vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: LA

Complaint narrative:
I was gifted a XXXX XXXX XXXX XXXX with a value of {$250.00}. The card has never been opened or used. The card can not be used and Im being told the money is not on said card. 
Ive contacted the company twice now & after HOURS of holding, run around & having to send in ridiculous information, a case has been opened. 
I was originally told up to 21 days and now being told XXXX. They admitted they could see the card had not been used and there were no transactions made yet. 
After a quick XXXX XXXX XXXX XXXX post regarding the situation, its obvious this company makes a continuous habit of whatever scam they are pulling. They need to be throughly investigated and shouldnt be able to keep doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I was Contacted by Bank of America sometime in XXXX about my XXXX 's past due XXXX XXXX bills. 

Initially, in XXXX Bank of America contacted me and my granddad 's sister and notified us that my granddad 's car was on their repossession list. My grandfather is an elderly man with XXXX and I have been acting as his representative since approximately XXXX of XXXX. Bank of America wanted to know where the car was and if anyone was driving it. Prior to receiving the calls from Bank of America I had been sending in monthly payments to Bank of America on behalf of my grandad, but I had lapsed during the summer of XXXX. After starting to receive the debt collection calls from Bank of America again in XXXX I started sending in payments again to try to bring the account up-to-date, despite this, Bank of America still continued calling asking to speak to my granddad XXXX, but he XXXX not answer any of their security questions due to his XXXX so they could not provide him with any information as far as his auto loan was concerned. Bank of America did allude to me that the payments that I was sending in were not enough and that they needed to speak to my granddad. They would not provide me with any information as far as how much was due or how much my granddad was behind. Sometime in XXXX I was able to reach someone at Bank of America who provided me more information after I faxed in my Guardianship paperwork to her. She could not provide me with any information over the phone, but she told me that she would mail in a payoff amount. She was not able to provide me with a statement of accounts. 
The payoff amount was submitted but no title was received. The title was not released. 

I contacted Bank of America at approximately XXXX on XX/XX/XXXX to see what was the hold up on mailing the title and an agent there told me that they had no record of the payoff letter and to fax it in to them. I faxed it in at a local Bank of America XXXX in XXXX, Ohio that same day. 

I called on XX/XX/XXXX at approximately XXXX to follow up and an agent at Bank of America XXXX me that the payoff letter was a mistake and that they want more money and will not release the XXXX until they receive it. Bank of America is essentially holding the title to the car at ransom, changing up their terms, and acting in bad faith.

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 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: GA

Complaint narrative:
I established individual CashApp Account XXXX associated with XXXX XXXX Account XXXX in XXXX of XXXX as the sole account owner and authorized user. The preceding was undertaken by me personally in my name and with my Social Security Number of XXXX, address indicated at the top of this letter, phone number of ( XXXX ) XXXX and email of XXXX. I never modified the account in any way after inception nor added anyone else for account ownership or even access. 
After disputing three XX/XX/XXXX transactions where both my CashApp balance and connected XXXX XXXX checking account XXXX were debited for the same transaction, which had me paying twice ( XXXX XXXX XXXX XXXX Card Payment of {$7.00} on XX/XX/XXXX ) and thus being due a refund for the duplicate debits. When I requested a refund, instead of issuing credit and fixing the software glitch of a missing reset command, you forcibly closed my account, kept the duplicate debit money and then allowed unauthorized access to my account for over a year. 
Why would CashApp allow an unrelated party to take over or basically highjack the account of another customer, and how is this even possible? Did CashApp just oblige a call in request. The only conceivable reason for someone accessing the account of someone else is to accommodate illegal credit transactions, the deposit of stolen checks or accessing payments intended for another party, and subsequently affect unauthorized debit transactions, most likely offsetting back-to-back debit transactions to another account to conceal the theft but possibly even debits similar to those made by the legitimate account owner. The hijackers or those responsible for the theft are identifiable as the same as the beneficiaries of the debit transactions of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Zip Co US Inc.
State: DC

Complaint narrative:
On XXXX XXXX I contacted Zip about issues I am having with the merchant about returning a purchase. They told me to reach out to the merchant which I had already done a couple weeks before unsatisfactorily. They told me to reach out again. I showed them a screenshot of not getting a response on XX/XX/XXXX for my request to return items and obtain a refund. I told them that I was frustrated and my only option was to go through my bank if Zip could not help me. They stated you have to go through the merchant again. After a few more days of not getting a response from the merchant I filed a claim with my bank. 

Now I see that they have removed my access when I have paid all my bills on time and fairly without even trying to investigate with me or the circumstances. They should have a better obligation to their customers. This is ridiculous and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: RI

Complaint narrative:
I recently paid a loan in full to XXXX and will attach supporting documentation. I have filed two disputes with Experian, have spoken to XXXX, resent the letters that XXXX sent stating that the loan was repaid in full. However, XXXX has not sent the proper information to Experian to remove this loan.

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 2023-01-06 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: PA

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
There are fraudulent accounts listed on my consumer report I have tried resolving and disputing it with the creditors. 

XXXX XXXX XXXX XXXX : {$16000.00} XXXX XXXX : {$320.00} XXXX XXXX : {$62.00} XXXX XXXX : {$100.00} XXXX XXXX XXXX {$520.00}

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 2023-01-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, 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 a account without my written instructions.

