vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
More than XXXX months ago Bank of America changed the PIN number of my debit card without without any previous notice. About XXXX weeks ago I contacted Bank of America and asked them to provide me the new PIN number because Bank of America was asking me for the number in order to process wire transfers to other bank accounts. The Bank of America representative told me that I had to stop by a BoA branch in order to reset my PIN number. I told him that I was residing abroad and that I could not travel to the US just to reset the PIN number of my debit card. The BoA representative told me that they were going to mail the new PIN number via regular mail but I asked him to mail the new PIN via express mail because BoA was asking me the PIN number to process a wire transfer. The BoA representative refused my request and reiterated that they were going to mail the new PIN number vial regular mail. I have been waiting for more than eigth weeks for the new PIN number but new the PIN has not arrived yet. Not having the new PIN number of my debit card is very inconvenient for me because I can not make payment or transfer funds from my account at Bank of America to other bank accounts. 

I will appreciated if you look into this matter and help me to resolve the problem with 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 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Unauthorized hard inquiry 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 2022-05-29 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: GA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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: GA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody 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 non-monetary relief
Consumer complaint received 2022-05-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 I did not give anybody 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 non-monetary relief
Consumer complaint received 2022-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a XXXX account that was closed without my knowledge I reached out to XXXX my credit score dropped XXXX points because the company said that they rebranded the credit card & I didnt have a balance because the card was already paid off in turn I left it open I did not close my credit card or give them permission to do so

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 2022-05-29 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As in my previous Complaint I reported that Equifax Credit Bureau is really fraud Bureau and it never showed my credit report to me and after seeing my CFPB complaint they said that they can invest and in some days they can showed me my credit report. 

And after some days they said to CFPB, Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reported on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

You see that fraud bureau showed that an investigation with the furnished of the information was completed and we hope this resolves your concerns. What investigation was completed what resolve my concerns? And they showed that I can create an account to manage security freeze and remove fraud alerts and initial credit file disputes. If I do these myself then why do I report their name to CFPB, that fraud bureau didn't let me log in to my account and I am already a member of that fraud bureau and not from now. I am a member of that fraud bureau for the last 10 years and whenever that fraud bureau chose they locked my credit report themselves and requested to send a copy of my driver 's license, social security card, or any utility bill so they sold those again to any third party and make money. 

Last year I log in to my Equifax account and that fraud bureau sent an email to me that I log in to my account and choose there some products. But when I tried to log in to my account they showed that I can contact that number and when I contact that number they said we need to verify you and to verify you need to send some documents to us so we can verify you and then show your credit report until no. 

No other 2 bureaus said this but this fraud bureau locked my credit report themselves and Violate Federal law as FTC or FCRA and after complaining here in CFPB they lied that they talked with me and solved the problem.

In XXXX many peoples also complain about them that this bureau is a fraud bureau, not a good bureau. So I request CFPB to take some action against this fraud bureau as FTC took action against this fraud bureau by selling consumer data to private companies. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear Sir/ Madam I am writing you regarding my most recent XXXX  money transfer which was initially place on the XXXX of XX/XX/2022 ( Chase wire tracking number : XXXX ). I was advised that the fund will be available to the recipient in XXXX business days but that was not the case. This transaction was for an emergency family support abroad but the delay from the bank as now costed me a great deal of inconvenience. I have called the bank customer service number of times to trace the fund but they were unable to assist. I was advised by the customer service that the delay was caused by the recipient bank ( XXXX XXXX ). My recipient also contacted his bank every single day and he was advised by XXXX bank that there isn't any international XXXX transfer showing on their system which means the delay / disruption is caused by sender party ( JP Morgan chase ). I also popped in to the local brunch but they could not trace the transaction either. After weeks of waiting, I have called the customer service today and instructed them to recall the transaction. Customer service started giving excuses such as " I may be charged extra interest by the recipients bank " which I find quite bizarre as the money never reached the XXXX! 
May I have attention from an senior management about this issue and request a full investigation? I also demand a full refund of my transaction as a matter of urgency! 
XXXX has asked JPM Chase to forward trace the fund and find out exactly where the money is or simply recall the fund.when I called the executive office they told me chase already sent the wire now my receipt r has to find out where the money is which doesnt make any sense as the tracking number they are providing doesnt even work. there is an element of fraudulent activities either from the wiring department or the branch where i sent the money from. Took over a month and no money was transferred this is not normal. Someone should be held responsible.Please help me out getting my funds back from this fraudulent bank. 
Yours XXXX XXXX Phone- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, On XX/XX/2022, authorized representative XXXX, from XXXX XXXX XXXX ext XXXX accepted that the balance of {$130.00} from the original XXXX XXXX XXXX of Georgia will be COMPLETELY DELETED FROM ITS REPOSITORY once balance was paid. I paid balance and it has not been deleted on of my credit profile with TRANSUNION, XXXX, and XXXX. I wish to have this deleted complete per request and law.

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 2022-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
Aidvantage XXXX Department of Education XXXX XXXX XXXX sent me an email about a subsidized student loan being behind on payments during the mandated student loan freeze going through XXXX. 

