vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
My student loan servicer, Aidvantage, has calculated my monthly payment under the SAVE plan incorrectly. It does not match what I am given on the studentaid.gov website nor when I calculate it myself. I have asked for it to be recalculated numerous times. I have asked them to give me the calculation that was used to calculate my payment. I have resent my proof of income several times. I have called and waited on hold for over an hour. I can not get anyone via the chat. I am just now getting replies to emails I sent back in XXXX / XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: VA

Complaint narrative:
During the XXXX of XXXX I was locked in on XXXX  down with contract cavana racially profiled me discriminated canceled my order and my terms went to XXXX down after my vehicle was suppose to be delivered on the XXXX o loss XXXX dollars to insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: CT

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: NY

Complaint narrative:
XXXX XXXX  XXXX  XXXX account XXXX, has violated my rights. In accordance with 15 U.S.C 1681c, Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XXXX I opened a personal account with Bank of America, and in XXXX I opened a Checking and Saving Account for my Small business, mid-year in XXXX Bank of America froze my Business and Personal Account, and after trying to get some answers I finally spoke with an agent in customer service that my account had been frozen for unusual activity and could not elaborate any more than that, I spoke with a branch manager at the local BOA and he informed me that it could be resolved in a few weeks but to give it 45 days, but it could take up to 2 years for BOA to complete an investigation. My small business had just received a XXXX  Loan for over XXXX I asked if that was the issue and they could not tell me. During the COVID-19 years, it was very difficult for any small business to survive and we were no different, I had employees to pay and other bills, so you can imagine when we received those funds I informed my employees that we had secured funds to back pay them, then this happened with BOA and it was heartbreaking to have to tell my employees that they were not going to get paid and that they would have to wait until I found other resources. You can imagine how frustrating this was to me, both my personal and Business accounts were frozen by Bank of America, I asked about un-freezing my personal account so I would pay my employees out of pocket, but they basically said NO. after repeatedly trying to get answers and getting nowhere, I just accepted it for what it was, between both accounts there was over XXXX I have continued to call or visit the local branch a couple of times through the past years and was provided with no information, I believe my accounts were not just frozen they were closed as I tried to log into my accounts a few months back and the system returned no account found. 
I was told it would take up to 2 years to release my accounts, well it's been 2 and a half years now since I last called again to try to get some updates the agent informed me that no investigation has been started, I really want to know why my funds are still frozen and why no ones has reached out to update me in the past few years. 

Best 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 monetary relief
Consumer complaint received 2023-11-22 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: MI

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This complaint is a continuum of complaint number XXXX. 

For the statement cycle from XXXX to XXXX of XXXX, American Express requested that payment for that statement be made by XX/XX/2023, a Saturday. I realized on Sunday, XX/XX/XXXX, that I could not make a payment from my account as it would post late and at least one business day after the due date. As a result, I submitted an internal payment request via my Amex account on XX/XX/XXXX. On XX/XX/XXXX, American Express assessed a late fee. I contacted the customer service line via telephone and asked for the fee to be waived. Per the representative, I have had two courtesy waivers and the " system would not allow him to waive it. '' I was unable to have the fee reimbursed. 

This act reflects a potential violation of the Federal Trade Commission Act, Section 5. In truth-in-lending, a consumer is permitted to make a payment on the following business day if a payment date falls on a date in which the financial institution does not accept payments. In this instance, since Saturday, XX/XX/XXXX is the payment date and a date in which American Express does not accept payments, I should have been allowed to submit my payment the following Monday, XX/XX/XXXX, without incurring a late fee.

I am requesting that American Express conduct a seven-year review of my account. In any instance that I was assessed a late fee for a payment due on a non-business day, but payment was received the following business day, those late fees be reimbursed. I am also requesting that the CFPB conduct a review of this process throughout the bank to assist consumers who may have been impacted by this technicality.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XXXX ; XXXX, 2023 XXXX USD was paid to Paypal. It was debited from my account the same day. I tried for 3 full days to contact a real live person to speak with to explain the situation in full as to what trouble this had caused and thar the final result of Paypals lack of genuiine interest has left me an XXXX XXXX XXXX pensioner without something I depend upon for my health XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The end result being that because Paypal was not interested a shipment was made and because it was not made without any proper legal notice that never came to me the goods were delivered and left on the front door mat. and was never seen by me. I have a very short reply fom a person named XXXX '' and thios is what it says HYi Bud! Youv'e reached XXXX frrom Paypal managing team, Thanks for working withour automated Paypal assistent and providing your inforrmation. I acknowledgr that your time is valuxble and I can since the importance of this matter. Lets seee what I can do to help you. Upon reviewing your accouint I can see that the transaction that happened last XX/XX/2023 was already com, pleted. Rest assured that XXXX XXXX already received the money in his Paypal account. 

