vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On or around XXXX XX/XX/XXXX XXXX returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with XXXX and CFPB complaint XXXX with Experian on or around XXXX XX/XX/XXXX. I have disputed with Experian directly regarding the issue on XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. Experian last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both Experian and XXXX now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by Experian nor XXXX payment history reported by XXXX. With Experian and XXXX having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, Experian and XXXX know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under 15 USC 1681e. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to express my deep concern and frustration regarding the unexplained closure of my XXXX business checking accounts with Bank of America on XX/XX/2023. As of now, it has been two months since the closure, and I am yet to receive any concrete information or release of my funds. 

The total balance in both of my accounts amounts to approximately {$250000.00}. I have exercised considerable patience, expecting a prompt and transparent process for the release of my funds. However, the lack of information and extended delays in resolving this matter have left me in a state of distress. 

Each time I have reached out to Bank of America customer service for an update on the status of my check, I have been informed that my case is under an unknown investigation. Regrettably, there seems to be no specific timeframe provided for the completion of this unknown investigation. The uncertainty surrounding when my funds will be released, coupled with the suggestion that it may take months or even years, is deeply troubling. 

I would like to emphasize that I have maintained accounts with other financial institutions concurrently, and I have never encountered such a situation before. The lack of transparency and urgency in addressing this matter has severely impacted my confidence in Bank of America 's commitment to its customers. 

I am reaching out to request immediate and transparent communication regarding the status of the investigation into my closed accounts and the subsequent release of my funds. I believe that a resolution to this matter should not be subjected to an indefinite timeline, and as a valued customer, I expect a more proactive approach to address my concerns. 

I kindly request that Bank of America expedites the investigation process, provide a clear timeline for resolution, and ensure the prompt release of my funds, as the continued delay is causing significant financial strain and distress to my business and me personally. 

I appreciate CFPB 's prompt attention to this urgent matter and look forward to a swift and satisfactory 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 2023-12-12 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: PA

Complaint narrative:
THEY REPORTED THIS ACCOUNT ON MY CREDIT REPORT NAME : XXXX XXXX XXXX XXXX XXXX THAT ACCOUNT IS NOT MINE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: VA

Complaint narrative:
TO WHO MAY CONCERN, To addressed the issues within my complaint, I the consumer remains dissatisfied due to I have sent then a bank certified check to Moneylion XXXX  that I do not owe and believe to be fraudulent activity attached to my name. I do not know who the debt belongs to, but I paid by certified check XXXX. I have not received a bill in this amount or anything verifying a debt, proofs or documents with my signature. I have disputed the debt serval times with Moneylion and still remains on my credit report. I also contacted my bank to ensure the check was not deposited. In the meantime I have stopped payment on that check and reissued another cashier 's check.

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2023 I was leaving the doctor with my son when I received a message at XXXX stating that my phone number associated with my chime account had been changed. I immediately went to my chime bank app where I noticed that I couldnt log in. I called chime customer service at XXXX to get my account back. When I got connected They requested me to send photos of me holding my id to get into my account. I sent the photos to the chime email immediately. Chime then sent an email to let me reset my password. I logged into my account and noticed XXXX unauthorized transactions. The XXXX transaction was on XX/XX/2023 at XXXX for an amount of {$530.00}. The XXXX  transaction was on XX/XX/2023 at XXXX for an amount of {$1900.00}. Both purchases were purchases that I didnt authorize. The purchases were from a XXXX XXXX in XXXX XXXX but it didnt show the exact location. I called chime customer service at XXXX to file a dispute. When we were on the phone they told me that I wouldnt be able to dispute it yet because the transactions are still pending and would take up to 7 days to settle. I called chime customer service on XX/XX/2023 when the transactions settled and filed a dispute at XXXX. They told me they would look into the investigation. On XX/XX/2023 at XXXX I received an email stating that my claim was closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to reopen my dispute. While we were on the phone they requested me to send any proof that I had to their email and I did so. Chime reopened the investigation. On XX/XX/2023 at XXXX I received an email from chime stating that the claim is considered closed and no funds would be credited to my account. I then called chime customer service on XX/XX/2023 at XXXX to try to reopen the case. They then told me they would send me another email to upload photos with more proof. I havent received an email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This account is way too old to be on my credit report and they refuse to take off!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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 accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. 

As per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. 

Furnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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 accounts were previously disputed and removed ; however, they were recently added to my consumer file either under a new lender OR through the previous lenders. My student loans were dismissed under the Sweet v Cardona Settlement and I received documentation from the Department of Education on XX/XX/2023 ( enclosed ). These loans recently appeared on my consumer report under a new lender XXXX XXXX. 

As per 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ; ( D ) in connection with astudents application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( II ) the officials and authorities to whom such information is disclosed certify in writing to theeducational agency or institutionthat the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of thestudent. [ 1 ] ( 4 ) ( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of thestudent. If a third party outside theeducational agency or institutionpermits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), theeducational agency or institutionshall be prohibited from permitting access to information fromeducation recordsto that third party for a period of not less than five years. 

