vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$650.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX and Bank of America ( co-owner of XXXX ) have not provided consumers like myself with any substantial information regarding what special actions and responsibilities these companies are taking to protect consumers like myself who have been victims of XXXX 's own admitted error in processing over XXXX ACH transactions, including a XXXX direct deposit for {$5700.00} which should have been credited to my personal Bank of America checking account on XX/XX/XXXX. 

Neither XXXX or Bank of America have published press releases or consumer advisory text or audio messages, emails, letters, or disclosures on their respective web sites, and in addition on Bank of America 's website, online banking portal, or mobile apps. 

BOA had the audacity to advise customers that they didn't need to do anything!? REALLY!? Affected Customers like me still have to pay or bills, including mortgages, rent, car payments, and every other creditors. ACH continued to DEBIT my BOA Account for other transactions. 

XXXX lack of transparency, virtual ZERO communications with any specific information as to how customers will be compensated for overdraft and late fees for an error that XXXX has publicly admitted was their fault caused by human error. It's now been 5 days and I still have not received my XXXX direct deposit. I received a letter from the XXXX on XXXX ( dated XXXX??? ) the I would receive an ACH direct Deposit AROUND XX/XX/XXXX to make my benefits through XX/XX/XXXX " current ''!? XX/XX/XXXX!? For a payment due me on XXXX? 

XXXX and the Federal Reserve supposedly process or settle transa tons at least 6 times a day, and yet it's somehow okay to delay my XXXX payment for more than two weeks!? Ridiculous! 

BOA says they are not at fault and not responsible. Yet BOA is one of the largest co-owner commercial banks that OWN XXXX and the only privately owned ACH network. XXXX XXXX XXXX has already announced the would not charge affected customers for overdraft fees and late fees related to this fiasco? Why is XXXX and BOA giving its customers the silent treatment? When I have tried to contact BOA to ask these basic questions, I either can not reach an BOA chat or phone agent at all, or placed on hold for in excess of 30, 45, 60+ minutes only to be told they don't have an answer, or even worse get disconnected from active chat sessions or telephone calls. I'm talking about every BOA Chat agent I was able to finally to contact, including BOA XXXX NY chat agents XXXX, XXXX, XXXX, XXXX, etc. Every chat agent disconnected rather than answer my two basic questions. Same outcome with every BOA telephone agent as well. Disconnected rather than provide answers to basic questions regarding the XXXX debacle.

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 2023-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ever since XXXX XXXX and his team players learned how to hack Bank of America 's firewall, I've been having online banking issues and I haven't been able to have direct access to my real account online. I keep viewing fake, fraudulent accounts created by the XXXX ' group. 
For example, my balance today, XXXX, should be {$100.00} plus the credit from XXXX ( double billing ) {$40.00} ; and it's not. 

Then, on Friday, XXXX, when I received the refund from XXXX, my balance was {$250.00}. not {$420.00}. And later on that same day, when I made my deposit of {$170.00}, self earned money, my available balance was {$420.00} ( rounded. ) So, I don't know where {$590.00} came from. I'm convinced this is NOT my online account ; and I have no business viewing someone else 's account that's mimicking my real account. I'm entitled to my real, legit, legal, real time, online account. 

Who is causing this problem and why? What's the problem with me having " my '' real online account? 

Please have the bank return my real online account and disconnect me from XXXX ' XXXX XXXX fake account that gets tampered on a regular basis. 

Again, give me back my real account with the correct Available Balance. 

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
Consumer complaint received 2023-11-08 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 2023-11-08 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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 explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: DISCOVER BANK
State: GA

Complaint narrative:
I filed for bankruptcy XX/XX/2023. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 that states ; I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ).

It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: Credit Karma, LLC
State: NY

Complaint narrative:
am writing to file a formal complaint against XXXX XXXX due to concerning incidents that have occurred with my credit information, specifically the unauthorized use of my credit card number and multiple inquiries on my credit report. These actions have raised significant concerns about potential violations of consumer protection laws, including 15 USC 44, 12 USC 44, and 12 USC 83 ( a ). 

Recently, I discovered that my credit card number was used without my knowledge or consent for transactions related to Credit Karma services. This unauthorized use of my credit card information is a serious breach of privacy and security and has raised questions about the safeguards Credit Karma has in place to protect sensitive consumer data.

Additionally, I have noticed multiple inquiries on my credit report made by Credit Karma without my explicit written or verbal consent. These inquiries have negatively impacted my credit score and have occurred without a clear and legitimate reason, which may be in violation of consumer protection laws. 

I request an immediate and thorough investigation into the unauthorized use of my credit card number and the multiple inquiries on my credit report. I also urge Credit Karma to take corrective actions promptly, including rectifying any unauthorized charges and inquiries. Moreover, I request that Credit Karma ensures strict compliance with the relevant consumer protection laws, specifically 15 USC 44, 12 USC 44, and 12 USC 83 ( a ), to protect consumers ' privacy and credit information. 

