vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was scammed in XX/XX/2019 by a phone call saying they were going to charge my checking account {$390.00} for my renewal for my support for my Computer and If I didnt want this done and cancel to call a number. I did, and explained that I did not order anything. They said Sure We can take care of that, thats when unbenowing to Me thats when it started. They had Me go to a site, which now I know better after reading my XXXX XXXX XXXX XXXX, not to open any unknown sites, They claimed they made a mistake and put all this extra money in my account, I said let Me calll the Bank, the guy said Please, dont If you do I ll lose my job, Because I made a Big mistake. They knew how much was in my account, by the site they had me open, so what they did was transfer my money that was in my own account from savings to checking, and kept Me on the phone to keep Me from contacting the Bank. They said it was their money that they had returned to Me, and I had to wire the {$35000.00} back to them by money transfer. By the time I realized It was a scam, I contacted the Bank, they had Me wire it overseas, A lady at the bank tried to stop the transfer but ot was too late, She informed Me because I willingly signed for the transfer, they were not responsible. I contacted the overseas bank, and they said it wasnt on them. I am a XXXX  who thought I was up on things, but feel foolish because of how and what happened to Me, I still hear messages on my Phone from different people SS, Tech Support, etc, which I know now are scams so I don t answer. Little People it seems don t matter to Big Banks, so I guess Im one of thousands who have lost money forever to scam artists. Thank You

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 2023-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXXXXXX XXXX XXXX, Capital One Bank sent a digital transfer of {$10000.00} to XXXXXXXX XXXX XXXX to pay of a loan. Bank statements from both banks reflect transmission and process. On XX/XX/2022, XXXXXXXX XXXX  statement shows funds returned with no explanation. Capital One shows no such return. Since then, I have spent the last 7 months interacting with both banks to resolve this issue. Because of the banking industries rules, regulations, policies, and procedures, the banks say they can not directly talk to each other to resolve this. I have continually been put in the middle to have to call back and forth to explain each bank 's requests, needs, and requirements. Without going into the excruciating details of having to talk to, and explain in detail to, different individuals on every phone call, my complaint against Capital One is that their Payment Department has on 2 occasions not sent the Proof of Payment full information that XXXX through me requested, and when they said the right information had been sent, XXXX claims non-receipt. I then asked the Capital One supervisor of the day, if the XXXX Department would provide me, the customer, with the information, so I could directly give it to XXXXXXXX XXXX  Executive Department. I was told no. This has become a 7 month vicious cycle of one bank asking for an email transmission, XXXX, Capital One stating they can't send it via email, and fax transmissions that continually get lost. This is clearly a bank to bank issue that somehow must be resolved by them since Capital One won't provide me, the customer, with the information needed to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1XXXX XXXX XXXX 2.XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX XXXX XXXX 8 XXXX 9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. 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 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts appearing and Inquiries on Credit Report. 


Inquiries fraudulent accounts and inquiries appearing on credit report. Inquiries 1. XXXX XXXX 2.XXXX 3. XXXX XXXX 4XXXX XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX 7 XXXX XXXX XXXX 8 XXXX 9 XXXX XXXX XXXX 10 XXXX 11 XXXX XXXX XXXX 12. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE 14 ACCOUNTS HAVE VIOLATED MY RIGHTS. 

15 U.S. Code 6801- PROTECTION OF NONPUBLIC PERSONAL INFORMATION 15 U.S. Code SECTION 602 A STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1861 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN CONSENT XXXX XXXX XXXX CXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
My student loans have changed hands several times over the years ( not by my doing ), and therefore so has payment history. This private loan is unknown to me, and no mail correspondence was sent regarding these bills. All private loans were paid in full. I would like it removed as they can not provide loan specific signature pages. I have also been the victim of identity theft and had several accounts opened in my name, so I am concerned this may be the case here as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Hi, I just wan na let you know that someone use my Social Security number and apply for Macys Citibank American Express credit card on XX/XX/2023, when I got this email from Macys immediately, I call XXXX and I have put the fraud and dispute this application and also I have phrased all my credits, and also I called Macys, American Express, credit card, phone number regarding that application, and I let them know that it was not me, and they removed this application and put the fraud on this application, then I call to XXXX after I put the fraud and freeze my credits they said you have to report this application to this website, please let me know if I have to do anything else from my side. thank you so much.

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 2023-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I deposited a check for the sale of a car into my overdrafted checking account on XX/XX/23. The check was very large at {$92000.00} and was written against a XXXX XXXX XXXX  account the dealership owns. A deposit hold was placed on this check in the early morning hours of XX/XX/23, which made sense. The check was verified by Wells Fargo and the funds cleared and posted to my account on XX/XX/23 at XXXX in the afternoon. The notification of the clearing of the deposit stated the funds would be available on XX/XX/23. On XX/XX/23 in the early morning hours, a balance notification was sent to me showing a positive and accurate amount of available funds in my checking account. I then received a notification on XX/XX/23 at XXXX that these cleared and posted funds were forced into a second deposit hold, even though the funds were cleared and posted by the Dealerships bank and my bank. The second deposit hold reason is " Signature On Check Was Irregular, '' but after verifying with Wells Fargo that this occurred on their end, not the Dealership 's bank 's side, I have not received satisfactory information on how the signature was determined to be irregular, when the woman at the Dealership who wrote the check has had no prior business with Wells Fargo -- how does Wells Fargo even know what her signature looks like? I have repeatedly called, escalated, and made it a point to inform Wells Fargo that they are duplicated check verification steps for a check already cleared and posted. The bank refuses to release these funds that are surely due to me, until XX/XX/23 at the earliest, but the verification may take up to XXXX additional days.

