vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/2023 I attempted to do a balance transfer using my XXXX app to transfer a balance of {$8400.00} to pay off my Bank of America credit card and it kept saying it wouldn't go through. On XX/XX/2023 I called XXXX and a rep was able to help me with a balance transfer that I decreased to {$7400.00}. On XX/XX/2023 Bank of America received money from XXXX in both amounts for a total {$15000.00} in which it took months of phone calls to get reversed. So finally, on XX/XX/2023, Bank of America sent XXXX back {$8400.00}, but XXXX is saying they never received it. I have called both banks MANY times and have not gotten anywhere. XXXX is asking Bank of America to send me proof of the wire transfer with accounts and routing numbers which I have yet to receive. On XX/XX/XXXX Bank of America sent me a letter saying that they had attempted to return the money to XXXX, but it wouldnt go through so they were gon na cut me a check. I got the check shortly after and I attempted to cash it but they had stopped payment. So I either need a check again or they need to put the money back in my account. And if they are still saying, they sent it to XXXX prove it, because XXXX is saying they do not have it.

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 2023-10-19 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Improper use of my credit reports under 15 usc1681-604a section2 Dates back from 10 years ago XXXXnow These companies keep reselling my credit reports once its sold its not my debt they keep misusing it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: VA

Complaint narrative:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: VA

Complaint narrative:
Company continues to provide inaccurate information without providing validation of information. Company does not have my written consent to provide said inaccurate information to creditors. Please immediately provide complete credit report in compliance with 15 U.S.C.1681c-2,15U.S.C 1681 ( b ) ( 2 ), 15 U.S.C.1618 ( a ) ( 1 ), 15 U.S.C.1601, FCRA 604 ( C ), AND ALL APPLICABLE CREDIT LAWS.

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  CHANGED information previously reported as accurate, on my Credit report more than a year after the account was closed I believe this was done maliciously in coordination with XXXX XXXX to cover up sloppy bookeeping. Dates of payments received were changed XX/XX/XXXX AFTER I disputed information from my Credit report that showed XX/XX/XXXX payment was paid & verified as ACCURATE by XXXX XXXX Transunion from XX/XX/XXXX through XX/XX/XXXX. My rights under FCRA are being violated. The information provided in my credit reports ( XXXX XXXX Transunion ) are unfair, inaccurate, incomplete & totally unverifiable!

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 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America closed our bank account with no warning. Now they refuse to give us our money till everything is done. That date is XXXX. We have no money and my husband gets paid once a month. Stressed out to say the least

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 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN

Complaint narrative:
I attended XXXX XXXX during the period XXXX. I have paying off my loans since then and currently have one that is adjusted due to my low income. 
However, on approximately XX/XX/2023, I received a letter from the ECSI Federal Perkins Loan Service in XXXX XXXX, PA XXXX stating that I owed a past due amount of {$2100.00} on a loan I had never heard of. 

To further confuse the matter, I spoke with an agent at the Federal Perkins Loan Service and they said the school had no documentation on this " loan '' except a p/c of the original signed agreement. The school has no record, nor do I, of ever notifying me of the existence of this " loan '' or of any interest acquring. There is no record of why the interest accured, payment received, and why I was not notified. 

I dispute the existence of this " interest '' and question that after 23 years or so of no notice that I even am liable for such an amount. How can one acquire interest on principal that ( according to them ) has been paid or at least does not exist at this time. ( Principal Due : {$0.00} ) At the most basic level, this is an example of sloppy bookkeeping or just conjecture on their part. 

Further my personal situation is that I am XXXX, suffer from a XXXX XXXX, and my husband is XXXX ill with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: IL

Complaint narrative:
In first week of XX/XX/XXXX I requested copies of all sent transactions between XXXX XX/XX/XXXX. They said they would not provide since they had canceled my account. I argued that it was their choice to cancel my account but that I was legally entitled to my sent transactions history. They refused.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was a victim of theft. I filed police reports and contacted chime. I sent paperwork showing that I filed charges and even paperwork showing I was in a rehabilitation center and couldn't have possibly used the funds. I even sent letters to cancel my account which was ignored during my rehabilitation stay. I asked what we could do to get my money back. Chime continued to deny and close my case. 
I wasn't given explanation or what I could or should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: NC

Complaint narrative:
I logged into my Mohela account and set up auto pay on XX/XX/XXXX. I received an email from mohela confirming this action. The payment was taken out of my account on XX/XX/XXXX. I confirmed this with my bank XXXX. By Wednesday XX/XX/XXXX. I began ( and continue to receive ) emails stating that I have not paid and am past due. The amount due was {$270.00} and I paid the full amount. I called Mohela and waited and hour to talk to someone. When I finally got through the representative could only confirm that the email came through but she can not locate the payment. She put me on hold for another 15 minutes and said she is escalating the matter to her supervisor and was transferring me. She did so and after being on hold another 52 minutes, I had to hang up. I tried submitting my issue through their online portal but the letter was obviously auto generated because all it did was confirm that I called and stated something to the effect of we are assuming the matter had been resolved. If anyone actually read the complaint they would see that the matter has not been resolved. Despite receiving the confirmation email my account does not show that I have set up automatic payment nor does it list the payment of {$270.00}. The payment did come out of my bank account and I find it hard to believe they lost it. It seems like they are stalling and I feel like they are probably planning on selling my account soon and have excessive wait times as part of the rouse to buy themselves time because they realize most people dont have time to wait hours on the phone. I have also emailed them my phone number and asked for a response by the end of business day yesterday but have yet to hear from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I contacted Equifax because they continue to report incorrect information about 2 old loan accounts I had with XXXX. I disputed these inquiries ( with documented proofs ) using Equifax 's online dispute form, and was contacted about a week later saying Equifax resolved the dispute. However, when I logged-in to see the resolution, all Equifax did was leave me a note saying that the XXXX information was correct. When I originally submitted the dispute with Equifax, I informed them that I had already attempted to resolve this issue with XXXX  but XXXX still had not removed the incorrect information, nor have they done anything else to correct the error. The last time XXXX updated my file with Equifax was almost 1 year ago - and since that time, XXXX has closed my accounts, transferred my accounts to another company, XXXX, and at XXXX my accounts were completely paid and closed. I submitted all this information to XXXX and Equifax but they will not correct these errors in my credit reporting file. XXXX has updated my files with the credit reporting agencies to reflect all this information, so I don't know why XXXX refuses to correct my information and why Equifax refuses to update the XXXX information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AZ

Complaint narrative:
I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX. 
I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done. 
I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies. 
I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged.

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 2023-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-10-19 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: TX

Complaint narrative:
This Account have violated my rights According to FCRA ; XXXX XXXX XXXX  # XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XX/XX/ ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This Account have violated my rights According to FCRA ; XXXX XXXX XXXX XXXX XXXX According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report.

15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' Spokeo v. Robins, 2016 WL 2842447, 578 U S.- ( XXXX XXXX XXXX  ). 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how this account is reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status.

Everything reported here does not meet the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
My phone and wallet were stolen at a restaurant. My cards were all used to charge cryptocurrency purchases through my XXXX XXXX on my phone. These cards were associated with XXXX XXXX, XXXX and Chime. XXXX XXXX and XXXX were excellent in recovering the stolen funds. Chime will not even investigate. They are immediately denying the claims and only providing the transcript of a questionnaire the customer service agent went over with me on the phone. I provided Chime with a police report and letters of determination in my favor from XXXX XXXX and XXXX. They will not even look at these. They will not even attempt to charge back the transactions. And I got frustrated with them and they threatened to take action against my account. Please help me take action against Chime to recover my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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