vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/22 two transfers were initiated between my accounts. One for {$150.00} and one for {$1600.00}. Each were transferred from my account ending in XXXX to my account ending in XXXX. 

I did not initiate these, when I contacted the bank, they said it shows my login and that it was done online. After speaking with multiple " fraud '' departments they told me I needed to speak to another specifically for this. After a hold of XXXX hour, an agent picked up. 

I asked it we could find the IP address to identify where this originated, he told me I needed to open a fraud inquiry, I said fine. When he found out that the transfer was between my accounts and did not result in a loss, he said it did not qualify and he could not help me. 

This transfer caused an Overdraft that is causing a Goverment Tax payment to bounce. I have since changed my password, but am concerned as to how this happened and want to get background on the IP address it was performed by. I see no record of it in my audit trail online.

I do not understand why Fraud complaints are so difficult to get the attention of Bank of America

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 2022-12-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
on XX/XX/2022 I submitted documents that showed grave inaccuracies in information being reporting on my credit file by Equifax, XXXX and XXXX. The only one of the above entities that I received a response was XXXX and it did address 3 of the unfair and unbeneficial items reported ; however there are many more items that I requested to be deleted due to major inaccuracies and surely this is not fair and equitable to me. This is a major infraction and violation as of the FCRA and I have given the above entities sufficient time to comply and it has not been done. I request that all of the inaccurate information BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I received correspondence from Alliant Credit Union on XX/XX/22 in the form of 2 letters - one letter contained the account number of the savings account that had been opened using my personal information and the second letter contained the PIN number to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Team Recovery Inc.
State: OH

Complaint narrative:
This is kind of a XXXX part debt issue. I received bills for services for my children. I sent the hospital my child support orders that state that I am only responsible for a certain portion of the bill. I have communicated with them that I should only be billed for what I'm responsible for, they told me that I need to pay it and get it from my children 's father. I've told them multiple times that I barely get child support why would I pay a debt that not mine per my child support court order. Hospital send the bills to collection after like XXXX months even though it takes them longer than two months to get me a bill. I contacted the collection company and provided them with the child support orders, I've paid more than I should have or medical bills and they need to send the bills to the children 's fathers and to quit harassing me for them. The balances are not correct and I have requested that hospital reflect what is due from me and I have paid my portions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  is trying to charge me for services that i did not need. The policy was too expensive and I moved they didnt have banfeild where I was. I called them after not taking my dogs there for months and still being charged. They in turn called incessantly and now have sold My personal information to a third party without my consent or knowledge. IC solutions who have now reported the same account to collections 2 times on the very same day. As a result I have XXXX separate derogatory hits to my credit file and my score reduced significantly. This is not only illegal but unethical.

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 2022-12-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2022-12-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
The company shows that I am making a {$26000.00} per month payment. I am not making that payment. The account was turned over to a collection agency, but it is not show as discharged with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On or about XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX while looking to be prequalified for a vehicle. I was not advised of any hard inquiry to my credit file. I was informed I was not qualified after about a week later. I was advised they could not assist with the purchase of any vehicle. 

I did not give permission or authorization for XXXX XXXX XXXX XXXX to send my information to several lenders. This was to be a prequalification only. 
I have attempted several times to dispute this matter with Experian Credit Bureau As I am reviewing my credit file with XXXX Credit Bureau. I have hard Inquiries from : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX These 5 hard inquiries are not warranted as I did not provide permission verbally or written to reach out to these partners or XXXX  XXXX XXXX XXXX XXXX 

I reached out to Experian Credit Bureau XX/XX/XXXX and spoke with operator XXXX. 
The operator advised that there was nothing she could do to remove the fraudulent inquiries off of the credit file. I advised I would reach out to your organization and file a complaint. I was told this was my best option as XXXX rejected my request for removal.

