vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: AMA Advisors, LLC.
State: NY

Complaint narrative:
I have always used automatic payment to pay my monthly mortgage with Homebridge Financial. On XX/XX/2021, Homebridge returned the mortgage payment to the bank. I did not find out until a month later when i was notified by the credit bureaus that i had a 30 day late notice on my credit report. The funds were in my bank account and this was an error on behalf of Homebridge. I have a letter from my bank ( XXXX XXXXXXXX XXXX  ) which states that the funds were in my account at the time Homebridge tried to take the payment and it should have never been returned. I tried reaching out to Homebridge many times for almost a year now and no response from them at all. My loan officer has also tried to rectify this with corporate to no avail. I disputed with all three credit bureaus and they notified me that they submitted the dispute to the " furnisher '' which is Hombridge but they have not received a response as well. I am asking that Homebridge please have this information removed immediately from my credit report as this was their error. I tried to apply for a home equity line of credit but was denied because of this negative account on my credit. Please help me get this cleared with Homebridge Financial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Hello, I initiated a payment to this card company, using their app and my bank information. A day or so later I called in to cancel this payment because I had used the wrong bank information. I was notified that my bank union would be mailing a check directly to them on my behalf which is why I canceled that payment. My balance at the time before I had initiated any payments was XXXX. Goldman Sachs says ( on multiple calls ) that have indeed received the check, and it has posted. The problem is my balance is now XXXX. Goldman Sachs is saying that when they reversed my payment that I had initiated, it doubled my balance. Clearly this is a mistake, my balance should only be {$22.00}. Please help, Ive done multiple disputes and all come back with the same answer, that my balance is doubled and that that is right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion THIS IS A FACTUAL DISPUTE you have collections showing that are only shown by you XXXX AND XXXX SHOW NO COLLECTIONS please update your reportingand remove all collections because you are reporting wrong information documents enclose as proof

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 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Hello, I bank with Citizens bank for a few years now. 

I recently overdrew my account on XX/XX/XXXX and Citizens overdraft policy states that if the deposit is made on the account on the second day after the account is overdrawn then the fee will not be assessed to the account. I made the deposit and Citizens bank still billed me the fee. 



I spoke with a customer service agent today who told me something different. The agent told me and I quote : " In order to avoid any overdraft fees, the account must be brought back and stay in a positive balance by the end of the same business the account became overdrawn. '' It appears Citizens has one policy posted on their website and is enforcing another rule via the agents. I asked the agent twice and this is what the agent shared with me. However Citizens send me an email informing me of something else. The email is attached below. The email states that once the account is overdrawn then you have until the next day to make the deposit. This is the most recent email they sent me, but for some reason they did not follow this rule on XX/XX/XXXX The current balance in your account ending in XXXX did not cover one or more transactions on XX/XX/XXXX, which has overdrawn your account by {$140.00}. Mistakes happen we know; were people too! And were ready to help. 

With Citizens Peace of Mind, if you overdraw your account, you get extra time to cover it. Then, well rebate any associated overdraft fees as if they never happened. 



How much time do I have? 
You have until XXXX XXXX  on XX/XX/XXXX to make an eligible deposit or transfer. 



How much money do I need? 
You need to deposit or transfer enough funds to cover the overdraft, plus any new transactions such as automatic payments or debits due before the deadline. 

Can you please assist me to have the fees that was charged in a deceptive manner rebated. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
XX/XX/2022 I bought a {$400.00} XXXX  gift card from XXXX and I tried to purchase something online and my card got locked, when I called the gift card service to get it fixed they said it was suspicious website was probably a scam that I purchased from so they locked my card and I requested a card and didn't receive it so I called them and requested another card and I still didn't receive and for my first card request they sent it to the wrong address the second request they made me wait 20 days just to request for a second card so I decided to request for a check of my money back and it's been almost two months it's XX/XX/XXXX, and I still haven't gotten my refund and I called them today and they said I have to wait another 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased XXXX  XXXX  through Best Buy .com and paid with a Best Buy credit card. I only received XXXX XXXX. I have called XXXX and they confirmed someone else has been using and activated the lost XXXX with a different XXXX ID. Per XXXX they advised this item over XXXX should have had a signature required request for delivery. If someone stole this XXXX prior to reaching my hands by law I am or not legally bonded to pay for this item. I demand that Best Buy send me the item I paid for or reimburse my credit card for fees plus interested.

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 2022-09-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am seeing XXXX XXXX XXXX/CHARGEOFF section in my credit report. 
I have no clue about this and not physically present in USA at the time of account open as per their information.

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 2022-09-15 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Billed XX/XX/2022 XXXX XXXX XXXX FL {$180.00} Reported as fraud XX/XX/2022 closed account, issued new acct number and cards Received Update XX/XX/2022 that I am responsible and that the fraud investigation was closed. Re : " You received benefit from this transaction ''. Since, I have called multiple times, spending a total of XXXX  hours on the phone, with several agents and supervisors requesting information about this charge. We don't recognize XXXX XXXX  and ask who this is and what are the charges for? No one knows. They " Google '' it. They/we have called EIGHT different phone numbers attempting to assist, all to no avail. I'm getting nowhere, and are insisting that the charges are due because " the charges were made with a chip card that was used in a reader and the card was physically there and other legit charges were made after that one and the fraud wasn't reported until I received my statement. '' We are perplexed that chase doesn't know who this merchant is or have contact information for it, as obviously someone is being PAID!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: OR

