vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-29 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: NY

Complaint narrative:
TO : Bank of America ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I do my personal business through brokerage trade. I received money from a XXXX client, deposited the money to a XXXX supplier, and sent the goods to XXXX. My deposit method was transferred from my bank account to my XXXX account, and then transferred from my XXXX account to a XXXX supplier 's coin account. 

When this activity was repeated several times, the bank suspected that I was laundering money. I also visited the branch XXXX times to explain my business, and the person in charge of the branch fully understood the situation. Meanwhile, on a business trip to XXXX and made a deposit to the supplier, but the bank suddenly closed my account. 

If you were suspicious of a fraudulent transaction, you could check if my normal transaction was correct through the phone. As a result, I made a deposit from my bank account to my XXXX account. It was a transaction that was not sent to another person and had no problem at all. 

However, I don't know the reason why I decided to close it, even leaving out the fact-checking details and knowing all my circumstances. My clients are experiencing inconvenience as their deposit accounts have changed. I want to open my account as I used to do bank transactions again in bank of america. I'm not a fraud, I'm not a money launcher. I'm a real businessman, and if I were an XXXX, I don't think I would have been discriminated against like this. I think I was discriminated against because I'm XXXX  and XXXX. ( The bank thinks it has negative thoughts about 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 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX- Letter sent to CRAs regarding the noted inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX Letter sent to CRAs regarding the noted inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX- Letter sent to CRAs regarding the noted inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 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: NY

Complaint narrative:
I WANT TO REMOVED THOSE INQUIRIES FROM MY REPORT BECAUSE I DON'T RECOGNIZE THEM AND IT WAS NOT AUTHORIZED BY ME. ( EQUIFAX ) XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX  ( EQUIFAX ) XX/XX/XXXX XXXX ( EQUIFAX ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
See attached. This is in response to prior closed case # 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 2024-10-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-10-29 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: TX

Complaint narrative:
XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 2024-10-30 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: CT

Complaint narrative:
My credit report shows unauthorized inquiries that I didnt permit, hurting my credit. Please remove these in accordance with 15 USC 1681b ( c ) ( 2 ).

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 2024-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: PA

Complaint narrative:
In XXXX of XXXX I received an email from XXXX XXXX explaining that my Student Loans were discharged under the Borrowers defense plan. I was told that within XXXX days the loans would be discharge and I would be entitled to a refund for all Payments that were made during the life of the loans. It is now almost XXXX and no action has been taken on the Loans, and when I call the Servicer ( Nelnet ) and the XXXX XXXX XXXX I am told there is no set time frame on how long the discharge will take which is completely unacceptable and I need my loans discharged and my money refunded I am a Senior citizen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 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: Continental Finance Company, LLC
State: GA

Complaint narrative:
Dear XXXX/Contfin : This letter serves as a formal complaint regarding acct # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604a section 2 it also states a consumer reporting agency can not furnish and account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card on an open and 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
Consumer complaint received 2024-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Transunion is refusing to handle my request to investigate accounts on my credit report that appear to be inaccurate and incomplete. I sent a letter to Transunion on XX/XX/year>, asking them to correct or delete each item they can not verify as accurate and complete. I provided all the necessary documents, including my Driver 's license and proof of address, to ensure they could verify my identity and properly handle my dispute. However, this week, I received mail from Transunion stating that my letter does not appear to have been sent directly or authorized by me. I do not understand the basis for this conclusion, especially since I am the one who sent the letter. I feel my rights as a consumer were not respected in this process.

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 2024-10-29 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-10-29 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:
Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile.

The account in question are as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,

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 2024-10-29 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:
Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : XXXX XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,

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 2024-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered a product from Amazon.com on XX/XX/year>. I decided to return the item unused and unopened ( the packaging was completely intact and undamaged ). I was provided a return code and instructed to drop off the item at a XXXX XXXX store which I did. I dropped off the item on XX/XX/year> and received notification the return was received on XX/XX/year>. I have since never received my refund for the return. I have contacted Amazon customer service over live chat and by phone over 5 times. I have been told many different things by different representatives : some representatives told me I would receive my refund soon, some representatives told me that the item I returned was incorrect and I would not be receiving my refund ( in which I told them to please re-check the item because I returned the exact item I received in an unopened undamaged package ), and some representatives told me to contact my bank for a resolution. I contacted Chase bank to file a dispute. The dispute was denied with the proof being " the merchant submitted proof of me agreeing to the terms and conditions. '' The proof states that I agreed to the terms and conditions and returned an item I was not allowed to return. This is completely untrue. If I was not allowed to return the item, then why was I provided a QR code with instructions to drop-off the item at a XXXX XXXX store? Furthermore, I have screenshots of the message in my Amazon app that shows my return was dropped off on XX/XX/XXXX and received on XX/XX/XXXX. I just have not received my refund. I contacted Chase claims again after my claim was denied and was still told even after submitted my screenshot proof that the return was received that my claim was denied due to me " accepting the terms and conditions. '' This absolutely makes no sense at all. I returned an unused, unopened item as I am allowed to by Amazon and have not received my refund. I am really frustrated after spending all of this time talking to Chase bank and Amazon customer service representatives. I have been cheated of {$430.00} which is a lot of money for me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: AZ

Complaint narrative:
Re : Dispute of Debt Account # XXXX To Whom It May Concern, I am writing to dispute the validity of the medical debt referenced by account # XXXX, which National Recovery has recently attempted to collect. This debt has been sold and resold multiple times over the last six years, and I have previously disputed it with other collection agencies. I maintain that this debt is not mine. 