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 2022-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC
State: CA

Complaint narrative:
I received a letter from Firstsource Advantage LLC in XXXX XXXX  referencing XXXX Claim Number and Reference no. The company claims I had written a check to XXXX XXXX which has been turned over to them for collection. The check was for an amount less than {$8.00} and in addition I owe another {$25.00} for their collection service. I have verified online and with my bank that this check cleared. On XX/XX/2022 I sent a certified letter to Firstsource letting them know that the bank shows that the check had been cashed. Additionally I contacted the XXXX XXXX telephone number on my statement and they confirmed that they show the check cleared in their system. I have not heard back from the company. Meanwhile, I went to pick up groceries at XXXX and they were unable to cash my check due to an adverse notice from XXXX. I have spent an inordinate amount of time trying to understand why they are claiming that the payment I made to XXXX did not clear and whether the claim is a mistake or fraud! Thank you for your help. I have documentation I can submit. Please let me know if needed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, and account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I've filed a complaint with XXXX XXXX  at PNC ( Complaint Id XXXX ) and no one ever respond. 

I received an email on XX/XX/XXXX ( see attachment 1 ), said I could receive {$15.00} e-gift card after make two bill payments. I've already made 5 bill payments ( see attachment 2 ), but didn't receive any gift card.

I contacted customer twice. First time, the agent asked me to wait ( see attachment 3 ). Then I waited for another month. The second time I contacted customer service, I was told that this promotion was from last year, and any bill payment after XX/XX/XXXX does not qualify ( see attachment 4 ). This is ridicilous since I don't even have my account open at that time. How could I receive the promotion email?

Please investigate this issue and issue the {$15.00} e-gift card for me. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I mad a police report.And the issue is being investigating.

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 2022-12-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven vears.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-01 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: IL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NE

Complaint narrative:
FEDLOAN asked for a refund on paid student loans in XXXX, they said it would take 2weeks to 2montbs, called in XXXX and was told it was still processing despite them saying I was transferred to a new company, new company had no account info ( and still doesn't in XXXX ). Called back in XXXX and they said they cancelled the request and I had to take it up with the new company who still has none of my account information. They never informed me of any of this in writing, emails, phone calls nothing, just cancelled the request and lied to me about it still going through when I called to check in XXXX. I should've had my loans 2 months ago, now Im going to be losing everything because they couldn't just tell me sorry you'll have to refund with the new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I was discussing a potential solar project with XXXX and they said they use Goodleap as their financing provider. I ended up deciding to use a different solar installer and never proceeded with XXXX, but Goodleap still proceeded to open an invalid loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover credit card attract customer to use digital wallet to buy things on the internet. However when I using the card there is a unauthorized translation so I called and reported it to the discover. Yes, the unauthorized translation was canceled immediately and they sent me a new card. But the card cant add to XXXX XXXX  again. I tried to call discover but no one can really help me solve the problem, they transferred me through 7 agents and I have to tell them information again and again. It really wasted my time and no reliable system to help customer solve the problem. Because the online store can only return refund original way. My money is lost. And I dont know what to do because no one actually follow my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I have the copies of what I sent to Experian that I was disputing shower this is the second time that Experian has not replied within 30 days for XXXX XXXX, XXXX XXXX that I do not have an XXXX  in my middle name so the account is not mine from XXXX XXXX  and XXXX XXXX XXXX XXXX. All three letters were Dated XX/XX/2022 and All I have sent were DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2022, XXXX XXXX, XXXX, TX, XXXX. Check the attachment for the tracking number. " XXXX XXXX XXXX XXXX # : XXXX XXXX XXXX  XXXX XXXX # : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX '' by me sending Experian letters that were DELIVERED, XX/XX/2022. It's been well over 30 days, and I still have received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian has 30 days to respond to my dispute.

This is a violation of my rights. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent Account # 1234, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Write to

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 2022-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My wife and I have Visa credit cards from USAA. I have been a member of USAA for 59 years. We spend approximately {$1500.00} each month on our two cards, USAA offers 1.5 % cash rewards on our cards.. My wife observed that the 1.5 % was not being deducted from the balance owed and had not been for some time. We called USAA to find out what had happened to the cash reward. We spent several hours and were shunted to at least eleven different people but no-one could explain where our money was. We were told our reward was {$34.00}. 
We have concluded that USAA has committed a fraud. They claim we get 1.5 % but they can't tell us what has happened to the money we are owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation