vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was contacted via XXXX by a person calling themselves XXXX XXXX. The person offered me a writing job. After we both signed the contract, I received a check for {$9300.00} ( from XXXX XXXX  XXXX  ), which I deposited into my business checking account ( Bank of America ). We corresponded via email several times ( email address : XXXX ). Then he told me the job was canceled and I could keep 10 % of the original amount we agreed to ( {$3100.00} ) for my trouble. He then asked me to transfer the rest of the money back as a refund and sent me transfer information. I transferred {$9000.00} to another Bank of America account under the name of XXXX XXXX XXXX. I later noticed that the check was returned. 

I contacted Bank of America on XX/XX/XXXX and they are doing an investigation. On XX/XX/XXXX, I filed a police report with my local precinct ( XXXX XXXX, NC ), filed a report with the Internet Crime Division of the FBI, and the FTC.

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 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: VA

Complaint narrative:
Reference : # XXXX Hi XXXX, Thank you for reaching out to us in regards to the XXXX order you placed using Klarna. We are sorry to hear that you have an issue with receiving your items from XXXX. After reviewing your order in our system XXXX issued a refund totaling {$100.00} on XX/XX/2021 which we in return issued to your card on XX/XX/2021. If this is the cost of the goods you were missing and you do not see the refund on your bank statement please give us a call at your earliest convenience so we can help further. If this is not equal to items you are missing please give us a call to start the dispute process so we can assist you further. Klarna customer service can be reached at ( XXXX ) XXXX. We believe this fully addresses any concerns, but should you have any additional questions you are welcome to contact us by phone at ( XXXX ) XXXX from XXXX XXXX, Monday - Friday, or via 24/7 chat at www.klarna.com/us. 


Re : [ # XXXX ] Supervisor Follow-up From : Klarna ( XXXX ) To : XXXX Date : Thursday, XX/XX/2021, XXXX XXXX EDT XXXX XXXX, I understand that you have contacted them to provide more information for your dispute and I am able to confirm that our Disputes team has reached out to the merchant for further resolution. I hope this helps! 

For any other questions or concerns, please don't hesitate to reach out to our Customer Service representatives by chatting with us at www.klarna.com. Our representatives are available to help, 24/7. 



Have a great day! 

I have not received any response on this exhuasting issue of items I clearly returned and I want to get my credit Please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made an online purchase of {$1300.00} on XXXX XXXX website on XXXX XXXX. I was charged the XXXX  transaction fee despite the amount charged in US dollars. Bank of America customer service refused to register a complaint and wanted me to talk to merchant about merchant transaction code about the fee. I would like to get clear information from the bank when I would be charged foreign transaction fees even the purchase amount is in dollars. I would also like to get the fee refunded for the US dollar transaction.

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 2021-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
On XX/XX/XXXX I called FedLoan servicing and requested a copy of the XXXX  repayment plan letter detailing my monthly payment amount ; the letter was originally sent to me on XX/XX/XXXX. I was told by agent # XXXX that I would receive the copy by 3 business days or by XX/XX/XXXX. On XX/XX/XXXX I did not receive a copy so I called again. This time agent XXXX who did not identify herself with a number told me it takes 5 business days and I would receive it by XX/XX/XXXX. On XX/XX/XXXX I did not receive my copy, so I called again and spoke to agent XXXX who NOW told me the request takes 7-10 business days. I have received different information every time I call. I want a copy of the XXXX  approval letter sent on XX/XX/XXXX sent to me immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: OH

Complaint narrative:
In the month of XXXX, I paid my monthly dues for my credit card with Self. They took out additional three Payments of {$36.00} dollars. I asked for it to be refunded or be accredited to my account. They refused to do so. They also took my credit score down 14 points actually my score should be XXXX by now I have paid on time. I sent proof from my bank statement the still refused to correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: CO

Complaint narrative:
This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statewide Credit Services Corp.
State: NY

Complaint narrative:
This is a debt from a business I was involved in and I did not agree to take on this debt personally. I never provided my SSN. they obtained it illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: CarMax, Inc.
State: CT

