vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I used the website XXXX to purchase both a plane ticket and a hotel room to go to the XXXX XXXX. I made the original purchase for the plane ticket on XX/XX/2023. I paid {$130.00} up front and agreed to monthly payments of {$170.00} to be paid until the total amount of {$1100.00} was paid in full. I was making the payments on time since the purchase out of my Bank of America checking account. On XX/XX/2023 I received several notifications from my Bank of America app that that six large transactions were made. There was four separate transactions for the amount of {$460.00}, a transaction of {$1000.00}, and a transaction for {$820.00}. I did not make or approve any of these transactions. Upon checking my XXXX account these transactions were not present and only listed my current monthly payments I previously agreed to. I spoke to a member of the Bank of America fraud claim team and gave him all of this information. Although a portion of the money was able to be refunded due to the team member canceling them in a timely manor, {$2300.00} remained unaccounted for. The team member opened a new claim for me on XX/XX/2023. On XX/XX/2023 I received a notification from Bank of America informing me that my claim has been considered resolved and they were unable to refund the remaining {$2300.00} as they believe I approved the transaction. I did not approve any transactions outside the month of XXXX. XXXX is also now demanding I continue to make my monthly payments of {$170.00} even though they currently have the {$2300.00} I did not approve them to take.

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 2023-07-02 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: MS

Complaint narrative:
n 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-02 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: MS

Complaint narrative:
n 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.

I told the Experian, TXXXX, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer repossessed my car after making {$25000.00} worth of payments. They stated that my balance was {$19000.00} after 4.5 years of payments at {$590.00} a month and did not make me aware of a fraudulent interest rate. They refused to allow me to get my car back from repossession unless I paid {$19000.00} in full. I was sent the most u professional collection email that stated they didnt want a partial payment, they wanted balance in full paid if I wanted my car. They have harassed me continuously with phone calls back to back all week long regarding collections. I need someone to PLEASE help me get this corrected. I am at a loss and now without a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I submitted the appropriate paper work on XXXX to close my credit card processing account effective XXXX due to the closing of my business. I also asked how to return the equipment/ supplies. I have made numerous calls to customer service, each time given a case number and a promise of a resolution, to no avail. They keep referring me to someone named XXXX XXXX XXXX. He will not return numerous calls/ texts. The account is still not closed over three months later and no one will tell me how to return the equipment. What should be a simple process has become beyond frustrating. What a terrible way to do business. XXXX  case # XXXX and # 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 2023-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: DISCOVER BANK
State: GA

Complaint narrative:
After closing my account, I noticed that I had a {$210.00} credit on the balance. The bank stopped sending statements and did not automatically issue a check. I called in today and the representitive said that is not their policy and that you had to request it. This seems like theft expecially when this business arrangement revolves around paying interest on the use of money for a period of time. 

They also did not credit my account for the rewards money that I earned. They did this because they said the account was closed. My opinion was the rewards were earned and should be paid accordenly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
So I got paid on the XXXX of XXXX and after I wanted to deposit all the money to my bank so I deposited XXXX and after I think I missed typed my bank account # or routing number but it allowed it to go through as if it linked up with my account so I went ahead it told me 1-2 days but like I said after I realize that 2 days have already passed and I havent seen it. My money even now I just manually fixed it with the right number but Im putting in a complaint just in case it doesnt work because money network also implied that the new account information would only work on my next payment or transactions but Im broke now so!!! Fix it help me tnx

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: FL

Complaint narrative:
XXXX XXXX XXXX has fraudulently sold my acct that was upheld with them to a collection agency I have no knowledge with or given my consent to having my personal information provided to them directly with written consent. XXXX has committed identity theft and fraud without my knowledge to a company called XXXX XXXX XXXX. I am unaware of this company and according to 18 USC 8, I, the consumer, do NOT owe any or alleged debt, it ALL belongs to the UNITED STAES Co.! I have placed a dispute with Experian the credit reporting agency and they have stated it is verified. Since I am a natural consumer that has been falsely proven and which was thru a computer generation and according to congress 15 U.S. Code 1679b they are in violation of allowing an agency to report falsely nd it prohibits them of false practices. My privacy is violated by XXXX providing information to falsely report and misleading information to appear because I do NOT know who XXXX XXXXXXXX XXXX is! I am sending this complaint because the Experian reporting company continues to update 2 or 3 times each month, which brings my score lower than the normal 1 reporting time each month.

They have already violated my rights as a consumer under 15 USC 1692 ( p ) law. I have a privacy right 15 USC 1681 and at this time I am exercising my right by filing this complaint. Neither company has submitted or requested a 15 USC 1692g validation of debt and I have numerous and XXXX just keeps issuing a statement but not with a negative balance. Answer me this, If a consumer owes an alleged debt how come it is not reporting a negative balance amount on the statement? Its because I extended my credit to XXXX thru my SOCIAL SECURITY NUMBER and they are falsely 15 USC 1692e as well as allowing XXXX XXXXXXXX XXXX violate 15 U.S. Code 1692f - Unfair practices.

