vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hello, I am making a new claim because my accounts are all closed, that is fine, the problem is that they did not send me the total money that I had in my accounts. they sent me checks with minimum amounts it does not match what I have in the merril bank, and I called and went in person to a branch but they told me that the money was sent where it was taken out to send to merril, but I called the bank to investigate If you have received a deposit and the bank 's response is that the account is closed, and we do not have a deposit and also this account is no longer eligible to receive deposits since it is closed, please verify my account well, collect all my money and send a paper check to the address that appears in my bank profile, as soon as possible and waited too long I demand to receive the best attention to this case thank you very much

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Acct # XXXX reporting incorrect 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 non-monetary relief
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Acct # XXXX reporting incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: EQUIFAX, INC.
State: CT

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 Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: CT

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 Account # XXXX Account # XXXX Has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604A Section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 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 the 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 2022-10-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/11 I turned my account over to a credit counseling agency in an attempt to avoid XXXX XXXX XXXX The company agreed to reduce my interest rate under the agreement and to not charge late fees while I was under the program. 
Neither has happened and they say I can not participate in a debt management program until I get my account caught up from the arrears. 
What a company. They have charged me {$120.00} in late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
I don't have any outstanding issues as of now. I am making this complaint in public interest. My complaint is that it is super hard to contact Mohela to get information. One has to wait for around XXXX hours on the phone to get in touch with someone at Mohela. 

After trying to get in touch with Mohela over many days in vain, i took one day off from work specifically to call them. I contacted Mohela, my student loan service provider via phone for information on student loan on XX/XX/2022. I called on their number XXXX. I was put on hold for XXXX hours and XXXX minutes. 

While I was able to get in touch with customer service at Mohela on XX/XX/XXXX after the XXXX hour wait, I had to forgo my income for that day. I am sure that many people are struggling with the same issue. When i asked the customer service person why there is such a long wait, i was told that it is due to the high call volume. In contrast calls i made to XXXX XXXX XXXX ( my first provider before loans got transferred to Mohela ) where answered in less than 10 minutes. I am sure than such a long wait time for Mohela is to dissuade people form contacting them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc.
State: TX

Complaint narrative:
In XX/XX/2021 I received an email from XXXX XXXX stating that I owe them {$510.00}. As you can see in the email I responded with " What is this? Cancel please I didnt sign up '' I just now received another email from a debt collector " Rauch Milliken International '' saying I owe XXXX XXXX {$2100.00}. XXXX XXXX is committing fraud, I never even saw the advertisement that was posted with them. I need your assistance investigating this matter. How is it that they keep trying to bill me without my consent? I need these fees waved and all debt collectors to stop contacting me for debt I do not owe. The debt collector 's information can be found here : www.rauchmilliken.com As also stated in the email, the debt collector agreed that I tried to stop the charges but then states that she could only waive {$310.00} XXXX XXXX and rauch milliken are committing fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I arranged for a transfer of funds from Marcus ( Goldman Sachs ) to a XXXX account. I linked my account at XXXX by providing them with my login details and initiated the transfer. Marcus put a hold on the funds and did not call my cell phone ( despite indicating that they did ) due to 'potential fraud activity '. When I called Marcus to indicate that it was an actual transfer from me, they had returned the funds to themselves. Upon verification of my identity they did not seek to reinstate the transfer, which has resulted in lost interest revenue on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX 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 explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I deposited 4 checks for {$7500.00} each from my personal XXXX XXXX account to my personal Chase account in an attempt to move all of my money over to Chase. Chase then disallowed me from using my entire account and sent me a letter threatening to close my accounts if I didn't call them to give information that they never requested. I called and customer service said they needed to call XXXX XXXX to confirm the deposits. They added XXXX to the call and confirmed that all checks cleared, but they STILL held the funds on one of the checks for no reason and refused to unlock my account. They said I had to go to the bank to close it in person. I went to the bank and they called the fraud department, who said they needed to call XXXX and confirm that my account exists. They did that, but then still refused to release the funds so that I could close it out. They finally released the funds at the last minute, but said they couldn't close it out because their system is old and the restriction would take yet ANOTHER day to release the hold so that I could close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report 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 2022-10-13 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: PA

Complaint narrative:
I have attempted to reach out to Mohela regarding receiving a refund of {$15000.00} of previously made payments ( after XX/XX/XXXX ) so that my current loan balance becomes {$20000.00} ( I currently owe {$4500.00} ). 

