vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/XXXX I took out a " Zero-percent balance transfer '' on my Bk of America credit card and they charged me 3 % " transfer fee '' on a balance transfer of {$21000.00} totally {$600.00}. 

The " zero percent contract '' on my BofA VISA ( XXXX ) was for XXXX interest until XXXX of XXXX, but BofA withdrew a payment for the entire {$21000.00} from my checking account at the end of month one, terminating my transfer. 

When I called to correct the action, I got NO help. Rather BofA started charging me {$330.00} interest starting in XXXX & continuing each month until I paid off the balance and canceled the card in XX/XX/XXXX while requesting remittance of wrongly billed interest. 

Balance of {$17000.00} was paid to B of A on XX/XX/XXXX & card was CANCELED. On XX/XX/XXXX I received a billing statement with {$58.00} due. I immediately called BofA protesting. 

After sitting on hold for some 20 minutes, I elected to contact CFPB. XXXX of BofA promised a Customer Service Officer would contact me in 2-3 days to resolve the issue and hopefully refund me approximately {$1000.00} of interest charged on 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 2024-01-29 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: IL

Complaint narrative:
This situation is not only highly embarrassing but also indicates that either you or the company is accountable for reporting this inaccurate information. Kindly remove any late payment notations and update the status to " paid now '' or " as agreed. '' I consistently make timely payments on these accounts, and I earnestly seek your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX XXXX XX/XX/year> Department XXXX EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Inaccurate Reporting of Student Loan Transfer Dear Department of Justice , I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the inaccurate reporting of my student loan transfer from the Department of EducationXXXX XXXX XXXX for Public Service Loan Forgiveness ( PSLF ). This matter has resulted in significant harm to my financial standing, as it is preventing me from attaining a mortgage due to the duplicated reporting on all three credit bureaus. 

My student loan account, with the reference number [ XXXX ], was transferred to XXXX in accordance with the PSLF program. However, despite this transfer, both the Department of Education and XXXX have failed to update the reporting on my credit file, leading to the duplication of the outstanding amount of {$68000.00}. This discrepancy has had a severe impact on my creditworthiness and is impeding my ability to secure a mortgage for the home that my great great grandfather built with his own hands. 

I have made multiple attempts to rectify this issue by contacting both the Department of Education and XXXX, even XXXX, but regrettably, my concerns have not been addressed, and the inaccurate reporting persists. This situation is not only causing financial harm but also hindering my ability to pursue the benefits rightfully granted through the PSLF program.

I kindly request an immediate and thorough investigation into this matter, along with the prompt correction of the inaccurate reporting on all three credit bureaus. Additionally, I seek assurance that measures will be taken to prevent such errors from occurring in the future, ensuring that borrowers are not unfairly burdened by the consequences of inaccurate credit reporting. 

I appreciate your prompt attention to this matter and expect a timely resolution to prevent further damage to my credit and financial well-being. Please provide confirmation of the actions taken to address this issue at your earliest convenience. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received an alert on XX/XX/year> concerning a hard inquiry from Capital One to XXXX, XXXX etc. I did not initiate this credit card request. I contacted all parties that day to alert them. Capital One did not have any request from me. 

Today I review a letter from Capital One requesting copies of government issued id. Even though it looked very official it was on cheap paper and the phone number on it ( XXXX XXXX ) did not match any numbers I could find for Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Was trying to use the Bank of America ACH online Bill payment system to pay my contractor for work performed. On XX/XX/23 I attempted to pay {$7500.00} ACH Trace XXXX from my XXXX XXXX account to my contractor 's ( XXXX XXXX XXXX XXXX XXXX XXXX at BoA. On XX/XX/23 I attempted a second {$5200.00} payment ACH Trace XXXX from my XXXX XXXXXXXX account to my contractor 's XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at BoA. XXXX XXXXXXXX confirmed sufficient funds were withdrawn from my account and sent to BoA 's ACH Clearinghouse. In both cases, the payments failed some type of audit check and I received emails from BoA that both transactions were voided and the funds were returned to the originating account. Four months later, the {$12000.00} has yet to be returned to my XXXX XXXX account. 

