vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 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: NY

Complaint narrative:
On XX/XX/2023 I purchased a plane ticket to XXXX from XXXX. I purchased through XXXX XXXX I was going to see my mother that was over there. The flight was for XX/XX/2023. I was unable to make my flight as i became sick with covid. As i am asmatic I did not want to risk traveling and getting my mother even more sick. I contacted XXXX XXXX. They stated that they could refund me the flight due to the circumstances. The price of the flight was over XXXX XXXX I ended up only receiving back XXXX XXXX I tried to speak with the airline but never recieved an answer. I then attempted to file a chargeback with Bank of America. They stated that due to the airline giving me a partial amount BOA couldn't do anything for me. I have tried and tried to get my money back but I do not know what else to do. Please help me

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 2023-12-05 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: MS

Complaint narrative:
XXXX XXXX XXXX sent claim for XXXX on XXXX XXXX to XXXX, TN received it XXXX, XXXX processed it XX/XX/2021 for {$680.00} creditor turned medical account over to XXXX XXXX of TN on XXXX XXXX not even 180 days after first bill and they reported it to credit reporting agencies in which I disputed it with Equifax showing the companys in violation by law and should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: DC

Complaint narrative:
TransferWise ( also known as wise.com ) changed their underlying routing and bank account numbers without due notice. Because these numbers are used by my bank for automatic deposits over {$100000.00} funds are currently unavailable to me. 

Wise claims that the funds would bounce back after 5-10 days to the originating bank, but after this period, the funds were still not available. 

In order to resolve, I've had to reach out to their previous banking provider who owns the " deactivated '' account, XXXX XXXX XXXX XXXX. This bank required XXXX numbers for each wire transfer ( 3 total ) which I've had to chase down requiring many hours of my time. 

I still have not received the funds after providing the numbers. XXXX XXXX XXXX XXXX said it could take a week or more. 

Note I do not fault XXXX XXXX XXXX XXXX for this problem, but Wise for lack of due diligence in migrating user accounts to their new banking provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
Aidvantage refuses to properly process payments and apply them to loans as appropriate. They send a bill wil the total due. They do not tell you that you need to make individual payments to individual loans in the bill they send you. They then penalize you for not paying a loan that should have put the payment towards. They tell you that you are delinquent. And that it is your fault for not paying the loan. They then tell you to mail the payment with a note saying how much goes to each loan. They then take 8 days after it arrives by certified mail to process the payment. After this they again send you another bill saying youre delinquent and owe more. They refuse to fox the issue and try to force you into autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: IL

Complaint narrative:
I went to check my credit report and Wakefield and associates was on my credit report. The original creditors is listed as XXXX XXXX XXXX XXXX. The date reported is XX/XX/2023. The amount is {$1200.00} dollars. I never applied or heard of this company. I did not receive a loan on my behalf in my name nor social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX of this year I full my balance off at XXXX XXXX of {$1800.00} Check was date XXXX. As of today XXXX the balance is still showing on my credit report with Transunion. I have spoke with Transunion several times and each time I am told they will remove it. It still has not been removed.This is ridiculous we are going on three months now. I have proof that is had been paid and I want it off 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
Consumer complaint received 2023-12-05 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was trying to purchase a house and I received a copy of my credit report and found these items to be incorrect. According to act 1970, 15 U.S.C SS 1681 et esq., I demand that these items be reinvestigated and deleted from my credit report. This is defamation of character. 

XXXX : AFFIRM INC XX/XX/XXXX {$830.00} AFFIRM INC XX/XX/XXXX {$330.00} AFFIRM INC XX/XX/XXXX {$330.00} XXXX XX/XX/XXXX {$8500.00} XXXX : ( hard inquiries ) XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Equifax has been hit with a security breach in XXXX that was reported in XXXX. I placed a security freeze from their website https : //my.equifax.com/membercenter/ # /login around XX/XX/XXXX. The security freeze has been active since. Recently, I've tried to remove the security freeze by login to the website with my credentials. 

I've been unable to login to Equifax to remove the security freeze at least since XX/XX/XXXX. I've tried resetting the password but it does not work. I called customer support on XX/XX/XXXX to give me access to my account but they were unable to reset my credentials. They escalated my issue with number XXXX but they did not fix the issues within 7 to 10 business days. 

I've called twice ( XX/XX/XXXX and XX/XX/XXXX ) and both times the customer support was not able to reset my password nor give me link to reset my password on my own. They did offer me help to unfreeze the credit report by calling them. However, I would like to freeze/unfreeze on my own without requiring to call customer service every time. 

I'm asking Equifax to give me online access to my account and let me decide when I would like to freeze or unfreeze my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TN

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, Account # XXXX is reporting inaccurate information.

FCRA laws states all information must be 100 % accurate with all credit bureaus 1.Date Opened 2.Date of Last Activity 3.Balanced owed 4.Account 5.two-year payment history 6.credit limit this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following t
he Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate.

pls remove or delete account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 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: GA