Email contents : " XXXX, we haven't received a payment from you. 

Life is busy- and we know it can be easy to miss a payment, but falling behind can have real consequences. Please make a payment today! 

Make a Payment Payment can be made online, over the phone or by mailing it to Aidvantage XXXX Department of Education XXXX XXXX, XXXX XXXX XXXX, XXXX, OR XXXX. Make sure to write your Account Number on the check or money order. 

If you need help staying on track or you're struggling to make payments, we have options. 
icon Enroll in Auto Pay- never miss a payment. 
icon Lower your Monthly Payments - Income-Driven Repayment plans may help make your payments more manageable. Eligibility depends on your income, family size and loan program. For more information, visit StudentLoans.gov/IDR. 
icon Temporarily Postpone Payments - deferment or forbearance options may be available to provide some relief depending on your circumstances. 
Log in to your account to read the important details about your account status, potential consequences if the delinquency continues and ways to bring your account current. 

We're here to help Visit us online at aidvantage.com or call us toll free at XXXX to discuss the options that may be available to you. We're here to help you Monday XXXX XXXX XXXX XXXX XXXX., Tuesday - Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX ET. '' When I logged into their website, they had an alert up : " Youve missed 1 payment.

Pay Now or Contact Us Need help avoiding delinquency or default? " Looking at my accounts, they were listed as " past due ''. 

This list of warnings and instructions made me pay the " past due '' amount, even though the loans are by law not required to be paid right now. Their deceptive warnings thus cost me well over {$1000.00} in immediate cost. It wasn't until after making a payment I saw a small notice on the top of the page saying that there was a student loan freeze in effect, but that was not included in the email saying I was behind and needed to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29 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: TX

Complaint narrative:
In reference to this Complaint number ( XXXX ) that was submitted on XX/XX/2022 and a response from Experian on XX/XX/2022 stating a reinvestigation would take place, giving them XXXX. It is now XX/XX/2022 and has been pass 30 days with the reinvestigation results. That is a violation. 

I have asked for description of procedure of the dispute that was investigated. The representative on the phone said Im not allowed of such information. According to 15 USC 1681 ( G ) ( A ) I have the right to know everything on my consumers report.

I have asked them to verify the payment history on this account and they have failed to do so.

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 2022-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I mailed off letters disputing negative information found on my credit reports. It's been more than 30 days and I still haven't received any information in regard to the account 's that were disputed. I am aware that credit reporting agencies have 30 days to respond to disputes but TransUnion has not followed up with me in a timely manner. Therefore I'm submitting this complaint in hopes to having my issue be addressed and corrected. 

I have attached to this complaint the original letter mailed off and my only two forms of i.d . 
verifying that this complaint is indeed from me and not a third party.

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 2022-05-29 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: PA

Complaint narrative:
15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose

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 2022-05-29 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: PA

Complaint narrative:
15 USC1681 Section 602 have right to privacy 15 YSC 1681 Section 604 A Section 2 : It also states A consumer reporting agency can not furnish account Without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card Account under an open end consumer credit plan as late for any purpose

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 2022-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Received Collection notice from Penn Credit Corporation Ref # XXXX on XX/XX/2022. Letter is dated XX/XX/2022. trying to collect a debt for XXXX XXXX Acct # XXXX that was opened in my name in Texas. I live in Pennsylvania and have never been to Texas. I believe my identity was stolen and have made a police report. I am sending Penn Credit the required information on XX/XX/2022 that they requested for correct this error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: MA

Complaint narrative:
Someone stole my bag, with my debit card, phone and identification. I don't normally use chime, and didn't know the XXXX XXXX deposited {$9200.00} on XX/XX/XXXX of 2022. 

However I believe I was targeted by a gang of XXXX XXXX  who live and operate out of XXXX XXXX XXXX, which is the XXXX XXXX XXXX in XXXX, MA. 

over the period of a few days they managed to steal all of my money, 114 transactions at XXXX. Ordering foodThe b, and other items. 

I filed a police report with XXXX XXXX, and detective XXXX was unable to recover any video camera footage. 

The bank Chime is trying to claim no error occured and that my funds where authorized. 

I went to the XXXX XXXX store someone made a purchase at and they claimed to have a copy of the receipt the perpetrator signed. Forensic analysis would show the signature is not mine. 

The bank is refusing to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I refinanced my mortgage with Loan Depot on XX/XX/2021 ; however, Loan Depot did not pay off my existing mortgage with XXXX XXXX the same day and instead waited until XX/XX/2021 to pay off my existing mortgage. As a result, I paid interest charges to both Loan Depot and XXXX XXXX for 3 days ( XX/XX/2021 - XX/XX/2021 ). 

I have contacted Loan Depot multiple times about this issue but have have not received a response. 

In addition to failing to receive a response on this issue, Loan Depot also failed to pay the property taxes on this account from the associated escrow account for this loan. As a result, I had to pay the taxes directly to avoid being charged interest and penalties.

Company response to consumer: Closed with explanation