vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had opened a CFPB case XXXX with information. Bank of America closed that even after i provided valid data. I opened XXXX which was closed by CFPB. I am opening a new case and attaching the data. I have already shared the password with Bank of America. When I tried to check for any discrepancies in the Bank of America credit card account. The actual balance as per XXXX XXXX statement is XXXX but I notice an extra amount of {$1.00} when I calculate difference between all purchases and all payments. I am attaching the spread sheet that explains the discrepancy. On Tuesday, XX/XX/2023, XXXX XXXX  PST, XXXX XXXX XXXX wrote : Respected Officials, After i replied, there was a XXXX  cent deposit into my account today morning. I need proper data about where this interest is coming from and without that i request Bank of America from avoiding resolution to the cases. When a deposit is made, there must be a reference to dispute it is related to. If there is market manipulation in XXXX or USA or any other country that had insiders information about this, it must be investigated. I have an FTC case open XXXX. If Bank of America says that they provided a temporary credit for a dispute, until the dispute is resolved, then why should they charge interest on the expense being disputed. If they indeed received an interest from the merchant then the interest must goto Bank of America. That is the reason i opened the cases and issued refunds. If they claim to provide temporary resolution and gave me the amount disputed then they must not charge an interest on that. To make me sift through their bank statements and file a CFPB case takes time. But closing a case opened saying that they are unable to open a file i sent is not correct. Especially, without officially communicating it to the person opened the case. Bank of America has closed the case the CFPB case XXXX again on XXXX XXXX without any detailed response. So I am logging a new case. They have mentioned that they haven't provided complete details to protect my privacy and they have sent it by postal mail. I request that the company investigate and keep the case open until I receive detailed resolution.

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 2023-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
Back in XXXX the medical bills was open according to my health insurance company I also got cut off XXXX on myXXXX birthday like XXXX  years ago due to not reapplying that I wasnt aware of cause my mom was incharge of my information if I knew are was alerted I would have got on top of it so that I wouldnt have to go through this situation so I called the people who billing/reporting it to my credit which is WAKEFIELD & ASSOCIATES . I ask is they can waive the fee for me due to my situation in they choose not to work with me. So I decided to file a complaint with CFPB And I also filed a dispute on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company information

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 2023-04-21 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: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX  {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 explanation
Consumer complaint received 2023-04-21 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: FC HoldCo LLC
State: CA

Complaint narrative:
XXXX XXXX DEPARTMENT {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 explanation
Consumer complaint received 2023-04-21 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: NY

Complaint narrative:
Ive been filling disputes of these issues since XXXX. Nothing has been resolved.

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 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
We opened a new checking and savings account online at Citizen 's Bank on XX/XX/2023. To fund the account, an ACH transfer of {$2400.00} from XXXX XXXX  XXXX was entered with allocations of {$2200.00} to Citizen 's Checking and {$260.00} to Citizen 's Savings. The {$260.00} transfer is still not completed as of XX/XX/2023. Attempting to resolve the issue with Citizen 's Bank, they disclosed that they had an issue affecting new online enrollment accounts, resulting in our new savings account being " frozen '' immediately after opening with no official reason. The fund transfer was rejected, and Citizen 's Bank is unable to locate our money or assist in any helpful way. Citizen 's claims they returned the funds to XXXX XXXX XXXXXXXX on XX/XX/2023 and provided us a tracking number, but XXXX XXXX XXXX claims they do not have the funds and can not help us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I tried sending money to my wife in XXXX through " XE " a money transfer company. They ask to connect them to my bank XXXX thru thru service call XXXX  which I did. Subsequently they requested a copy of my passport to be uploaded to verify my information, which I did. I received a message that something went wrong, so I tried it with my drivers license and received the same message that something went wrong. Than I received a message that my account was closed and all transactions cancelled and my the copies of my passport and Drivers license will be held by them. Furthermore they refuse to tell me why they cancel my transactions or why they keep my info. i am not sure if this was a scam to get connected to my bank account and all pertinent info about me and if they are legit why they cancel this transaction. 
Your assistance will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}

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 2023-04-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SC

Complaint narrative:
Multiple charge offs are being reported on my credit. XXXX XXXX Acct : XXXX {$25000.00} XXXX XXXX XXXX {$22000.00} XXXX : XXXX {$22000.00} According to The IRS : You must report the canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT! By definition, the IRS clearly says a canceled debt or charge-off is income. The reporting of these accounts as debt are inaccurate. 

They are violating my rights under 15 USC 1681 s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681 section 602 A-states have the right to privacy 15 USC 1681 a Section 2-Definitions ; rules of construction/Exclusions 15 USC 1681b-Permissible purposes of consumer reports Company information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  XXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Owed : {$3000.00} XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXXe Owed : {$0.00}, XXXX XXXX XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Inquiries included in dispute : XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX  Inquiry Date XX/XX/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 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
In XX/XX/2023, I paid {$500.00} for a Home Appraisal through Rocket Mortgage. The appraisal report had a lot of errors such as actual square feet. The appraiser only took pictures of the home. He identified the dining room in the pictures submitted as a bedroom. The Sketch Addendum doesn't show the dining room or the extra bedroom. Picture of out building wasn't included in the report. I believed my house was low balled in value. I have found about 55 - 179 comparable sales of higher valuation. I brought this to Rocket Mortgage attention. On XXXX XXXX, I spoke with XXXX XXXX XXXX appeal representative ) for about 45 minutes. I was told that it was my responsibility to find comparable properties. That afternoon, I submitted 6 properties. On XX/XX/XXXX, I was told I could only submit 3 properties. I submitted 3 properties on XX/XX/XXXX. On XX/XX/XXXX, appeal was denied because the properties that I submitted were not located in the same County as my house. All of the comparable sales were in the same county. On XX/XX/XXXX, I submitted 3 properties that I thought were in the same county. The reply email was " appeal can only be submitted once ''. All email correspondence was with XXXX XXXX. She did not tell me the parameters to submit properties such as how many, they had to be in the same county and that the appeal process is a one time review. The second appeal report was on XX/XX/2023. The Comparable sale for # 2 and # 3 were changed. The value of my house did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
XX/XX/XXXX- Discovered on my credit report that the debt collector, Genesis Credit Management , LLC had reported a {$1600.00} debt to all three credit bureaus. 

Prior to that, I have not spoken to, nor received any mail or communication about this debt from Genesis Credit Management LLC. I was completely unaware that the debt would be turned over to the credit bureaus. I was not given a chance to verify, nor dispute OR been notified that I could dispute the debt. I was completely blind-sided until I saw my credit score. I was also not aware that this debt would be turned over to collections ( Genesis Credit Management ). There was no contact throughout the entire process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CITIBANK, N.A.
State: CT

Complaint narrative:
This dispute with Citibank has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as Citi suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple Citibank 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. Ciitbank refuses to stand behind a multitude of their trained staff. 

As of recent, the Citi 's Executive Response Unit has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of 6 including XXXX XXXX children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing Citibank for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2023-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
My daughter took out XXXX student loans and used my name and identity to co-sign without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
XX/XX/2022 PayPal took XXXX that was on hold for XXXX  days & kept it after sending it to themselves.

Company response to consumer: Closed with explanation