Complaint narrative:
Organisation name Ria money transfer XX/XX/2022 started a transaction foreign country waited for transaction to take place for four days there were no transaction made therefore ask for refund according to the website it could take 2 to 10 days the promise of two days its fraudulent in almost always take up to 11 days one mistake attempted to correct with the customer service they were polite but not helpful customer service refused to escalate the situation to upper management on two occasions transfer is for medical expenses creating a hardship for both recipient and the sender there were no ways of resolution of a simple mistake through this service. further customer would not know what transaction this service will keep holding to release five days. some transactions the service will release within hours, others they will choose to hold for longer periods not having a system that is informing a customer which one they choose to hold is a problematic on customer end that is what happened with me I was used to the releasing within hours of transfer and this time they refuse to do so this create major problems for consumers and win this occur they are not working with the consumer to help many customer service calls repeated same information refuse to escalate to get help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NV

Complaint narrative:
in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

I also sent validation letter to validate the allege debt if its 100 percent accurate and valid to collect, but no response at all. Please Delete these Accounts.

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 2022-09-15 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: Nelnet, Inc.
State: NY

Complaint narrative:
This is an issue that I have attempted to get resolved since the early XXXX 's ( XXXX up until today ) The company " Nel Net '' which services many student loans. Consistently reports my student loans as 90 day late. The two issue with that reporting ...... 
# 1 My loans were moved to new net ( supportive doc will be provided ) the previous company did not pick up that the loan had been moved therefore co n't to bill the old account thus counting it as late. 
# 2 This 90 day late date continue to be moved forward to make them appear as resent. 
( documentation to support will be attached # 3 Because Nel Net report the student loan as several units instead of as one loan ( each quarter as money is disburse ) there will be 6-7 negative repots which will show as 25 % of my report # 4 Nel Net has removed the late from record showing paid without late, yet the next 6month that false reporting will return back to my credit report What I have done to bring resolution from XXXX # 1 I have report this to all the credit reporting agencies ( XXXX, XXXX, XXXX XXXX ) ... sending the supportive document, of which I will be sending which I will be attaching to this report as well. Please pay attention the things circles to follow the time line of the manipulation of my credit report What I want Permanent correction of my credit report. 
All Student loan reporting done by ANY servicing company be reported as one loan Possible class action suit How have I been harmed There have been years where I have been turned down for credit and or paid a higher interest rate over decades that I should not have had to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I got 4 emails from Bank of America back to back claiming to have a new savings account opened in my name. And I tried calling them but I don't have a current account so I can't get through to them because it keeps asking me for my bank info. I'm still trying to find out how to contact them to fix this worried someone opened something in my name. This happened on XX/XX/XXXX at around XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Kikoff Inc.
State: IN

Complaint narrative:
Last year, in 2021, I contacted KiK off lending to close my KIK OFF credit account which has a {$500.00} limit. I received confirmation from KIK OFF that my KIK OFF account was closed. However, the account is still showing open on my XXXX report. I filed a dispute with XXXX to let them know that my account was closed. However, my account is still showing opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was discriminated by PenFed for a line of credit. I exercised my rights in good faith and did not receive an adverse action letter. Credit is my right and a credit score is not a requirement for credit to be extended. I have exercised my rights further and have gotten inaccurate information off of my credit report and still the credit reporting agencies are causing me great harm. Penfed and I entered into a consumer credit transaction and I received no benefit from this transaction. The inquiry is proof of this. I received no documentary evidence of who benefited from this transaction and I would like to know who did because it wasn't me, the consumer.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 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: Trident Asset Management, L.L.C.
State: NC

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, 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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: MI

Complaint narrative:
I sent copyright infringement notice and it was received on XXXX. I gave the company 10 business days to comply with my notice. I received notice that I put in a dispute but I put in a demand to comply with notice. The credit reporting agency doesnt have my written consent nor have a permissible purpose according to : 15 USC 1681 Section 602, 15 USC 1681 Section a section 2 and 15 USC 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Last year, in XXXX, I contacted XXXX XXXX XXXX to close my XXXX XXXX XXXX account which has a {$500.00} limit. I received confirmation from XXXX XXXX  that my XXXXXXXX XXXX account was closed. However, the account is still showing open on my Equifax report. I filed a dispute with Equifax to let them know that my account was closed. However, my account is still showing opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NJ

Complaint narrative:
On or about XX/XX/XXXX, I mailed a check for {$35.00} payable to the XXXX XXXX XXXX XXXX ( along with my holiday cards ) in the mailbox outside the post office on XXXX XXXX in XXXX XXXX, NJ. This mailbox was emptied by thieves at some point in the next XXXX XXXX. I filed a complaint with the US Postal Inspection Services at the time ( CCC Case No : XXXX ). 

My check was then altered to be made out to a different party ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) for a much larger amount ( {$9500.00} ) and deposited into a Bank of America account. Funds were taken from my XXXX account on XX/XX/XXXX. I notified XXXX as soon as I noticed the issue and completed all necessary forms and provided a picture of my check register showing the original check recipient and amount. 

As of today, XX/XX/XXXX, I have still not received the funds back from Bank of America. 

I have reached out to XXXX many times in the 9 months since this fraudulent activity has taken place and they continue to tell me they are waiting on a response from Bank of America. 

Please help me get my hard earned money back. I am happy to provide whatever you need to help you plead my case. As you mention not sharing any confidential information on this forum, please contact me directly at XXXX if you want me to provide the supporting documentation that I have. 

Thanks in advance, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation