vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I never took out any cash advances and on the front of my page it showed XXXX cash advances but on the pages after it showed cash advances, and when I called about it, they tried to say that my payments only go towards my credit card purchases, and its not divvied up for cash advances which is a lie. I kept pointing them out over and over and over again I never pulled out any cash advances the same woman in the same few people in XXXX XXXX and a XXXX lady, my calls were always redirected to. I want criminal charges. I want punitive damages and I want my card wiped clean. For the inconvenience this put me in financial debt right before Covid and during Covid. Theyve been pulling out cash advances since I opened the card. The only thing I did was write XXXX check only XXXX. And my payments shouldve gone towards that. They refused to refund me my money back. Try to give me a deal and make me pay off the usage from other people and its the police, the FBI and the DOJ because they all use second life video game and thats how they steal, peoples credit card information, etc. the shouting technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 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: CA

Complaint narrative:
Since 2017 i have been enslaved and denied good credit access by Experian and XXXX XXXX credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. Experian currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
XXXX XXXX has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.

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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXXXXXX {$3000.00}. I keep trying trying to file a complaint, the website keeps crashing. Spoke to bank numerous times. Please just help. 

Ok it went through. So, for a year and a half Ive been having a major issue with Bank of America and fake accounts taking money from me. They would freeze my account and make me wait for a card. The problem that I keep telling them, is that IM A XXXX XXXX. That means Id have no access to the money I saved, etc. on the road. The one time I attempted to pull my money out and move to another bank, I was blocked with a withdrawal limit notice but I tried to transfer it. Its can range from XXXX XXXXXXXX {$40.00} at any random time. And the email and hotline they set up for the lawsuit does not respond to me at all

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 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, someone posed as me and withdrew {$800.00} from my joint account with my wife at Bank of America ( {$400.00} from checking account and {$400.00} from saving account ) at a local BoA branch. Prior to this, around the end of XX/XX/XXXX, I realized I was a victim of identity theft, so I already alerted all my banks and credit card companies of a potential fraud against me. As a precaution, my wife even opened a new account and transferred most of the money out and just left a small balance for bill payments. I have filed several police reports with our XXXX XXXX XXXX and also with the Federal Trade Commission. 

As soon as we knew of these two unauthorized transactions, we submitted two claims with BoA. One was resolved on XX/XX/XXXX and we got the {$400.00} refund back, but the other {$400.00} claim was denied. We found out the denial when we called BoA check fraud department on XX/XX/XXXX, and they said they have the video footage to deny our claim. Then on XX/XX/XXXX, we got the denial letter claiming that I authorized this illegal transaction and that I benefited from the funds. I want to make a complaint against BoA for the following reasons : 1. I timely alerted BoA and even set up a verbal password. Did all precaution to protect my finances by transferring the cash out from the joint account as soon as the identity theft came to my attention.

2. I still have in my possession all my IDs or bank cards, so if BoA did the right thing, especially when I already requested BoA to put an alert on my account, they must scan the ID, must request the PIN and the bank card. I believe BoA did none of these because if they did they would have found out these documents are fake.

3. The baseless and irresponsible denial of my case and their claiming that it was me are equivalent to defamation of my character. Since I'm with my patients throughout the day, people can vouch for me that I wasn't at the bank at all. By concluding that I was the one on the video, it clearly shows BoA is very irresponsible and hasn't done their due diligence. I have requested that they share with me that video footage, but I haven't received any responses.

4. While the two unauthorized transactions occurred on the same day, at the same location and same time, they honored one but denied the other. This just proves they haven't done their research, or their research ( if any ) is baseless.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been trying to collect a debt that is not enforceable for a number of years. I used to be a member at XXXXXXXX XXXX XXXXXXXX in the XXXX XXXX area . It was a non contract month to month membership that could be cancelled at any time. I informed management that I would be moving to XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and would no longer be using their facilities. They had me sign a little touch pad and told me I was good. Apparently ; I wasn't. I am nearly XXXX miles away from any XXXX XXXX XXXXXXXX facilities and am a member at XXXX XXXX which has facilities NATION WIDE including in the XXXX XXXX XXXX There is no reason I would have kept this membership as I visit XXXX for a week maximum every eighteen-months. XXXX and XXXX have already removed this from my report ; however, the company themselves have not removed it from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have never incured debt with XXXX XXXX XXXX XXXXXXXX XXXX I have disputed this successfully with both XXXX and XXXX ; however, for some reason they are still on my Trans Union report . 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX it would make it WELL beyond statute for both unsecured open ended debt of 4 years as well as secured and written closed debt of 6 years.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with The Fair Reporting Credit Act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 A credit/consumer reporting agency can not furnish an account information, without my written instruction.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open and active consumer plan as late for any purpose. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX complaint filed but as with this complaint KIA only demands payment when XXXX XXXX XXXX XXXX XXXX HAS ALREADY PAID and confirmed THE NOTE AMOUNT ON THE CONTRACT was paid! Kia Finance nor the dealer cares or is concerned they have created this issue and evidently refuses to respond! FOLLOW up on Gap refund also indicates they claim not to be notified. By opinion a termendeous abuse of seniors, vets and citizens!