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Sometime near the end of XXXX, I received a piece of direct mail ( see attachment ) that came jointly from State Farm ( the insurance company I use ) and US Bank ( a bank I had never heard of or used before. ) The mailer stated the following : " Earn {$500.00} Deposit Account Bonus with a new U.S. Bank Business Checking account. 
Follow these three steps to qualify : 1. Open a new U.S. Bank Silver, Gold, or Platinum Business Checking Package using promo code XXXX. 
2. Deposit {$5000.00} in new money within 30 days of account opening and maintain it for 60 days. 
3. Make 5 qualifying transactions and enroll in U.S. Bank online banking or the U.S. Bank Mobil App within 60 days of account opening. '' After opening the account, I experienced extreme difficulty funding the account with the {$5000.00} amount due to errors beyond my control at the bank. By the time I was able to get the correct amount into the account, the 60 days had passed. After many phone conversations, including with a call center manager who confirmed it would never happen, I finally gave up on ever receiving the {$500.00} bonus that was promised. A week or so later, I received a phone call out of the blue from someone at US Bank who had reviewed the recordings of the phone conversations and the records of my account. She apologized profusely about the problems and promised that I would indeed be eligible to receive the {$500.00} bonus. 

After transferring {$5200.00} on XX/XX/XXXX, I proceeded to make qualifying transactions and enroll in both online banking and the mobile app. I noticed on XX/XX/XXXX or XX/XX/XXXX that my account balance had dipped slightly below the {$5000.00} mark -- the lowest it got was {$4800.00}. I immediately deposited an additional {$250.00}, which put the balance back to {$5100.00} on XX/XX/XXXX. I also called US Bank and was assured by the first person I spoke to that US Bank " would use an average daily balance '' to determine the {$5000.00} balance for the promotion. 

Last week I checked the balance to see if the {$500.00} had indeed been deposited. It had not. So, I called again - likely the XXXX time total for calling or receiving calls about this issue -- a HUGE investment of my precious time. I was told that they would look into the issue and get back to me about a resolution. A few days later I did get a phone call back stating that I would NOT receive the {$500.00} bonus because the account had dipped below the {$5000.00} mark for a few days. 

This is the reason I do business with small, local banks who resolve problems the first time and stick with their word.

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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Helbing Law Group
State: GA

Complaint narrative:
Fraud & misleading information given by company. 
Want monies refunded. Will not do business with this organization again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter requesting a full investigation and removal of XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX GA XXXX to Equifax. Because my sister and I do not owe XXXX XXXX XXXX or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXX XXXX XXXX or XXXX XXXX XXXX XXXX Equifax has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the Equifax has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that Equifax have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02 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: ERC
State: PA

Complaint narrative:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ENHANCED RECOVERY COLLECTION company this is a written request for you to cease and desist all forms communication with me effective immediately.

12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt. 


Furthermore you have no jurisdiction or authority to collect on this allege debt. 

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine. 

You ENHANCED RECOVERY COLLECTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUMED TO TAKE ON XXXX XXXX XXXX XXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Please delete the following accounts from my credit report as I was a victim of disaster. This is a valid dispute and this is my second request. You are not on my side because you are inaccurately and illegally holding me accountable for items that should not be on my credit report.

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 2023-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am an excellent financial user of HSBC in XXXX. According to the regulations, I have the right to open an account remotely at HSBC in the United States. On XX/XX/XXXX this year, I submitted an application to HSBC in the United States. For the next three months, I have been trying to communicate with the bank, but the reply is always very slow. HSBC asked me to provide a statement on the source of funding. At the beginning, I proposed that the money might come from my father, so HSBC asked me to provide a bank statement, which I have provided. But then I changed my mind. I thought this part of the money should come from my salary, so I offered my payslip in XXXX. At this time, HSBC is still asking for information about my father. I think it is unreasonable and I have the right to refuse to provide it. In addition, HSBC ( United States ) called me many times at about XXXX XXXX. I have complained to the relevant department of the bank about this problem, but it is invalid. I will still receive calls after that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AR

Complaint narrative:
Ive been working for months to get my complete transaction history of my loans from start date of repayment. To date Ive been sent the same document over and over and it fails to include my loan balances. I just want to be able to see how my balance has gone down as payments have been made and Mohela continues to disregard my request and only sends a document that has payments and what was applied to principal or interest leaving me completely out of the loop on my beginning balance, and how balance has gone done against payments made. Idk what more I can do to clearly state what I need from them. 

Acct # : 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 2023-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a collection letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX on behalf of XXXX XXXX acct # XXXX. 

Thier Letter stated that I had 3 days to dispute which I did, I also requested a copy of the receipt/work order from date of installation. I received no reply and they reported it to Transunion Credit Reporting.

I disputed with Transunion, asking for the same documents and they replied it's my debt and no 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 non-monetary relief