vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX  i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX  its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synter Resource Group, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX to ship a mattress cross country- they provided me with a quote at the facility of roughly {$250.00} - ( Quote # XXXX ). I was also given a discount code XXXX. 
I was also told by the woman at the facility that I would be charged upon delivery and left the facility to begin our cross country trip. 2 days later I received a call from XXXX saying they failed to account for the weight of the shipping pallet when calculating the cost so the price would actually be closer to {$700.00}. I told them that due to them not honoring their quote we will be cancelling the order. I said that they can donate the mattress or throw it away - due to the circumstances it is now their problem to deal with as I was already halfway across the country. 
I got the email address of the individual I was speaking with a XXXX and sent them a follow up email solidifying the conversation we had just had on the phone. I thought that was the end of it. 
Flash forward a year to XX/XX/XXXX, they reached out to me again for payment and I referred them to the original emails sent out, and told them that the order was cancelled due to their inability to honor their quote. Furthermore- the mattress was never even delivered so their claim that I owe them money is preposterous. 
Flash forward to XX/XX/XXXX, my landlord in DC ( whose house the mattress was going to be shipped to ) began sending me emails that she has been getting hounded by XXXX  that they had exhausted all options in collecting their money so they were turning the debt over to a collection agency. 
Somehow the debt is now under my previous landlord 's name ( perhaps because she is the owner of the home ). However, she did not place the order or have any correspondence with XXXX. The debt collection agency will not talk with me because the debt is not under my name, however, I don't want to sign anything from them saying that the landlord is not involved because that could be viewed as an admission of guilt on my part in the eyes of the debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
CFPB Write up n accordance with the Fair Credit Reporting act 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 2022-05-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America continues to engage in malicious and unfair business practices that harm the consumer. I have a checking account and Credit Card account with BofA. My credit card payment of {$440.00} was due on XX/XX/XXXX. On XX/XX/XXXX, I went into their mobile App, and clicked Pay. I entered the amount of {$440.00} which was the minimum due, and selected today 's date of XX/XX/XXXX. I submitted and received a confirmation. I checked my account later and the funds had not been taken from my BofA Checking Account nor did the Credit Card showing a pending payment. I have had issues with BofA handling payments in the past so this made me nervous. I went back into the BofA App into their 'Bill Pay ' section which showed a 'scheduled " payment of {$440.00} from my Checking Account to my Credit Card account for XX/XX/XXXX. Since it was not sent, and neither my Checking Account nor my Credit Card account showed the pending transaction, I cancelled the scheduled payment of {$440.00} for XX/XX/XXXX on XX/XX/XXXX and received confirmation on-screen that the transaction was cancelled. I then went into the BofA App and went to Transfers, and selected Make Transfer. I selected to transfer {$440.00} from my Checking to my Credit Card on XX/XX/XXXX and received on-screen confirmation of the transaction. I checked my account and both my checking account and credit card account now showed the pending payment. I checked the Bill Pay section again and it showed there were no other Bill Payments scheduled and no pending transfers. I checked my account on XX/XX/XXXX to see that my {$440.00} transfer was pending along with another {$440.00} Bill Payment which was previously cancelled. I've spoken with BofA and they are not willing to do anything when the transaction is 'pending. ' For reference, my checking account had exactly {$440.00} in it and somehow BofA thought they would take {$880.00} leaving my account overdrawn by {$440.00} and charge me a {$10.00} overdraft fee so the account balance is now - {$450.00}. This is probably the 6th time I have had this situation occur with Bank of America. They continue to take multiple payments that are either not authorized, are duplicates, or previously cancelled transactions. They offer no support and refuse to claim responsibility for these mistakes.

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 2022-05-24 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 XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an 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 2022-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Remote account Barclays opened late XXXX. Wire to wire deposit XX/XX/XXXX of {$42000.00} from a transmitting bank. Several hours later account was locked out. No further transactions occurred. We receive the Barclay bank statements, interest, and pay the relevant taxes to IRS. There is no access to the account. Originally it was thought that there was a failed hack, resulting from weak internet security ; the lockout was logical. Roughly a year latter XX/XX/XXXX, a bank representative disclosed that the lock out occurred, when linkage to a second bank for further transfer had failed. Without the account lockou, this was not pursued. Unfortunately interacting with Barclays was been rather difficult, with readjusted stipulations or requirements to unlock the scount. They have requested statements from our other two banks in conjunction with other stuff ( driver license, .. ) to unlock the account. Those other two banks have warned us not to comply. Barclays unfortunately works through telephone representatives and uses readjusted stipulations with each contact ; nothing written. We remain at an impasse with regard to recovering our funds and due interest. There was a complaint filed with State of Delaware, though response from that ia way overdue ( 75+days, rather than indicated 30 or 45 )

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 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am with XXXX XXXX XXXX and we are working with a client to release a lien. The company in question however doesn't appear to be a functioning business. I was hoping you could find us the Successor to the company to try and request a lien release from them. The Company is called : ReconTrust Company, N.A. 
XXXX XXXX XXXX XXXX, CA 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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Last month there was fraud on our account due to XXXX Payment. We put freeze on our account and yet wells fargo still let another fraud payment go through. we opened a new account and closed old checking account, more than a month later another fraud transaction came through. Wells Fargo said that for 30 days transactions from old account still come through!!! Even if there fraud. Makes no sense and it's been more than 30 days. I spent XXXX hours on the phone with different departments not being able to help why fraud charges are still coming out of new account. They told me I would receive phone call a month ago from Wells Fargo and I never received any call from executive office regarding this on going fraud to my old and new account.

