vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: KEYCORP
State: MA

Complaint narrative:
I had a very low and manageable car payment with Key Bank. I paid it over the phone each month without incident. Then in summer 2022, I called in to pay. After I received notice that payment wasnt received. I tried called to pay again via phone. The same result. This happened once again. Finally the company admitted the person taking the payment had made a mistake with the account numbers all these times. However, it was too late to do anything except pay the entire balance of the loan. It is documented that they made errors with the account numbers. I never had {$6000.00} which is the balance of loan. They repossessed my car. My credit is ruined over a {$260.00} car payment and a clerical error. I desperately tried to get any other resolution from Key Bank but no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I dont have a credit file or score and or debt that exist with all the major credit bureaus. So no one is able to verify my social security number or credit worthiness etc. its causing me trouble being a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: SandP Solutions, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.bitcoin.com. In this year of XXXX ( please see attached as evidences ), I wired transferred money of {$25000.00} from my personal bank XXXX XXXX XXXX to XXXX with the help of the scammer. I transferred my virtual money from bitcoin.com to XXXX to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX of 2023, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The www.bitcoin.com MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.bitcoin.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I reviewed my consumer off report and noticed there are inquires that I never authorized. Consumer reporting agencies have assumed a vital role and have a duty to report consumer information with MAXIMUM accuracy. I have been a victim of identity theft and would like an investigation on who gave permission to authorize the following inquires XXXX employees XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX Please investigate and provide the proof that I gave permissible purpose aka hand writing consent to authorize these inquiries.

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 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: OR

Complaint narrative:
Direct deposit pay delivery delay. Zero communication with customers about this. I received nothing from them during this experience. And Fraudulent information on website. Started on XXXX, day was supposed to get paid, said would be fixed ASAP but instead they just moved the posting date of my paycheck to XXXX. Again, not a single communication sent about any of this. Disappointed on lack of assistance and communication. Would not trust this company with my pay moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
Aidvantage has been rejecting my student loan payments since XXXX of 2023. For each months payment I have received a confirmation of payment email followed by an email stating that they have not received payment. I have contacted the company several times, each time resulting in no response. I even tried speaking to a representative and when I finally reached someone they hung up the phone on me. Furthermore I do not want this affecting my credit score as I have not missed a single payment, they have just failed to collect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a VERY serious issue that I have been facing with the www.crypto.com. In this year of XXXX, XXXX, and XXXX ( please see attached as evidences ), I wired transferred money close to about XXXX XXXX XXXX dollars from my personal bank XXXX XXXX XXXX bank to www.crypto.com with the help of the scammer. I transferred my virtual money from crypto.com to www.doexoll.com to invest which is a SCAMMING PLATFORM operating in the United States of America. But when I was about to withdraw all my money with profit this XXXX XXXX XXXX, I had been asked by the investment web site to pay about {$200000.00} some sort of fees which I do not have at all before I can get them back. I got a feeling that I got scammed big time! Then, I contacted the SEC telling me thru email ( please see attached proof ) that the XXXX was not legally operated in the United States of America. Unfortunately, this resulted in a significant financial loss for me! The XXXX  here in XXXX did not protect the Americans with this scam web site and allowed or lured American residents like me to transfer money and invest to the illegal web site. The XXXX MUST NOT ALLOW to engage with the the illegal web site at all that will lure Americans to put their money to. This is TOTALLY UNACCEPTABLE! I demand the www.crypto.com to INVESTIGATE and take this case very seriously. If not, I will reach out with the local media and cable for them to do a live investigation about this! Maybe the venue should be taken to the XXXX arena stadium here in XXXX XXXX on how the Americans have been ripping off by the www.crypto.com!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
on XX/XX/XXXX of 2021 Bank of America Sent us a Letter Stating they are closing our Company account and provided no explanation on the reason for closing the account. ever since then they told us that they are closing the account and will send us the check. i have called them everyday for the last 3 weeks and they are not giving me any information and claiming they are still investigating. so far they have not provided any information on where did the funds went or anything. 
our attorney sent them a Demand letter to release the funds with no response.

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 2023-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I.Q Data International put a collections on my credit from a prior apartment complex I use to live at. The lease had ended in XXXX of XXXX and I received a two month extension until XX/XX/XXXX but the apartment was horrible and inhabitable I had no air conditioning so I left and stayed in a hotel after it was never fixed and the apartment overheated. I did pay all of my rent up until that time and I stayed in a hotel temporarily until I moved into my current apartment. I have proof reciepts of the hotel stay that I was not in the apartment of which the original debt collecter XXXX XXXX is lying and saying I resided in the apartments unitl the end of XXXX when they claim they gained possession of the apartment. That is not true I moved out months prior to then and if that were to be true then that would be an illegal eviction as they filed a disspossery and I went to XXXX XXXX in XXXX XXXX of which XXXX XXXX  didn't appear in court and told the court I moved out and monetary judgement of {$0.00}. A immediate same day writ of possession was entered in XXXX XXXX because I appeared in court and said I didn't live in the apartment so that would be an illegal eviction if they had me go to court in XXXX saying I live in the apartment then file a false collection saying they gained possession in XX/XX/XXXX. XXXX. Data International is also committing fraud by posting this false information on XXXX credit report of deliquent rent payments for an apartment I did not live in nor have a lease agreement with or at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: GA