( This is a far cry from XX/XX/XXXX when Paypal received my money and never released it. 
Hopefully in the next few weeks I will be filing a legal complaint with http//www.consumerfinance.gov ) note : the above paragraph is my own personal comments that I sent to XXXX. The shipment did come finally but as said before no one had any idea at that point in time IF or WHEN a parcel was even coming. The end result was that it did come but it was no longer there the evening it was delivered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I have been trying to get my credit card for an account I opened with Citi Bank for months now. I used the card for a balance transfer when I opened the account, and I've been calling weekly and have been told a different reason every time as to why I haven't received my card. I have also been told weekly that I haven't missed any payments and don't have any due until XXXX, which i found out today were blatant lies and when trying to pay the card they re routed my to the system asking for my card number. When i asked how i could make payments without my card I was told " call the number on the back of your card '', and every verification system they have requires the card they wont send to me, so now apparently i might have late payments and they are not providing a single way that I can actually make them. I also have no way to access my account and even see my payments without my 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 monetary relief
Consumer complaint received 2023-11-22 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: TN

Complaint narrative:
I'm the victim of identify theft and I don't recognize one or more of the fraudulent accounts on my report and I would like to get these fraudulent accounts and addresses removed and blocked. The following addresses are XXXX XXXX XXXX XXXX XXXX tn XXXX and XXXX XXXX XXXX XXXX XXXX  tn XXXX and these addresses are linked to several accounts listed on my identify theft report. Fraudulent Accounts, XXXX date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX XXXX XXXX date XXXX account number XXXX amount of fraud XXXX. XXXX XXXX  date XXXX account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. XXXX  date XXXXXXXX  account number XXXX amount of fraud XXXX. Fraudulent Inquiries, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.AS YOU ARE WELL AWARE, UNDER 15 U.S.C. AND 1681i ( FCRA ), YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION. YOU HAVE ALREADY VIOLATED FEDERAL LAW BY REPEATEDLY REPORTING INACCURATE INFORMATION. FOR THIS IS A VIOLATION OF FEDERAL LAW THAT I HAVE A RIGHT TO SEEK REMEDY AS IT HAS CAUSED ME DAMAGE IN HOW I AM VIEWED BY LENDERS, AND TERMS OF LOANS RECEIVED. HOWEVER, I ORDER TO ACHIEVE AN AMICABLE RESOLUTION OF THIS MATTER, I REQUEST THAT WITHIN FIVE DAYS OF RECEIP OF THIS LETTER THAT THE TRADE LINE ASSOCIATED WITH THIS COMPLAINT BE DELETED FROM MY CREDIT REPORT, AS PRESCRIBED BY FCRA. I HAVE INCLUDED COPIES OF MY IDENTIFYING INFORMATION TO PROVE MY IDENTIFY. I LOOK FORWARD TO AN EXPEDITED CONCLUSION TO THIS ISSUE.

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXX XXXX {$12000.00} I mistakenly paid someone and we asked the bank to collect the money because we didnt not get the merchant we paid for. The bank refused to give us our money back. 
There are other funds that were submitted those were released but not this one

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 2023-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One terminated my account without providing a reason, which is within their rights. They assured me that my funds would be returned within 10 business days, but I have yet to receive them. Additionally, obtaining information from a bank representative has been challenging since the account is closed. Despite leaving messages as instructed, I have not received any callbacks so far.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-22 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: TX

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. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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 writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
I have an UNAUTHORIZED credit account such as XXXX XXXX XXXX  ( Acct # : XXXX ) ( Equifax ). 
I also have UNAUTHORIZED hard inquiries such as XXXX XXXXXXXX XXXX XXXX ( Equifax ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 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: MS

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: MS

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had several fraud claims against my account and was told these claims were to be investigated.. However, with Chase 's fraud operation team they talked to me about it so kindly and told me they take these claims very seriously and I actually believed in them. That however, is not the case. They said they will call me back in regards about my disputes/fraud claim with the merchant " XXXX XXXX XXXX '' but they never did.. Also, today as of XX/XX/23 they have closed my business/personal credit accounts saying it was closed due to " fraud '' with no legitimate reason or a call for a notice.. This fiduciary irresponsibility needs to be further investigated by the CFPB because this is unacceptable. I never wanted my cards closed, or wanted my cards to be stolen so someone had used my credit card information for fraud. I believe Chase is not a credible company with no integrity or honesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
i got account that are inaccurate and need to be removed from my report asap!

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 2023-11-22 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 have violated my federally protected consumer rights to privacy and confidentiality under U.S. Code 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 USC 1681 Section 602 ( A ). States I have right to privacy.

15 USC 1681 Section 604 ( A ). States a consumer reporting agency can not furnish a account without my written instructions.

I have not furnished consent via 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.

The accounts listed are adverse items of information and are not convictions or crimes.

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.

The account listed all also have inaccuracies and different information on all 3 major credit bureaus from open date, to ammount owed, and also monthly payments.

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 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : 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 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 2023-11-22 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: GA

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 602 A STATE I HAVE THE RIGHT TO PRIVACY, 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CANNNOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C 166B : 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 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