like to speak a the person above XXXX the support manger.

Company response to consumer: Closed with explanation