vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My sons and I all had accounts under my name at Bank of America. XXXX XXXX had his account for some years with no issues. XXXX # XXXX, XXXX XXXX XXXX, had his account for a few months and reported his ATM card as missing/lost, and a replacement was being sent. In the interim, I noted activity in the account BOA was notified, and the account was to be closed. Despite the request to close the account BOA continued to allow transactions to occur. There were multiple transactions that were being disputed and investigated, but none of the claims involved a return of funds. The last letter stated they believed I made the transactions. Note a police report was opened related to these items as well. 
XXXX dollar charge to XXXX XXXX XXXX XXXX XXXX XXXX ( This is a utility bill of which they should be able to find out whose account benefited from this payment ). There was a check deposited for the amount of {$1800.00} in the name of someone not connected to the account but not questioned and somehow cased out of a teen account. There was a {$300.00} atm withdrawal, and 2 XXXX XXXX XXXX 1 for {$150.00} and 1 for {$200.00}. 
The biggest question/issue is Bank of America closed XXXX # XXXX account as they should have given the fraudulent activity that was occurring but moved the negative balance to son # XXXX account rendering his account negative and removing all access he had to his funds and still has not returned and continues to be at a negative balance as we try to figure this all out. It has been nearly impossible to speak with anyone at Bank of America regarding this incident, and not this is an account that I have had open and in good standing for over 25 years.

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Below is a list of fraudulent transactions that were made from my Chase bank account through XXXX. I have no knowledge of who the recipients are or of where they are located. All the charges were made without my approval or authorization, and the charges constitute financial fraud. The amounts below were withdrawn from account number XXXX. 
The complete irregularity of the outgoing XXXX transactions ( linked directly to my Chase account ), in comparison to my account history, should also be considered as further evidence to the fraudulent nature of these charges. 
The following fraudulent charges were made between the dates of XX/XX/XXXX th and XX/XX/XXXX th of 2022. 

Date of Charge Transaction # /Description Transaction Type Amount Chase Fraud Claim Number XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$800.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$150.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$100.00} XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX - {$250.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX to XXXX XXXX XX/XX/2022 XXXX XXXX to XXXX XXXX XXXX XXXX - {$300.00} XXXX XX/XX/2022 XXXX XXXX XXXX to XXXX XXXX XXXX XXXX - {$50.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TX

Complaint narrative:
I submitted my PSLF for my yearly submission early XX/XX/XXXX through Fedloans, I received an update on my qualifying payments on XX/XX/XXXX. I did not hear back from fedloans about qualifying payments updates until XX/XX/XXXX. But this was not a completed process and no other information was provided by fedloans about my PSLF. I was then notified on XX/XX/XXXX about transferring to new service provider ( MOHELA ) and then a partial update on PSLF status was received on XX/XX/XXXX but still not a complete process. Between XX/XX/XXXX and XX/XX/XXXX the transfer process had started from fedloans to MOHELA. I was able to access the portal for MOHELA and it showed that my PSLF was processed on XX/XX/XXXX but all payments were not updated for PSLF. I then waited as it stated my app was pending at that time and then updated to processed but try count did not reflect accurate numbers. I emailed, on XX/XX/XXXX, MOHELA for the status of this and they stated ( on XX/XX/XXXX, in a long email ) Thank you for contacting MOHELA, We apologize for any confusion. MOHELA is currently in the process of updating payment counts under the limited PSLF waiver. Therefore, your payment counts may not reflect the actual count until all of the updates are complete. Which has been confusing and frustrating since there has not been any other updates or progress with my account. I would like for this to be resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3100.00} ), XXXX ( XXXX XX/XX/XXXX, Credit limit {$3100.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX, XXXX, Credit limit {$2500.00} ), XXXX XXXX  ( Opened XX/XX/XXXX, Balance {$0.00} ), XXXX XXXX  ( Opened XXXX XXXX, XXXX, Credit limit {$2500.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2023-01-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
when I recently checked my credit report I seen that there was a closed capital one account on my report opened XX/XX/ I was not made aware of it this is my first time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both capital one and the credit bureaus but they have not made the actions to get the account removed off of my credit report Its been past 30 days I have put the report in with identify theft as well and now I am here reporting this I would like for this to e off my report it is damaging me to be able to do things with my life with how it impacted my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with an account listed under Midland Credit Management Inc. and validation was requested on XX/XX/2022 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from the creditor to validate this account is correctly belonging to me. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account legally and the account continues to negatively affect me. Also, XXXX is reporting a different account number form the other two credit reporting agencies. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/20XXXX XXXX  XX/XX/2022

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 2023-01-12 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: CA

Complaint narrative:
This is my continual endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. Please block these items : XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Tried to contact the companies in question and was told to contact the credit reporting agency.. when contacting the credit agency the passed the buck back to the company!!!! Im getting no help with this ongoing issue

