vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I attempted to withdraw {$50.00} from XXXX XXXX XXXX ATM at XXXX XXXX XXXX XXXX XXXX MA on XX/XX/2023. The machine gave an error message and did not issue any funds. I was still charged the {$50.00} plus the {$2.00} ATM fee. After notifying Bank of America, they issued me a temporary credit while they conduct their own investigation. After which they concluded they found no wrongdoing. I filed a complaint with the Dept of Banks which referred me to this site to try to resolve 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 monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2023-11-27 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: MOHELA
State: OR

Complaint narrative:
First, there are extremely long wait times to talk with Mohela representatives. I waited 45 minutes today to speak with someone who couldn't fix the issues. Once on the call, I was put on hold for another 45 minutes, waiting for a supervisor. 

Second, I have set up auto debit payments on my Mohela account. The financial information is correct because I can make one-time payments. In XXXX and XXXX, I received email notifications that my financial institution had declined the payment request. I contacted my bank and they have no record of a payment request. They did have the record of the one-time payments that I made late. The financial information for the monthly payment and the one-time payments are exactly the same. Apparently, Mohela can receive one-time payments but their auto debit system is not working and they are threatening to report me to credit reporting agencies. 

Third, on XX/XX/XXXX I submitted a PSLF Employment Verification letter. I have confirmation from the Department of Education that this letter was sent to Mohela on XX/XX/XXXX. This verification confirms my employment over the last 2 years and will affect the number of payments that I have yet to make. They said that it could take up to 90 days to process this ( which is an unacceptable amount of time to begin with ). After 100+ days and 1.5 hours on hold, they said that there was an issue with the employer signature. After asking them what the issue was, they couldn't tell me.

This system of hiring out for-profit companies to manage student loans is crazy. What incentives do these companies have to provide adequate personnel and services? I'm literally still on hold after asking to talk with a supervisor to try to figure out what else I can do to have my auto payments work and to see why my PSLF verification hasn't been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION if the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: NH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c-21 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION if the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-11-27 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: WI

Complaint narrative:
The Credit bureaus stated XXXX XXXX ( original creditor XXXX : XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate and the date last active is inaccurate and the date last reported is inaccurate. This is grounds for Automatic removal. XXXX XXXX original creditor XXXX : XXXX XXXX VIOLATED MY RIGHTS UNDER 15usc 1681 Section 604 A Section 2 The law clearly states a consumer reporting agency can not furnish account without my written instructions I HAVE NOT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON 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 2023-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: FL

Complaint narrative:
on XXXX XXXX XXXX  reported a account to Experian that is not mine this is the second time this happened the first time it happened I was able to get Experian to delete it. 
plese help me with this

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 2023-11-27 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
CITIXXXX XXXXXXXX XXXX XXXX XXXX JCPENNYXXXX XXXX In accordance with the Fair Credit Reporting act this creditor has violated my rights under 15 usc 1681 section 602 states, I have the right to privacy. Under 15 usc 1681 604A section 2, a consumer reporting agency can not furnish an account without my written instruction. 15 usc 166B, states a creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose.

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 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Indie Technology DBA Found
State: CO

Complaint narrative:
Been a customer for almost 2 years. Had a replacement card stolen and used and haven't been able to get credited for the amount that was stolen. 

Heres the summary : XXXX  - I was notified of the requirement to get a new debit card. I didn't request it, but was told it had to be done because they were upgrading their systems. 
XX/XX/XXXX - Card was delivered. I got notifications to activate the new card. I didn't activate it because I had not retrieved it out of the mailbox yet. 
XXXX  - Card was Stolen out of my mailbox before I could retrieve it. I have XXXX XXXX footage of this. 
XX/XX/XXXX - Card was used by thief XXXX  - I disputed the transaction and requested to have the card canceled immediately via email - the only way to get in touch with Found at night. 
XX/XX/XXXX - Card was used by thief about 25 more times for a total of ~ {$3000.00} XXXX - Chatted with Found support to cancel the card. The support rep admitted that there was no way for me to cancel the card myself, because I did not go through the " activation process. '' Attached is part of the chat that shows the card wasn't activated. 
XX/XX/XXXX - Reported all fraudulent transactions. 
27 business days with no update or provisional credit applied. ( Well beyond Reg E requirement. ) XXXX - Was informed that only some fraudulent transactions would be credited, but not the other ~ {$2300.00}. I tried to speak to somebody who could help, but the support reps wouldn't allow me to speak to anybody in the Risk department about the transactions. Over the phone, the rep did confirm that debit cards are sent in the mail already activated and available for use even though all messaging indicated that it would have to be activated prior to being used. I was told I would receive a call back from a supervisor who might be able to help. 
XXXX  - Asked for more information/details; requested to speak with somebody countless times with slow/no response XXXX  - Email response from a rep indicating that I was responsible for the charges because I didn't keep account details/PIN secure, but no details about this. 
XXXX - Sent email with mention of Reg E non-compliance with XXXX copied XXXX  - No update or resolution communicated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I opened a checking account in XXXX XXXX with Navy Federal Credit Union ( NFCU ), deposited {$25.00}. I was informed that restrictions were placed on this account due to results from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the results through XXXX XXXX XXXX in XX/XX/, the reporting agency. My bank confirmed that I was not liable and XXXX later notified me in writing ( and provided a copy of the updated report ) that the reported item was removed. On XX/XX/, I received a letter from NFCU stating they " requested the removal of the disputed information. '' However, the restrictions were not lifted ; and therefore, I can not access my account. I called the NFCU toll-free line on XX/XX/, requesting that the restrictions be lifted. My request was denied, and the representative stated that I needed to take the updated report to one of their branches ( 30 mins away from home ). I opted to call XXXX to inquire about how they report the updates and they stated that there is a live database that NFCU should have access to review the updates. I called NFCU back on XX/XX/ and learned they were unaware of this database. 