Since this is not my account at BoA and my contractor has not been willing to get on a conference call with BoA and me to authorize BoA to talk with me, BoA is unwilling to help me. My XXXXXXXX XXXX  has been working with me and was finally able to contact someone in the BoA ACH Research Department, but to date we don't yet have the return ACH Trace number nor has BoA done anything to help find the missing {$12000.00} they claim was returned to me. 

I am willing to provide supporting email documentation if needed to resolve this.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Starting on XX/XX/XXXX I sent dispute letters to the 3 bureaus ( XXXX, XXXX and Transunion ) disputing the late payment on the Closed account with XXXXXXXX XXXX. 

Payments status reflects CURRENT on XXXX and also on Transunion but on XXXX it is reflecting that I have been 180 Days late on a CLOSED account that has been paid in FULL and has a XXXX balance. 
I have submitted more dispute letters in XXXX XXXX and just recently today XX/XX/XXXX I have received no response and clearly this is not reporting accurately. According to the F.C.R.A any item or items that are not reporting correctly should be deleted.

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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app sold my stock on XX/XX/XXXX without my knowledge or consent. They claim my account violated their policy is the reason. Ive asked what is the violation and nobody will tell me. There has been no violation on the account. They didnt take my bitcoin due to the supposed violation. I emailed them about this and they claim to have sent me an email on XX/XX/XXXX saying to transfer my funds that I never received. Im told the account is closed, however the shares they stole have still received dividends per the cash app account. Still happening after they claim the account is closed and I have no shares. I have no idea where the dividends are going. I was not told or asked about selling my shares. They did this illegally and have not returned my funds or shares.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, 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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have never held an account with capital one. Months ago I received a statement and when I called they told me they would close the account. Now months later I receive another statement. The balance is XXXX and they say there has never been a charge on it but they did not cancel the card last time and refused to cancel the card this time unless I agree to a bunch of stuff. My credit should not be held ransom by a company I have never done business with and due to this never will.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
There has been several transactions that has occurred that was not done or authorized by me. The only person that had access to my account through his email address was XXXX XXXX his email was XXXX and XXXX he is accessing PayPal account and other accounts, I got reports already on him for thefts at my home including XXXX and XXXX XXXX has been helping hack and steal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 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: PA

Complaint narrative:
I noticed my credit report score drastically change and also was denied loans. 
One of those loans being a auto loan that got denied due to this XXXX mistake. I have no other plan to come up with the money to purchase this family vehicle. 
I noticed the false information XX/XX/2024. 
I applied for a Auto loan XXXX XX/XX/2024. 

I called the Original Creditor and They told me its a issue I have to take up with EXPERIAN themselves for reporting the false info. And they proceeded to send me my actual balance.

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 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XXXX XXXX, 2023, I created an online checking account + a XXXX account to use an offer that Chase has sent me on different occasions by mail, e-mail, and through the app to open a Checking account + save to get XXXX. 

I did, and deposited XXXX ( minus XXXX  ) a couple of XXXX  after they froze my account with the pretext of an identity theft attempt, to which I never saw any evidence nor detected any unusual activity. I visited a branch to get more information, and they asked me to place an identity theft claim ( even tho I have no evidence of such a thing ) ; I did then and there with the branch XXXX. 

On XX/XX/XXXX, my account was closed, and the money disappeared. I talked again to the XXXX number, and they asked me to place another claim, and told me a check would arrive in XXXX business XXXX. 

On XXXX the XXXX I contacted the XXXX number again since the check is nowhere to be found, after XXXX XXXX  on the phone, they asked me to place another claim for identity theft, and they will contact me in XXXX business days to let me know how to proceed. 