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 2023-01-12 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: CA

Complaint narrative:
I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX is reporting on TransUnion and XXXX ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$26000.00}

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 2023-01-12 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: CA

Complaint narrative:
I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX  is reporting on XXXX and Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$26000.00}

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 2023-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
Company pulled my credit report without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: NY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Discover, for committing Fraud. I have never given Discover, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I have sent in a XXXX XXXX payment coupon to company in XXXX 2022. Company did not apply my payment and closed my account without giving reason or notice. Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt that I already paid, and you refused to accept, and I am demanding that you cease all forms of communication with me through any and all mediums unless it pertains to my remedy in writing via mail. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. Return requested documents so I can properly assess the validity of any debt Cease and rescind use of my intellectual property, my signature stating I agreed to close such account or was giving notice to close such account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXXs response company claims and I quote We can accept late payments, partial payments or payments marked payment in full or with any other restrictive endorsement without losing any of our rights under the Agreement. Additionally, you must pay in XXXX dollars.. Discover conducts regular review of our customer accounts and on XX/XX/2022, in accordance with the terms and conditions of the XXXX Agreement which state ; Which seem to be false information. To my understanding according to the payment information on the back of the slip it states : Send only your allowable form of payment ( " Payment '' ) and the bottom portion of this statement in the envelope provided, after affixing postage. 


Please do not send cash. Sending cash is not allowed. The processing of your allowable form of Payment may be delayed if you send cash or correspondence with your Payments This brings a lot of confusion and sounds like fraud actively have occurred by your company. 

The company stated I must pay in XXXX dollar and I know that a XXXX dollar is Legal XXXX. Legal XXXX as the currency of a nation in the form of paper money. Legal XXXX is considered valid for payment of any financial obligations. Legal XXXX is a form of money that courts of law are required to recognize as satisfactory payment for any monetary debt. Each jurisdiction determines what is legal XXXX, but essentially it is anything which when offered ( " XXXX '' ) in payment of a debt extinguishes the debt. The act of XXXXXXXX the payment in legal XXXX discharges the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX My NETSPEND ACCOUNT WAS SCAMMED ..... I IMMEDIATELY CALLED NETSPEND TO TELL THEM THE UNAUTHORIZED TRANSACTIONS WASN'T ME. I WAS TOLD I HAD TO PUT IN A CLAIM WHICH I DID BUT BEFORE ANY MY ACCOUNT WAS SCAMMED SO NETSPEND BLOCKED MY CARD NEVER THE ACCOUNT BECAUSE ALL WEEK I HAD UNAUTHORIZED TRANSACTIONS WHICH I CALLED EMAILED ETC TO EXPRESS THE UNAUTHORIZED TRANSACTIONS AS WELL AS HOW IS MY FUNDS STILL BEING USED WITHOUT MY KNOWLEDGE ESPECIALLY EXPRESS I HAVE BEEN SCANNED AND ALL TRANSACTIONS WAS FRAUD .... I DEFINITELY EXPLAIN EXPRESSED BEYOND MEASURE NOW NETSPEND NOT GIVING ME ME REMAINING FUNDS AS WELL AS MY RECOVERY FOR ALL THE CLAIMS XXXX... WAS TAKEN NETSPEND SENT ME CLAIMS WITH THE AMOUNT .... THERE PLAYING MAJOR GAMES.. I NEED MY FUNDS AS WELL AS MY RECOVERY ... ..THIS IS TOTALLY UNACCEPTABLE TOTALLY UNSATISFIED ... ... .I NEED IMMEDIATE ASSISTANCE ...... PLEASE

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 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
I called Aidvantage on XX/XX/XXXX, to request a refund in the amount of {$50000.00} which was paid to them on XX/XX/XXXX. I informed the representative that my banking information had changed since I initially made the XX/XX/XXXX payment and asked her if I could give her the new account details for the direct deposit. I confirmed with her the new account details before the request was submitted. I waited XXXX weeks and after not receiving the direct deposit I called and was told that a direct deposit attempt from XXXX was returned by the bank for incorrect account details. This is the only answer I was given. I can only assume that the original representative did not input the new account details correctly. I was also told that a physical check had been processed on XX/XX/XXXX, and was being mailed. I waited until XXXX and after not receiving the check I called and was told that no further details were available and to wait until end of XXXX. I received a call today ( XX/XX/XXXX ) informing me that the payment had been returned, but was unable to tell me if it was another XXXX attempt or physical check. I dont understand why as my account details are correct and my mailing address on file has always been correct. I desperately need someone to look into this further as I am not getting anywhere with the call center. My financial situation has dramatically changed since I originally made this payment a year ago and I really do need to receive this money back as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: NY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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