vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America continues to cancel my wire transfers when I have the funds available for transfer the receiving institution verifies the funds then bank of america cancels the transaction this has happened repeadately in the past 27 days when I try to get resolution through the bank all I get is the run around from this dept to that dept all the time my money is stuck in the account and I can not access it. I can not get them to mail me a check they just tap dance around and pass me off for hours on the phone

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 2022-11-27 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: NC

Complaint narrative:
I have sent complaints to the CFPB, experian and XXXX since last year with no resolution from Experian. Experian has simply ignored my request for remova ; after I sent in proof that they can not verify it after they stated that they got it from XXXX. Who in return stated that they do not have a XXXX on my credit report and asked that Experian investigate. To this day there is no solution to the 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 2022-11-27 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: AR

Complaint narrative:
The problem is Transunion with deleting the information than adding it back on after sending in documents Under FCRA rules if you feel that it a result from identity theft or fraud you can have the information block from your file.Transunion has created a whole new credit file and number.I am asking that the information to be blocked from any credit report that is created by Transunion under FCRA rules.The enrollment form was never signed by me or sent to me for a signature.My identity was changed in the year of 2009 without my consent.I have no clue who is behind all of this disaster.I am uploading documents to help with this case

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 2022-11-27 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 has violated my XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2022 I called into XXXX XXXX and made my payment of {$530.00} over the phone with the representative by the name of XXXX, she stated the payment was successful and we ended the call. I woke up the next morning and noticed I received two emails thanking me for my payment and I immediately checked my card and the payment was in process twice with a total of XXXX. I called in and spoke with XXXX and let her know my payment was posted twice and I needed the money back right away as I have a son who has necessities as well as the holiday is coming up and I wanted to XXXX shop for my sons XXXX XXXX. To no surprise I was told it would be up to XXXX business days until I received my money back. Immediately I asked for a supervisor ( XXXX XXXX and she stated it would be XXXX days and it would be put on rush but they are closed over the weekend. This is unacceptable in my eyes, any other charge that comes through on my account twice even for {$1.00} it is recognized as a duplicate charge and I am refunded promptly. This is not my first issue I have had with Chase Bank and I will be closing my account as soon as this is rectified!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one : Spoke to : XXXX is number # XXXX Date : XX/XX/27 Time : XXXX Advised of current financial hardship and covid related symptoms. Asked about a hardship program. He stated he could help me Avoid late fees I stated I needed help with covering the overdue amount. XXXX stated that Im currently enrolled in a specialty program with one of my credit cards so he couldnt assist with that one or unenroll me no matter what. The specialty program only states to make any payment by XXXX he did not relay cheat information. Im not sure if I could have had my overdue payment waived because he did not assist with this. So for this account I Have to override payments equaling around {$300.00} and they will not assist with this. They do not have a program that will help with my current overdue fees. He stated that after up to date then I can see what other options I have. I was not previously advised of any other programs. Advised that for my second credit card he can offer me two offers 1st ) make my XXXX payment XX/XX/XXXX of {$110.00} which is my overdue payment or/ pay {$150.00} in one month and bring the account current which I didnt understand. I was left with no options on either so I Deferred to XX/XX/XXXX. I asked if I cant afford the payment in XXXX to give a call or before if can not pay. Contact if anything hinders payment. Contacted about both accounts and not being able to afford payments. Representative did not seem to care that I was in a hardship to offer much assistance during this hard time. All my other payments were made monthly no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I set up a payment arrangement with FTB ( franchise tax board ), to make payments towards my CA state income taxes, starting in XX/XX/2022. I received a threatening letter that my arrangement had been terminated and full amount was due immediately. I called they said BofA rejected the payment request and I defaulted. I knew that was a mistake so, I called BofA and I was told there was no record of the attempt. I called FTB and they said well, it was and I gave them another checking acct to take it out of.. they assured me that it would start again XXXX XXXX unbeknownst to me he was taking it out of BofA again, which shouldnt have been a problem, until I received another payment arrangement termination. I called BofA again, this time ( after I was told no record of attempt, but after further review ) there had been a stop payment/ hold on XXXX XXXX. Which was a huge surprise to me. Meanwhile, FTB has said I can no longer use BofA and there has been XXXX ( XXXX ) {$34.00} processing fees attached to the amount already owed to FTB. I asked BofA how did that happen, they couldnt explain if it was a fraud issue ( which I do not recall claiming fraud ) or I requested a hold ( which I KNOW I didnt do. ) now FTB says I need a letter from BofA explaining the hold had been removed and in order to have the fees waived I need them to also state i didnt request the block or it was a bank error, which Bof A wont do. I cant on my own get anywhere with this problem.

