vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received my paper paycheck from my job on XX/XX/23. I went to several check cashing stores and even smaller customer service money centers in my neighborhood and they all said they could not cash my check. I NEED MY MONEY! I HAVE NOT BERN ABLE TO PAY BILLS, PAY FOR IMOORTANT MEDICATIONS ( I HAVE XXXX AND XXXX. I HAVE NOW WORKED FIR XXXX WHOLWE MONTH FIR FREE! ) I don't have a XXXX to my name and am defaultingbon major bills. My job banks with Bank of America and I have XXXX checking accounts with Bank of America. On XX/XX/23 my entire paycheck was taken from my account due to Bank of America allowing my accounts to be freezed over an old car debt from nearly XXXX years ago. I didn't know about the freeze until XX/XX/23 the day AFTER it happened. I was never served by XXXX XXXX XXXX XXXX and knew nothing about this legal freeze. I live in Texas. It is against the law for them to with hold wages, but they can freeze money in account. I was not depositing my paper paycheck on XX/XX/23. I was to cash it, at outside checkcashing stores. I literally have no money and been without my XXXXXXXX XXXX  and XXXX XXXX  for XXXX month. I passed out at work yesterday, was sent home, and couldn't go to my doctor because Bank of America has denied me access to cash my paper paycheck. This is not right. I am going to be homeless, lose my car because I can't pay notes, default on bills, have no money for food, no money for gas.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been trying to fix my credit with this company for a few months now. This bureau has the most errors of the top three and my score is over a XXXX points lower than the other XXXX to buy a home. XXXX XXXX, TransUnion XXXX and XXXX XXXX. 

These errors and incorrect information posted on my account is hurting my life and making it difficult to even buy a home for my family. I have submitted several disputes and most to no avail. 

I need help in removing this information. I think some was because my data was breached at XXXX and scammers got my personal information. Please help me get this incorrect information off my report so I can buy a home.

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 2023-11-03 00:00:00
Product: Credit reporting 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: NJ

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.

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.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
my name is XXXX XXXX, my passport number is XXXX, my phones dad number is XXXX, Im from XXXX XXXX open an account in bank of america in XXXX when i was in the XXXX, the account number is XXXX, in XX/XX/XXXX, the bank of america decided to close my account ( they must have their reasons ), the problem is that they sent a check to my adress but I have never receive it, cause I returned to my country at that time so I traveled to the US again a couple of times for vacations but I tried to request my money to bank of america, and they told me that the check is not available cause somebody, not me, had already cashed the check, I went to my branch-where I open my account, an executive called XXXX filled a request in their system and gave me this number of that request XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

in this moment, for me, the bank of america has robbed me about XXXX XXXX it was almost the ammount that i had in my account balance qhen they closed my account. 
I hope that consumer finance could help me in this case, the bank of amerika robbed me cause I am a XXXX 

thanks in advance, i am not a XXXX  XXXX speaker, if you want to contact me, I would prefer 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 monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Chime Financial Inc
State: FL

Complaint narrative:
My card, ID & phone was stolen from XXXX XXXX XXXX XXXX while in residence. All my information was in my phone. I contacted CHIME @ XXXX explained that I only have my last 4 digits of the card ( XXXX ), my email. I need a replacement card sent to me at my new nursing facility, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX. I have an open case ticket # XXXX with Chime. They will not replace card dispite the many document sent to them. Bottom line is Im confined to a bed with XXXX XXXX XXXX, XXXX XXXX and recently had a XXXX XXXX. I need the replacement card to pay my XXXX home since my SS XXXX is deposited there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in 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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently received a full credit report from the mortgage company as i told you in my last message. When i found evidence of identity theft, I discovered accounts that the credit bureaus is clearly in noncompliance with recognized METRO2 Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. I have sent in messages, letters and even called and i feel like it keep getting pushed off. I'm going to miss my chance on getting this home for my family when all three cried bureaus know they don't have any information from me signing anything showing these accounts belong to me because they don't, One account is from some place in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My name is XXXX XXXX, and this is my rebuttal I sent to Priceline/Barclay for a XXXX XXXX I never received. XX/XX/2023, My XXXX ( XXXX XXXX ) and I arrived at XXXX XXXX XXXX around XXXX XXXX. I received a email to pick up my XXXX XXXX  from XXXX, which I paid in full to Priceline/Barkley for XXXX XXXX XXXX XXXX Once I got to XXXX agent, they advised me that I had no reservations. I fought with them back-and-forth because I had a email but to no avail. They instructed me to call Priceline my credit card company, after over an hour on the phone with Priceline, They advise me they sent a email to XXXX. And that my rental arrangements had been changed to XXXX XXXX XXXX. I advise Priceline that that is not my correct email address. My correct email address is XXXX. I headed to XXXX XXXX XXXX XXXX at the airport to see if I could retrieve my XXXX XXXX Upon arriving at XXXX XXXX XXXX no agent was there which led me to believe they were out of cars. After spending XXXX hours at the airport, my husband decided to go back to XXXX XXXX XXXX and purchase a car on his credit card so we could begin our vacation. I called Priceline back and told them what happened about me not being able to retrieve a car that I paid for in full, I immediately requested a refund because they sent the email to the wrong address. After fighting with Priceline for XXXX weeks on the phone every day they finally sent me a check for XXXX  XXXX days later they bill me in the amount of XXXX  to my credit card bill. First of all they already have the XXXX that they never sent back, then how can you bill me for a product I never received. I paid my bill because my credit is excellent. Priceline/Barclays sent that email to the wrong address now I have been fighting for XXXX  days trying to retrieve my money back. XXXX XXXX XXXX has no record of myself signing or retrieving a car the day in question. I advise Priceline/Barclay that Ive never received the car. I sent a receipt from XXXX that same day, proving that I had to rent a car from another company. Price line/Barkley told me it was nothing they could do to help me to get my money back. Why do I have to pay for a XXXX XXXX I never received for XXXX This is fraudulent activity. I would like for this credit card company to return my money for a product I never received. Thank you

