vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/25, my rent payment for {$2200.00} was pulled and sent by check via auto bill pay to my landlords bank, XXXXXXXX XXXX XXXX  XXXX. My bank is Bank of America for XXXX  years now. This rent check was somehow intercepted and signed/ cashed by a thief. BoA has past rent from auto bill pay, where the records show the correct transactions, and they could see the signature was different this time- I have obtained a copy. Meanwhile, Im in some kind of business limbo to sort this out, with the onus put on me, not having paid rent - I dont have extra funds as this plays out. Ive been on the phone multiple times, in the physical bank XXXX, and in communication with their online app messages. The process is ridiculous, and unfair to the consumer. They use faxes with XXXX business day expectations, or snail mail up to XXXX weeks. My new card is taking that long. I still dont have the rent paid, though Ive proved the funds were pulled. This is jeopardizing my housing, and violates trust in the banks ability to manage auto bill pay transactions, where fraud is possible at risk to the consumer. I should have better protections and a more serviceable outcome than this nightmare. Its been nothing but a runaround, even when Ive connected them to my landlord for verification, and have jumped through every single hoop multiple times. All of this was not caused by me, but I have to take time away from work to manage - still, without my rent paid.

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 2024-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
I have been trying to access my CoinBase account for 3 days now. I have verified my phone number, my email, my ID, and submitted videos of me to the website. These have all been denied within minutes and I am completely unable to contact any humans at the company for support. Their support page directs me to a phone number which directs me back to the website support page. They have run me around in circles for days and blocked me from accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: VA

Complaint narrative:
EdFinancial still has not updated my account to the standard plan ( $ XXXX for 10 years so I can start making payments ). The current balance/monthly payment has been based on a plan I never agreed upon, and will in fact cost more that $ XXXX than the standard plan. This servicer has lied and continuously provided inaccurate misleading ( purposefully ) information to keep me on a more expensive plan! Their delays to respond and address my concerns have been egregiously long only to come up with misinformation and failure to update my account! Such unethical behavior is well documented in XXXX threads where CFPB complaints have been raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: LA

Complaint narrative:
Discover Card refuses to remove a double billing. 

I made a reservation with XXXX to stay with XXXX XXXX and XXXX in XXXX XXXX  on XXXX XXXX, 2024, they immediately billed my Discover Card for {$150.00}. 

I checked in the XXXX XXXX in XXXX XXXX  on XX/XX/scrub> 2024 with my Discover Card to cover incidentals. Upon checking out on XXXX XXXX, 2024 XXXX XXXX refused to give me a final statement. I later learned that they charged me again for the room for {$130.00}. So, I was charged XXXX  for the same room for the same night. 

I filed a compaint with Discover Card. They processed both charges for review and Discover Card refused to remove XXXX or the other of the charges. 

In the past Discover Card had always been customer friendly and helpful. But, since XXXX XXXX bought them they are very unaccomodating on customer service. 

I can't explain the difference in the amounts, but the fact is they are charging me XXXX  for the same night stay, and Discover Card refuses to make it right. I don't care which one they remove, but XXXX of them must go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
The creditor Kohls failed to send a printed, electronic statement and failed to collect a payment by phone. I had an account that I had not used for a year and made 1 charge in XX/XX/year> an completely forgot about it since I typically do not use credit cards and pay my balances in full every month if I do. However, I had so much difficulty with this Kohls account. I tried entering the account via website but I was unable to get any account information and every time the account was reset a password reset was never sent to my email or phone as it should have. I tried calling the customer service number but with the unbelievable long waits it was impossible to get to someone. Finally I was able to contact the creditor in XXXX over a weekend. I let them know I have never received a statement or account information and I was wondering about any payments due. They informed me they had the worn account email and information, I am not sure how. I paid the account in full and requested to close the account. The amount I owed at the time was no more than {$130.00}. I let them know that I was worried this might impact my impeccable credit and had no late payment. They reassured me this would not be reported to the credit bureaus since I called and explained they did not served me with any statements and it was only 30 days past due. In XXXX I tried to apply for a mortgage loan my credit scored had been up to XXXX, I realized my scored dropped to XXXX and I had negative history form Kohls. They violated federal law, according to 12 CFR Part 1026.5 of the Code of Federal Regulations covers general disclosure requirements for creditors. These requirements include : written or electronic statement disclosures to collect a debt. Kohls violated Federal consumer laws. After I submitted my dispute in writing, they failed to make the error issues. They refuse to delete my " late payment '' information and ignored the facts that it was their error for not disclosing any account information to me. I a requesting for them to be penalized and to correct my record. They can not report late payment if they failed to properly collect money under the laws. This is impacting my credit and I am unable to get a mortgage loan until this is corrected. I am an excellent A+ consumer, they are being careless and not taking responsibility for their billing errors. I will secure a lawyer to take legal action against them at this point since they failed to resolve the dispute. Please assist me with this and assuring they understand consumer law requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX XXXXXXXX Balance : {$780.00} XXXX & XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXXXXXX Balance : {$2700.00} XXXX XXXXXXXX balance : {$49000.00} Balance : {$0.00} XXXX XXXX XXXXXXXX

