vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
As XXXX XX/XX/year>, I went to the ATM to make cash credit card payments. The first payment of {$1000.00} was processed successfully. The second payment, which I did not count precisely due to being in a hurry but estimated to be between {$1000.00} and {$2000.00}, was not processed because the ATM jammed. The ATM provided a receipt with the following message : " We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our Electronic Claims team at XXXX to discuss this transaction. '' I immediately contacted the provided number and spoke with a representative. I informed her of my uncertainty about the exact amount, and we agreed to report the higher estimate of {$2000.00}. We both assumed that the bank would audit the ATM and credit me with the correct amount. 

In XX/XX/year>, I received a letter stating that {$2000.00} was not found and that my credit card would not be credited. Frustrated, I called back and was informed that I needed to provide an exact amount for a reinvestigation. I then reported the lower estimate of {$1000.00}. 

Today, XX/XX/year>, I called for an update and was told that no discrepancy was found with the ATM and that no credit would be issued. I requested the ATM footage to prove that I had entered cash, but was informed that a subpoena is required to obtain it. I even mentioned the receipt the ATM provided ( with a transaction and an exact date and time ) to prove that I did enter cash and the ATM gave me the receipt as an error but you the representative did not seem to care. 

I am dismayed that an established institution like Bank of America can not verify my deposit through their surveillance, audit, or backlog ( my receipt ) and claims that the ATM balanced with no overage. As a result, I have lost $ XXXX with no apparent recourse.

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 2024-06-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: HI

Complaint narrative:
I submitted to apply my Ohio XXXX benefits to a loan. Then was told that the loan doesn't meet the requirements of the personal loan when it does apply since it is a payment contract and that Ohio law states ( 172 Ohio Law Note. Ohio prohibits a creditor from charging or collecting finance charges exceeding six per cent per annum from a person, or the spouse of a person, XXXX on XXXX XXXX. Ohio XXXXev. Code Ann. 1343.031 ( B ) ( West 2004 ) and 7.1.3. Temporal Scope of Interest Rate Reduction The 6 % interest cap on mortgages and mortgage equivalents applies during XXXX XXXX and for one year after XXXX XXXX XXXX.177 But the interest cap reduction on all non-mortgage debts and obligations is limited to the duration of active service.178, 179

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
XXXX XXXXXXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused XXXX damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!

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 2024-06-20 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: FL

Complaint narrative:
XXXX XXXXXXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.As Defined by The IRS. Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inBy Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX ( XXXX XXXX  ) reported to Transunion in XXXX XXXX  an unpaid debt of {$160.00}. I immediately paid the debt and was told by XXXX that it would be removed from Transunion by XXXX. After seeing the account was not removed, I filed a dispute with Transunion, including a copy of my bank statement. Transunion closed my dispute ; I disputed several times again, only for it to be closed. The company was permanently closed when I attempted to contact XXXX at XXXX. When discussing the dispute with Transunion, they stated that XXXX is reporting the account has not been satisfied. Knowing this information was untruthful, I asked for their contact information for XXXX. Again, I received the same information I already have from a company, which is permanently closed. I am getting nothing but a run around from Transunion, even after proof of payment.

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 2024-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Professionals, Inc.
State: MT

Complaint narrative:
On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked Collection Professionals Incorporated to verify initially, I had not recieved that initial information. 
The money that is believed to be owed was initially from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. XXXX XXXXXXXX XXXX states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, Collection professionals Inc must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: AR

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and 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 2024-06-20 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-20 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
In XXXX there were some charges XX/XX/year> for {$860.00} and additional charges on XX/XX/XXXX & XXXX on my account for XXXX. Once I received the statement I saw that there were some credits from XXXX of {$1500.00} as soon as I see this I called to dispute because I don't own anything XXXX. My card was closed and provisional credits were issued by Ally, I received a new card and about then on my XXXX statement there were {$400.00} worth of charges placed back on my account as a Lost/Stolen transfer adjustment from Ally, along with XXXX charges totaling {$790.00}. Again, I do not do business with XXXX. I have called them repeatedly over the last few months to solve the issue and all I have been getting is that these are legitimate and the credits were issued and that they will escalate. I have been waiting over 2 months for a manager from Dispute to call me back. I called again and I don't get an explanation just that it is correct XXXX.I am seeking full explanation!!! from my calculations there are a total of {$2400.00} in charges ( which are fraudulent ) and credits {$1900.00} with me still being due a credit of {$560.00}. 

