vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was charged by Bank of America an incoming wire transfer fee when it was already paid for by the outgoing bank. They are not helping me with this saying its always a fee charged whenever incoming transfers are there but the fee was already paid from the other bank. This is solely the problem from BoFAs system. 


These are the dates of my wire transfer fee taken by BofA which were already paid for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 monetary relief
Consumer complaint received 2023-05-18 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:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
At the end of 2022 I called to dispute charges, the rep had me on the phone for over an hour and he didnt do what he was supposed to do which is dispute the indicated charges. That generated interest charges that I was told they will be waived. The interest charges are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These fees happened cause the rep failed to do his work which I called to dispute some charges. I cant hold accountable for the credit card employees mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that these inquiries were erroneous. The 3 credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had erroneous reports on an account that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX Balance : {$8200.00}

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 2023-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Approved for 6 months of government Homeowners Assistant Fund. Mortgage company has cashed XXXX, XXXX and XXXX payments but have NOT been able to locate to apply to my account. These funds have been approved from XXXX XXXX, XXXX, XXXX were applied with no problems. Ive been contacting my loss mitigations department and mortgage company several times per week since XX/XX/23. Last update I revived yesterday when calling was that it was still being escalated and the check numbers and cashing information was received from HAF - but, they have applied anything to my account as they were still searching for these funds. This is ridiculous! 3 months of escalation getting the check information that they cashed months ago, but yet NO results to be able to apply to my account. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Submitted Identity theft report previously for account XXXX XXXX account number XXXX. This account was removed and blocked. It was also reporting an address that is not associated with me in XXXX, Idaho. I also had to dispute and update my credit report to get that address removed as I've never lived in Idaho. Transunion can confirm that with my personal information and employment history I've never lived in Idaho. My dispute is that Transunion should of not have allowed the creditor to re-insert information that Transunion knew to be inaccurate from previous disputes with a valid identity theft report as well as the creditor reporting incorrect addresses not associated with my personal information. I request this to be reviewed and escalated and my credit report to be updated as accurate.

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 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I have requested an audit of my account to determine proof of payments & my request was denied. Payments have been made on the loan, but are not posting, so I'm receiving late fees & being charged daily interest on balances that are not owing. Lender is refusing to provide my financial institution with transaction reports showing their attempts to debit ANY amounts for towards the loan. 

Payment made XX/XX/ via online banking in the amount of {$150.00}. Merchant states the transaction rejected, but are unwilling to provide transaction details. The account number used to make this payment matches the account number the merchant has on file for online payments. The funds were available & we have been unable to determine why this payment was rejected. 

XXXX made XX/XX/XXXX  via online banking in the amount of {$88.00}. Merchant claimed it was never received. This transaction was rejected, merchant states 'incorrect account number '. Without transaction reports, the account number entered for payment can not be determined as correct or incorrect. 

Payment made XX/XX/ via XXXX in the amount of {$170.00}. Merchant claims it was never received, XXXX has confirmed payment was not returned, so where is it? 

This merchant has purposely setup their online banking system to reject payments from willing customers while continuing the charge fees for non-payments. This is a clear violation of their contractual obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It's a long story but my ex-wife got involved with these XXXX XXXX  running an organized crime deal. Especially with the covid 19 tax programs. They stole and duplicated not just my identity and my deceased families identity. They were able transfer my fico score There's a lot like all of XXXX my social security number didn't show up on my consumer report. Mine ends in XXXX. There was a a XXXX on my report. 
There was an XXXX XXXX, my ex sister in law XXXX ( XXXX ) XXXX, there was my information at the social security office changed. My mother 's name was changed, and many other things like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here in XXXX CA on XXXX XXXX and XXXX XXXX. The are where there's an oil company, car dealership. 
There's a XXXX XXXX, a {$43000.00} loan, the IRS put a lien on some property. Someone not only paid it, but over paid it. 
When I was driven off the road on XXXX I owed XXXX XXXX {$500.00} to retrieve my car. Someone with a tow truck paid the {$500.00} deductible that the bank didn't cover. Then they hauled it off. 
There's a lot!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
In XXXX i have purchased my house furniture from XXXX in XXXX XXXX at that time salesman soled all the furniture to me and have me approved with their XXXX credit card my community bank and told me you just simply make payments on this and afterwards when you done with payments you will have this credit card for future use for future purchases as that i was doing so and now in last XX/XX/XXXX i see {$4000.00} interest charged on it and when i go in the showroom to see whats going on then that salesman no longer works their and they told me that was a plan that i have to pay whole amount in 4 years or they charge me interest for whole period this thing that i was not aware of and the salesman didnt mention that when i was buying and now i when i had {$2000.00} left they putt {$4000.00} more as interest and i have no where to go

