vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cedars Business Services, LLC
State: GA

Complaint narrative:
To whom it may concern, I have reached out to this company, Cedar Financial or Cedar Business, several times to remove this debt from my credit report. A balance is still showing in a collections status. I made a payment to XXXX XXXX in the amount of {$3500.00} on XX/XX/XXXX. Please see attachments below. For some reason this company is still attempting to collect this payment that has already been made to my institution. 

In the beginning of XXXX, I began my XXXX XXXX  at XXXXXXXX University. I was heavily affected by the pandemic, and due to some health complications I was not able to continue with my courses at XXXX. 

My university sent me an email notifying me of an unpaid balance of {$3500.00}. They also stated the account should be paid by XX/XX/XXXX. As you can see, I made the payment and received a receipt from the finance department. I assumed that everything was resolved from there. 

A few months ago, I received a notification from my credit monitoring service of a collections account from Cedar Financial. Upon further research, I realized the debt is in connections with a balance due from XXXX University. Again, with no avail I have reached out to Cedar Financial several times. I have also requested the credit bureaus to validate this debt and remove it from credit report. I have yet to receive any documentation regarding this account. I even reached out to my bank to provide bank statements from last year to ensure the payment went through successfully. I have my bank statement from XX/XX/XXXX available if you need to see it. It also shows that payment made to XXXX University. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, is violating 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. 
Not only is this completely unfair and unjust, again this is in direction violation of the laws that protect me as a consumer. I am requesting that this account be deleted from my credit report immediately. 
I understand there was some sort of mistake made ; I am simply requesting this account to be removed from my credit report. Please help me resolve this urgent matter. 

Thank you kindly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My information was misused and Transunion hasn't been reporting 100 % correctly dealing with reporting dates and not having the correct name on the accounts that i need 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 non-monetary relief
Consumer complaint received 2022-09-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
US BANK Issue Account not closed and available balance not mailed to me On XX/XX/2022 spoke to a supervisor XXXX. I instructed XXXX to close my account and send the available balance to my address. On XX/XX/XXXX, I called the bank and discovered the account was not closed and the available balance was not sent. The customer service person I spoke to informed me that the account was not closed and there was no check mailed to 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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank stated that I owe them the amount of {$470.00} on the date of XXXX XXXX. I would like to get this disputed due to the fact I told Citizens Bank that I was scammed and Citizens Bank referred me to a Top Tier Worker and they said give them time for investigation. The problem still was not resolved and it's going on a Year. I go to another bank which is XXXX XXXX XXXX XXXX I go to open a business account and the XXXX XXXX stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a credit Union I go to open a business account and the credit union stated that I can not get a business account due XXXX XXXX XXXX XXXX. 
The Address is ( XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ) which is a third-party company that have my information without my consent. Also giving out false information. That {$470.00} was not me. 
I was scammed I would like this disputed. I would like the amount of {$470.00} to get exonerated immediately before I get law involved. 

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
Fraudulent Hard Inquires not authorized by me : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX via XXXX XXXX XX/XX/22 XXXX. XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22 XXXX. XXXX XXXX XX/XX/22

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 2022-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently looked at my credit profile & stumbled upon the fact that I have multiple errors on my credit report & I submitted my letters to the bureaus and have yet to receive an response. I have not had any errors corrected & my name and addresses are still completely wrong.

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 2022-09-02 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: VA

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made an online international wire transfer from Chase Bank to an account of XXXX at XXXXXXXX XXXX in the Philippines in the amount of {$92000.00} at an exchange rate of XXXX which should have been converted to {>= $1,000,000}, however, the transfer was rejected. I then received a phone call from XXXX on the XXXX around XXXX telling me that I needed to resubmit the transfer online because it had been rejected. I then resubmitted the transfer for a second time but that was also rejected. The representative stayed on the line while I resubmitted the transfer for a XXXX time which then was completed successfully. I asked him at what rate the transfer would be received, and he told me it would be received at the rate at the time of the completed transfer, which was at XXXX on the XXXX. XXXX called me on the XXXX to say they had not received the transfer and wanted proof that I had sent it on time. 
Then on the XXXX, they called me again to say that the amount received by XXXXXXXX XXXX was actually XXXX. XXXX and XXXX Bank also claims that they didn't receive the transfer until the XXXX and is requesting that I pay the difference of XXXX or they will impose penalties on the balance. I went to Chase Bank ( XX/XX/XXXX ) in XXXX XXXX XXXX Fl, and spoke to XXXX. I asked her to explain why the funds were debited from my account on the XXXX and not sent to XXXXXXXX XXXX until the XXXX. I also asked where the funds had gone to since it was debited from my account on the XXXX, and I also asked at what rate was the funds sent. She replied that she did not have any information about this, but she will email the department responsible ( since there was no way to contact them by phone ) and would give me an update. The following Tuesday ( XX/XX/XXXX ), since I did not hear from XXXX, I decided to visit the bank again, where I spoke to someone else who said she would call XXXX, ( since it was her day off ) and follow up with me. She called me to say that the wire transfer department had not responded as of yet, but she will keep me posted when they do. I didn't hear anything more from the bank, so the following Tuesday, ( XX/XX/XXXX ) I went back to the branch and left there with no answers again, and this time a banker said she would follow up with the previously sent email and call me. This was never done. I did receive a call from customer service after that visit, where the person said that she would follow up on the emails and escalate the claim. Since then, haven't heard anything else. Today, XX/XX/XXXX, I called customer service to see if anyone there could give me some answers, but I left there even more confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an authorized user on the account for over 15 years and I did my and you checking account from XXXX XXXX XXXXXXXX. I process the payment in full just like American Express money and it said it with the account on hold for seven days and stopped all my charging privileges suspended my account. Ive already filled out the verification for multiple times and provided and support regarding this. I spoke with both XXXX and XXXX who were Extremely rude and XXXX use the wrong pronouns to describe me it was extremely upsetting! I went ahead and XXXX processor verification form and they continue to like the entire process, this has been genuinely upsetting. If American Express does not want to get paid them please let me know and I will no longer process any payments and do business with you again. Also because I promised a payment in full you guys ended up taking the money out of my checking account and refused to process it towards my spending power, if you guys dont want to get paid then please just refund me my money instead thank you. XXXX was also very condescending

