vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So its still a year and Half and Bank of America is just now telling me that my account money is in a hold harmless account. Its always something new with this bank. Now it just feels like theft by bank 100 %. They have the audacity to tell me that transfers from somebody elses account who paid me money which is a 3rd party transfer is not the same as XXXX which is also a third party transfer. And looking into the Hold Harmless agreement of Bank of America led me to the servicing agreement on their website which states that transfers between one individual in their banking system and another individual in their banking system is very possible yet in my case they keep telling me its 3rd party. The funds do not have a court ordered lien on them and they havent been called back by their institution which my friends have stated to me on many occasions that the bank and system used to send me the funds was Bank of America. The bank know this, I know this and my friends know this. I even found on their website where they state funds can be transferred from one individual to the next via transfers within the system. Bank of America yet still keeps trying to tell me that Bank of America did not initiate these transfers when in fact it was done in their system. I even found proof on their website which I will be including in this report. They keep telling me they also sent me a check in the amount of {$1100.00} which I never received and they just keep telling me a different story every time related to this check and I have to wait 4 months at a time for a response. Now I feel some sort of prejudice is being done on Bank of Americas behalf in my case. Because Im a man of XXXX they feel that I didnt earn my money the proper way and its really feeling like a XXXX discrimination situation in this case.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: CT

Complaint narrative:
I notified Discover that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank You XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
In XX/XX/XXXX I learned that Capio Partners had assumed a dept of XXXX XXXX that was carried on its books as overdue. I had paid the debt via my XXXX account on XX/XX/XXXX and according to XXXX XXXX XXXX XXXXXXXX XXXX ) it cleared on XX/XX/XXXX. I provided XXXX proof of payment back in early XXXX. I never heard from them again. 

After learning that Capio was attempting to collect this already-paid debt, I contacted them and provided proof of payment on XX/XX/XXXX. I assumed that they had closed this out because I did not hear back from them. 

I am trying to apply for a mortgage today and learned that they placed a derogatory note in my credit report in XX/XX/XXXX and I'm unsure if it's before or after my note to them with proof of payment. I spoke with them today and they said they'd research my claim of payment. My response to them is that they should have done this earlier when I gave them proof in XXXX, and that they're getting in the way of me getting a mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
This is a XXXX  home internet account that was paid in full when the service was canceled. The equipment was returned. I do not owe anything on this account. 

I have attempted to contact both the original creditor, XXXX XXXX and the collection agency, Amsher Collection Services . Amsher does not have any information about why XXXX claims there is a {$280.00} balance, and XXXX will not send me any documentation or accept payment unless I complete an " identity verification '' process that requires visiting a XXXX store. However, I am unable to complete XXXX 's " identity verification '' process because XXXX stores are unable to assist with home internet accounts that were opened online, as mine was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023, I opened a business account with XXXX. I was told by the representative that I should co sign for this business account. I asked if there would be a hard inquiry and he said it would only be a soft inquiry. So I agreed. A few minutes later I was alerted by TransUnion of a new hard inquiry by XXXX. I have spent hours on the phone with XXXX trying to get them to correct this, but they actually have no idea who handles this and dont seem at all concerned about trying to help.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the transactions to be reported on my consumer report. I have filed an Identity theft report and mailed it certified with tracking number ( XXXX ) to Equifax in which they received it on XX/XX/2023 at XXXX pm requesting that the reporting of this information be blocked and deleted within 4 days of recieving my notice and ID theft report. My request to block this information is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: VA

Complaint narrative:
Company has failed to resolve complaint to my satisfaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/2022 my chime banking account was hacked and still they do nothing about it while i was asleep someone changed my email address my pin and added there own go 2 bank account and this has been a nightmare my grandkids didn't have a XXXX do to this it was only XXXX and it may not seem like much but to us it was everything. We had no holiday and still to this day they have done nothing and they say they cant identity me i have done everything chime has asked of me and still nothing why cant you sue chime??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit inquiries were made fraudulently. One from XXXX and another from XXXX Bank on the same day, XX/XX/23. My credit monitoring company alerted me and I froze my accounts.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is in violation of 15 U.S.C 1681g. Equifax fails to expressly verifythe Account Type as an Individual account that could confirm this is my account that was executed in solely my name as an individual to appear on my Individual Personal Credit Report as an Open Account.My credit utilization rate is being impacted by a Business Account that should not appear in my Personal Individual Credit Report being reported as an Open Account by me Individually. Not even citing Joint with a Business nor any Business Account acknowledgment. 