Please be advised of the following points : This is not my debt, and I have repeatedly disputed it with previous debt collection agencies. 
The continuous selling and reselling of this debt raises concerns about its accuracy and legitimacy. I believe that this debt has been improperly handled and should have been resolved long ago. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that National Recovery cease all collection activities and provide me with written documentation that proves I am legally obligated to pay this debt, including the following : The name of the original creditor. 
A detailed explanation of the debt, including the original amount and any fees or interest added. 
Proof of assignment or sale of the debt to National Recovery. 
If you are unable to provide sufficient proof of the validity of this debt, I request that you immediately stop any further collection efforts and remove this account from any credit reporting agencies to which it has been reported. Failure to do so may result in me taking further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. 

Please treat this as a formal dispute of the debt, and respond to my request in writing within 30 days. 

Thank you for your prompt attention to this matter.

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 2024-10-30 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX - asked Citi to refund an incorrect payment of {$2400.00} XXXX XXXX - followed up for payment, runaround through customer service, getting hung up on, unable to speak to someone directly since then, I've filed a complaint with the XXXX  but it was closed by Citi, cant speak to a representative, they then closed my card ( s ), charged over {$5000.00} to my closed card ( fraudulently ) and won't provide a resolution, now charging interest and late payments, causing my credit score to plummet due to high credit utilization, " non-payment '', delinquent account, threatening to send it to collections.

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 2024-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: KY

Complaint narrative:
I attended college from XXXX. I was not informed by the school that I needed to request private loans until after I already moved XXXX miles into the dorms. Over my XXXX  years I took out {$38000.00} in private student loans through XXXX XXXX. Shortly after they were transferred to XXXX. While with XXXX, I attended graduate school. While in graduate school, XXXX gladly put me in forbearance without truly explaining to me what that meant. After exhausting forbearance they forced me to start paying, even though I didn't even make enough money to pay my monthly bills already. Even on " interest only '' payments, I couldn't afford them. I asked for more affordable payments. They said they were the lowest they could be. 

I struggled. I worked XXXX jobs, I didnt sleep... I have paid {$550.00} a month for years. I have paid well over {$42000.00} to XXXX, but still somehow still owe {$52000.00} ... on my original {$38000.00} debt. 

Not only have I paid back what I borrowed, but I have paid more. XXXX has never been willing to help or work with me. If I needed forbearance they would charge me {$150.00} to put it in forbearance even though the forbearance was because I couldn't afford my payments that they wouldnt change. 

I have paid back my debt and now my debt has been transferred to Mohela where the same XXXX is going to happen. This is a perpetual debt hall that has NO WAY of ending. This is disgusting and all started because the government forced students to use their parents income even if their parents were not assisting with college which made them ineligible for federal aid. 

After years of paying, paying well over what I borrowed, I still owe more than {$14000.00} more than what I borrowed because of predatory lending, predatory interest, and taking advantage of XXXX XXXX XXXX who never received financial education. So my complaint is against XXXX XXXX, XXXX Mohela, and the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
I received a voicemail from Collections Bureau of America ( CBA ) stating that I owed {$120.00} on an account with XXXX. This was the first time I was informed of any outstanding balance. 

Following the voicemail, I contacted the agent on the voicemail who hung up on me. I called XXXX directly to inquire about the debt. XXXX confirmed that my account had been sent to collections. 

I then called CBA to request a debt validation letter and any written details about the debt, as I had not received any prior notification from either XXXX  or CBA. 
Each time I attempted to discuss the matter, CBA hung up on me. Despite multiple calls from different phone numbers, CBA has consistently refused to provide a validation letter or any written notice of the debt. This lack of transparency has raised concerns about the legitimacy of their claims. 

I am concerned that this issue, if unresolved, may impact my credit score. I have a strong credit history and handle my accounts responsibly. I am attaching the voicemai transcript left by CBA as evidence of their initial contact. Since then, they have not reached out to me further. It is I that have been trying to get to the bottom of this. Ive also attached in the documentation of the last bill received from primo water, and proof that I submitted the payment. They are both screenshots of the emails. I received from them the last ones. 
If you look in the attachment directly from XXXX XXXX  you will see my account number and all the pertinent information. This was the last correspondence I ever received from them until I received the voicemail from the collections department with the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I am entitled to have my interest rate reduced on my accounts to 6 % per Louisiana statute 29:312.

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