vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Thursday XXXX the XXXX I was contacted by XXXX skate company via message informing me that I was selected for a raffle to buy a pair of shoes, they informed me that It was a pickup in store raffle however, I am located in XXXX and the store is located in XXXX. So I proceeded to ask if there was a shipping option and they asked if I had XXXX and I told them yes. I was then told to send to XXXX to XXXX so I did exactly that. They also told me it was an opportunity to get another pair and not knowing it was a scam, I agreed. This amount was also for XXXX, I then went to a popular app ( discord ) to let people thats in the group know my success and I was informed that this company was know for scamming. I proceeded to search this company to make sure it wasnt and I discovered this company was a complete scam and that this isnt their first time. I then contacted my bank ( Bank of American ) letting them know I was scammed. I was then told by BOA that the case was reported and a employee told me I should receive some more information on my claim within a week but it could take up to 90 days for a full resolution. Fast forward two weeks and I still have yet to receive any info so I called them again and they told me my case was still in progress and after like a day or two ( XXXX ) I get a paper in the mails from BOA telling me my claim couldnt be resolved but they will try to get in contact with the other bank. Fast forward to XX/XX/XXXX I received another paper from BOA telling me they were unable to approve my claim so if there anyway I am able to get this money back that would be amazing. 
( THIS STATEMENT WILL BE FORWARDED TO MULTIPLE BANK RESOLUTION INSTITUTIONS )

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on this account because they are reported wrong. You should corroborate your information and remove the negative information on this account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Kidly remove the late payment from this account : 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 2022-11-01 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I haven't been working for a couple of years due to XXXX XXXXXXXX, and since I am recovering. Thinking about returning to work by XXXX ; hopefully, all goes well. I decided to check my credit report in order to know my credit scores before applying to a company based on a human resource expert 's advice. After reviewing my reports, I realized these inquiries that I didn't authorize on my credit reports. I called two of the bureaus, but couldn't get through because it takes longer than I expected. I decided to immediately file a fraud report because it was fraudulent. It wasn't authorized by me and I have no clue why. 
These are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022 I deposited a check total {$800.00} to a Bank of America atm. The check was placed on hold and no funds were made available to me. On receipt stated check would be available in 7 business days. Bank of America didnt cash check in fact mailed it back to me because I called them informing them of an incident which required for them to mail it back to me. Matter was resolved on XXXX XXXX, 2022. Bank of America has randomly posted this transaction about 4 times onto my account deducting funds totaling amount they deducted from my account after matter being resolved {$3200.00}. On XX/XX/2022 I wrote a check no XXXX to XXXX XXXX for {$80.00} for auto insurance. I had enough funds to cover this check but instead check was not paid to merchant and my Bank of America checking ma account was at a negative balance of - {$6400.00}. On my Bank of America app transactions are made available for viewing on website they arent posted. Im missing funds from my account and my account is also at a negative balance because of banking errors.

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.

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 2022-11-01 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Several inaccurate information on my credit reports. I have sent out letters to all 3 credit agencies pointing out the inaccuracies, theyve vaguely sent back an automated template stating items verified without any explanations on how they verified those items or how their investigation was conducted. Even my personal identification items are still incorrect despite sending in my drivers license which has my correct information. Several accounts are not mine which i sent letters and thry never fixed thd issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XX/XX/2022 XXXXXXXX XXXX fraudalent transfer via zelle payment on XXXX XXXX  to XXXX XXXX. initialIy the payment was placed on hold for security reasons but was nevertheless confirmed.called XXXX XXXX to dispute as well as zelle but they did not agree to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of an online scam. A company sent me some checks to deposit in my account so that later I could send them to another party. However, three days after the deposit of the checks, the bank says they were returned because they were altered/fictitious and now they are deducting the amount from my account. As soon as I deposited those checks into my account, I transferred them to the other party, so now that they found out the checks are invalid, they are taking my own money. 
Why did it take them so long to verify the checks? In any case, the bank should have not allowed the transaction before they verified the check, not 3 or 5 days after I made the deposit. 
The first check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$2000.00}. 
The second check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$1500.00}. 
Now I lost a total of {$3500.00} dollars just because my bank, Wells Fargo, doesn't do the appropriate verification before just letting go of any money. 
I already called my bank and they just let me fill out a complain but the representative said probably nothing will happen.

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 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I sold a XXXX XXXX laptop to the person called XXXXXXXX XXXX XXXX on XX/XX/2022, the buyer send me the payment thought XXXX, the amount is {$980.00}. However, the buyer field a dispute claim with his bank under the reason : Unauthorized transaction on XX/XX/2022. This claim field by this buyer was against my Chase checking account, which result in my checking account frozen and closed. The buyer 's bank also withdraw the payment for the laptop {$980.00} from my checking account. I shipped the item to him and I have the tracking number. The buyer totally lied to the bank, just want the item for free. I need my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}

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 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
This Avant Card i only had for a few months who ever, the company took my line of credit and has stated it is done to overlimit activity, delinquency accounts, too high loan balance,, all information is on the credit report & the card company is looking at my report from the start of covid-19 pandemic and during that time i lost one job & was only late paying three crediter due to that job a lost withholding a pay check. before covid-19 and now there is no report of late payments.

the loan balance was there when i apply for this card from the use of the cards is due to vehicle was in need of major repairs and im currently recovering from Hurricane Ian. 

all credit cards has always been paid on or before times. 

all remarks is a personal attack on my Character

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NY

Complaint narrative:
To Whom It May Concern, I requested my anual credit report and I think it's wrong! Im aware that I have a right to have an investigation done. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. 
Please provide me with the following items : * Pay off disclosure * Interest Rate Disclosure * Balance History * Payment History * XXXX XXXX 1.Validate Accounts Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$6000.00} Account Name : XXXXXXXX XXXX XXXX XXXX. 
Account Number : XXXX Date Opened : XX/XX/XXXX Account Balance : {$4400.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I encourage you guys to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

I also find out that under federal law. you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and correct information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have 6 loans with Navient I am only able to pay three. The other three I have offered XXXX for each as a good faith effort but they tell I need XXXX. If they lowered the interest to zero then paying low would be affordable but I cant afford to pay what they ask and they dont want to accept anything I have to give they only threaten me with litigation what can I do to solve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complaint through the CFPB portal about some fraudulent, unauthorized inquiries on my Equifax Credit Report. Complaint ID is XXXX on XX/XX/XXXX, Equifax response to the CFPB on the CFPB portal was that inquiries below were removed/deleted from my report. I also received an Equifax report # XXXX stating this inquiries were removed/deleted from my report but as today Monday, XX/XX/XXXX this inquiries still showing on my credit report which cause my credit score to drop 19 points. The inquiries are the ones below XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. This inquires are fraudulent/unauthorized. 

*** See attached CFPB report and Equifax Response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020

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 2022-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and TransUnion were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX/DEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXXDEPT OF ED XXXX Balance : {$9000.00}

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 2022-11-01 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXXDEPT OF ED XXXX Balance : {$2400.00} ; XXXX/DEPT OF ED XXXX Balance : {$4000.00} ; XXXX/DEPT OF ED XXXX Balance : {$9000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: TX

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX  Balance : {$2900.00} ; XXXX, XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$160.00}

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