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 2023-01-06 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: OH

Complaint narrative:
I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-01-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have several hard inquiries on my credit report, due to fraud and identity theft. The hard inquiries are as follows : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 2023-01-06 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: CA

Complaint narrative:
There is incorrect information on my credit report : XXXX XXXX XXXX XXXX XXXX  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 2023-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Payfare International Inc.
State: PA

Complaint narrative:
I have been refunded by XXXX on XXXX transactions. # XXXX : {$18.00} # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX. 
XXXX has already opened a case and closed it because they confirmed the refund was returned on their end and completed I have the XXXX transaction ids they have provided : ID : XXXX ID : XXXX ID : XXXX ID : XXXX I have contacted pay fare from my XXXX XXXX XXXX  and have not gotten any help or they do not know how to look these transaction IDs up and my money is lost in the air since XX/XX/2022. 

Last representative I talked to on XXXX XXXX at XXXX XXXX even hanged up on me as I was asking for more phone numbers to reach the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
For the past two years I have been trying to resolve the matter of two accounts that Equifax has been illegally reporting on my credit report. The initial date was XX/XX/XXXX with other dates as followed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The accounts that they have been illegally reporting are XXXX Acct # XXXX  XXXX and XXXX Acct # XXXX  XXXX. These accounts are charge-off accounts which according to the IRS are considered income and income isn't supposed to be reported on a consumer credit report. For the past two years they have violated my consumer rights by 1. defamation of my character, 2. Have caused me to experience a high interest rate when I obtained my mortgage causing me pain and suffering. 3. They have also caused me to suffer from XXXX XXXX due to the repeated attempts in trying to rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MI

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have right to privacy.

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

5 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.

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 then seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I made a payment on my account that was to be posted on XX/XX/XXXX bc it was paid after XXXXXXXX XXXX XXXX I noticed the month before XX/XX/XXXX I was charged a late fee of XXXX and I was also charged an additional late fee for the month of XXXX. Today XX/XX/XXXX I called Capital One and spoke with 3 representatives. The second person gave the name XXXX and the last XXXX XXXX XXXX XXXX XXXX XXXX. I spent XXXX XXXX XXXX XXXX explaining that I make my payment online and the card in question due date shows XXXX of each month on the main screen which is where you continue by hitting the XXXX XXXX XXXX and make payment. I did not understand why I was receiving a late fee when payment was paid and posted prior to due date. I was then advised that the correct was the XXXX of the month. I advised them per their payment site it is the XXXX. I also ask that they refer to my last couple of payments being made prior to this date. I asked if they would like me to send proof of due date I was shown and went over screen with each rep several times. I was advised they could not refund me the {$80.00} charges and that there was no one there that could help me. I was further advised that I could do a general complaint but they have no abilities to waive fees either. I expressed my concern with knowing what the correct due date is and that I should be able to trust info provided on the website. XXXX advised they didn't have any other complaints of this nature and that there is nothing he or his supervisor could do. I would just need to remember that it is due on the XXXX even if website reflects different refer to the statements. I advised that did not address my issue bc website should reflect proper due date and I should not be punished if it did not. Also advised I have proof that due date showing was on the XXXX. I simply wanted both past due fees removed. I was simply told the due date doesn't change unless I change or annual change which neither had occurred. I was told that he had to disconnect the call and if I wanted to speak to a supervisor I would have to call back and request to speak to a supervisor but it will not help bc they are unable to waive the {$80.00} in fees. The only offer was to waive XXXX in fees, however this would have been a courtesy waiver as if I asked XXXX I didn't pay my bill on time and this is simply not the case and I don't that reflected on my account. Per XXXX the call was recorded and hopefully it can be retained bc I was not belligerent and or rude only expressed my dissatisfaction with the process and questioned how I can move forward with future payments without knowing if the due date is correct. They would not accept info that I had to prove due date was conflicting. All and all I was told to accept what they said and there was no further discussion and or help to be provided. XXXX then hung up the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Got an email from XXXX XXXX saying a card had been added to my credit report. 
It is from Comenity Bank under XXXX Account # XXXX It was opened in XXXX of XXXX and charged XXXX to the card. 
I did not apply for the card nor have I shopped at XXXX XXXX 
I have disputed this with XXXX along with XXXX and XXXX 
XXXX advised me to go to ftc.gov and that lead me to you. 

I appreciate anything you can do to help me with this. 
It has dropped my credit by 160 points

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 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: PA

Complaint narrative:
The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX XXXX  on on XXXX XXXX. On XXXX XXXX XXXX  reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXX XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX 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 2023-01-06 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: PA

Complaint narrative:
The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX dollars  on on XXXX XXXX  On XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXXXXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: OH

Complaint narrative:
Hello, I am filing this complaint against AES because of their behavior with servicing a loan for XXXX. My loan has grown to over twice the size of the amount that I borrowed. The account is supposedly " 962 days past due '' but does not show it is defaulted. I believe AES and XXXX are conspiring to keep it in " limbo '' status. 
I have repeatedly faxed an authorization for my representative, a certified credit counselor, to speak with them and they continually deny they have received it. We did a conference call with them on XX/XX/XXXX and they asked us to submit any payoff offers in writing, which we did also by fax, and they claim not to have received it. 

XXXX, my original lender, went bankrupt and their assets were transferred to XXXX. However, XXXX is owned by the same person who owned XXXX. We ask the CFPB to examine the legality of this type of transfer and investigate the companies involved, as well as AES 's involvement in providing cover for them and servicing loans for a potentially fraudulent company. 

Additionally, I request that XXXX agree to settle the loan for the amount I am offering, which, combined with the amount I've already paid, is more than the original amount that I borrowed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation