vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Both my parents recently passed a week apart between XXXX and XXXX. I was left as a Beneficiary for a Bank of America account for the amount of approx. {$120000.00}. My only choices for having access to the funds was to transfer it to an existing BOA account, a mailed check or open a Merrill Edge Account, I chose to open a new Merrill Edge Account because I am currently traveling abroad and figured a wire transfer to my Credit Union might make things easier. It has not been. I started the transfers to my credit union on XX/XX/XXXX, received an email saying they received the wire transfer request. Since then it has been a nightmare as on Friday the XXXX of XXXX I tried to access the Merrill Edge app to find out I was locked out and that I needed to call a XXXX number for further assistance. The representative informed me that my account was under review and had no further information regarding the matter. With the exception of Sunday, I have been trying really hard to find out anything regarding my account and everyone at Merrill Edge service center has informed me that there is nothing they can do and can not tell me why, who or when I can either get an answer or access my account. They have essentially highjacked my funds and I don't know what to do or even who to speak with that might shed some light on what is going on. I'm still grieving over my parents death and I still need to take care of other things associated with the death of a loved one including lawyers, funeral home, estate etc. The lack of empathy and transparency regarding my account is unheard of. I am reaching out to you to file a complaint as this is the only thing I can do right now. Representatives at Merrill Edge Service center also told me they could not even give me the name of the department responsible for handling the case. Numerous calls to Merrill Edge and not one response back have left me here. 

There's no protocol here- just the same rote message " the account is under review, no further information is available ''. Are they not supposed to notify me of what's happening?

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 2023-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony bank has struck again!!!! Now they're slashing credit limits two at a time!. My original credit limit was {$1000.00} now it is {$100.00}. I paid the account regularly and in fact, paid it off. This is hurting my credit and I have no control over it 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 2023-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
This debt does not belong to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: MA

Complaint narrative:
I made several attempts via Social Media and App Help Desk ( per the described, outlined methods of contact in the outlined contract ) revoking ACH and debit access to my account. On XX/XX/23 I made 3 requests for due date extension, which went unacknowledged. I proceeded on XX/XX/23 to revoke account access expressly and in writing via the XXXX XXXX XXXX and Social Media XXXX. Both requests were acknowledged as received, however XXXX only moved forward with due date extension and I still had to confirm and continue w/ revocation. Revocation of ACH was completed on XX/XX/23, however XXXX representatives state it is impossible for them to revoke debit access. This has been said multiple times by them in writing. They then processed XXXX $ debit on my card after revocation - XXXX still pending ( unauthorized ) withdrawal XX/XX/23. I opened a XXXX  complaint against them, and they keep updating the XXXX complaint requesting I email in on the original email chain. I did XXXX, no response. i created a new ticket, no response. I called today and spoke to manager XXXX, who says original ticket is closed, no one will respond to that ( so why they are instructing on the XXXX ticket for me to email in on an inactive ticket is beyond me, and why they didnt respond to new ticket is beyond me ). XXXX confirmed it is impossible for him to revoke debit access, but they have escalated to corporate to investigate and someone will call me back. I requested a timeline of callback, they refuse to provide one. I told them I intended to file Attorney General complaint ( i did today ), any other complaint within my legal rights, and consult a lawyer if possible. I also will put a stop payment to them on all debits/charges, which costs me XXXX $ that I should not have to pay, to try and ensure that the payment doesnt process, but I am concerned they will change their name slightly to take the funds, as well as break the amount up, after I have revoked access to my account and they have no legal right to do. It is of note, we are well outside of any needed payment revocation authorization window needed, so any request to revoke should be able to be processed, as payment date is XX/XX/23 and I have been requesting in writing since XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: MD

Complaint narrative:
I called them about what appears to be a misapplication of my payment. No one could appropriately explain to me what the issue was and the one person who tried to sent me to another department to get it resolved but I was left on hold for over 2 hours. I am currently being charged interest on loans that should be paid off or nearly so. It looks like they are over charging me interest or penalizing me for early pay off in some manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-11-16 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-11-16 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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 2023-11-16 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: SC

Complaint narrative:
Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with XXXX, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.

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 2023-11-16 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: GA

Complaint narrative:
I am not responsible for this account, have tried to remove the inquiry from my credit score but company was not able to resolve the issue. 

