vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jim Bottin Enterprises, Inc
State: VA

Complaint narrative:
- End of XX/XX/2023 I called XXXX XXXX XXXXXXXX in XXXX, Virginia and requested to cancel my membership. I was told it's done and all is good. Money was still going out of my bank account to pay for membership, so I emailed several times and asked for membership to be canceled. I received an automated reply saying " sorry but we can not locate your account ''. I assumed that my membership was canceled at that point. 
- In XXXX I started receiving multiple phone calls from ABC Fitness Solutions, a XXXX number, saying that they lost my billing information due to a billing error from their end. I simply didn't answer those calls because I thought they were scam calls. 
- Today I received a phone call from a collection agency, a Law Office, asking me to pay a balance of XXXX dollars, and if I don't pay the collection agency will send it to the credit bureau. 

- I have not used the gym since XXXX. The membership status on the Gym application is canceled. They charged me XXXX dollars for XXXX and another XXXX for XXXX. When I questioned them about the XXXX dollars, and what it is for, they said it's money due and they can not answer which part of the contract it's covering. The membership is XXXX and the one-time annual fee is XXXX which I was charged back in XXXX. 

I refuse to pay this amount because I requested to cancel my membership, and the person who answered the phone said it's been canceled. I emailed them to cancel and they said they couldn't locate my account, and now they're saying you can not cancel unless you physically come into the gym and write a handwritten letter asking for cancelation. Meanwhile, my account says " canceled membership '' on the application. 

Notice the screenshots attached. They mistakingly charged me an extra XXXX dollars, and they refunded the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. 

I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX XXXX - XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reached out to Equifax, XXXX, XXXX, CSC Credit Services, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/2023, about the spelling of my name. My name is XXXX XXXX XXXX. I told them to delete any other name that is not mines and they have not. Also address XXXX XXXX XXXX XXXX XXXX Tx XXXX is a non-mailable address and should be removed from all of the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Bank of America is not complying with the Fair Credit Billing Act in terms of representing its customers who file chargebacks based on billing errors, dissatisfactory services, and misrepresented products on their Bank of America credit cards. I have multiple examples to prove this. Bank of America does not take chargeback claims seriously in comparison to other major card issuers. Bank of America uses many tactics to offset its lawful responsibility to handle chargebacks seriously. A few of these tactics are to not acknowledging documentation they receive from their consumers ( I.e they ask for supporting evidence, and then never acknowledge receiving the evidence ) or putting undue onerous on the consumer to provide documentation when they have reasonable means to capture this information on their own from a merchant ( i.e, double charged in a restaurant, lost the receipt, and they would not pursue the claim ). 

Bank of America is likely doing this to reduce its internal expenses in administering the chargeback process on behalf of its customers.

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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: LA

Complaint narrative:
Ive been trying to resolve the credit reporting issues youll see in the attachment attached for many months. Ive got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I let the company know that Im the registered owner of the securities and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Kovo
State: MI

Complaint narrative:
The creditor has violated my rights under 15 usc 1681 section 6 ( o ) states I have the right to privacy.15 usc 1681 section 604 a section 2 it also state 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 account under an open end consumer credit plan as late for any purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OR

Complaint narrative:
My wife connected our huntington account located in Ohio to our XXXX account located in XXXX  where we live. They accepted this connection but when we transferred money across later that day they rejected and suspended the account. 

When called and asked why they would approve the connection and then reject the connection they only said that they had to. 

How are they allowed to determine whether or not the account is ours or not? Why would they be allowed to reject a bank transfer? Why must we ask permission to access our own money? 

Please help us access our own money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I got scam online with fake crypto trading. I use Kraken and XXXX to wire money from XXXX XXXX  to buy XXXX and transfer to XXXX wallet app and finally to the fake trading platform. I wired money 4 times with Kraken dated XX/XX/XXXX  {$99000.00}, XX/XX/XXXX  {$98000.00}, XX/XX/XXXX  {$60000.00} and XX/XX/XXXX  {$99000.00}. The last transfer were hold and reverse back to XXXX XXXX. This is the email from their support. 

XXXX ( Kraken Support ) XX/XX/, XXXX PST Hello XXXX, Thank you for your patience. 

Unfortunately, we must inform you that we will be closing your Kraken account. For security purposes, we can not disclose the reason for this action. Your deposit is being returned to your sending bank, please double check your bank statement for confirmation of the return. 

Please also complete the following actions within the next 72 hours ( from the time and date of this message ) : Convert your XXXX  to cash. 
Withdraw your remaining balance to the bank account you previously used to fund your account ending in XXXX. 
Export all your trade and ledger history as we will be unable to provide it to you later.

Deposit services have already been disabled for your account. After the 72 hours have passed, your account will be closed. 

Kindly note that you can not open another Kraken account. We may reach out to you if we require additional documentation. 

We appreciate your understanding. 

Because of that I rewire the money again this time to XXXX dated XX/XX/2023 {$99000.00} and send again fund to the fake trading platform. 

I believe Kraken already know that I'm a victim of ongoing scam and they decide not to protect me as their customer by closing my account and not disclosing the scam that presently ongoing. 