I expect a written response to this complaint, outlining the steps taken to rectify the unauthorized use of my credit card number, remove any unauthorized inquiries from my credit report, and ensure full compliance with consumer protection laws. Your prompt and cooperative response is essential to resolving this issue amicably and restoring my confidence in Credit Karma 's handling of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called the XXXX XXXX for Bank of America and reported withdrawal history that I did not make nor gave permission for. After filing said claims I received in the mail the Denial of Claim Letters. They stated that my claims were denied because B of A found evidence that I performed the withdrawals myself or gave permission for someone else on my behalf. These withdrawals totaled more than {$5000.00} and were in no way done with my consent or knowledge. They were done at a Casino near where I live. I called B of A to request the documentation and any proof that was used in order to make their decision. Several weeks later I rcvd what they considered the absolute proof that I was responsible for what I had claimed, all that was sent to me were print outs of transaction history in and around the time of the particular disputed transactions. This is something obviously I already was aware of and had access to and that any monkey could have printed out and in my opinion does NOT constitute valid, without doubt proof that I was responsible. I have attempted to contact someone higher up with no luck and was advised that my claims would not be reopened, no individual will answer any questions and I am basically told oh well and laughed at. I think their excuses are not valid and not professional and that they did not handle my disputes accordingly and I want my money back.

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 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: WI

Complaint narrative:
I have been making payments to my loan provider Edfinancial services and it would go through but my payments keep getting reversed back to me so it made me behind on my payments. My bank information is correct and its hard to contact Edfinancial services. Other people have had this problem in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have reports to Citi bank that the account they have opened under my name is a fraudulent account. I have never done business with the company and I have never opened any account with them they are are refusing to close this account and remove it from my credit report! This account has a balance with multiple fraudulent purchases and items sent to addresses I have never lived at!

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 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I sent certified correspondence to Credit Acceptance Corp. which they acknowledged receipt of which indicated their violations of the FCRA, specifically 15USC1681 ( a ) ( 2 ) ( B ) " The reporting of this account is a violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' and the Gramm-Leach-Bliley Act " I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( XXXX ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Credit Acceptance Corp dismissed my request indicating in their response that based on their investigation, the information they provided to the credit reporting agencies was complete and accurate and did not require modification, deletion or correction.

My correspondence did not request correction of information they furnished but demonstrated they were not authorized to disclose ANY of my private, non=public information. Further, it requested production of the clear and conspicuous disclosures they were required to provide prior to the furnishing of said information along with explanations of how to opt out. 
They produced no evidence of the investigation they claimed to have done which I never requested in the first place.

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 2023-11-08 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr. Cooper on XX/XX/2023 has locked me out of my account after a cyber security attack on their end. I am unable to format my payment arrangement or see up coming escrow and P & I pending payments to ensure they go through or are pending. I have attempted to reach out by phone three times, since learning about the breach for information, at one time, the number was disconnected and the others I got an automated message, with the same information about the breach. No representative from Mr Cooper has attempted to reach out to us in any form, to even acknowledge the breach. Being unable to ascertain what information was targeted, ( public records, mortgage information, banking records, payment arrangements ) I don't know what steps if any are needed to protect myself. Let it be known I never choose Mr. Cooper to handle my mortgage, myself like countless others had our mortgages takeovers from the financial institution we had originally choosen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, an individual from XXXX got my routing and account number and proceeded to try to write a check in my name and now several withdrawals in the time since then. I alerted USAA immediately and they are refusing to close the account in question. I have moved my money out of that account, but USAA is allowing XXXX withdrawals to continue. I can't keep calling them and disputing these charges daily and they refuse to close the account. I have been told that the account was put in credit only status and that everything would auto reject and none of that is true and I can't rely on this bank to take action and close this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.

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 2023-11-08 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: OH

Complaint narrative:
Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 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: Chime Financial Inc
State: NY

Complaint narrative:
In XXXX of 2023 I placed a deposit for a cosmetic procedure with XXXX. I was told by my physician not to follow through with the procedure because it could result in death/severe injuries. The same day, due to this fact, I requested my refundable deposit back to my CHIME Visa Credit Account which was drawn from my CHIME Checking Account. XXXX refused to refund my account and I later received a call from their corporate office after I made complaints on my popular social media platforms. 

The CHIME VISA Credit dispute was resolved in my favor on XX/XX/2023 with {$1000.00} alleged to be sent back to my CHIME CHECKING ACCOUNT. Chime repeatedly lied and told me the funds were mailed to my address on file and that a password reset link was sent to my email in file so that I could enter my account to access my funds. 

Thirty emails later as well as countless phone calls to Chime have led to the worst customer service, lies and over all refusing of Chime to allow me to access my hard earned funds. 

I suspect racial and ethnic discrimination on Chimes part because the service became worse after I sent copies of my photo ID.

Company response to consumer: Closed with monetary relief