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Collector, Transworld systems received my account on XX/XX/XXXX from XXXX. My XXXX  account was first opened in XXXX of XXXX. My last payment was sometime in XXXX. I never received a bill until about XXXX of XXXX. The amount owed is apparently {$2800.00}. The report says the account opened on XX/XX/XXXX, which is incorrect as I already stated the account opened in XXXX. In remarks it says dispute resolved, but it is still affecting my credit. The account itself is XXXX plus years old now, and the account has been delinquent for XXXX plus years now. 
Transworld systems did send me a letter showing the balance and specific transactions and including information on how to pay. I wrote a note that I would not be paying it as it has been over 10 years since the account was opened. I tried to dispute this through XXXX 3 times and each time they were unable to make changes. I have been locked out of both the XXXXXXXX XXXX and the Transworld Systems portal, and therefor I no longer have access to any of my account info or documents. I have been locked out ever since my dispute. I hope you can get the 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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
I made a payment to my account on XX/XX/XXXX in the amount of {$6000.00}. Part of the payment was applied to one of the sub loans as a credit/overpayment in the amount of {$2700.00}. 
I need this credit to be applied to the other sub loans on this account. I've called many times starting XX/XX/XXXX and was told it would be taken care of but it's now been over 2 1/2 months since I made the payment. I also wrote a detailed email through the portal but received no response there either. 
The first person ( XXXX ) that I spoke to on XX/XX/XXXX stated it would be fixed in 20-25 days. After waiting that period the next person said XXXX filled out the wrong form and they would take care of it on XX/XX/XXXX. Each time I'm told the conversation would be recorded so they have the recordings to listen to and confirm. Today ( XX/XX/23 ) my Dad spoke with XXXX (? ) she started by saying she could issue an emergency refund but it is processed through the Department of Education so she she couldn't say how long it would take. He requested it be applied to the other sub loan and she said that balance was only XXXX. Roughly the difference between the overpayment sub-loan and the subloan with a balance. She told him several times that she couldn't provide him with any proof of this and also could not put him through to a supervisor. Again there is a complete recording of this on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
This is week 2 and I am still asking XXXX ( the Special Handling person XXXX XXXX has still to contact me ) concerning getting the information accurate on the XXXX Report. 
I am attaching the correct info with balances from the companies. 

I am closing on a loan to pay off and lower intersest on these synchrony high interest rate cards/loans. 
please use this info to update. 

my credit scores dropped XXXX points in one day from XXXX to XXXX still good but why? 
i have not opened credit and i have paid down the cards etc. 
Let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The Receivable Management Services LLC
State: PA

Complaint narrative:
Company has unlawfully reported unauthorized information to the credit bureaus, which is illegal and inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
attached is a full explanation of the events leading to Key bank closing my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have a Care Credit account that I used to get some dental work done last summer, and I have been paying the minimum amount due every month on auto-pay. I did not look at the app to see my bill because I just assumed that my minimum payments were going toward my balance ( the minimum payment amount I am paying was the figure Care credit gave me not a figure I made up ), so I didn't check it. I went to see what the balance was and it is almost XXXX more them the amount I used for the dental work, because they are tacking on fees every month. One fee is for card security which I never set up, and the other is an interest charge on purchases, but I have not made purchases, they are charging me an interest charge on previous interest charges. 

I got care credit almost 15 years ago when I had dental work done. My dentist 's receptionist is the person who filled out the application, so I never saw the application nor was any of their caveats explained to me at the time other than the fact that it was going to absorb the cost of the service. I could pay it off over time, so the initial application was never actually seen by me, and the way it was explained to me is that that was a totally normal way of applying for this service. 

Jump to last summer I needed to up my limit for the dental work which was done via the app and again there wasn't any thing that fully explained how they were going to be using the fees or that they would be charging me fees that would exceed the monthly amount that they set up as the minimum payment. My minimum payment is {$100.00} and the fees are XXXX for interest on purchases ( again there have not been any purchases just them charging interest on their own interest charges ) and a security fee that I never requested or signed up for that is apparently XXXX for every XXXX I owe so it is up to XXXX now. Just those 2 fees alone exceed the minimum due amount, which again they set. 

I feel this is deeply predatory, and evidently so do MANY other people as a quick google search will show the MANY court cases and grievances other people have with Care Credit,

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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I enrolled in Auto-Pay with Mohela before the federal pause on student loan repayments was lifted, but the auto-pay didn't work. Myself and thousands of others are now " delinquent '' on our first payment because Mohela failed to notify borrowers that the auto-pay wouldn't work until 2-3 billing cycles. Unsure if this will have an impact on credit reporting because its takes 5+ hours to speak to a representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On spring break I travel to the florida on XX/XX/XXXX XXXX XX/XX/XXXX of 2023 my card was lost. And saw this transactions charge in my card of XXXX dollars and more transactions that I did not did it, my internet connection was terrible over there, and I called on XX/XX/XXXX to report to the td bank credit card and they say ok they will continue a investigations and it pass so many months just to tell me, there is no enough evidence to help me. I am so concern about this transaction and would like more help please

Company response to consumer: Closed with explanation