XXXX XXXX XXXX Opened on XXXX In the amount of : {$150.00} I have not given consent to any type of payment for services. This is not my responsibility as I have no commitment with XXXX XXXX XXXX. The company who sent me to collections has been in prior communication and I have notified on multiple occasions via email, mail & in person of this ridiculous amount that has been accumulating throughout the year. I have no association with them and have proof of all closure.

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 2023-11-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
The advertised interest rate was not honored. I opened an XXXX XXXX XXXX account because of promised interest rate of 4.5 APY ( 4.4 APR ). However, the bank credited less interest for the month of XXXX. It was because of an issue on their system. It took few days to rectify the issue. During this period, I was given a very low interest rate. When I tried to contact the bank multiple times regarding this issue, they didn't respond as promised. Please find in the attached document that the APY ( 4.24 % ) is less than the APR ( 4.4 % ). This is because of the issue I mentioned above.

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 2023-11-16 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: NC

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed 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 explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have requested documents, and I have not received anything

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 2023-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Kikoff Inc.
State: MD

Complaint narrative:
This is my second complaint because Kikoff dont have a way for me to contact them so I can verify my information so I can get my money back at least. Before I was trying to keep an account with them but all I literally want is my money back that they owe me which is {$220.00}. They have my email and phone number. There was a point when I did get one reply from a email about 3 months ago when I first started having problems but having gotten a reply since. I definitely feel like I should be compensated for having to wait so long to get my money back and Ive been trying everything possible to try and reach them. I feel like theres no effort on there end to get me my money back. Kikoff Im still reallly upset on how yall handled things and this really show yall dont care about people at all. I have been through some tough times where I really needed my money back and there was nothing I could do about it. Just please contact me and compensate me for not getting my money back in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have a fraudulent loan with XXXX XXXX  of {$3000.00} and it has been under investigation since around XXXX XXXX. XXXX XXXX Continues to not help or resolve the case and it is continuously hurting my credit. I have put in fraud claims with XXXX XXXX, XXXX police  on XXXX XXXX and with be going today to put in a report with XXXX XXXX Superior Court. I am requesting this loan to be taken off my credit because it is not my loan and I am not at fault.

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 2023-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc.
State: TX

Complaint narrative:
I received a card in the mail from XXXX. 
It never applied for the card. 
I called the company and asked the account to be closed, yet they did not talk to be about it. They said they will only speak to the account owner! Which is probably the hacker who stole my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
XXXX  OneMain Financil location called from XXXX ( XXXX ) XXXX XXXX from OneMain Financial called. My car payment was one day late and I did cancel my payment. There some other things that took place with my family that week and I had to take care of that. I explained that I would call back to make the payment before the holiday. XXXX continued to be pushy and started to use language like the loan is secured by your vehicle as if to intimate me. I told her I am aware of that and I will be sure to do this before the holiday. She continued to pressure me and I continued to say I have something going on with my family might at that moment and I finally had to hang up on her. 

I went online to pay the payment because OneMain already called me earlier that day about two hours before. I knew if I did not submit the payment today they would continue to call because sometimes they call XXXX times a day. This is not first time someone from one of their offices has called be being a total jerk. They have no tact when speaking with customers and treat us like a collection cases of people with no value. This is why I dont like talking to them on the phone and ignore the calls if I can not make the payment right then. They make consumers feel worthless and they are very aggressive. 

I called back and asked to speak with XXXX supervisor and they were busy. I told her I did not appreciate her tone and her response was she was just doing her job. Admittedly, I told her that she did not have to be an ahole when doing her job. I was very upset to be interrupted while at was dealing with a family emergency. I should not have said that, and I do apologize for it. She made me feel bad about myself and had no empathy. She does not know what is going on in my life and I dont have to disclose it. People should be treated with respect instead of a task to collect money on their dialer. How does she know if someone did not die in my family that week? She didnt, all she could do was worry about the payment so she could do her job.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I told XXXX, Transunion, XXXX to reinvestigate these accounts ; Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However they stated everything was complete and accurate. But how is that possible if open date, dateof last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C. 1681 section 602 A. States I have the right privacy. 15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 15 U.S.C. 1681c, ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also they aren't even in compliance with metro 2 credit reporting, I have evidence to prove my case.r

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