vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had written a personal check for XXXX dollars and the bank debited my account XXXX dollars causing my account to be overdrawn. They are saying they can't return my money for 1-5 business days which is unacceptable to me. My XXXX XXXX is elevated, I have to pay my rent and other bills. Since it was their error and not mine, you would think they could expedite this, but I was told they couldn't. Bank of America is holding my money that I need and will make interest on it while I'm just left with, that's the best they can do. The rich would have this solved in minutes, but us poor who need their money are left to suffer.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
add this account to my credit report not my 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 2023-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # XXXX, Account name : XXXX XXXX XXXX ACC # 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 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 explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
Hello, I am writing regarding my public student loan forgiveness application ( PSLF ). I filed an application for this in XX/XX/XXXX. I received a letter from the department of Education on XX/XX/XXXX. The letter stated that I qualify for the XXXX program and my loans would be transferred to Mohela. I had not heard from Mohela after receiving the letter, so I called Mohela in XXXX of XXXX. Mohela claimed they had not received my application and recommended I contact XXXX XXXX and Dept of Ed. I called and spoke with a representative at both. I was advised my file was sent to Mohela and that it would be sent again. I had not heard from Mohela so called in XX/XX/XXXX. Mohela claimed they still did not have my file. But while on the call, the phone rep claimed he saw the documents but that a file had not been created. He stated I should receive a welcome letter from Mohela within thirty days. It is now XXXX of XXXX and nothing yet from Mohela. I check the status of my application weekly at https : //www.mohela.com/DL/secure/borrower/PSLF/PSLFInformation.aspx There is no status on my form. I have now worked for a qualifying not for profit a total of eleven years. A co-worker submitted his application XX/XX/XXXX and has already received his forgiveness under the program. Somewhere in this process Mohela has dropped the ball. This is very frustrating and I risk losing access to this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX I received three back to back emails from " Bank of America XXXX. The first email was asking me to verify my email address with a link to " confirm email ''. The second email said I was now enrolled in Online and Mobile Banking with a link to " view service agreement '' and the third email stated that my application for a Bank of America Advantage SafeBalance Banking Account was declined due to information obtained from XXXX XXXX XXXX XXXX and " the key factors that adversely affected your deposit account score were the status of the relationship with the inquiring bank, the number of times account ( s ) have been in a high risk status, and the number of different banks inquiring during the last year ''. I have never been a customer of Bank of America and have never had any type of account or credit card with them. I did not click on any of the links in any of the emails and I went in person to a BoA branch who looked up my SSN through their system and was able to find my name, address, and email but I had no history of any type of past or active accounts. There was a phone number listed but the phone number was not mine and I searched the number online and it was getting results of an area code in Florida which I have no friends or family in that state. The employee at BoA also said that the email address which I received the emails from do not look like a familiar email that BoA would use. I am still concerned that someone attempted to open an account with my personal information.

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 2023-05-03 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: MRS BPO, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX MRS Associates account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2022 account # XXXX a XXXX account was opened under my name without my knowledge or consent and was used and left a {$490.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: OR

Complaint narrative:
I discovered a atm withdrawal on XX/XX/2023 from my cash app account in the amount of {$87.00} I immediately began to look for my cash card and couldn't find it anywhere so I reported that the transaction was not authorized I believed that when doing this they had deactivated the card cause I was prompted that it was required when reporting card as stolen. Then around XXXX pm on XX/XX/2023 I received another notification of a withdrawal in the amount of {$47.00} I have cancelled the card now successfully but I can't seem to report the transaction through cash app now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
They are continuing their harassing calls and this is becoming childish and if it goes on any longer I will hire a lawyer that will easily win this case due to the circumstances. XXXX XXXX XXXX is not the number that owes this debt and I will not repeat myself.

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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I received a statement in the mail that said I opened a savings account with Barclays. called and told them I did NOT open an account. They said they confirmed it was fraud and shut it down before I called. How is it possible that a bank can open a new account without running a credit report or calling me???

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 2023-05-03 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: Self Financial Inc.
State: AL

Complaint narrative:
I have reached out multiple times trying to get the late payments on my account corrected this account is showing a late payment of 30 days which is inaccurate and by Law illegally being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
On XXXX of this year I have disputed this account as the car was repoed and I was only the co signer I was never notified that the payments where not being paid until they repoed the car and that was back in 2015 and they refuse to remove it from my credit they just keep changing that dates on it so they can refresh the debt on my credit witch is not right

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 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/23, I took my settlement check to the branch in which I was told that {$220.00} would be available today and the remainder would be available XX/XX/23. Today ( XX/XX/23 ), I checked my account to find that the amount that was supposed to be available was not there. I then checked my email to find that Bank of America emailed after my visit to the branch saying my deposit wouldn't be available until XX/XX/23. I have a receipt from the teller saying the funds would be available on the dates originally listed. I feel like I was lied to so that I could do business with their bank. While I understand that there would be some hold. It is unfair to extend it a full week and give no explanation as to why. It says holds are usually 5-7 days and this date they have given me is beyond that window.