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 2022-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
XXXX Student Loan ( State SC ) - ( now loan moved to Aidvantage ) - I was mislead and told to go into forbearances. I owe {$71000.00} for a XXXX year in-state college ( XX/XX/11 ). This is an absurd amount. If there is anyway I can get or become part of the settlement. I was in forbearance as COVID-19 hit which is why I did not default on the loan. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: MI

Complaint narrative:
I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I called Experian after I purchased a credit report from XXXX XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX Accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$570.00} Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX on my credit report which is UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Registration Certificate, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts is inadvertently resulting in me being extorted.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Avant Holding Company, Inc.
State: NJ

Complaint narrative:
I have had the Avant credit card since XXXX  of XXXX. I have never been late on the card up until XX/XX/XXXX, I scheduled my credit card payment for the scheduled date and it posted business days later. After that late charge and I followed up by paying the card off in full on XX/XX/XXXX. I called and asked as a courtesy if the late fee can be refunded/waived. The representative that I spoke to, said she would put in the late fee waiver request. Two days, later I received a letter via email stating that the request was denied. I called multiple times since XX/XX/XXXX and each time spoken to representative XXXX  despite my request to speak to the corporate headquarters in Illinois. Also, I dialed the corporate headquarters toll free number and was routed to an XXXX  contact center. Some of the representatives there have been rude, short and unable to explain the terms in the credit card agreement that prohibits fee waiver as a onetime courtesy. Most importantly, I made a payment in full, and despite that balance remaining on the account after the statement cycled on XX/XX/XXXX was {$52.00} and that amount was due in full for the next payment date of XX/XX/XXXX. I called to inquire on how I owed this amount, which I am disputing. Again, the representative was uninformed, and short. The minimum payment generally is a percentage of the balance owed not obligating the consumer to pay the full amount. Finally, as of today 's date, XX/XX/XXXX the account is showing I have negative XXXX available despite the fact I paid the balance in full and made an overpayment. I believe Avant is misrepresenting the credit card agreement, stating false information over the phone and providing inaccurate updates of the credit card account 's current and available balance. I have not been able to access my account funds as a result and have spent countless time trying to reach corporate headquarters regarding this matter. IT IS BAD CUSTOMER SERVICE AND NEGLIGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I've recently reached out to Experian in XX/XX/2022 to update and remove incorrect or inaccurate personal information reporting on my credit report. On the Experian credit report it contains addresses XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX which neither or locations where I currently reside nor have any affiliation to. The Employers section also contains inaccurate information with the names XXXX XXXXXXXX and XXXX XXXX which I was never employed at neither Employer. Despite my previous attempts this wrong information continues to report.

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 2022-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: GA

Complaint narrative:
Today XX/XX/2022, I received a call from I.Q Data International. They call to inform me on a debt from a former apartment complex. I advised the agency that I have tried to set up a monthly payment amount within my budget to the complex and payments are currently being sent at {$300.00}. I also advised that I was working during the call, this comment was totally disregarded by the agent. I advised the agent of my work hours XXXX to XXXX and they insisted I call them at XXXX on a resolution or they will no longer be able to hold the account and enter refusal to pay. I advised them, they are asking me to conduct personal business during my work hours. I also advised them per the fair debt collection act, I have the right to receive the debt in writing within 5 days of contact.. The agent advised the letter was mailed XX/XX/2022 and not sent over night. I advised the agent I will call them to discuss debt after I receive the notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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 XXXX XXXX XXXX XXXX XXXX Account # xxxxx 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 an 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 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XX/XX/2022 XXXX for {$130.00} in XXXX XXXX fraudulent withdrawal XX/XX/2022 XXXX for {$87.00} in XXXX - fraudulent withdrawal I have contacted coinbase and coinbase card and both departments keep passing me in between each other with no accountability. 

These transactions said they were used using my coinbase card, but there is no record of the transactions on the card. However, the money has still been debited and not returned. 

It seems to be a mirrored charge from months prior but they won't fix the issue or even tell me how to dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Im accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : a creditor mag not treat a payment on a credit card account and a open end consumer credit pla as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 : states I have a right to privacy. 

15 USC 1681 section 604 A section 2 : states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not Treat a payment on a credit card account under a open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation