vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: GA

Complaint narrative:
I was invited to trade on a platform called XXXX. I watched for about 2 weeks before i decided to deposit money on the platform and trade. On XXXX I entered a trade and deposit the first XXXX. we traded i on and off until XX/XX/XXXX when i traded the wrong currency. They call the trade for ETC XXXX and i place the trace for BTC XXXX the traded lost it was lost at XXXX. They demanded that to continue trading i should send them the XXXX lost. I was pressured to do so for the trade to go on the next day. I sent the XXXX on XXXX but on XX/XX/XXXX they insist that they need to recover the profits from the lost. I refused and now they wont give me my capital back. The closed the account and refuse to do anything. I tried pulling the money off the platform but it says there is nothing to pull. I now realize that i am being scammed. 

Crypto.com must put the necessary blocks in place to help innocent consumers recognize scams. They should not allow transfers between personal accounts. This is the only way to help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time with payments, yet they are incorrectly reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
At XXXXXXXX  on XX/XX/XXXX, two pending XXXX payments from our Chase Business checking account to the name XXXX. One transaction was for {$1400.00} and the other was for {$1500.00}. Neither myself or my business partner have knowledge of XXXX. I contacted Chase immediately by phone, and was told that a fraud investigation would be started and that our account would be credited back in 4-5 days. Later my business partner discovered that his personal computer had been hacked and that it made it appear that the XXXX contact had been added by him ; it was not added by either business partner.. 

On XX/XX/XXXX, a letter from from Chase indicated : We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 

I followed up with Chase at the phone number they provided, and the representative said there was nothing else they could do. 

I followed up with XXXX, and XXXX will not take any type of action unless you are using the XXXX XXXX, if it is XXXX through your bank then XXXX directs you to contact your bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I will list the correspondence of the personnel I spoke with. 
I spoke to XXXX XXXX- on XXXX @ XXXX. We spoke on the account from XX/XX/XXXX - XX/XX/XXXX. 
I spoke with supervisor XXXX XXXX on XXXX XXXX @ XXXX and verified that my payment date is the XXXX of each month and the removal of late payments. 
I spoke with XXXX on XXXX about my account. 
I spoke with XXXX on XXXX @ XXXX XXXX  and she also verified the removal of late payments and would submit a dispute. 
I spoke with XXXX on XXXX and the dispute was in my favor and he works for customer service. # XXXX I spoke with XXXX XXXX XXXX there are many supervisors I spoke to about the account. My payment history shows my excellent payment history and the vendor lists the product more than what I purchased it for.

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 2023-12-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Sir or Madam, My name is XXXX XXXX, please contact Experian credit reporting agency on my behalf. 

I contacted a representative from the fraud department to correct my personal information and reported my privacy has been violated. 
XXXX XXXX is my name. I should have only my ( 1 ) Name and ( 1 ) address on my credit report to verify my personal identity.

I do not use or not know by other names or addresses to verify my personal identity. 

Over " 18 " hard inquiries conducted without my authorization. I need to emphasize numerous inquiries with out permissible cause with the same financial institution certianly are red flags and should have been immediately addressed and removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Adverse action need to be taken to correct the errors on my credit report. The credit reporting agencies have been exposed for violating Federal Laws to protect customers rights. In addition, the banking system and financial institutions should accurately and fairly protect consumers privacy and rights.

I did not authorize in writing or digital form permissible cause to share or inquire my personal information. 

Thank you in advance for your assistance and considering my requests. I will govern myself accordingly. 
Sincerely, - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
CITIBANK XXXX ID : XXXX Case ID : XXXX I Opened a fraud dispute for XXXX transactions made with my debit card ending in XXXX XX/XX/2023 XXXX XXXX {$19000.00} XX/XX/2023 XXXX XXXX {$43000.00} The bank denied the claim on XX/XX/2023. Saying that the documentation provided by the airlines shows my name on the tickets. 
I request that letter from the bank and now checking the name XXXX cant see mine. 
The passengers are other people that I dont know them So, the bank denied the claim saying a LIE and false information, Im not on those air tickets. 
I called today XX/XX/2023 to reopen the case but the supervisor XXXX denied my right to have this fixed under the transfer act, regulation C and Z.

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 2023-12-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On my edd card I had someone use all my benefits prior to me ever receiving the card. I filed a claim well over a year ago and was lied to by Bank of America saying they filed a claim for me. A year goes by I never hear from the bank so I call only to find out I was lied to over a year ago and a claim was never filed. So I been waiting well over a year for something they lied to me about. Bank of America had been sued for this by people already and a federal judge ordered them to take claims more seriously and they flat out lied to me about even opening a claim. This has put me in a serious financial situation and Ive reached out to them to re open they said they did however today is the 10th business and I still havent gotten my provisional credit. I feel it is so wrong and illegal what they did.

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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Mr. Cooper loan # XXXX Property Address - XXXX XXXX XXXX, XXXX, Minnesota XXXX Mailed Payment in a check payment # XXXX in the amount of {$50000.00} on XX/XX/2023 - payment was for the balance of the mortgage at that time. 

Check was not documented received by Mr. Cooper until XX/XX/2023 - and then they lost the check Made over 50 attempts through phone calls, web site messaging and email attempting to have the check applied to the mortgage In late XXXX, spoke with employee XXXX - indicating and confirming check was in the possession of Mr. Cooper - yet the funds were not applied On XX/XX/2023 - we received the check returned to us - mailed XXXX XXXX - Mr. Cooper stating check not certified - after approximately 75 days while they had the check in their possession Issued a new check last week for 89 % of the value of the mortgage - Mr. Cooper has confirmed receipt of new check - yet they still refuse to apply the check balance to the loan Currently receiving collections calls from Mr. Cooper - in addition to being charged late fees and accruing interest Attempted many times to resolve the additional fees - only to be told responses will come with in 5 business days - additional responses indicate they still haven't made a decision on the mortgage and will require additional 5 days - Hold times are in excess of 1hr - supervisors fail to return calls, messages go unanswered Will be filing a suit in small claims if this is not resolved in the next 48 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc.
State: FL

Complaint narrative:
I have been reporting that somebody called XXXX XXXX is using my name and getting into debt using my credit. Now I got a call from FMS Financial Solutions asking for a payment on a debt that this thief ( XXXX XXXX ) got in XXXX XXXX XXXX XXXX in XXXX, XXXX Like I mentioned in my previous reports, I live in Florida and I have never been in Oklahoma in my life. I need this removed from my report, and to have FMS and the XXXX remove me from that debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
Last Monday XX/XX/XXXX  RobinHood randomly restricted my account yesterday XX/XX/23 I was supposed to receive a refund of {$340.00} from affirm it was declined, and affirm confirmed that the funds were and are still held by RobinHood. Now today XX/XX/23 I was supposed to receive a direct deposit of {$440.00} from my job. This is a reoccurring deposit and there should be no problem with me receiving my money but since my account has been restricted by RobinHood. These funds were also rejected for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: TX

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 non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Take a moment to examine the attached documents. I want the bureau to start an investigation into these accounts, as my payment history is consistently on time, contrary to the erroneous reporting.

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 2023-12-21 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: NY

Complaint narrative:
I signed up for credit monitoring and noticed some unauthorized inquiries on my credit report. Please remove, i did not authorize these inquiries, nor do i have any knowledge of them 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 non-monetary relief
Consumer complaint received 2023-12-21 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: FL

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX we decided to pay off our mortgage loan with BMO Bank formerly known as Bank of the West. I called the BMO Bank in XXXX, Iowa for the payoff amount. The clerk called BMO and was given the amount and she called me with that amount. I took that amount and deposited it into our checking acoount which they were to withdraw the entire amount from there to pay it off. I was informed that it would be taken care of. Two weeks later I went over and closed my checking account since everything was paid off. The clerk said everything looked like it was all paid and therefore checking account did not need to be left open anymore, and she refunded the money to me that was left in that account. 

I then received a statement stating I owed {$93.00}. I called the XXXX branch and they was going to check on it and get back to to me but never did. They had access to withdraw the entire amount like they was instructed to, now they are saying I owe this plus NSF charge because account was closed. I don't feel I should have to pay this, they were to take the entire balance out at that time and it's not my fault they didn't. Please advise

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 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Attached are documents for your review. I urge the bureau to commence an investigation into these accounts, as I have never been late with payments despite the inaccurate reporting.

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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
On XX/XX/2023, Moneygram transferred funds of XXXX transactions {$1100.00} and {$1000.00}, to the wrong vendor. I have repeatedly called Customer Service and emailed them to get a refund. The transaction was sent to XXXX XXXX. I have contacted them also. I am requesting a refund. Since this error occurred my vehicle has been repossessed. 
I am requesting a refund and damages. 
Thank you.

Company response to consumer: Closed with explanation