Complaint narrative:
Experian blocking access to account because phone number they have is incorrect, rendering my inability to unfreeze so that creditors have access. 
I have been unable to move forward on loan applications They refer you to a phone that you can never talk to customer service. They should not have that kind of power over consumers.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I MADE A {$10000.00} ACH PULL TRANSFER FROM MY XXXX XXXXXXXX XXXX ACCOUNT TO SANTANDER BANK CHECKING ACCOUNT XXXX XX/XX/23. 
ON XX/XX/23, SANTANDER BANK REJECTED THE TRANSFER AND SENT ME AN EMAIL STATING THEY ARE TRANSFERRING BACK THE FUNDS TO MY XXXX XXXX XXXX  CHECKING ACCOUNT AND TO CHECK MY XXXX XXXX ACCOUNT IN THE NEXT FEW DAYS. 
I CHECKED ON XX/XX/23 BUT NO RETURN OF FUNDS TO MY XXXX XXXX CHECKING ACCOUNT. 
AND THERE IS NO TRANSACTION HISTORY SHOWING UP IN MY SANTANDER BANK THAT THE MONEY HAS BEEN RETURNED. 
CALLED AND SPOKE TO SANTANDER BANK FRAUD/SECURITY TEAM AT XXXX AND THEY SAID THEY ARE HOLDING THE FUNDS AND THEY ARE UNABLE TO RETURN THE FUNDS AND WANTS XXXX XXXX XXXX  TO CLAIM IT FROM THEM. 
XXXX XXXXXXXX XXXX SAID THEY ARE UNABLE TO CLAIM FROM THEIR END. 
THE TRACE NO FOR THE ACH TRANSFER IS XXXX. 
CAN YOU PLEASE HELP ME GETTING MY MONEY BACK TO XXXX XXXX CHECKING ACCOUNT? THANKS A LOT!!

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 2023-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For the past XXXX months, Synchrony Bank holder of the XXXX credit card has been charging me interest despite the fact that Ive been paying my new balance in full. 

I have a promotional balance thats on deferred interest. I auto pay $ XXXX mo to cover that purchase. 

I then paid an additional $ XXXX month to cover the new charges on my card that are slightly under the {$45.00}. 

I have to call XXXX every month to have my auto pay reallocated to the promotion. 
When they do this, they put generic charges on my card and then credit them. However, because the reallocation is done in that manner, its always wrong and XXXX charged interest and I have to fight with them to have the fee reversed. 

In XXXX, I had a {$20.00} charge and the payment was due in XXXX. I called to make the payment and ask to have the {$65.00} reallocated. I was told I had to pay {$95.00} to ensure that I was not charged interest in XXXX ( On my XXXX XXXX ). 

I told them that I did not make $ XXXX of new payments so I did not have to pay $ XXXX on top of the {$65.00} of auto pay that they already took. 

I was told that in order to avoid interest, I had to pay that. I refused!! I only made a new purchase of $ XXXX and that I was not going to pay $ XXXX on top of the {$65.00} that they already have. 

They are purposely charging interest that is not owed. And then there is a fight to get it reversed. 

They need to stop stealing from the consumer!!

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/2023, I called a number I believed to be XXXX support, having received a notification that an unknown person had logged in with my XXXX id on another phone. I was connected to a man who identified himself as a fraud specialist who instructed me to download a screen sharing app. He directed me to settings and showed me numbers that he said were large amounts of money that hackers were spending via my phone. In the course of the next five or so hours he had me make XXXX and XXXX payments to friends who then sent the money back, make two transfers via Citibank 's XXXX component and finally to transfer {$12000.00} to the account of XXXX XXXX at XXXX XXXX XXXX, all in a supposed effort to thwart the hackers. He made every effort to keep me on the phone. At a certain point, around XXXX XXXX, I realized that he was an impersonator and hung up. I called the bank immediately and they stated that they would begin an investigation. 
The bank never contacted me while these expenditures and transfers were going on. I received no alerts from the bank. Their denial of refunds pursuant to fraud are based on the claim that the transactions could be considered normal banking activity. 
I have an overdraft protection ( Checking Plus ) for the amount of {$8000.00}. This was entirely depleted by the wire transfer, so that I now owe the bank {$8000.00}. 
I have never previously used XXXX, never wired large amounts of money anywhere, have always maintained a positive balance in the account and write checks to two or three entities a month at most, in which light I fail to see how the rash of transactions reflected in the attached documents constitute " normal banking activity. '' While I of course accept responsibility for my gullibility and foolishness, I also think Citibank bears responsibility for allowing so many substantial and highly unusual transactions to go forward unquestioned and that they failed to meet the standard of stewardship of my assets consistent with their charter.

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 2023-12-05 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: NJ

Complaint narrative:
Credit Bureau reported a XXXX XXXX XXXX XXXX XXXX off Account on my credit report, as it appears to be in violation of the Gramm-Leach-Bliley Act ( GLBA ) and its provisions regarding Non-Personal Information ( NPI ). 

Per the XXXX, XXXX includes any information provided by an individual to obtain a financial product or service, such as name, address, income, Social Security number, or other application-related details. Financial institutions are required to provide an initial notice to customers at the establishment of the relationship and an annual notice thereafter. 

It has come to my attention that the charge-off on my credit report is inconsistent with the XXXX 's XXXX, as I have not received the necessary notices and information regarding the handling of my NPI. Specifically, I have not been provided with an initial notice at the establishment of the customer relationship or an annual notice thereafter, as mandated by the XXXX Moreover, if my XXXX has been shared with nonaffiliated third parties, I have not been given the requisite opt-out notice, a reasonable way to opt out, and a reasonable amount of time to exercise my right to opt out before any disclosure. This lack of compliance raises serious concerns about the handling of my financial information. 

I kindly request a thorough investigation into this matter, and I expect the immediate removal of the charge-off from my credit report if it is found to be in violation of the GLBA. Failure to do so XXXX result in penalties outlined in the GLBA, including fines and potential legal action. 

I anticipate your prompt attention to this matter and a written response detailing the steps taken to rectify the situation and ensure compliance with the GLBA.

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 2023-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a collection my account that shows this month XX/XX/2023. I have never seen this collection or was even aware of it, when you click the name is it not me. Also, I have called the hospital and they said the date I was there was XX/XX/2023 I never went to a hospital around that time and i have never been to XXXX XXXX XXXX at all. I am confused why there is a collection under my report, I am not sure if it is fraud or what but this is not correct, and i would like this to be taken off my 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