Equifax responded around XX/XX/2023 that thetrade '' XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information modified and updated is incorrect, inaccurate, and false being reported on my Individual Personal Consumer Credit Report.XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. I am not the Individual solely responsible for the account as being reported on my personal consumer credit report. THIS IS NOT AN INDIVIDUAL ACCOUNT AS BEING REPORTED. 

Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX in the name of a Business and NOT AN INDIVIDUAL ACCOUNT. The Account is registered to a BUSINESS AND NOT ME INDIVIDUALLY. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bepensa Capital, Inc.
State: SC

Complaint narrative:
So I put a list of companies on my behalf thats on my credit report that I have no clue who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XXXX2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2021 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} XXXX  Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and Gap made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
VIN : XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Financed : {$38000.00} Monthly Payment : {$800.00} Reported Outstanding Balance at Date of Loss : {$32000.00} Vehicle Totaled : XX/XX/XXXX XXXX Paid : {>= $1,000,000} Gap Paid : {$1900.00} XXXX XXXX Showing Outstanding Principal Balance : {$8600.00} XXXX XXXX has falsely and inaccurately been reporting to all three credit bureaus that I have not paid any payments at all on the loan and still currently reporting that the loan is late by 60-90 days. It also shows that the balance is higher than the amount that was financed at the date of purchase, which is incorrect. I have made all required payments less than the 4-5 payments that were deferred. Even after XXXX and XXXX made their payments, XXXX XXXX has failed to update the account to reflect any payment received and the updated status of the account. XXXX XXXX XXXX XXXX is reporting as if I have never made any payments and owe them more than the amount financed, which is damaging and false.

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
So on XX/XX/XXXX, mobile deposits has been processed into my bank account. This amount was {$2000.00}. After that was processed, I was told to transfer back {$1500.00} since I was only supposed to have {$500.00}. I sent a XXXX transfer of {$1000.00}. I sent another {$500.00}, but was told that they did not receive so they told me to send {$200.00} first and then {$300.00}. This happened on XX/XX/XXXX. After the XXXX  payments has been processed, the mobile deposits that have been processed was returned back to the user, resulting an overdraft to my account. Those XXXX transactions that were made was completed with the money that was deposited to my account. I filed a claim with Bank of America, but they said they aren't able to give me back my money since it was an authorized transaction. I read about the Electronic Fund Act and have read a similar incident where they were able to get their money back. They authorized the transaction as well and have been scammed just like me. I read about the incident and it said that " the way the consumer financial protection bureau sees it, if someone " induced '' you into transferring the money- even if, technically, you agreed to it- your bank has to reimburse you. I waited XXXX business days to be disappointed from Bank of America. I never used any of the money that was deposited into my account. All I am asking is for my money to be returned 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 explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter concerning an alleged debt. I requested the original purchase agreement that shows they are the legal owner of this alleged debt and I asked them to include all the terms and conditions that are included in this purchase agreement. It is now XX/XX/XXXX well over the 30 day period they are required to respond in. Secondly, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX MN XXXX is not licensed to collect debt according to XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amscot Corporation
State: FL

Complaint narrative:
UPDATED INFORMATION NOTICE Regarding Freedom of Information Act Request. 

I believe AMSCOT and there representatives or Agents have discriminated on me as stated in NOTICE. 

SEE ATTACHMENT!

Company response to consumer: Closed with explanation