I don't have information on my account anymore only the request # 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 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a {$130000.00} wire transfer to my Bank of America account from XXXX XXXXk, XXXX bank is claiming that their client did not send the funds. Now theyve put my entire business on hold for ( 90 days ) I had to pay my supplier with other funds as well as my employees.

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 2024-01-09 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I let the company know that Im the registered XXXX XXXX XXXX XXXX  and that a charge off is a Certificate of indebtness/ and is income. Income can not be reported on the consumer report and needs to be removed.

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 2024-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I contacted National Credit Systems due to a credit alert in my XXXX XXXX XXXX. They claim to have sent me information to dispute the account. I did not receive anything and could not contact the person handling my file until I had cleared things out with XXXX. Now they are impacting my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: NJ

Complaint narrative:
While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank has continuously failed to provide me with the necessary documentation and verification as a response for why they believe the balance and fees are accurate. This has gone on for several months. 

It can't be accurate if they failed to process multiple full refunds. I attached one example of this as an attachment. I was advised to open this case again over the phone today.

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 2024-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC
State: IN

Complaint narrative:
I believe the case started 20+ years ago. My original debt was with XXXX XXXX Credit Card. At the time I had a {$300.00} limit and lived in Illinois. I would like to stop the garnishment of my wages as I am barely able to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CO

Complaint narrative:
I applied for the SAVE Plan and received a letter that I was approved and that my new monthly payment amount was {$0.00} for 12 months from my loan servicer, EdFinancial, on XX/XX/XXXX ( see attached ). However, on XX/XX/XXXX, I called EdFinancial about another, unrelated issue and was informed that they considered my monthly payment amount to be {$130.00}. I looked at my account history since the start-date of the SAVE Plan ( XX/XX/XXXX ) and noticed that EdFinancial had been charging interest as if my monthly payment amount were {$130.00}, not {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
I have contacted Transunion as well as XXXX on multiple occasions regarding Hard inquires that I was unaware of on my consumer report throughout 2023 when I started to assess my reports due to starting the homebuying process in XX/XX/2023. Transunion and XXXX refused to remove these inquires after being told they were unauthorized and that the companies furnishing this information is not able to give me any deletion letter to provide to the bureaus due to me not having an active account. These companies informed me to reach out to the bureaus to dispute with them directly. Over and over Transunion and XXXX have directed me back to the companies even after me providing the information I was given. I was then informed by Transunion XXXX XXXX XXXX who provided me with a file # XXXX as well as XXXX XXXX in XXXX XXXX and XXXX that I had to file a complaint in order to have the inquires removed. Creditors can not lawfully pull your credit report without your written permission until you indicate a desire to get a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: CA

Complaint narrative:
These inquiries are fraudulent : 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 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I did an application for mortgage assistance, that started in XXXX of XXXX I called and talked to someone in XXXX to see where we were at. I was told that my application was not complete. I asked what they needed and was told that on the borrower income I did not complete that form. I said I did not have any other income but our social security. She said I still needed to put XXXX in all the other aeras of income. So I printed that form and fax it in to them that day. I did not here from them so I called in a couple days and this lady told me I needed to complete another application and make sure I completed and mail in or fax to them. I printed another copy and finish it and I took it to a office depot and had it faxed to them. I went there because I would have a receipt that they got it. I waited for about XXXX days and called them and at first the employee told me my application was not complete. I told her that I had had faxed it and had receipt that they have it. In a few minutes she found it and told me it would take about 30 days to complete and they would let me know then. In XXXX my husband became very ill and we spend a lot of time in hospital and doctor offices. In XXXX he had XXXX XXXX to save his life. We also had our hot water heater go out and our fridge went out. With being on fixed income it is hard. I summited everything in writing of what we went through and even gave them copies of my husband medical records. As I have set and look over the non approval notice, they did not approve me and my husband because of a credit score. Yes my credit score has taken a hit, when you do not make your house payments it will tank your credit score. I have been in my home for 23 years and I am XXXX XXXX XXXX. Have I always had perfect credit no but what we have been through and I summited everything to them I feel like we were not treated fairly. If you can help I thank you and if you can't I understand. I am trying to hold on to our home. Thank You I fog to say in XXXX that would not accept a payment from us it had to be all or nothing. Our payment are XXXX per month and in XXXX they had added a lawyer fee to us.

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 2024-01-09 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: Experian Information Solutions Inc.
State: FL

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. XXXX XXXX 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 an 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 2024-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I keep receiving text messages and phone calls from a number that I googled and it states it belongs to a company called Wakefield and associates. The phone number is XXXX. Apparently this company is a debt collector, but I have not received anything in the mail from them in the form of a debt validation letter or anything in writing stating that theres a debt I owe to them. They leave voicemails when they call, but their voicemails are only a electronic recording, and never say anything about the reason for calling. I am afraid to reach out to them because Im afraid it might be a scam because I have nothing in writing stating I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion is reporting inaccraute information on my credit report regarding 2 accounts. Both of these accounts are involved as lawsuits so, " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists. '' Transunion continues to violate my rights as I have disputed this various times and I am now being blocked from doing do. They are reporting inaccurate amounts as dates as these 2 account are currently in litigation within the Louisiana court system. 

XXXX XXXX # XXXX ; account in litigation, DELETE NOW XXXX XXXX # XXXX ; account in litigation, DELETE NOW

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