Furnishing this information to my consumer report is a violation of this federal law and was provided with out my authorization or consent.

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 2023-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: UT

Complaint narrative:
I am requesting confirmation that my repayment plan, listed as " level '' is PSLF eligible. 

I was placed on this repayment plan 2 months ago after MOHELA recommended it to me and told me on a phone call is is PSLF eligible qualifying payment. I have now read in some places online that this payment plan is not eligible for PSLF. I have sent several messages to MOHELA over several months and have never received a response despite their own website saying a response will happen within 3-10 days. 

I am just trying to confirm that my current repayment plan with MOHELA listed as " level '' for an amount of {$500.00} will be a qualifying payment and eligible for PSLF loan forgiveness? 

Thank you, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: VA

Complaint narrative:
I held a membership with XXXX XXXX, which was initially contracted for a 12-month period. However, I received communication from the gym 's cashier informing me of an outstanding balance. At that point, I explained that I had relocated to a different city and could no longer access the gym 's facilities. The cashier then clarified that, according to their membership policy, I was obligated to fulfill the full 12-month contract term, even if I was not using the gym. 

In an effort to resolve the issue, I inquired about the amount required to settle my contract. I was informed that my remaining balance stood at {$190.00}, to which I agreed and subsequently paid. To my surprise, I have now been contacted by a debt collection agency, First Credit Services, claiming that I owe them {$220.00}, and this matter has already been reported to major credit reporting agencies, including XXXX and XXXX. 

I am seeking to file a dispute with the Consumer Financial Protection Bureau ( CFPB ) with the hope that they will investigate and rectify this situation. I believe there may have been an error, and I am more than willing to provide any supporting documents that may be necessary to demonstrate the resolution of my contractual obligation and the improper reporting to credit bureaus.

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

Complaint narrative:
I am writing to address persistent inaccuracies on my credit report, which I have been working to resolve. Despite my previous attempts, it seems that there have been no corrections made, prompting my decision to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) to ensure the rectification of these discrepancies.

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 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
This is in regard to application reference number XXXX. 

I believe that Chase engaged in deceptive marketing / customer service practice, which in turn caused me consumer harm. Please see below. 

Every two years, I cancel my credit card product with Chase / Southwest when I am eligible to apply and receive the promotion they were offering. I have never had any issues with this prior to this occurrence. 

On XXXX, I spoke to a Chase credit card agent who confirmed I was eligible to apply for the promotion if I cancelled my current account. I proceeded with cancellation over the phone. The agent confirmed the product was cancelled. I also verified this to be the case within my Chase app. 

Subsequently, I applied for the Chase Southwest Priority card online. 

On XX/XX/12, I called Chase to inquire about my application. They informed me I was declined for having a similar product, which is inaccurate. Because I felt deceived and I feel I am experiencing consumer harm from following what the Company told me to do and I am now without a personal credit card during the holiday season, the agent transferred me to management escalation team. I spoke with XXXX, who simply told me the decline reason and offered no further assistance. She transferred me to the complaints department. The agent I spoke to let me know that he feels no one in the Company will be able to help me. I asked to speak to someone to at least be able to reapply and utilize a promo code to access the promotion I should have had access to. He indicated that was not possible. 

I informed them I would file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am reaching out because I have sent out dispute letters to these credit bureaus on these dates below : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 I have yet received any information stating if they have verified these accounts or if the account is accurate. Upon my FCRA rights they have violated those rights that I have requested a dispute investigation on these accounts. I have been waiting to long for these accounts to be investigated.

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 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2023, I made a payment to Lowes and Synchrony Bank of {$250.00}. 
XX/XX/2023, an auto payment was taken out of my checking account for {$250.00}, this was not an approved withdrawal out of my account. I called on XX/XX/XXXX, to Lowes and tried to explain the issue that somehow, they withdrew {$250.00} out of my account, and they told me that it had not shown up on their system yet, and that it would take 15 days to refund my money. I then called my bank XXXX XXXX XXXX XXXX and asked them to look into the withdrawal. XXXX XXXX looked into the issue and refunded my money on XXXX. Lowes sent me a new statement On XXXX XXXX, stating that I owe them {$340.00}. Saying that I still owe the {$250.00} plus late fees. I called Lowes and they said that they sent me a refund check for {$250.00} on XXXX XXXX. I never received this check and asked Lowes to produce the check with my name on the back and said they did not have too. That I still owed them money. I never received the check nor did my wife whose name is on the account. I cancelled the account I the account is paid off but they still want money from me.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX added warranty and maintenance products to the loan I told them I did not want. The reimbursement check from the dealership was sent to southeast Toyota finance XXXXXXXX XXXX and has yet to be posted to my account. I have called multiple times and they say it is under investigation or is pending.

Company response to consumer: Closed with explanation