I took the updated XXXX report to NFCU on XXXX requesting restrictions to be lifted. The representative stated that she was unfamiliar with this kind of case and contacted two next-level representatives, who could not help. I requested to close the account instead. This request was denied. I requested information for filing a complaint twice before receiving contact information for the Consumer Financial Protection Bureau ( CFPB ). I was not provided a direct contact for the institution to file a complaint. The representative also communicated with the manager, who stated that they needed the dates of my phone calls to their toll-free numbers in order to escalate. I provided this information. I was also directed to the security department, which MAY be able to help me. There seems to be no protocol to address my issue, and they are withholding my funds even though I submitted proof of the updated report from XXXX and provided them with the letter they, NFCU, sent me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Your company is in violation of the FCRA and XXXX Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) dates include in attachment.

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 2023-11-27 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: IL

Complaint narrative:
Experian is reporting fraudulent addresses on my credit report, which are not mine, I have never lived at this addresses. 

These are the addresses : 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 explanation
Consumer complaint received 2023-11-27 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: Denefits LLC
State: PA

Complaint narrative:
Hello Team, Due to the pandemic my credit profile was damaged as there were lo of errors and inconsistencies in the credit report. To fix this i joined a credit repair company named 90 days credit repairs. They falsely claimed me and said they will give XXXX points increase warranty in 90 days. Also they tricked me and put me in a contract spanning for 1 year and i was asked to pay {$100.00} per month for their services. I agreed and started paying them monthly {$100.00} and i paid for 3 months. However they did not show any results not even a single point of increase on top of that they did not communicate well or did not showed any transparency as what were they doing. Even after multiple attempts nothing changed and their claim of XXXX points warranty in 90 days went false. 
Since this was my first time to work with a credit repair company i still gave them a chance and waited for more 90 days but still there were no meaningful results. 
During this period they put a contract account by name Denefits LLC on the Credit Bureaus and started reporting Negative acitivity on my credit profile damaging my credit badly since i had stopped paying them. 

Now Denefits LLC team are Harrasing and Threating me that they will file a lawsuit against me in the court for a amount of {$700.00} +. they are giving me regular phone calls and harrasing me also they re asking e to settle down this contract by paying {$700.00} + amount. 

I need immediate help to get out of this situation, Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/ initiated a transfer from BMO XXXX  Online Banking in the amount of XXXX XXXX to an external account. Website says the transfer will take 1 business day for approval. Called XX/XX/ to follow up as I did not get any confirmation or rejection email nor did it show up as a pending transaction on my online savings account page. Their website shows it may take 2-3 business days total but they did see a pending transaction on their end to underwriting. Fast forward to XXXX  called back yet again to find out what was going on with the transfer and the rep said they didn't see any pending transfers, thus concluding they either rejected it or it was never processed correctly. Reinitiated a new transfer and told to wait 24 hours to check pending status.

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 2023-11-27 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: TX

Complaint narrative:
I have been affected by XXXX XXXX and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts 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 explanation
Consumer complaint received 2023-11-27 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 have been affected by XXXX breach and I have accounts and incorrect information on my credit reports. I have filed multiple claims and I want these accounts 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 explanation
Consumer complaint received 2023-11-27 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: NC

Complaint narrative:
A fair resolution to this issue would be for the credit reporting agency to take immediate action to delete the fraudulent items on my credit report and provide monetary relief for any damages suffered as a result of these inaccuracies, as outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b ( a ) ( 2 ) and Section 1681c-2 ( a ) which requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of credit reports and failure to do so can result in liability for damages, attorney 's fees and costs, and statutory damages.

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 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/XXXX as I was shopping, a customer service agent asked me if I would like to apply for a store credit card. I informed her no due to a hard inquiry would come on my account, and the customer service agent still went through and processed the store credit card without my knowledge. They asked for my ID to match the card I was using, but they were filling out the store credit card application, which I did not approve of.

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