vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I purchased from a website called XXXX on XX/XX/XXXX with the amount of {$1700.00}. I purchased XXXX items from them. I, however, returned all the items because they were tampered with and the boxes weren't in perfect shape. XXXX notified me that they received the returned items and that they would refund me the full amount. However, I never got the refund and XXXX suggested I contact my bank. So, I tried to file a claim with Bank of America about it on XX/XX/XXXX. They denied my claim on XX/XX/XXXX because they confirmed with the merchant that the merchandise was shipped to my address which is true that I received the items. However, the reason why I filed the claim was that I did not receive my refund from XXXX when I returned the items. So, I spoke with Bank of America and they said the first claim was filed under fraud which is why they denied it. So, I filed another claim on XX/XX/XXXX and I mailed them evidence that XXXX received my refunded items and it shows on their website that a refund was being processed. On XX/XX/XXXX, I received another denial of my claim because the claim is past the time period for me to notify Bank of America since it has passed 60 days. The issue is that my first claim was within the 60 days but they took 1 month to reply to it. So when I submitted my second claim, it already passed the 60 days because Bank of America took way too long to reply to my first claim. Now, I am running in circles with Bank of America and no one is giving me a clear answer on what to do.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On a reply from Capital One on XXXX XXXX  I am being informed that Capital One has stated " In your request, you also indicated that you believe we should not be reporting your account to the CRAs. However, according to the terms of your Customer Agreement, we may report information about your accounts to credit bureaus. Late payments, missed payments, or other defaults on your accounts may be reflected in your credit report. '' While according to 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting a Late payment is a violation of 15 USC 1666B Timing of payments ( a ) Time to make payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Capital One has asserted and enforced upon a consumer right directly violating the right to report certain information on my behalf. I have never been given the right to opt out of the reporting on this account this is my final attempt of removal before a small claims will be filed for violations of consumer rights and rights under the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Gramm-Leech Bliley Act. The account is reporting as closed but not removed from still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: AR

Complaint narrative:
ED Financial services my Federal student loans. I have XXXX student loans that have always been paid with XXXX payment per month ( XXXX payment covers the due balance of them all ). I missed XXXX monthly payment. However, ED Financial reported in my credit score that I missed XXXX separate payments. I don't think this is legal. I have tried to contact them but they don't return my calls ( XXXX hours wait on hold ). My credit score dropped by over XXXX points because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There's great concern regarding inaccurate information that has persistently appeared on my credit profile. I have diligently disputed these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) on more than three  occasions. Despite my efforts and the clear violations of these laws, the concerns have been consistently ignored. This prolonged period of inaccurate information on her client credit report has had a detrimental financial impact on her life. 

It's worth noting that 15 U.S. Code 1681, which outlines Congressional findings and the statement of purpose, emphasizes the importance of accuracy and fairness in credit reporting. The intent of the law is to ensure that credit reporting agencies maintain the accuracy of consumer information. Furthermore, 15 U.S. Code 1681b mandates that credit reporting agencies must employ reasonable procedures to ensure the accuracy of the information they collect and report. 

Pay attention that 15 US CODE 1681i stipulates that credit reporting agencies are obligated to delete inaccurate information from consumers ' credit reports. Furthermore, 15 US CODE 1681 emphasizes the importance of privacy in credit reporting, and 15 USC 1681s-2 explicitly prohibits the furnishing of inaccurate information related to a consumer if there is knowledge or reasonable cause to believe that the information is inaccurate. 

Additionally, 15 US CODE 1681e-b mandates that any collection or account information must be 100 % accurate across all credit reporting agencies. Please take immediate action to rectify these violations, remove the inaccurate information from credit report, and ensure that her rights as a consumer are upheld in accordance with these legal provisions. 

*** Understand 15 usc 1681 section 604 ensures her that you need her written instructions, my client stated that she never gave you her written consent or oral consent 15 U.S. Code 1681a, and last but not least you violated 15 U.S. Code 1681b - Permissible purposes of consumer reports.

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: KY

Complaint narrative:
This is additional information regarding Complaint ID : XXXX. 

