vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Hello, I transferred money via XXXX XXXX. 

I live in XXXX and received XXXX XXXX  brought it to XXXX XXXX and they sent the money to Bank of America via a routing and an account number on XX/XX/XXXX. 

I am the owner of the account it was sent to. 

I was sending the money to myself. To an account I have with Bank of America. 

I went home and normally the amount deposits easily into my bank but this time it didnt. 

Ive done this 3 times at least. 

I double checked my receipt with the XXXX number and it was all good but when I looked at the account number one number was off. 

I called the XXXX XXXX it was sent to and they verified the funds were already sent and began waiting for a refund. 

Ive called Bank of America, specifically the location it was sent to in XXXX XXXX, and over the phone she said We dont work with XXXX XXXX XXXX called a few other Bank of America numbers and they werent able to help. I asked one banker about looking up the wrong account number and it was that he let me know there wasnt a person with that account number. 

I spoke on the phone with 5 or 6 different people from XXXX XXXX. 
Its XX/XX/XXXX, I still havent received anything. 

When I emailed XXXX XXXX they immediately emailed me back and said they no longer do emails. 

All I have is the printed receipt. And a lot of failed phone calls. 

In addition to this incident, which is still ongoing I want to make a complaint about the Bank of America Application. 

They have left 2 open accounts for retirement/benefits open in the app that have no money in them. 

One is with XXXX who I worked for for 1-2 years And the other is with XXXX who I worked for in XXXX  The app has kept those accounts open with no money in them for no reason and Ive tried telling a banker this over the phone and they simply said thats Just the app. 

And that was where the conversation ended and I still have those accounts just sitting in the app. 



Thank you 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 2024-03-17 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: TX

Complaint narrative:
I recently checked my credit report, and noticed accounts that are not mine. I have never done business with these companies, and have no knowledge of these accounts. I have contacted the credit bureaus, and asked them to immediately remove them 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 non-monetary relief
Consumer complaint received 2024-03-17 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: MD

Complaint narrative:
I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I did not apply or give consent or written permission for my information to be used for credit and there are fraudulent accounts being reported. This is a violation of my consumer rights per 15 USC 1681b. In accordance with 15 USC 1681c-1 and 15 USC 1681c-2 the items identified as not mine/identity theft are to be removed. The bureau 's are violating 15 USC 1681eb also which states " maximum accuracy '' on consumer reports and they haven't adhered to this .SEE ATTACHMENTS

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
AMEX has applied my negotiable instrument as instructed, however I am not able to use my credit card because of credit limit they have applied to my account which should be open-ended. I have made multiple attempts to discuss this with AMEX to not avail. 


15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Definition based on banking law : Account means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit.

Applicant means any person who requests or who has received an extension of credit from a creditor, and includes any person who is or may become contractually liable regarding an extension of credit. For purposes of 1002.7 ( d ), the term includes guarantors, sureties, endorsers, and similar parties.

Application means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I had sent a verification request to this company and to date they have yet to respond. In the dispute letter I listed the items I need in order for me to verify it. See attached. West Lake claims that I owe them a debt and that they have suffered a loss from when I " purchased '' the vehicle however when I requested The Book Entry Securities ( also referred as uncertificated securities or paperless securities ) and the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves creditor has suffered a loss they never responded. This is false and deceptive collection practices. Additionally, they reported an additional account on my transunion consumer report and that account has the same account number, balance and collection status except that it is being reported as a mortgage clearly showing that they are willing to violate the Fair Credit Reporting Act as well. See attached exhibits. If this agency continue violating the procedures and requirements of both Fair Debt Collection Practices Act and Fair Credit Reporting Act, I will seek legal action as they are falsely sharing information on my consumer report thus defaming my character.

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 2024-03-17 00:00:00
Product: Credit 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: Chime Financial Inc
State: AL

Complaint narrative:
I bank with chime they let someone steal all my money off my account denied my dispute..then talk to me XXXX hang up the phone..the lady XXXX said that all XXXX trying to do is get over on them .that was a XXXX remark.because I ask for my money..so really need help recovering all my funds..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have paid my original balance with Capital One along time ago. On XX/XX/year> I paid my entire balance of {$250.00}. My balance, at that time, should have been {$0.00}. But for whatever reason paying after XXXX on the due date earns you a Late fee of XXXX XXXX For most companies it's by XXXX on the due date. I've called the company numerous times to ask them to take off the late fees. But they refuse to take off the fee and are not working with me. Like I said, I paid the original balance on my due date. I paid at about XXXXXXXX XXXX on the due date. They have since continued to charge me a late fee every month and also charged interest. .... This is all from a XXXX $ late fee they refused to take off, not from an actual balance I didn't pay, it's from a fee. My balance is now {$180.00}. The way they continue to pile on these fees is Predatory and unethical. My balance should be XXXX XXXX I paid my entire balance at XXXX instead of XXXX. Does this deserve a {$180.00} penalty fee? These actions, from the credit card company, are reprehensible and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I have repeatedly requested to be removed from the SoFi 's marketing campaign ( via print correspondence in the mail ), including in XX/XX/XXXX, XX/XX/XXXX, and prior instances. As I have moved multiple times, I have also requested this at multiple address locations. In addition, I currently have an account with SoFi as I refinanced my student loans with them, so I am an active customer with their student loan business.