I have requested a refund over a month ago and have not heard anything back, have not received a refund or had my loan balance reinstated, and I have no timeline on when this will happen. 

I have tried calling Mohela for an updated timeline many times, and each time I can not get ahold of a service representative. 

I need {$15000.00} refunded back to me ASAP so that I can get {$20000.00} forgiven when the form becomes available. If it takes much longer, I may be subject to interest payment when the pause ends on XX/XX/XXXX. 

This service is UNNACEPTABLE from Mohela. They refuse to give a timeline on when I will receive my money back, and I have been waiting well over a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
I was a co borrower with my ex wife on a XXXX XXXX account account once we broke up she up she took the furniture and said she will take responsibility of the account I wrote in called in called and did everything in my power to notify XXXX XXXX that I want it to be removed off the account once she stopped paying the account they refuse to remove me Now the account is in collections on my Credit report I called into XXXX XXXX to settle the debt because I am trying to purchase a home and they told me her account Was referred to a collection agency named nationwide collection agency inc I called them and they told they told me my name is not on the account and they can not speak to me about the account and I continue to get the run around from XXXX XXXX and nationwide inc And XXXX XXXX told me that I need to find where my ex wife is and contact her so we coukd settle the account which I wouldn't even know how to begin to do that since we have not spoken and over 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Multiple calls a day received from a man that was rude and made threats. These calls started in 2019. Collecting interest on a debt that was not fairly communicated. I have paid the debt in full through the hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX formerly known as XXXX and XXXX XXXX committed fraud by submitting false documents and affidavits to The XXXX XXXX XXXX XXXX XXXX. The firm used the false documents created by themselves to obtain a final judgement against me. They even submitted false documents in the XXXX XXXX XXXX XXXX. A fake assignment of Mortgage was created to falsely establish standing in court. This law firm has been accused and found guilty of the same actions in the past. As a result, the firm was forced to report to the disciplinary Board of Pennsylvania. The firm later changed their name to XXXX. I do not understand how our government can allow this firm to foreclose on any Government back loan. I have attached all documents to support my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXXennyMac Loan Services pre-approved me for a fixed-rate 30-year conventional loan for $ XXXX.On XX/XX/XXXX, the Sellers accepted my offer of $ XXXX to purchase their single-family home listed for {$590000.00}, which was built in XXXX. 

The Home Inspection was performed on XX/XX/XXXX, and the Home Appraisal was completed on or about XX/XX/XXXX. The Closing Date is XX/XX/XXXX. 

The issue I'm encountering is with the completed home appraisal. According to my lender, the appraisal management company, XXXX, is not releasing the appraisal stating they are pending revision from the appraiser and are not giving my lender any additional information or reason. This has been ongoing since XX/XX/XXXX. According to the lender, XXXX continually states the same reason, an incomplete appraisal. My agent assures me that he has never encountered a home appraisal taking this long to be submitted. 

It is now three weeks post-appraisal, and I am getting anxious that I may not be able to close on time and potentially lose the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My wallet was stolen in XXXX on XXXX XXXX, XXXX XXXX, XXXX. I stopped for XXXX XXXX vendor selling chai. Within a half an hour I discovered my wallet missing and found many texts indicating many attempts at charging were made on several credit cards, including XXXX XXXX, XXXX XXXX, XXXX XXXX and my XXXX card. It appears that every card in my wallet had an attempted charge. Several attempts were for a purchase at XXXX XXXX XXXX for {$1900.00}. Another charge at XXXX 's was attempted on my XXXX XXXX debit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
Credence Resource Management is reporting a fraudulent account on my credit.

The original creditor is XXXX and the account is a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: IL

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 Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : Original Creditor # XXXX Account name : 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.

15 U.S. Code 1666 - Correction of billing errors A creditor may not treat a payment on a credit card account under an open end consumer card 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 non-monetary relief
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
Hello, On XX/XX/XXXX, I requested a refund of all loan payments that I made from XX/XX/XXXX to XX/XX/XXXX. Unfortunately I only received a refund for the XXXX payments that I made. A month ago, I requested the refund of XXXX $ payments that I made during XXXX that the company missed to refund me with the XXXX payments. I have been waiting for a month now to get my refund. Please help. Thanks

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