Complaint narrative:
Account Number : XXXX Claim Date : XX/XX/2023 Claim Number : XXXX Claim Amount : {$3100.00} Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX I have had trouble with the dispute process I had to file my dispute twice for them to even recognize it on this companys website they say that if your account is open for more than 30 days then it is not considered a new account. Although throughout the dispute process they are treating my account like a new account for example they did not give me any updates on the dispute until 20 plus days but for accounts that have been open more than 30 days I was supposed to get that information in 10 days via their policy. They claim they denied my claim because they say I said I didnt activate my card when in fact I did activate my card. My account was compromised and had a numerous amount of unauthorized charges. I even got a notification from XXXX XXXX XXXX that my banking information was being used and sold in the dark web.Now that I am denied I am asking for a reason I was denied and also to issue me a provisional credit while they re-open the investigation and actually try to solve my dispute 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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My identity was compromised and someone used my social to apply for several credit cards under my name where I never applied for new credit cards or lines of credit. I called and spoke with all 3 credit bureau agencies and the creditors to get this matter resolved and I was unsuccessful in getting them to remove it. I explained to them my identity was stolen and I was not the person applying for credit when I asked the credit card agent at the fraud department to tell me what address they had on these applications they told me that they didn't have that information to give me. 

According to the FCRA, my credit report must be accurate and I definitely didn't apply, authorize, or give consent to run any inquiry on XX/XX/XXXX, XXXX, of XXXX for credit. All of these inquiries from Trans Union, XXXX, and XXXX Must Be removed and deleted immediately as follow : XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I did not authorize for this creditor to pull my credit.

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 2023-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hunter warfield inc is reporting on my credit with out my consent the amount of {$3000.00} in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
My father XXXX XXXX used my name, date of birth, social security number, address, and phone number to get multiple loans and open multiple credit cards.These accounts were opened when I was in middle and high school without my consent.I knew nothing of the accounts until XX/XX/2023 when I looked at my credit report through experian for the first time ever.Ive disputed all accounts and are still waiting on results to clear my name. I have filled a police report and pressed charges opening an investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told XXXX, XXXX and Equifax to reinvestigate these accounts name and number is : 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 However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting 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:
In accordance with fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under usc 1681. I told Experian, XXXX and XXXX to reinvestigate these accounts name and number is : 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 However ; they stated everything was complete and accurate but how is that possible if the open account dates, date of last activity and much more is incorrect, usc 1681 : ( 5 ) they are supposed to modify accounts that are not reporting correctly. 15 usc 1681 section 602 states I have the right to privacy,15 usc 1681 sec,604 a, Section 2 : it also state a comsumer agency can not furnished an account with out my written instructions. 15 usc 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has responible cause to believe that the information is inaccurate. I am not liable for this debt, with these account. I do not have a contract with these accounts, They did not provide me with the original contract as I requested.

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 2023-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Someone has been using my name and social security number trying to apply for different accounts

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 2023-11-12 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Someone has been using my name and social security number trying to apply for different accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
Someone has been using my name and social security number trying to apply for different accounts

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 2023-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: MA

Complaint narrative:
On XXXX I submitted my payment for student loans, which was {$270.00}, to Ed Financial. I received a confirmation email, and my funds were pulled from my bank account at XXXX XXXX XXXX XXXX. It was transacted XX/XX/XXXX. Today on XX/XX/XXXX, I received my statement from EdFinancial, stating that I owe {$550.00} on XXXX. Claiming I paid late, and will charge me {$270.00} for a past due amount. This will be compounded to {$280.00} for a total of {$550.00} on XXXX. That's an additional 94 % of my payment, nearly doubling my next payment for something I paid on time. I paid my loan on the date due, and it was transacted the following day, and I am being charged a % XXXX increase on my next payment. I have the emails saved. My account on EdFinancial does not even have my payment in their system. Having checked today, my recent payment on file is from last month, though my bank account shows proof that I paid my loans on the due date XXXX. It is still not in the system, though I was paid and charged for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12 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:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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

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 2023-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX XXXX, I was at the XXXX XXXX XXXX XXXX XXXX, waiting for my flight to board, XXXX XXXX XXXX XXXX XXXX 

Well, while waiting, I decided to pay XXXX XXXX XXXX for an Add-On called International Roaming for {$35.00} before tax. When I paid it, a total of {$37.00} and change was charged to my Bank of America debit card ending in XXXX. A confirmation number was then given to me, XXXX. 

When I arrived to my destination, XXXX XXXX, XXXX, XXXX XXXX. XXXX, the service did not work. So, I dialed ( XXXX ) XXXX from my XXXX 's cell phone XXXX, and tried to resolve this problem with XXXX. This conversation took place around XXXX XXXX  XXXX. At the very end, XXXX said I'm entitled to a refund because the service is not available in XXXX XXXX, XXXX. 

I don't believe the service is not available. I just think somebody else had my real cell phone. Either way, I'm submitting this complaint to recover {$37.00}. 

Please have my personal checking account credited {$37.00}. The XXXX Roaming NEVER worked from my handset. I'm currently using my XXXX 's private WiFi to submit this complaint. 

Again, please have that transaction returned. XXXX said that it's highly refundable. 

Thank You, 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 monetary relief