Complaint narrative:
Carmax provided an online preapproval tool and continuously ran hard inquiries across multiple lenders over several weeks as I was searching for a vehicle. The claimed it would be one hard inquiry for the entire time but that is false as I now see many inquiries. Many of the inquiries are form the same lender multiple times and is impacting my credit score and my ability to qualify based on credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I opened a Best Buy Citi Visa card when I purchased a laptop to facilitate my daughter 's distance learning school curriculum in XX/XX/XXXX, in order to get 18 months ' same-as-cash financing. We planned to pay off the purchase ahead of schedule, so my husband and I began paying {$100.00} toward the balance of the card at the start of each month. The original balance on the card from the laptop purchase was {$1000.00}. Each payment was made well ahead of the billing due date on the XXXX of the month. 
The trouble started in XX/XX/XXXX, when our payment was counted as a second payment for XXXX, instead of as a payment for XXXX. Since their system did not recognize any payment having been made for XXXX, I was assessed a late fee of {$29.00}. Assuming it was an error, I called the company to complain ; they waived the late fee. Still not understanding that paying too early in the month was causing payments to be counted towards the previous month, I was assessed another {$29.00} late fee in XX/XX/XXXX because my XXXX payment was recognized as a second XXXX payment. Now recognizing the problem, I paid a second time in XXXX to make sure a payment was received late enough in that month to not be counted as a XXXX payment. This time, however, the company did not waive the late fee. 
Because of the late fee, when I paid off the exact amount of the purchase in XX/XX/XXXX, a {$29.00} balance remained on the account. Calls to the company requesting to waive the late fee were fruitless. I was kept on hold for unreasonable amounts of time, and no one ever explained to me why I should owe a late fee for payments made ahead of the due date each month. Citi steadfastly refused to waive the disputed balance. Meanwhile, I was being assessed additional late fees and interest on the disputed balance on my card. My credit score was damaged. Collectors began to harass me by mail and telephone. Finally, in XX/XX/XXXX, a representative from Citi explained to me that their terms and conditions held that payments made too early would not count toward that month, and, as such, would result in a late fee. I have been unable, as of yet, to find such language in the terms and conditions.

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 2021-09-29 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: OneMain Finance Corporation
State: IL

Complaint narrative:
i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do XXXX knows what. They failed to assist and I am now filing a complaint. 

Synchrony Bank 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 2021-09-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a complaint against XXXX XXXX. I already disputed an account from them before, under the same name XXXX with account number XXXX and it was deleted from my credit reports under Experian. However, an account wilth the same name XXXX re-appeared in my reports but the account number showing only as XXXX but still closely resembles the first one that was deleted and surely just the same account. I want this to be removed as it is very illegal to add on removed fraudulent accounts. Moreover, I have requested verification of this account. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance or obtain new lines of credit. I've been requesting for validation but had no responses. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified & they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. I feel I'm being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal 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 2021-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I made a wire transfer from my XXXX TD bank account to family 's TD bank in XXXX on XX/XX/XXXX. My bank has sent the funds out. I was contacted on XX/XX/XXXX to provide more information, place of birth, place of citizenship and place or current residency which was sent to intermediate bank. But they have not transfered to funds or communicated in any way until now XX/XX/XXXX. They do not reply back to emails my bank is sending them. I need my immediately this is causing alot of damages, financially and otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
XXXXdollars were deposited on my account via ATM. I do have a receipt for the deposit. Bank didn't deposit my account. I reached out to the customer representative multiple times but no solution. I have received a letter on XXXX stating my claim has been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Equifax every week for the past 2-3 months. I have noticed some unauthorized, unverified inquires on my credit report in XXXX, submitted a FTC report to the bureaus, 4 times for Equifax, and they are refusing to delete the unauthorized inquires. They have failed to verify the inquires and since I have submitted the FTC report numerous of times, they are refusing to adhere to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. It is over 30 days and I have not received any results.

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 2021-09-29 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: Southwest Credit Systems, L.P.
State: ME

Complaint narrative:
Southwest Credit Systems of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX has fraudulently reported to all three credit bureaus an outstanding balance of {$92.00} with " XXXX '' on account it is showing as " opened '' on XX/XX/2021. 

Initiating communication with this company as well as XXXX has been impossible. This company deliberately puts you on hold and leaves you there without answering any questions. 

I can not even begin to resolve this fraud because it simply state it is with " XXXX, '' a worldwide company. If you try to obtain discovery information from XXXX, they say they no longer have the account and refer you to Southwest Credit Systems. 

It is a willful and deliberate game of chase your tail and is an outrage. I am planning to seek litigation against Southwest and have also preparing to testify before U.S. Congress on a federal bill aimed at such unscrupulous companies. I am also a national news reporter and plan to begin covering the mess these collection agencies have made of people 's credit standing.

Company response to consumer: Closed with explanation