It's been XXXX XXXX now that Chase has XXXX of mine, and I haven't been able to invest, spend, or make use of it in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX  XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in the document. 
According to 15 U.S. Code 1692j, it is unlawful to design, compile, and furnish any form knowing that such form would create a false belief in a consumer that a person is a creditor of the consumer or represents a creditor of the consumer, among other prohibited actions. 
Given the above, I believe these entries on my credit report may have resulted from deceptive practices or inaccuracies, and I request a thorough investigation into each of these items. Please validate the legitimacy of each entry and provide me with supporting documentation. If any of the aforementioned items can not be validated or are found to be reported in error or in violation of 15 U.S. Code 1692j, I respectfully request their immediate removal from my credit report. Additionally, please send me written confirmation once these items have been removed or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Resurgent Acquisitions LLC for a range of violations, including but not limited to deprivation of rights under the color of law and engaging in unfair and deceptive trade practices. 

Resurgent Acquisitions LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my unalienable rights of XXXX religion and faith, falsely accusing me of owing an alleged debt which I adamantly refuse to pay. This company has demonstrated unfair and deceptive trade practices, as well as unfair debt collection practices. 

My religious beliefs, as stated in XXXX XXXX of the XXXX XXXX, emphasize " Owe no man anything, but to love one another, for he that loveth another hath fulfilled the law. 

Resurgent Acquisitions LLC, however, has disregarded my religious convictions and persistently harassed me, making false statements about my concerns. 

In response to CFPB ID XXXX submitted on XX/XX/2023, Resurgent Acquisitions LLC stated that my concerns were already addressed in their previous response dated XX/XX/2023 which is false and misleading. 

Despite my explicit statement that I do not give lawful consent to transfer my personal identification information, the company continues to cause intentional infliction of emotional distress, XXXX, and harm to my family, willfully depriving us of our rights and XXXX faith. 

I reserve the rights to sue Resurgent Acquisitions LLC, its agents, employees, counsels, attorneys, etc., and demand compensation for the damages inflicted upon me and my family. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX, XXXX All Rights Reserved UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2024-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
Fraudulent attempt to collect money not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of XXXX  and I submitted a self declaration which was notarized back in XXXX then I was told that was sufficient enough and last week my case worker supervisor gave her the letter to use and once again I am being told thats not sufficient enough my case worker signed it what more do you need. I want this documented because I want my daughter to be able to sue experian my address is on the internet so I need to move asap and I cant do that because they keep rejecting my documents

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 2024-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I changed from XXXX XXXX XXXXXXXX and u would think what does that have to do with target card? At XXXX eastern time I got an email that my carrier contacted card services that my phone number was deactivated and they removed it from my account. My phone number was never deactivated as u can verify so on my break at work I put the number back in. It never asked me who my carrier was. I contacted target card services was transferred to 3 people when saying I wanted a supervisor explaining myself 3 times XXXX said she would look into it. She kept telling me I changed it and that my email was spam. She put me on hold again and then says good news is that I put it back in so its there and that target card services did do that. I told her no one should be changing my phone number as texts were coming thru fine and that if I dont change something it shouldnt happen and asked for corporate number cuz she kept saying how I put it back in so Im good to go. Im not good to go. Im not OK with the changes. They allow people to make without even checking with the cardholder thats an invasion of my privacy. Thats intrusive and I feel violated. She refused to give me a number she told me she could give me targets number, but they wont do anything and that she would note the account I hung up on her, after being on the phone for 45 minutes what a way to make somebody feel like a valued customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sunbit, Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I received a notification from a credit monitoring app that my XXXX  credit score went down XXXX points. After researching I found this was done by XXXX for a loan I took out on behalf of my brother. After calling them they told me he missed XXXX payments. I asked them why I wasn't informed this and the agent informed me that they did send warnings but to the wrong email. No notifications were sent to the email, phone number or address I entered when I applied for the loan. I did not authorize any of this information to be changed. The only notification I received about the payment was a letter to my address dated XX/XX/XXXX, which was over 3 months past due date. When I spoke to the agent over the phone he assured me that if I made a payment for one of the past due months and set up a payment arrangement for the remaining payments I would not be reported anymore. A few weeks later I was reported again to lose XXXX more points. I continued to call the company while recording our calls as they do and I was lied to several more times, hung up on and even found out the original person I spoke with no longer works with the company. I was also told by my brother that he did attempt make payments but they were taking too long to take the money out of the account so he thought it was already paid when he continued to spend from that account.

Company response to consumer: Closed with explanation