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 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express Blue Cash Preferred Card provides misleading advertising and could put people into debt/financial distress for money they have thought they earned. 

Not providing verbal agreement wording : When requesting the wording in my verbal agreement to open and close the account, American Express would not supply this information. If I am entering a contract with them, how can they not provide me with a copy of the verbal agreements ' wording? 

When speaking with American Express, there is inconsistent naming practices. The Cash Back statement credit was referred to a number of different ways : welcome bonus, bonus, points, and awards. It is confusing and does their legalese really cover this agreement switching back and forth in wording and not being clear that the " cash back statement credit '' as referred to in the flyer will need to be paid back. 

Misleading information : American Express Blue Cash Preferred Card promotional flyer is quick to point out a " {$150.00} Cash Back '' but fails to equally bring attention to the fact that you need to keep your account open 12 months. After 12 months, American Express Blue Cash Preferred Card charges you an annual fee. If you do not keep the account open for the 12 months, they reverse the promotional credit and you will owe {$150.00} back to American Express. This is shady. Little did I know the {$150.00} bonus was a short-term loan to pay back and I assume I'm charged interest if I do not pay. 

The promotional flyer should state front and center " {$150.00} Cash Back with minimum 12 month Account ''. 

Unfair Business Practice : American Express provides the {$150.00} Cash Back after fulfilling ONLY some of the requirements : spending {$1000.00} in the first 6 months, but it doesn't not wait for the account to be open 12 months before providing the {$150.00} cash back statement credit. This is an unfair business practice and calculative in taking advantage of customers. 

In the end, it is an amount of money in the form of a statement credit that can be given prematurely having NOT fulfilled the requirements of earning it and then asked to be paid back. Sounds like a loan to me. 

The Blue Cash Preferred Card from American Express promotional flyer also has the fine print XXXX XXXX XXXX wording on the back : If you cancel or downgrade your account within the 12 months after acquiring it ... .we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from your account. Why is it not we will either? 

I have tried to resolve directly with American Express, but not only did they not provide me with wording of the opening and closing of the account that I verbally agreed to, they are requiring me to pay back the statement credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My idenity was exposed an released by experian an i dont know what to do an XXXX XXXX is a complete joke i dont know why i have hard inquiries non of that im not applyomg for anything this is experians fault an the ecknowlefged that as well dates are researchable

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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mortgage company, PHH Mortgage, failed to pay my property taxes in XXXX even though my escrow balance had the funds to cover it. I did not learn of this until XXXX when I was filing my taxes. I tried contact them many, many times to remedy, and ended up paying the property myself, including late fees. Every time I contacted I kept being told that it was being contracted through a third party and I needed to be patient. I was never informed anywhere along the way of this status, or if my mortgage company needed anything from me. 
PHH is now refusing to reimburse me for the late fees. I've since closed my escrow account with them so I never have to go through this stress again. That is thousands of dollars of my money that PHH held onto for months.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I Call Transunion about 10 times a day to update my XXXX XXXX  to reflect on my accts XXXX XXXX and XXXX XXXXXXXX XXXX they refuse but they did add XXXX to a XXXX XXXX but im not in a XXXX XXXX i ask to speak to supervisor, Special handling no one will help

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: World Acceptance Corporation
State: MO

Complaint narrative:
I Call XXXX about 10 times a day to update my XXXX XXXX to reflect on my accts XXXX XXXX and World finance Company they refuse but they did add XXXX to a XXXX XXXX  but im not in a XXXX XXXX  i ask to speak to supervisor, Special handling no one will help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: Affirm Holdings, Inc
State: TN

Complaint narrative:
Affirm is reporting to XX/XX/XXXX as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from XXXX today XX/XX/XXXX that as of today affirm is showing an amount of {$150.00} which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was scammed through XXXX. Somebody else deposited 2 checks of XXXX dolars into my bank account for a product that I was selling. I have evidence of the checks, the checks were credited into my account for a total of {$4800.00} and I have a copy of the CHASE receipt the checks were deposited in the bank through a cashier based on what you can see in the receipt. The TOTAL amount of the money was credited on the same day the checks were deposited which was XX/XX/XXXX. The person then asked me to zelle him back {$1400.00} because apparently they had mistakenly sent extra money to me. We made a deal of the product 's cost of {$6000.00}. ( it was a jewelry necklace that's why they only sent part of the money to start its fabrication ). I did the transaction through XXXX through 2 bank accounts ( my husband and mine*as the daily limit for new transactions was only {$500.00} ). and 3 days later XX/XX/XXXX ( the bank did not notify me, only I found out when I was checking my transactions ) and found out that the checks were rejected. I called the bank JP MORGAN chase and they said there is nothing that can be done as I was the person that initiate the transaction even though they accredited the check completely on the first place. The bank did not open a case I went to the police station to file a report they are asking me for a bank 's letter staying that they rejected the two checks because they were fake however the chase representative said they do not write those letters and they can't help me. I need some help and guidance in this process. Thank you so much

Company response to consumer: Closed with explanation