In their rebuttal statement, they say the card was issued on XX/XX/2023, later in the same long paragraph, they admit I called on XX/XX/2023, because I had trouble with the application. The card was then issued on XX/XX/2023, which puts the shorted discount of the purchase made on XX/XX/2023, within the 60 days. Plus, there was never a fraud claim made and certainly not on XX/XX/2023, as we were getting the application filled out. I think they locked out the log-in because they were tired of getting emails asking about the 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 2023-09-16 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: CORELOGIC INC
State: GA

Complaint narrative:
These credit reporting companies are reporting information to the public without my permission causing significant dignitary harm as they have not verified anything they report. When I create disputes and request validation of the debts they are reporting, they do not have valid evidence or proof that any debt belongs to me, was created by me, billable to me, correctly billed, or authorized by me in any manner. They are uninterested and unauthorized third parties presenting themselves to be a secure system of empirical data reporting when there is no way for them to provide substantial proof that they are reporting accurate information with permission from all parties involved. In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 Section 602, I have the right to privacy. Under 15 USC 1681 Section 604 ( a ) ( 2 ), no consumer reporting agency can furnish any report for any account without my written instructions. 15 USC1666b also states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have not provided any written instructions for any consumer reporting agency to provide my private data to anyone. My credit worthiness and ability to pay is not limited to scores by any private reporting agency as I have equitable interest in my security agreements/instruments, ( notes, coupons, and guarantees ) having nothing to do with these reports. Any delinquent account is to be construed as a billing error resulting from an inability to endorse these instruments for credit to be properly applied to my accounts. There is no benefit to me for any Consumer reporting agency to give negative information to creditors when my applications are requesting credit as an endorser. The credit score has absolutely nothing to do with that. All of these denials are substantial evidence of me being restrained from trade, deprived of my rights, and discrimination against me for being scored low when I have a right to endorse for payment using income from equitable interest in secured investment property and not limited to compensation from labor.

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 2023-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: U.S. BANCORP
State: FL

Complaint narrative:
Our mortgage is held by US Bank. We accepted a forebarrence plan that would run from XX/XX/XXXX to XX/XX/XXXX. I had asked to extend it until XXXX of XXXX, but they said it ran out. So, we applied for and were accepted for a Deferral Agreement to add the amount of the forebarrence to the end of the loan. We signed everything and submitted all the documents they asked for. As of today, XX/XX/XXXX, on my online account it states that the process is 75 % complete and could take 85 days to complete. In the meantime, our payments would resume at the new amount beginning XX/XX/XXXX. Starting in XXXX in XXXX, we received letters in the mail that we were in default and they would be starting foreclosure proceedings. All the payments the are falsely considered late were included in the forebarrence and now in the Deferment agreement. Nothing has been reported and nothing appears on my online account about any foreclosure, just the mail. I made the XXXX, XXXX payment, but they sent back a check for {$17.00}, stating suspense, but it doesnt show where the remainder of the payment went or where it was applied. I also made the XXXX payment, and am now waiting to see if that either gets applied or returned. 
I have talked to several people at US Bank, but no one seems to have any answers. I also wrote letters to 2 US Bank departments and the Law Office mentioned in one of the letters, but have not received any replies.

I need this resolved ASAP, before they think they can take my home. We did and sent and signed everything they asked and still ended up in this mess.

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 2023-09-16 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: EGL US, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. ABSOLUTE RESOLUTIONS INVESTMENT WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: EGL US, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX A DEBT BUYER, HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C 1681. XXXX XXXX XXXX WAS SOLD MY PERSONAL INFORMATION BY THE THE ORIGINAL CREDITOR BMG LOANS AT WORK LLC.

1

5 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 15 U.S.C 6802 1 ( a ) ( b ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such fin ancial institution clearly and conspicuously discloses to the consumer, in
writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
I am a third year XXXX  resident with XXXX K in debt and make less than federal minimum wage for the hours I work which is XXXX hours a week. I am being penalized despite 8 weeks ago reaching out to my loan servicer to know what to do. Essentially I was under XXXX, my estimated payment was {$220.00} for month. I couldnt afford it so I called the rep what to do. She said to consolidate my loans and re certify with my 2022 W2. Thats what I did. 