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 2022-11-27 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-11-27 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: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
ON XX/XX/2022 I SENT OFF A VERIFICATION LETTER TO CHECK ALL MY OF MY ACCOUNTS WAS CORRECT. THE CREDIT BUREAUS ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ACCOUNT XXXX {$2500.00} ACCOUNT XXXX {$410.00} ACCOUNT XXXX {$100.00} ACCOUNT XXXX {$18.00} ACCOUNT XXXX {$350.00} ACCOUNT XXXX {$180.00} WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE ADDRESS IS INCORRECT AND THE OPEN DATE IS INACCURATE THE LAST DATE IS INACCURATE. THIS IS GROUND FOR REMOVAL. THEY ALSO VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 604 A SECTION 2. 

THIS LAW CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MT WRITTEN INSTRUCTIONS. 

I HAVENT GIVEN THESE ACCOUNTS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
I am a XXXX XXXX rewards member and my personal information was involved in their data breach. Someone with a similar name used my social to get a car loan with XXXX XXXX XXXX. 
This account is fraudulent and I have contacted XXXX and supplied the necessary documents and they worked out a settlement over it and the balance was brought to {$0.00}. However the item and inquiry are still reporting on my credit in a negative manor. 
I also filed a report the FTC : XXXX. 
I have attached a copy of the ID Theft report and my social for verification.

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 2022-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX  Status : CLOSED Reason : Reporting Inaccurate Credit Information, ( these account ( s ) being reporting as open and pass due when its closed ). 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, 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 explanation
Consumer complaint received 2022-11-27 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: Continental Finance Company, LLC
State: IN

Complaint narrative:
Had been make at least the minimum {$35.00} since opening the account and I was told the company closed my account due to to many returned payments

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 2022-11-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX 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 an 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 explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: ME

Complaint narrative:
I was charged a higher interest rate on my car loan because of my XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I asked for accommodation and time due to my XXXX XXXX They refused to give me an extension and threaten to repossess the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: TN

Complaint narrative:
I have inquiries on my credit report that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2022-11-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 an 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 2022-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a VISA credit card though Truist bank and I noticed XXXX charges against my account for Segment Balance transfer debit. I was charged on XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX ( the phone number on the back of my card ), and they first told me it was fraud. I then started asking more questions, and they informed me it was for a promotional deal and that I owed the money. I explained that I was not aware of any promotional deals, and then told me it was to keep my card active. They applied a credit card for these charges, but my concern is that they couldnt give me a legitimate reason as to why they are charging me. Also, I am unsure if this is legal since they are charging me without my authorization.

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 2022-11-27 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: IL

Complaint narrative:
I noticed two credit inquiries on my credit report in the past two weeks that I did not make. One, to XXXX XXXX on XX/XX/XXXX, resulted in a XXXX being sent to me. I contacted them and they cancelled it. They then recommended I contact this site. 

The other one, from XXXX XXXX XXXX XXXX XXXX XXXX, I have not yet contacted.

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 2022-11-27 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

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 2022-11-27 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: IN

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I received a copy of my credit report and this account XXXX XXXX is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well

Company response to consumer: Closed with explanation