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
This account named JPMCB with the account number XXXX is listed as a charge-off on my credit report, however a balance is still being reported. I never received a 1099-C for this account. This account must be removed from credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: PA

Complaint narrative:
To whom It May Concern : I have been a PNC Bank member for 20 years. I have never asked for a credit card increase. I did so on XX/XX/XXXX to take advantage of a 0 % transfer offer. I was told on the phone that the increase was approved and I would receive a letter detailing the new limit. 

Instead, I received a letter today saying I was denied because of either a ) my credit score, b ) late payments c ) credit line balance or d ) amount owed on my PNC card. 

However : XXXX. My credit score is XXXX ( it states that on the letter ) XXXX. I have had zero late payments. 
XXXX. I paid off my home equity loan, so my balance is XXXX. 
XXXX. I owe {$10.00} on my credit card, which I pay off every month. 

I earn {$120000.00} a year. I have had the same credit limit for 20 years. No one at PNC can explain why I was denied when I provide information that none of the reasons they claim are true. 

There seems to be some fraudulent behavior happening on the bank 's part because they would rather I use the money on my high interest home equity loan than take advantage of the 0 percent credit card deal. 

I look forward to the bank 's review of its credit assessment issues. Feel free to contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
On XX/XX/XXXX received notice of a debt. On XX/XX/XXXX sent demand for validation and proof of claim. On XX/XX/XXXX they sent the same notice. The debt was not validated. on XX/XX/XXXX and XX/XX/XXXX, they continued to send notice to collect the debt without validation. On XX/XX/XXXX, I sent second demand of validation and proof of claim. Both times they were given 30 days. On XX/XX/XXXX they sent the same notice. On XX/XX/XXXX I sent a Notice of Fault and Opportunity to Cure. The sent the same notice on XX/XX/XXXX. On XX/XX/XXXX I sent an Affidavit of Notice of Default. On XX/XX/XXXX they sent the same notice that included statements from XXXX XXXX. The law states they can not use statements to validate a debt. They NEVER validated the debt. However, on XX/XX/XXXX, they furnished my credit report with a collection without my permission. I also provided them with evidence that I and the Secured Party Creditor and they totally ignore it. I also own the copyrights to the name and they continue to use it without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
XXXX XXXX and M & T Bank, in collaboration, has provided false inaccurate fraudulent mortgage accounts activities, under my identity that is unlawful and untrue. 
These mortgage entities have claimed that the property located at XXXX XXXX XXXX in XXXX Texas XXXX, was used as collateral on the property located at XXXX XXXX XXXX in XXXX Texas XXXX. 
This is incorrect and not true. 
The property located at XXXX XXXX XXXX XXXX Texas XXXX, was purchased in XXXX and the loan servicer was XXXX XXXX 
XXXX XXXX  purchased the loan from XXXX XXXX  on XX/XX/XXXX in XXXX of XXXX a loan was established under my identity in the amount of {$80000.00} under the XXXX XXXX XXXX services. The collateral property proclaimed to be on XXXX XXXX was used to secure a property in XXXX. 
This is fraudulently without my knowledge or authorizing M & T. Bank claims entitlements that are inaccurate and not identifiable by the XXXX XXXX XXXX XXXX. 
The property on XXXX XXXX was not used in XXXX to secure a loan in XXXX. 
This is absurd and the original documents to the properties involved held by the veterans loan guarantee program do not reflect these allegations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18 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: EQUIFAX, INC.
State: IA

Complaint narrative:
UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXXXXXX XXXX U S DEPT OF EDXXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX  Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-18 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: IA

Complaint narrative:
UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XXXX XXXX U S DEPT OF ED/XXXX XXXX XXXXXXXX XXXX {$1900.00} XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX  {$2100.00} XX/XX/XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX  XXXX {$29000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$330.00} XX/XX/XXXX Also please immediately remove the unknown names and unknown addresses that I listed on my FTC identity theft report that I have attached... Thank you

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