vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/23 I was sent money to an alternative email address that I do not have attached to my XXXX profile. When adding that email address to my XXXX profile in the Bank of America app/website, I am given a message claiming that the email address is invalid and can not be used with XXXX. I was able to add this email to my Bank of America Online Banking account, but unable to add it to my XXXX profile to receive funds to that email. 

On that same day, I had reached out to Bank of America to assist with adding the email. However, I was told that because of the situation involving XXXX, I would need to contact them as XXXX XXXX Bank of America is " a self-service portal '' and gave me the number to contact them, but because of the time of the day ( past XXXX ), I was unable to contact XXXX that day XXXX 

When contacting Bank of America again on XX/XX/23, they further said I was not able to add it due to it being a XXXX error and once again had prompted me to contact XXXX instead. 

When contacting XXXX on XX/XX/23, I am told that I can not talk to them due to already being enrolled with XXXX ( and having a participating bank ). Furthermore, the prompts for the phone menu actively tell me to contact BoA ( I was not able talk to someone unless I selected the option stating I am not using XXXX with a bank ). 

I am unable to create a bank-agnostic XXXX profile due to having a debit card from a bank that is from a participating bank and since I have already received a notification to my 'invalid ' email address that money was sent to me, signing in with my Bank of America account from the link provided within that email gives an error stating that I can not claim the money because my email is not in my BoA XXXX profile, thus creating a cycle of attempting to add it to my account.

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 2023-10-23 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: ECMC GROUP, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX XXXX. XXXX XXXX is my XXXX. On XX/XX/2023, ECMC purchased the loans and this was placed on my credit. On XX/XX/2023 via certified mail ; I request validation of the debt of all of different amounts reported on my credit. ( Same account number which was XXXX, but different amounts ). First, with the help of the XXXX XXXX XXXX ; I found out these accounts were sold to XXXX. ECMC first denied it, but they PURCHASED this account in the amount of {$27000.00}. This was an agreement between ECMC, US Dept of Education, and XXXX. Then on XX/XX/2023, XXXX from ECMC stated, " XXXX  XXXX XXXXECMC Account # XXXX ; Education Credit Management Corporation ( ECMC ) has reviewed your concerns. Following is history of the nine loans in question held by ECMC that match the first & last name, mailing address and email address provided by you on this complaint. '' ECMC stated that this account belongs to XXXX XXXX. I have never in my life been identified as XXXX XXXX. To this date ECMC, XXXX, or US Dept. of Education has yet to provide to me an original signed contract in addition, ECMC provided proof to myself and XXXX  that the nine accounts belong to XXXX XXXX. ECMC wishes for me to accept this as an simple typographical error. I REFUSE TO!! I have been reporting on multiple occasions that the loans are not mine has here is proof and ECMC. XX/XX/2023 the ECMC discount the amounts 107 %, the amounts as reported on my credit do not have a payment amount further proof that there is not accounts associated with me and these entities. This company provided alledged spreadsheets. All the proof that was given to me by ECMC, showing further proof that their records was and can be altered, XXXX. the account belonging to XXXX XXXX. These accounts were falsely generated.

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 2023-10-23 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: NY

Complaint narrative:
Request to remove inaccurate information from my credit report. 
The name appearing on my credit report is incorrect, my only and correct name is XXXX XXXX as shown on my identifications. Please remove this incorrect name XXXX XXXX and all the incorrect information associated with this name. 
My address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX shown on my identifications. Please remove these incorrect addresses : XXXX XXXX XXXX XXXX, XXXX MA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX My date of birth of XX/XX/XXXX, please remove this incorrect date of birth XXXX from my credit report. 
These accounts are not associated with me, it is a mixed up of credit files with a similar name. 
Please remove them from my credit report. 
XXXX XXXX Account number : XXXX Balance : {$67.00} XXXX  Account # : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Status : Closed Please see my identifications in the attachment as a proof identity. 
Regards, 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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XX/XX/2023 {$450.00} I did not give this company to use my information to open up this account. 
The company also fraudulently sold my accounts to a third party agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX, I unlocked a credit freeze on my account to apply for a credit card with an unrelated bank. Whether coincidence, tracking cookies, or credit monitoring, Capital One sent me an offer within a two hours of applying for the unrelated card. 

While I didn't necessarily need another card, the offer ( uploaded ) was for a XXXX card with a {$300.00} cash bonus if {$500.00} was spent within 90 days off account opening. I received a XXXX card soon after with a {$500.00} limit reflecting a counter-offer. 

Upon spending the {$500.00} minimum, I inquired a month later ( via phone ) regarding the status of my new account reward. The representative told me that sometimes the " promo codes '' drop and she would submit the request for review. Over the next month or two, I called back three additional times for an update. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ) who told me I was not eligible for the bonus ( no written or proactive communication was provided and if I had not called a third time, I would never known of Capital One 's decision. 

