vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Back in XX/XX/2023, I submitted an online completed application to XXXX XXXX XXXX. On XX/XX/2023, I had visited the property in person ; and XXXX gave me a mini tour of the apartment unit. 
Upon submitting the application, I had to pay {$300.00}. ( See images ) {$50.00} Application Fee ( non refundable ) {$250.00} Administration Fee ( Refundable if not approved ). And at the very end, a surprising {$5.00} was added. By the week of XX/XX/2023, I was informed I was not approved. So, I requested a receipt of my {$250.00} refund. By XX/XX/2023, I received a call from XXXX ( I might be spelling her name wrong ). She called to confirm mailing address and disclosed the check number was # XXXX for {$250.00}. 
XXXX ( the owners of Luminous ) are located in XXXX. I'm in XXXX. It's been over two full weeks. No check has been placed in my XXXX XXXX. XXXX at the Post Office alleged on Friday, XX/XX/2023, they place my mail in my box as it arrives. 
In conclusion, I'm starting to think XXXX never mailed anything or the XXXX Employees are holding my mail or they placed my mail in the wrong box. Either way I'm entitled to my refund before the 30th business day. Therefore, at this point, it's best {$250.00} gets credited back straight into my personal checking account ; and we can cut the chase today. 
Please have XXXX, XXXX XXXX XXXX, credit my account. I called them twice asking for the tracking number, and nobody has called me back. 

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 monetary relief
Consumer complaint received 2023-11-02 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: MI

Complaint narrative:
I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.

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 2023-11-02 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: MI

Complaint narrative:
I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXX FIR # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have the proof payment was made and they never took the payment and applied to the balance. {$5500.00}. paypal credit

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 2023-11-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I was alerted through my credit monitoring service that Columbia XXXX XXXX was reporting that XXXX XXXX XXXX in XXXX Georgia is reporting that I am in default for a lease ending in XX/XX/2023. I never lived there, never leased an apartment there. My information appears to have been used, but I never engaged XXXX in a lease. I requested the signature of the account and copies of the intake forms. They have not been provided. This report is additional damage to my credit. I have sent documentation of my electric bills to show where I lived during the period stated in the claim. This report is not accurate and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX I was trying to purchase cryptocurrency on the venmo application. Well trying to purchase some cryptocurrency from Venmo through the Vemo, app I was denied my transaction twice. And after the second time they suspended my account. They said that it was due to suspicious activity initially. I contacted the customer service department and spoke to a representative and tried to figure out what activity was so suspicious that was happening on my account. They could not or would not tell me. I did what they asked me to do in the email which was to send a copy, front and back, of my driver 's license as verification. I have done this every day since then and still nobody has been in contact with me. I talked to a supervisor who couldn't tell me anything except for one of their account specialists had to handle the situation and unsuspend my account. This has caused me great grief because that is my money that I worked hard for. I've had to go hungry for 2 days. And I am highly distraught and upset at this situation. Furthermore, I feel that venmo 's license should be pulled and they should not be able to do any type of business in the state of Ohio let alone in the United States at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I received a credit report from the mortgage company and was shocked to find evidence of identity theft. Multiple accounts, like XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, and others, were discovered, which I didn't open. I kindly request the removal of these fraudulent accounts from my credit report, in accordance with the consumer law ( 15 U.S. Code 1681b ) and CCPA/CPRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
i notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: HW Holding, Inc
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX Hunter Warfield, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
PROBLEM WITH ONLINE CHASE, JP MORGAN It is now several months during which I have tried to transfer money from my Chase account ( which give me close to nothing as interest income ) to another of my XXXX banks. 

At XXXX time I was able to do a transfer online between accounts without any problem but now after every attempt my account has been blocked for suspicion of fraud. While I can appreciate this safety feature, I do not appreciate having to go from XXXX department to another and being asked the same safety questions again and again ( some questions relate to my life more than 30 year ago! ) and loosing my time for nothing. 

The XXXX of XXXX the XXXX XXXX. told me that my account was unblocked which was not the case when I later tried to connect, so again for the XXXX or maybe XXXX time no way to reconcile my account and of course, I was not able to do my wire transfer as suggested in an earlier call. 