I had requested removal as, in many instances, these mail are marked as " Important - Time Sensitive '' on the outside of the envelope. As a customer with a student loan, I've always assumed that this was related to some immediate attention needed for my student loan. I have been repeatedly dismayed to learn this was simply marketing mail, and am beginning to become distraught due to the mental anguish SoFi is causing me. 

Further to that point, I called SoFi to request removal from their marketing mail. During a brief call, I was informed that no prior requests were fulfilled, that my account could not be found ( by either my name, address, or email ), and that stopping mail at one address did not preclude stopping mail at another. In the best case scenario, this is gross negligence and ignorance across the operations of a large financial institution. In the worst case, this is causing additional financial stress that is not needed, failure to following current privacy laws and FTC guidelines, and an intentional endeavor by SoFi to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : 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

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf. Per the FCRA, the below accounts should not be furnished on my report. These reports are in VIOLATION of 15 U.S. code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) IN accordance with the WRITTEN instruction of the consumer to whom it relates. I NEVER GAVE this consumer this consumer my instruction or written consent to report anything on my report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. I am demanding removal of the following accounts and inquiries : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
Mohela did not reimburse my XXXX over payments with my PSLF Loan Forgiveness. My Mohela account number is/was XXXX. When I tried to contact them about this I was unable to log on because they closed my account and I was unable to file a complaint with them about not reimbursing my over payments. 
Prior to my PSLF Forgiveness in XXXX of XXXX, I had a hard time even getting my PSLF forgiven ( they " lost '' my PSLF application ) and only after filing the many complaints did they finally acknowledge and had my PSLF loans forgiven ). To accomplish this I had to file a complaint with, XXXX ( case # XXXX and XXXX ), and CFPB ( complaint # XXXX ), and contacted the White House XXXX XXXX No. XXXX ) and I had sent Mohela my payment history which clearly provides evidence of over payment ( see attachment ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed a few items on my credit report that were not mine I filed my police report and sent in my dispute letters on XXXX XXXX as the police department told me to when my report was approved and transunion removed the account on XXXX XXXX and then on XX/XX/2024 the account was added back on. I tried to contact the company XXXX XXXX XXXX myself telling them that this account on my credit report is identity theft and fraud because it was not me and gave them my police report number and they mailed me a latter stating they couldnt confirm my claim of identity theft even after I gave them my police report number. I feel hopeless and dont know what else to do. This item on my credit report is hindering my identity, my life, and my credit.

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 2024-03-17 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have checked the report which your company branch has sent to me, dated on XX/XX/year>. Since another credit report which came from New Jersey state indicated all bank account information, which are checking and saving accounts, I would like your company to include this information into my credit report from your company. If not, I request your company to explain why the credit report company of Arizona State has included them and not yours. 
Also, I seriously wish you will mention my name properly as XXXX XXXX. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: TX

Complaint narrative:
I recently checked my credit report, and noticed accounts that are not mine. I have never done business with these companies, and have no knowledge of these accounts. I have contacted the credit bureaus, and asked them to immediately remove them from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: SC

Complaint narrative:
Experian Failes to remove inaccurate information from my report yet again. Federal Law requires that the information contained in a credit report be 100 % true or be removed. It does not state that if we raise a complaint with the CFPB XXXX  or any other businesses that the information be reinvestigated and allowed to remain on a credit report. How Can a debt status be change from XXXX XXXX XXXX back to XXXX and so on. This is illegal practices and needs to be corrected at oncce. I sent my receipt copies to Experian because my acct had not been updated and then the acct was marked paid and the status changed to futher harm my credit. 

, 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.

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 2024-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
This company is harming my reputation with its false and deceptive collection practices. They claim that I owe a debt however when I asked for this information to be verified by providing me the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries which basically is the procedures for accounting records that all financial institutions must follow as federal law dictates, this company refuses to give me what I asked. Additionally, they decided to report this false and unverified information to consumer reporting agencies which is a violation of 15 U.S. Code 1681s-2 as they can not furnish information that they know is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
15 usc 1681 reporting accurate and fair information this account has been charged off with reporting inaccurate information such as a past due amount different " open '' dates are not reporting the same, along with inaccurate reporting different last active and last payment date with all three credit reporting agencies are all different all the dates are reporting inaccurate and this account needs to be REMOVED/ DELETED

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