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 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: Radius Global Solutions LLC
State: DE

Complaint narrative:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX  C Balance was reported as XXXX starting on XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX starting on XXXX XXXX XXXX  XXXX Balance was reported as XXXX on XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXX RADIUS GLOBAL SOLUTION balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX C Balance was reported as XXXX on XXXX XXXX XXXXXXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance was XXXX as of XXXX XXXX XXXX Balance XXXX as of XXXX RADIUS GLOBAL SOLUTION Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX Balance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: International Computer Systems, Inc.
State: DE

Complaint narrative:
XXXX XXXX XXXX - Balance reported as XXXX starting on XXXX was the collection XXXX XXXX XXXX Balance reported as XXXX starting on XXXX was in collection XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX starting on XXXXXXXX XXXX XXXX XXXXXXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX on XXXX ACCOUNT NAME UNKNOWN Balance was XXXX as of XXXXXXXX XXXX XXXX Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was XXXX as of XXXXXXXX XXXX XXXX Balance was XXXX as of XXXXXXXX XXXX XXXX  Balance XXXX as of XXXXXXXX XXXX XXXX XXXX Balance was reported as XXXX as of XXXXXXXX XXXX XXXX  Balance was reported as XXXX as of XXXX XXXX XXXX XXXXalance was reported as XXXX as of XXXX All of these accounts are listed as MEDICAL accounts at a time in which I had health insurance and I was told that the premiums for each visit would be covered. This information on my report needs to be reviewed because I do not feel that I should be held reliable for these charges. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was called on XX/XX/2022, with a phone number that said " Bank of America ''. I was told that it was a bank representative and that someone was fraudulently using my checking account. I was instructed to transfer all of my money to " myself '' using a XXXX account. I was told that I needed to transfer all of my money immediately so that it could no longer be fraudulently used. I transferred the money because as I have stated, the caller ID said " Bank of America '' and the supposed " representative '' knew exactly how much money was available in my bank account. I transferred the money. I was told that the funds would be available in my bank account the next morning. The funds were not there. It was a total of {$2700.00}. I called my bank when the money did not show up and they stated that they did not call me. I filed a claim and then I received a letter about a month later stating that they are unable to replace the funds. The claim number is, 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 2022-09-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act US BKPT XXXX XXXXXXXX XXXX Reference # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX {$300.00} open XXXX, Closed, XXXX XXXX XXXX$970.00} # XXXX XXXXXXXX XXXX XXXX, closed, XXXX XXXX XXXX {$2500.00} collection XX/XX/2022, Department of Treasure {$220.00} 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

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 2022-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
Received credit card with my address, wrong name.. 
Did not apply for any card, received Chime card Did not apply for loans., was contacted by a loan co. 
Will not apply for any other cards or services I have no need for any accounts ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX I stayed at XXXX XXXXXXXX XXXX XXXX by XXXX, a XXXX XXXX. The room cost was paid to XXXX XXXX. The XXXX XXXX made an error on XX/XX/XXXX and processed a charge of {$94.00}, and the XXXX XXXX immediately realized the error and reversed the charge. We were there and know the refund was contemporaneously processed by the Hotel. The transaction was processed on a Capital One credit card. 
Capital One immediately posted a charge of {$94.00} and has refused to acknowledge that a reversal of the charge was contemporaneously sent. It has been 5-days and Capital One has refused to acknowledge the receipt of the reversal and the charge remains posted to my account. I called the XXXX XXXX and they cooperatively provided documents showing they immediately corrected the error. 
I called Capital One, first a representative located in the XXXX answered and their understanding of XXXX led me to request a US based representative. That representative was reading from a script saying that refunds are processed differently, and they have no control, and the refund document is not acknowledged to the extent it is posted even after five business days. 
I spoke to a supervisor, Senior Account SupervisoXXXX XXXX- she would provide no additional ID information. While the Hotel issued contemporaneously a refund, Capital One is immediately recognizing a charge but delaying the recognition of the refund. Capital One established the refund process and it is designed to benefit Capital One in the recognition of charges that were in error and immediately reversed. 
Charges and charge reversals should be subject to the same time frame that governs posting of charges. Instead, there is a delay which is to the benefit of Capital One. 
There needs to be a banking regulation to restrict this behavior and limit the bank to equal time of recognition of charges and refunds. Moreover, Capital One claims never to have seen the refund, we have the documents, and they were sent at the same time. Capital One refuses to allow me to send them the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
In accordance with the fair credit reporting act American Express and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumper plan as late for any purpose.

Company response to consumer: Closed with explanation