I told XXXX I that the card I received was a XXXX card which aligned to the email offer. He stated that there were different types of XXXX cards and the only I received was not eligible. The terms & conditions of the offer do not make a distinction on " different types of XXXX cards ''. When I asked where I could send documentation to be reviewed, he stated there was no address other than XXXX XXXX and he didn't know if that department could help. 

I would request that Capital One honor the attached offer. Additionally, I would also request the CFPB review Capital One 's promotional policies. If this is happening to me it would have to be impacting 100s if not 1000s of others who may just accept " There is nothing you can do '' as an answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Someone tried to open a credit card under my name with Chase Bank on XXXX XXXX, XXXX 
I received the email that the application was under review, called XXXX and they cancelled it and sent me fraud protection information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-23 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: TX

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I purchased a vehicle from XXXX. On the third day of having the vehicle an message saying the Alternator and battery was dying. XXXX warrantys company XXXX XXXX  set up XXXX towing to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.

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 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I have an account I do not recognize on my credit report. I repeatedly asked for it to be removed from my credit report and asked for debt to be validated which they couldnt provide. 

under 15 US CODE 1602 it is unauthorized use of my credit and illegal.

Please remove from my report as per 15 USC 1681 and refrain from any other contact

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: EGL US, LLC
State: FL

Complaint narrative:
I APPLIED FOR A LOAN WITH BMG MONEY BECAUSE I HAD AN EMERGENCY. THE LOAN WAS APPROVED, AND THE MONEY WAS MISTAKENLY DEPOSITED INTO SOMEONE ELSE 'S BANK ACCOUNT, THAT PERSON CALLED THE BANK AND SAID THAT THE MONEY DID NOT BELONG TO THEM, THE BANK RETURNED THE MONEY TO BMG MONEY ( TRACE ID XXXX ). I HAVE CALLED BMG MONEY MANY MANY MANY TIMES EXPLAINING WHAT HAPPENED AND THEY DO NOT GIVE ME THE MONEY. YESTERDAY I PERSONALLY WENT TO THE BMG MONEY OFFICES IN XXXX XXXX I EXPLAINED THE PROBLEM I AND THEY DO NOT GIVE ME A SOLUTION TO MY PROBLEM. PLEASE I NEED HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: DC

Complaint narrative:
I was informed that my request for XXXX wasn't approved ( see text below ). When trying to get in contact with them, their chat service said to call. I'm calling and have now been on hold for 1 hour, 11 minutes, and 35 seconds. None of their social media allows for contacting them through direct message. 

Additional Action Is Needed to Change Your Repayment Plan Dear XXXX, You recently requested an income-driven repayment plan, but we are unable to approve your request. Log in to your Nelnet.com account and select Documents from the menu, then Inbox to view more details about your request and available options.

It is important to check your inbox regularly because these messages may be alerting you of action needed for any recent requests, repayment plan information, or other updates to your account.

You can always access your messages and account details when you log in to your Nelnet.com account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: GA

Complaint narrative:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

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 2023-10-23 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: GA

Complaint narrative:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: GA

Complaint narrative:
These identity thefts that i have alined are clearly and conspicuously in safeguarding violations to laws 15usc1692, 15usc6802, as well as code 15usc1681b prior to the the new congress laws findings updates for the following laws above. i also am unaware if i am a victim of consumer data breach due to any of the business persons prior to this statement ; that did not have my full disclosures, permissible permissions nor authorization to leak my private information amongst third party consumer reporting agencies which i may repeat is in violations to the codes above which are applicable for my lawsuits.

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 2023-10-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in. 
LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account # XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 1 am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rhode Island Housing and Mortgage Finance Corporation
State: VA

Complaint narrative:
RI Mortgage Housing purchased my loan shortly after the company 's recent incorporation. Communication was a nightmare. Getting my automatic payment setup was time-consuming and required multiple phone calls and mistakes were repeatedly made with my escrow. 

Fast forward to a month ago. I needed to change the account my payment was drafted from. I called an agent, but they wouldn't take the new account information. They explained I had to use the web platform. I attempted to use the web platform, and it would not work. I called back and they said the server was down and it would take a day or two. I was suspicious because of the nature of the error, but I tried repeatedly anyway. The web platform still did not work. In hindsight, the rep lied to me about the nature of the error. 

I called again, had to wait on extended holds, and finally talked with a supervisor on XX/XX/XXXX. He said we would have to have a paper form signed and emailed to change the account. I filled out the form and sent it in as an attachment. The supervisor said he couldn't draft from my new checking account unless he had a canceled check. I don't use checks for that account. We argued, I told him he needed to accept the new account information. He said okay and said he would reach out if he needed anything else. 

No surprise, a month later I get a collection notice, and a bill for late fees. After waiting on hold and talking to 2 reps and a supervisor, she took responsibility for a scrivener error when transposing the account number. She said she would reverse the fees. While that was a positive development in the saga, my experience with RI Housing suggests I may not be done with the issue.

Handling the simplest of tasks with RI Housing has been a nightmare since they purchased my home loan. I should have to spend hours and hours on the phone just to make a payment or ensure my escrow is taken care of properly.

Company response to consumer: Closed with explanation