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 2023-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
During Covid I was harassed monthly by XXXX XXXX XXXXXXXX XXXX XXXX leasing office agent although they received their rental payments on time. Monthly, I was threatened by them that myself and my XXXX children ( XXXX of which were XXXX  ) would be kicked out on the streets After receiving a fake eviction notice on red construction paper I was basically forced to leave the unit without anywhere for my family to live due to the constant harassment, emotional distress and feelings of uncertainty and safety. We were homeless living out of my car for 4 months. The makeshift eviction notice contained a signature of someone who was no longer an employee at the property and Im sure she has no idea her signature was used. The property also received 2 months rent on my behalf after my move out although I was no longer occupying the unit. While residing in the unit maintenance never came to fix anything that I put a work order in for they just marked it as completed in the portal. My garage door didnt work for XXXX months even though I put in several work orders to get it fixed. XXXX months after moving out I was contacted by a collection agency regarding a balance of {$590.00} that I had no knowledge of and was unaware even existed. I requested information regarding the balance from the collection agency and the property and never received either although I was informed that I would. I never received anything from the company stating that I owned anything. I wanted to know exactly what I was being charged for seeing as though I left the unit in excellent condition other than the normal wear and tear of living there for almost 8 years. I never received the information requested and 2 months later the balance appeared on my credit report. Charging people unknowingly, for unknown reasons and attempting to ruin their credit is illegal and extremely unprofessional. It was a complete nightmare living there after 2019! I would like for their billing department to credit the charges and remove it from my credit immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Credit Karma, LLC
State: FL

Complaint narrative:
An unknown individual set up a fraudulent account and scammed my employer on XX/XX/XXXX into transmitting my paycheck ( {$3200.00} ) to the fraudulent account on XX/XX/XXXX by forging an employee direct deposit authorization form with with my first and last name and an electronic signature of my name as well as the routing number, account number and name of the bank ( MVB Bank ). My representative and I contacted XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to report the opened bank account with them as fraud. We initially spoke to XXXXXXXX XXXX XXXX XXXX who informed XXXX based on the routing and account number provided, that this was for a Credit Karma based debit account and XXXX  had no access or ability to look up these accounts. We were instructed to reach out to Credit Karma, which we did, and spoke to XXXX. XXXX informed us that there was no banking account under my name, last four of SSN, or with the full routing/bank account number that we provided to her. She stated that she was going to escalate the matter to Credit Karmas fraud department, which based on an email I received, she has done. She then instructed us to call XXXXXXXX XXXX as they would need to be informed about this fraud, which again, we did. This time we spoke to XXXX who issued the same advice we initially received from XXXX, which was to call XXXX XXXX and report this. We explained that we had already done so, and that XXXX XXXX instructed us to let XXXXXXXX XXXX know of this matter. I had XXXX XXXX for the account in their system with the full account number, which did not generate anything. XXXX told us she would be escalating this matter to the XXXX department at XXXXXXXX XXXX, which would reach out to Credit Karma to further investigate. We were told by both XXXX and XXXX that Credit Karma would reach out within three business days to further discuss the findings with me. They were supplied with my phone number to reach out to me once the appropriate person was assigned to the matter. As of today, XX/XX/XXXX, neither XXXXXXXX XXXX nor Credit Karma has responded to me regarding the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I made my monthly payment on time and it was posted in my checking account on XX/XX/XXXX. They did not apply the payment to my loan and now are saying I am 10 days delinquent and are charging me late fees. I emailed the customer service department and explained this and they sent an email back saying I was delinquent and did not offer any assistance in fixing their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX Bank or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with XXXX XXXX XXXXXXXX XXXX XXXX I have disputed this successfully with both XXXX and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was medical services rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXX XXXX  XXXX XXXX  on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.

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 2023-07-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I have tried to resolve and dispute this issue with XXXX XXXX XXXX XXXX XXXX XXXX XXXX various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. 

They are collecting for a company called " XXXX XXXX  '' which I have never heard of - much less signed any contracts with. 
I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX  or any of their affiliates ; nor was I informed of any debt to this bank in writing at any time before or after it was transferred to XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Once again ; I have never incured debt with Northern Nevada XXXX XXXX XXXX I have disputed this successfully with both Equifax and XXXX ; XXXX, for some reason they are still on my Trans Union report XXXX I have no clue why they would bill me for XXXX separate instances XXXX years apart. 

At the time of the alleged debt that was incured I had full medicaid for myself and my family and had for many years prior. Even if there was XXXX XXXX rendered- it should have been well handled by my XXXX. This is clearly a billing error that I was not aware of and then was pushed to collections. 

What's more this is an open ended non contractual debt ; which in Nevada, the statute of limitations states that it can only be collected and reported upon for XXXX years after the service was rendered or last payment recieved. As most companies take a minimum of XXXX to XXXX months to collect debt privately and this debt was accquired by XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  on XX/XX/2018 it would make it WELL beyond statute for both unsecured open ended debt of 4 years and be very close to the end of Statute for written and secured closed end debt contracts in the state of Nevada.

Company response to consumer: Closed with non-monetary relief