vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by 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 non-monetary relief
Consumer complaint received 2022-09-01 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: IN

Complaint narrative:
I have been dealing With a divorce and Exwife had a XXXX XXXX XXXX XXXX She closed this box XX/XX/18 Due to sending credit cards to this box to this address. This was not nor has it been my address. 
I have disputed this address with experian for 2 yrs they will not remove it due to accounts attached to it which are credit card accounts from my exwife. 
I had validated this was not my address on more than one occasion Experian needs to know and understand under the FDRA and The FDCRA this is a violation unless it's verified in which they have failed todo. 
This was solely in my wife 's name not mine, Please investigate and remove at once at a physical address as which a po box is not a physical address even though it's not my address.

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Goal Structured Solutions, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, I attempted to use a balance transfer check in order to pay Launch Servicing , LLC, but the check never reached their hands according to a representative. I contacted them by phone on three separate dates. To be specific, on the XXXX of XXXX, XXXX of XXXX, and the XXXX of XXXX. However, they all resulted in disappointment. On the XXXX, XXXX day, and the XXXX of XXXX, I tried leaving messages regarding the status of the balance transfer check and received the same reply, the check had not been received. Yet the check was posted on the XXXX of that same month! 

The check number is XXXX, posted on my credit card ending in XXXX on XX/XX/XXXX, of this year, for the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: LendingUSA
State: SC

Complaint narrative:
This a fraudulent account that was opened in my name using my information. This account appears to have been opened in XXXX of 2022. I have contacted this company and informed them of this matter on XX/XX/2022. The total amount of this loan is {$5200.00} and it was fradulently obtained. Please remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I bought a vanillagift Visa Prepaid Debit Card from XXXX, XXXX XXXX on XXXX XXXX for {$100.00}. This was a gift for one of my friend. On XXXX XXXX, my friend told me that the card can't be used, as he couldn't locate any CVV number. He sent me pics of the card and he was right, the card didn't have any CVV number. 

I was able to locate th

e Card Authorization receipt that store gave me. I tried calling their number on c
ard, XXXX ( XXXX ) XXXX it was all automated voice and none of the options matched with my question - " how to use the card without CVV? '' I searched internet got another toll free number for vanillagift Visa Debit Card- it had different voice prompt, I waited for 10 mins to speak to a representative and then gave up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: NE

Complaint narrative:
On Monday, XX/XX/XXXX I reached out to EdFinancial in order to receive a refund for {$10000.00} worth of student loan payments I had made during the pause due to the coronavirus pandemic. My intent was to use this money to maximize the refund I could receive under the recently announced one-time student loan forgiveness. I was informed over the phone that it would take EdFinancial approximately 170 business days to process this request and that I would receive no notifications about the progress of my refund. Not only would this be a financial burden because this timeframe would put the timing of my refund outside of the freeze on student loan payments, but it would also be a major inconvenience as I would have to repeatedly call customer service to track the progress of my request. From what I have heard and read elsewhere, other loan servicers are able to complete this process in 4-8 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
First, I am a XXXX Veteran. While in the care of the XXXX XXXXXXXX XXXX in XXXX TN for XXXX XXXX, they required me to perform XXXX  on XXXX XXXX XXXX at XXXX XXXX in XXXX TN. The imaging was approved by the XXXX  XXXX XXXX XXXX for payment thru the XXXX. The XXXX XXXX would not have performed the test without prior authorization from the XXXX as I had several other tests performed there and was refused treatment because they did not have prior authorization. I would also add that this XXXX approved test was during the heightened time of the COVID pandemic, when businesses were struggling with employee staffing. Also during this time the XXXX was transitioning from XXXX to the XXXX XXXX XXXX to process their billing. When I received a medical bill from XXXX XXXX for {$390.00}, I contacted the the XXXX XXXXXXXX XXXX in XXXX to take care of the bill. The XXXX XXXXXXXX XXXX XXXX representative said they would contact XXXX XXXX to get it paid. 5 or 6months went by until I received a notice that the bill would be sent to collection. I immediately contacted the XXXX again and was placed on a conference call between the XXXX  representative and the Professional Credit Management agent. Again, the XXXX representative approved the bill for payment. However, It was not paid again because the XXXX  claimed that XXXX XXXX failed to submit the bill to the correct XXXX billing agency, then XXXX, and because the bill was now over six months old and that this is the XXXX  's internal policy. In addition, the XXXX  representative told me that XXXX XXXX would " write off '' the bill due to their error. This medical bill is the direct result of negligence on the part of XXXX XXXX, XXXX, XXXX, and the XXXX  for failure to work together, communicate, process, and close out a medical bill the XXXX originally approved to pay, and by no means failure on my part by my many attempts to get each agency involved to work together and handle this medical bill professionally. In this case, the consumer has been wrongfully held responsible and other agencies have neglected to function together on the behalf of the customer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2022, I was the victim of fraud. I transferred {$20000.00} from my XXXX XXXX account to an account at Navy Federal Credit Union. 

I recalled the transfer the next day, but Navy Federal refused to reverse it. I filed a complaint with CFPB about this. 

In XXXX, they informed XXXX XXXX that the funds could be returned. I signed a letter of indemnity with XXXX XXXX to receive the funds. 

Yesterday, Navy Federal finally completed the transfer recall. But they only returned {$3500.00}, or about 17 % of the total that was taken from me. The rest is a " fee '' according to the communication from XXXX XXXX. A {$17000.00} fee held by Navy Federal. 

I contacted XXXX XXXX, and they said they've done all they can and had no further explanation from Navy Federal. When I contacted Navy Federal, they said I'm not a customer of theirs, and they could not share information about their other customers ( the person who defrauded me ). 

I want to get the rest of my money back. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax XXXX XXXX  Refused to validate this account there for remove it at once They stated I file a fraud report with the police that would be fraud on my part SO I will not. In there documents sent to me is a summery of a bill no signature no contract because they do not have one

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime bank charged me {$650.00} for transferring money from checking to credit builder account. They say that they don't charge hidden fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
A fraudulent account was opened in my name, and I haven't been able to get Bank of America 's fraud department to take my calls, or respond to messages over XXXX. I was notified the account was opened over email towards the end of XXXX, and received a new notification today, XX/XX/22. I called Bank of America 's fraud department, and the first person was unable to help me. They transferred me to the checking fraud department, who hasn't answered the phone. I reached out to Bank of America through their XXXX customer service chat, but no one answered the chat either.

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