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am writing to formally assert that the information currently reported on my credit report is not compliant with XXXX XXXX standards & is violation of the FCRA. I have identified specific inaccuracies that are negatively impacting my credit score. As per the Fair Credit Reporting Act, I demand an immediate investigation and correction of these discrepancies. Failure to address this matter promptly may result in further action on my part. 

I expect a timely response regarding the resolution of this issue.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
i did not give permission to these companies to give away my personal information, which is causing harm to my consumer profile. This is acts of fraud and are a violation of my consumer rights according to the FCRA. I have filed and identity theft report with the ftc in which i have attached below with the following accounts XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE ATTACHMENT BELOW FOR FTC REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit report there are several incorrect addresses listed on my credit report. These incorrect address are listed below : 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX. 
These addresses are incorrect and I never lived at any of these addreses. 

My correct address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and I have always lived at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting 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:
On my credit report there are several incorrect addresses listed on my credit report. These incorrect address are listed below : 1 ) XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX Florida XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX. 
These addresses are incorrect and I never lived at any of these addreses. 

My correct address is XXXX XXXX XXXX XXXX, XXXX Florida XXXX and I have always lived at this address.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX & XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXXXXXX Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
I CONTACTED THE COLLECTION AND CREDIT BUREAUS ABOUT THE SITUATION AND THEY DID NOT DO PROPER INVESTIGATIONS OF ALL OF THE CREDIT BUREAUS EXPERIAN, XXXX, XXXX, AND 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 2024-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America took the charge off from XXXX from a flight they changed and I never took. Then they added the charge back without notice. Now they are charging interest on that new charge that was taken off.

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am filing this complaint against Lead Bank due to a serious case of identity theft involving my account number XXXX which was obtained through the help of XXXX XXXX. Despite providing extensive evidence and documentation from both the Attorney Generals Office and the Federal Trade Commission ( FTC ), Lead Bank has failed to take appropriate action to resolve this matter or offer any substantial support during this ordeal. My personal information was stolen and used to fraudulently open and manage accounts under my name. I became aware of this breach when I received suspicious communication regarding activities associated with my account. I have immediately took action by filing reports with the Attorney General and the FTC. I am providing Lead Bank with documentation from both the Attorney Generals Office and the FTC. The bank has shown minimal cooperation in rectifying the issue and must discontinue unauthorized activities under my name. As a result of this identity theft my credit score and financial stability have been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have unauthorized and wrong inquiries on my credit report with Equifax I need them to be removed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On my credit report there is an incorrect phone number and that phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXXXXXX XXXX XXXX IN XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX balance : {$4900.00}

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 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Ive been a XXXX  year plus client at Chase bank. I have never initiated a single wire transaction in my entire history with the bank. My account and identify were stolen and the criminal ( s ) fraudulently wired {$8700.00} out of my account in XXXX separate wire transactions ; XXXX for {$4500.00} and XXXX for {$4200.00}. They also transferred all of my money in my joint savings account to my checking account in {$5500.00} increments. I notified Chase immediately and have spent the last few days talking with various people from Chase and getting a completely different story every time I speak to someone. Furthermore, my claim was just denied yesterday. Myself and my family are absolutely devastated. This behavior is shameful and disheartening as we have put our trust in Chase for so many years to protect our finances. Anything you can do to help resolve this would be greatly appreciated. Trying to follow up on status, next steps etc. has been a total nightmare. I have filed a police report with the XXXX police department, a complaint with the FTC and the XXXX. 

I filed a police report with the XXXX police department, case number XXXX with XXXX XXXX XXXX XXXX and had active cases/complaints with Chase bank XXXX XXXX and XXXX XXXX. This occurred on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
We purchased a {$200.00} Vanilla prepaid Visa debit card in XX/XX/year>. The card does not work anywhere. It is always declined. We have attempted to contact Vanilla via XXXX Bank with no success. They have essentially stolen {$200.00} from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My XXXX  Trafficking request was not honored as required by law. They claimed they did not receive required documentation. This is not true. They also claimed they gad made XXXX attempts to contact me. This is also not true. I have provided the companies with XXXX different proofs of XXXX  Trafficking victim status, all signed y different governmental entities who have the authorization to sign my documents. I was denied all three times. I was also not contacted within the XXXX business days required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 non-monetary relief