I have been calling since XXXX to get this explanation and still to this date they escalate and no one calls me back and is willing to go over each line with explanation. If they dnt want to handle they just transfer you all of the place and is not seeking any resolve

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 2024-06-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report inaccurate and fraudulent accounts on my credit report, which is affecting my life negatively. Experian also has made it impossible to reach a representative over the phone to speak to and get information. They continue to send my line to an answer machine. 

The account that is an inaccurate and fraudulent is : XXXX XXXX This account also doesn't generate on any of the other 2 bureaus. 
According to Section 609 of the FCRA, I am entitled to receive a notice of my rights when I request a copy of my credit report. This notice must include information about my right to dispute errors in my credit report and to request a credit score.

Furthermore, Section 611 of the FCRA requires CRAs to investigate consumer disputes and to correct or delete inaccurate or incomplete information in their credit reports. Section 615 of the FCRA requires CRAs to follow reasonable procedures to ensure the maximum possible accuracy of the information in credit reports.

I have disputed this account with experian but to date, no action has been taken to correct the inaccuracies on my credit report. And they have made it extremely difficult to get information. Directing customers to a answer machine. I believe that Experian has failed to comply with their obligations under the FCRA, specifically under the following sections of the FCRA : 623 ( a ) ( 1 ), which requires CRAs to maintain reasonable procedures to ensure the maximum possible accuracy of the information in their credit reports.

623 ( a ) ( 2 ), which requires furnishers of credit information to provide complete and accurate information to CRAs.

623 ( b ), which requires CRAs to reinvestigate consumer disputes if the consumer provides new information.

623 ( c ), which requires CRAs to delete information that is outdated, incorrect, or can not be verified. 

I demand that Experian, take immediate action to remove the inaccurate account from my credit report and to comply with their obligations under the FCRA. If Experian does not comply with this demand, I will have no choice but to consider my legal options, which may include filing a lawsuit to seek damages, statutory damages, and attorney 's fees for FCRA violations. 

This unauthorized reporting has caused great pain in my life. 

Thank you for your time and attention to this matter. I look forward to your response and resolution to this issue.

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 2024-06-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: CA

Complaint narrative:
On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   began debitting my XXXX XXXX card account. A totaI of @ {$900.00} was debited from my card account. I didn't become aware of this until XXXX XXXX XXXX XXXX XXXXXX/XX/year>, when I went shopping at XXXX XXXX XXXX XXXX XXXX. Netspend is claiming that since I still had my card no one else could have accessed my account. However, it was only after going to the store that I was given a receipt with my balance on it. It was at this point I contacted Netspend to let them know someone had stolen my information. As my card was never out of my possesion I believe I was the victim of skimming. I just recently learned of this practice so I wasn't aware of it when I contacted Netspend. Although it is a 5 hour drive from my home to XXXX XXXX Netspend claims there was no error and that the debits were authorized. I obtained police reports. I requested a provisional credit, and contacted the California Department of Protection and Financial Innovation and filed a compliant without success. I also closed my Netspend account. As I stated I just recently learned of the practice of skimming which is why I am now filing this complaint. Netspend was of no help to me at all. Other than basically calling me a liar and stonewalling me at every turn. I have since learned that there are several ways Netspend could have determined if it was me or someone in possession of my card info such as the IP adress the person was located at during the time of the debits.I am a XXXX Veteran and I am on a fixed income. It took me decades of fighting with the VA to get my benefits and to have someone tell me it's no big deal is an outrage. If there is any remedy available to me I would be extremely grateful for any direction you could give me. Thank you in advance for any and all help you may be able to give with matter.

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 2024-06-20 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:
I have provided all necessary information and expect the listed accounts to be deleted and blocked within four business days of your receipt of this notice to comply with my rights under the FCRA. Failure to do so constitutes a violation of the FCRA, and I will take legal action to protect my credit rating and myself if my dispute is not investigated and the information is deleted promptly. Each violation of the FCRA can result in damages up to {$1000.00} as per 15 U.S. Code 1681n ( a ) ( 1 ) ( A ), ensuring consumers have recourse for willful violations of their rights.

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