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 2023-03-17 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: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : 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 Date Opened : XXXX Balance : {$0.00}

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 2023-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on XXXX XXXX XXXX XXXX. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : 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 Date Opened : XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit reporting agencies showing the wrong addresses for me I only have 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 2023-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
back in XXXX I went to default my 2 loans, XXXX I did loan modification on my first loan. the loan officer of XXXX XXXX XXXXXXXX told me that second loan was forgiven, closet, cancel., now after 12 years in XX/XX/XXXX i got serve a complaint that owe. {$100000.00} I have never in 12 years received nothing from banks or real time resolutions inc. that I had a loan to pay! 

they have violated the law ( fair debt collect practices act. ) I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Since XX/XX/XXXX, Comenity bank via Victoria Secret has been unable to take my payments due to a problem within their internal system. They have reported my account as delinquent XXXX XXXX XXXX and now XXXX. I call twice  a month to attempt to pay. I started recording the call XX/XX/XXXX. They refuse to stop reporting my account and refuse to provide me a letter stating the account is not delinquent as per requested by my home lender ( trying to buy a home ). My credit score has gone from XXXX to a XXXX. Comenity Bank refuses to assist me in making the corrections needed. They only tell me sorry we are unable to access your account please help. We have tried a mail in payment, a misposted payment, ach wire transfer, and debt card. All of which could not be processed due to Comenity Banks internal system. I have done everything they have asked with zero assistance or help in return.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
Mohela is using the dates of the signature blocks ( section 4 employer certification ) This is the date the employer signed the forms to be submitted to Mohela, above this section it is clearly checked that I am still employed on both forms from each employer. 

This is a mistake on Mohela 's side and they insist that I am no longer employed as of XX/XX/2022 and XX/XX/2022 Please see attached documents and the dates showing for signature signing not employment ending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-17 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: PA

Complaint narrative:
Fraudulent Accounts and Inquiries Appearing On Credit Report. 

XXXX. XXXXXXXX XXXX  {$710.00} XXXX. XXXX XXXX {$720.00} XXXX. XXXX XXXX {$270.00} XXXX. XXXX XXXX {$720.00} Inquiries XXXX. XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
ON XXXX XXXX GM FINANCIAL REPORTED THAT MY ACCOUNT WAS 120 DAYS ON FOR A REMAINING BALANCE OF {$240.00} FROM XX/XX/XXXX AND XX/XX/XXXX THIS CAUSED BY CREDIT TO GO DOWN XXXX POINTS BETWEEN THOSE DATES IS NOT 120 DAYS!!!! 

I PAID OFF THE REMAINING BALANCE ON XX/XX/XXXX OF {$240.00} THIS REMAINING BALANCE WAS ON MY ACCOUNT FROM XX/XX/XXXX UNTIL XX/XX/XXXX AND WAS NOT INFORMED BY GM FINANCIAL NOT BY PHONE, EMAIL OR MAIL I DIDN'T KNOW UNTIL I CALLED TO FIND OUT WHERE MY TITLE WAS I WAS TOLD 3 DIFFERENT STORIES BY 7 DIFFERENT AGENTS. I WAS TOLD I OVER PAID AND WAS DUE A REFUND. I WAS THEN TOLD I HAD LATE FEES THEN I WAS TOLD I ONLY OWED THE REMAINING BALANCE. GM FINANCE AGENTS SEEMED TO NOT HAVE A CLUE.

I PAID MY BALANCE AND GM FILES WITH CREDIT REPORTING COMPANIES I WAS LATE 120 DAYS EVEN THOU I PAID OFF MY BALANCE.

I CALLED GM AND THEY WOULD NOT CORRECT THE ERROR SAYING I HAD TO DISPUTE THE CLAIMS MYSELF SO I SENT LETTERS TO ALL 3 CREDIT RPORTING COMPANIES AND I'M ALSO ASKING FOR YOUR HELP I BEEN WORKING HARD TO IMPROVE MY CREDIT TO HAVE GM FINANACIAL XXXX IT UP FOR ME FOR NO REASON. 

PLEASE HELP! 

THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information were found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX  XXXX XXXX XXXX Inquiry Date XX/XX/XXXX  XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/, XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXXXXXX Inquiry Date XX/XX/

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 2023-03-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the files that are attached. I want the bureau to look into these accounts where they are reporting me as being late despite the fact that I am always on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17 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: TN

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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