Yesterday, being very upset, I waited XXXX minutes for the employee to come back on line but without success so eventually I hung up. 

I AM FEELING THAT MY MONEY IS TAKEN IN XXXX BY CHASE, JP MORGAN. 

Hoping you can help, yours sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ). 

One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account. 

I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify. 

XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus. 
My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do. 

I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I am formally complaining against SEVENTH AVENUE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted SEVENTH AVENUE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SEVENTH AVENUE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I can't access my chase account also my usaa account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-02 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: FL

Complaint narrative:
i notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before

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 2023-11-02 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: FL

Complaint narrative:
i notice a account on my credit report i did not open up i disputed it and its still on their i want it remove immediately i never open or seen this account before

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 2023-11-02 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: OH

Complaint narrative:
I am trying to fix multiple errors on my Experian credit report and they keep sending me emails saying they dont think it was me that submitted the disputes and are not doing anything about it even though I have sent id documents and everything and they have previously did the same response. It seems they are doing everything in their power to not abide by the fair debt reporting act and investigate properly and remove inaccurate information. I guess trying ti save money or man power while my credit is suffering and I am trying to buy a house and cant because of this inaccurate reporting. I need help to get then to actually do this and stop playing games with my life. I have attached the email and this is multiple times in the past few months they have done 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have not authorized these hard inquiries, they are fraudulent, and affect my credit score negatively. 
These are the fraudulent hard inquiries : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Netspend Corporation
State: OH

Complaint narrative:
Okay I keep getting you Skylight cards in the mail when I go to activated it sends me to Skylight direct I know when you activate a card you put your info in and it should be activated but no it sends me to them every time so I know there was money on those accounts and they're fraudulently scamming me not only that I'm going through identity theft and I know I am I have a bunch of inquiries on my credit report I have my annual credit report now I've been data breached by XXXX and carvin software program I can't get in any of my accounts or keep anything and I'm being wrongfully convicted he sent to jail multiple times also I have people trying to knock me off the road you're driving crazy there's traffic everywhere around me I called the FTC I went to the social security building in downtown XXXX for XXXX XXXX building they told me they can't change my social security number unless I have a bunch of information which I do now also I can't keep people out of my XXXX account social media accounts and I'm always getting scam calls and people on XXXX saying I won the lottery I got to pay them {$300.00} first

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 2023-11-02 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
On XX/XX/2023, I paid my mortgage as usual with Freedmom Mortgage, but when I checked my account on XX/XX/XXXX, I noticed that the mortgage payment had not been deducted. Worried, I immediately called the mortgage company but the call was disconnected after the automated service stated that a payment was made on XX/XX/XXXX. This was not enough information for me, so I called again on XX/XX/XXXX and spoke to a representative. The representative informed me that my bank had reversed the payment and that I owed a late fee. 

I was confused because I pay all my bills from the same checking account and I have never missed a payment or been late before. Moreover, the mortgage company had increased my mortgage back in XXXX or XXXX, even though I have a fixed rate. This had already led to an incident in XX/XX/2023 when my payment was not processed because I did not listen to the confirmation number in its entirety. When I called back in XXXX, the representative told me that it was my fault, which made me very angry, but the representative stated she saw where I made the payment and honored my on time payment. 

During my call on XX/XX/XXXX, I insisted that the mortgage company was at fault and asked to speak to a representative while having my bank on the phone. The bank informed us that they never received anything from the mortgage company. However, the representative still told me that I owed a late fee. This is not fair to me as a loyal customer who makes payments on time. I have worked hard to purchase this home, and my elderly mother lives with me and I am not going to put my family in jeopardy as the United States of America is in a housing pandemic. 

Moreover, whenever I reach out to the mortgage company, a representative tries to persuade me to refinance my loan which I have refused several times. Unfortunately, on some occasions, I had to deal with a rude gentleman who talked down to me and belittled my character. He even went on to imply that I could not afford anything apart from an FHA loan. However, my credit score was good enough to secure my home and I strongly believe that I deserve to be treated with respect and dignity. Thank you for your attention to this matter. 

I have provided screen shots from when I called the mortgage company to pay on XX/XX/XXXX and the calls, thereafter. Thanks again.

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