vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
They hold my check every month for at least 5 days for the last 3 months. I know the money is in the account from the check in question. There is no reason to hold the amount. It is written from the same account and the same amount as it is child support. My ex husband can prove amount is in there. There is no reason to hold this amount. I've been depositing the same check for 3 years now It's ridiculous.

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 2023-10-03 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TN

Complaint narrative:
I have no idea who these accounts belong to. I have sent letters to dispute but all I keep getting is stall letters or the credit bureaus not properly investigating. 

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 2023-10-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a payment for my XXXX XXXX card using an ACH using my robinhood checking/brokerage account. 

On XX/XX/XXXX, the payment posted in robinhood as a ACH XXXX XXXX XXXXXXXX XXXX. 

Robinhood declined the transaction ( even though I had enough money to cover the payment ) and FROZE my account. 

The payment in robinhood now says : State Failed Account Frozen The transfer could not be completed because your account is currently restricted, frozen, or temporarily closed.

I need to pay my bills and pay my rent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/, I received a notification that I had made a XXXX payment to a person named XXXX. I did not make any such transaction. So, immediately, when I received this notification on my phone, I called Chase and reported fraud. Chase told me to file a claim so I did. On XX/XX/XXXX Chase returned the {$1200.00} to our bank account. They reversed the XXXX. Then on XX/XX/XXXX they took the {$1200.00} away from us. We called about this and they told us that the claim had been denied. They made a mistake and refunded our money- so they had to take it away. In the meantime, this led to our account being overdrawn and overdraft charges being incurred. They told us that the reason why the claim was denied was because it was a XXXX payment, and there was no proof that this was fraud- but we had called immediately to say that it was a fraud situation. They said there was no proof that anyone had access to our account. My wife, XXXX, told CHASE that she had her XXXX XXXX taken on an airplane over the summer. Also my phone was stolen about 10 years ago ( we had the same bank info ). They told us that they would resubmit the claim, and this time it should go through, but it was denied once again. Not only did we have {$1200.00} stolen, but everyone that we spoke to at Chase kept us on the phone for a very long time ( hours at some point ), and was unable to help us. It felt like we were being treated poorly because we were XXXX XXXX XXXXXXXX. So not only did we have a fraud situation, but then we had overdraft charges because Chase refunded the money and then took it away again. Im afraid that this affected our credit as well. We would like the {$1200.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi XXXX XXXX XXXX : XXXX. 

This is XXXX XXXX and I opened a Citi Checking and Savings Account on XXXX of XXXX tried adding Funds on XXXX of XXXX Via XXXX {$5000.00} and {$25.00} ACH total {$5000.00} as my balance was {$0.00} so i can start using my account. 

And on the same day I initiated a credit card payment from XXXX credit card on the XXXX of XXXX and later on that day i could not access my online account. 

So I called Citi Bank to inquire and I was told that Citi is closing my account with no further explanation given. 

This has resulted in a return check for my credit card payment and resulted in a negative impression.

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 2023-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I applied for a XXXX credit card when I made a purchase for about {$210.00}. Comenity Bank called me repeatedly on different numbers and using " private numbers '' multiple times a day starting on XX/XX/XXXX ( that I'm aware of ). On XX/XX/XXXX, I received one call from XXXX ; one call from XXXX, and twice using a " Private number '' for a total of 4 times on one day. On XX/XX/XXXX, I was called three times using a private number and one time using XXXX. During one call from a private number, I told them to stop calling me after they identified themselves as Comenity Bank. On XX/XX/XXXX, I was called one time using XXXX and two times using a Private Number, one time using XXXX, and two times using XXXX. On XX/XX/XXXX I received three calls from that last number, and today I received two calls from a private number and one call from XXXX. I repeated my request to stop calling me. I felt unduly harassed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Certegy Holdings, LLC
State: MN

Complaint narrative:
We issued a check in the amount of {$80.00} to pay for gas at a local gas station that uses a service provided by Certegy to verify the validity of checks. The check was refused by Certegy and we were given a code number ( 2 ) and phone number ( XXXX ) to call to get information as to the reason why. When we called the number supplied, the customer service rep could not explain why the check was denied, only stating that there were three reasons but that they could not give us any information on those reasons. I requested a review of the denial and correction of any incorrect information that may have led to the denial, but the customer service rep stated that there could not be any review or correction once an account was denied, and that there was no way to file an appeal. I went to Certegy 's website and could not find any information as to how to review a denial or correct incorrect information that may have led to the denial. We have had this checking account for over 50 years and have NEVER issued a bad a check. Our bank is able to confirm that there are adequate funds in our account to cover the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not Authorize or benefit From the accounts shown on my credit report please delete and restore my credit to reflect XXXX credit score thank you if not I would like to see all written agreements for each account and how the process was verified with each outlined account shown backed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: MOHELA
State: WA