Flash forward a month and Im on XXXX refreshing to see if with recert my payment is XXXX. Wait a minute all loans are gone now? Looks like someone made a payment. Called my parents so confused to see if they had XXXX laying around randomly paid. Mom said looks like loans got transferred. I was never notified and would have never known unless I checked XXXX. I call them they said my money is at XXXX. This is after being on hold for 3 hours twice a day. The apologized for misleading me, and giving wrong info but they can no longer help as they money is not with them. I call XXXX who says XXXX is my loan servicer. Then im on hold with XXXX for hours, also saying the money is not with them. The narrative switches after hours on hold that my new provider is Mohela. That they processed a direct consolidation loan and bc I didnt respond in 10 days ( NEVER RECIEVED A NOTICE OR WHAT TO DO!! ) theyre consolidated and unsure what the interest rate or monthly payment will be. So XXXX bc thats not what I wanted to do! XXXX led me astray. 

Now I call mohela, they see that they are my servicer but dont have my info or money. My money is now in transit so where with no one so no one can process my app or give me a quote. Mohela said in this time period nothing to pay. I am so stressed out bc I took the time to try to figure this out 8 weeks before now they have completely XXXX XXXX and my life because of the misinformation. I worked too hard for this to affect my lifeZ I am afraid something will go wrong. I am so stressed and unsure what to do here. How is this ethical or legal? Any advice will be appreciated. Im afraid and unsure if my SAVE application will transfer over. Seems like XXXX cancelled it and just consolidated it with est payment of over 1grand which is what Im afraid will carry over. If anyone has been in this position please reach out at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I called today to close my checking and savings account with PNC bank. The representative, without my permission, unilaterally transferred the XXXX XXXX  remaining in my savings to my checking account. The balance of the checking account is almost {$1500.00}. After making this unauthorized transfer, the PNC computer system would not allow immediate closure of my primary checking account which means I will have to call back another time to do so, AND there will be a considerable delay in me receiving my funds which will in turn cost me the interest that money would earn in another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.

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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I took a look at my credit report a few months ago and seen 3 accounts that i didn't recognize. After doing some investigation, i found out that those accounts where open fraudulently. I cantacted the bureaus and did exactly what they told me. i contacted the police department and filed a police report with the XXXX XXXX police department. I sent this to the bureaus but the accounts didnt come off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have made a purchase of Business class ticket with XXXX XXXX using my American express credit card. 
On the flight before departure I received a call that XXXX XXXX forgot to book the Business meal and as compensation they will provide me XXXX usd on the mode of payment at the counter at check in instead of money they have a letter saying XXXX will be given by XXXX XXXX after the flight I have contacted them several times to that I do not need points and it was agreed that they will credit my original mode of payment as I do not have an account and don't want it. 
After a lot of back and forth I gave up on them and contacted the American express to retrieve my money they initially credited my account based on the information which I provided subsequently I have provided them with all the evidence and written communication between myself and XXXX XXXX. 
After about XXXX weeks time I recieved a letter from American express that they have reapplied the charge on my credit card account based on the info provided by XXXX XXXX. 
I have called them and verified with them that have they checked my evidences provided for which I was told " oh nobody looked at it " and they said we were told by XXXX that they have provided you points and money which is totally untrue I have no account of this payment or points and American express reversed the payment based on false statement from XXXX XXXX. I'm unhappy with American express because they reversed payment without any proof of points and payment. The letter provided from American Express is also unclear. Hence I'm reporting them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX at roughly XXXX XXXX, i was at a gas station attempting to put fuel in my car. I had opened up my robinhood account to verify i had available funds and i noticed a banner at the top stating that my account was restricted and my funds were locked, no more deposits or withdrawals were allowed and that my account has been closed. I had made a significant amount of trades the pevious 3 days and used the card with no issues. This has been my bank for direct deposits, paying bills, buying groceries and anything else. The only responses i get when reaching out to customer support is " we have decided to close your account ''

Company response to consumer: Closed with explanation