Complaint narrative:
On XX/XX/XXXX I submitted an IBR application thru FSA in order to have my REPAYE plan updated to the SAVE plan. According to FSA, my new monthly total was to be XXXX. On Mohela 's website on my account, the IBR was approved on XX/XX/XXXX. This reflected accurately on my account for a few weeks. I received a confirmation correspondence from Mohela dated XX/XX/XXXX confirming New Monthly Payment Amount of XXXX. One day, randomly, my account total changed to {$610.00}. I made 3 calls and sent multiple written correspondences to Mohela to change this total back to the approved amount of XXXX. I have yet to receive any return communication about this. On XX/XX/XXXX I reached out again regarding the payment amount. Call to Mohela and initially I spoke with XXXX (? ) who states on the phone that the monthly payment on their end is reflected as XXXX. I was then transferred to XXXX, an advance payment specialist. She reports to me that a new letter from Mohela was generated with a total of XXXX and sends a copy of this to my documents on my account. This letter was sent on XX/XX/XXXX at XXXX. THIS IS THE FIRST TIME I HAVE RECEIVED/SEEN THIS DOCUMENT. The letter was dated XX/XX/XXXX. I asked XXXX where this total is coming from and she reports that it is most likely due to my income tax. I reported to her that I have only filled out ONE IBR application and was approved for XXXX. We went through the self attestation questions again and sure enough, I was projected to pay XXXX per month. I am assuming the difference in XXXX to XXXX was because I guesstimated my annual income whereas the application with FSA pulled directly from my tax return. XXXX placed me on hold and verbally confirmed that the XXXX is a SYSTEM ERROR and has resubmitted to have my total return to XXXX. XXXX states that I need to wait 7-10 business days for this to reflect to my account. On XX/XX/XXXX I resubmitted the IDR directly through Mohela 's Repayment Calculator Repayment Plan Evaluator. On page 6 of 12 of this application documents, the payment is projected to be {$300.00} ( which is on par for what FSA approved me for ). I have since sent further communications to Mohela with not a single return communication to date. 
I have 13 months left of my PSLF and I want to start paying this down immediately. I want my payment through the SAVE plan to be accurately reflected on my account through Mohela. I have filed complaints with FSA, the FSA ombudsman, the WA State Attorney General 's office, PPSL, and FTC. 

**note- dates on attached document are incorrect. I applied for IDR on XX/XX/XXXX and approved XX/XX/XXXX ( not XX/XX/XXXX and XX/XX/XXXX. I wrote the wrong dates on my attached documents )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: OK

Complaint narrative:
RE : Dispute of Inaccurate Information on Credit Report Dear TRANSUNION, I am writing to inform you that after multiple attempts to dispute inaccurate information on my credit report, you have failed to comply with the law.

I have already disputed this information with you through the CFPB, multiple times. However, you have failed to remove the inaccurate information.

This is a violation of the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i - Procedure in case of disputed accuracy which requires credit bureaus to remove inaccurate information from credit reports.

Notice of Dispute violation via Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. 

The FCRA also gives me the right to sue you if you fail to comply with the law. 
I am requesting that you delete the following accounts attached to this complaint from my credit report within 15 days : If you fail to delete these accounts within 15 days, I will be forced to take legal action.

Enclosures : Copy of credit report with disputed items circled Documentation supporting your dispute

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 2023-10-03 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: NJ

Complaint narrative:
As I was going over my credit report I have noticed that there are a few accounts that I do not RECOGNIZE

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 2023-10-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I disputed items inaccurate on my credit report. This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03 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: NJ

Complaint narrative:
I am writing to dispute the presence of an unauthorized hard inquiry on my credit report, as listed in the report I received from your agency. I have identified some inquiries that were made without my consent or knowledge and most of them were deleted already. 

To assist you in your investigation, here is the inquiry that I am referring to : -- EXPERIAN -- 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 2023-10-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-10-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the FCRA, this creditor has violated my rights. Under 15USC 1681 Section 602 states I have the right to privacy. 15USC 1681 Section 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 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 non-monetary relief
Consumer complaint received 2023-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
At first my account went negative and I asked Citibank why am I negative they said franchise tax board put a lien and took the money. I called franchise and they said it was not them. After so much back and forth with the fraud company it ended up being a forced transaction from XXXXXXXX XXXX car. My car was a total loss my insurance company paid XXXX XXXX car for me. A month later Citibank charged my account and left me in the negative. I filed a claim it was denied so my account has been negative since. I am XXXX XXXX XXXX and was on XXXX and was not getting any money and explained that to them. I got a call, email said I have to bring the account current before 15 days before it is closed. I paid brought the account negative within the 15 days and they said they cant stop the account closure. For one they are my bank they should support me and I faxed an appeal and the receipt form XXXX that they paid my rental for XXXX and I didnt get a response from Citibank . I went to branch and manager XXXX said she cant help me to keep my account open that it is up to back office. Why did they send me a letter to pay to bring current to prevent closure but now that it is current there is nothing they can do.

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