vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used my online banking ( XXXX  XXXX XXXX XXXX XXXX ) to send a XXXX transfer to someone else on XX/XX/XXXX for {$550.00}. The money was taken from my checking account on XX/XX/XXXX and was supposed to be transferred instantly. The money was not transferred, so I called the customer service and they told me 1-3 business days. The recipient still was not receiving the money so I called again and they said it had been sent on XXXX  XX/XX/XXXX. On XXXX, XX/XX/XXXX, I received an automatic email stating the money had finally been sent and deposited to the recipient 's account. The recipient did not receive the money by XXXX, XX/XX/XXXX, so I called the bank again and they said they said they sent the money not by XXXX, but by ACH transfer, to the recipient 's bank XXXX Bank of America ). The recipient told me he called Bank of America and they told him they did not receive the transfer and the problem was with the sending bank. I called again and they said that is not true and the money is showing in their system as received by Bank of America. They provided me with an ACH trace ID # for Bank of America to use to find the transfer. I tried calling ( XXXX times ) and emailing ( twice ) Bank of America with no response. I called my bank ( XXXX ) again and requested to reverse the ACH transfer. They said they can not do that because their system says Bank of America already received the transfer. However, they refuse to contact Bank of America to ask why they are saying they did not receive the transfer. Bank of America refuses to answer my emails and phone calls. The recipient states he contacted Bank of America and they can't find the transfer and to contact the sending bank. But the sending bank says they sent it and Bank of America has it. Both XXXX and Bank of America refuse to contact each other, both refer us to the other bank, and my {$550.00} is still missing and it has been over a week. 
The numbers provided by my bank ( XXXX ) for Bank of America to track the transaction are these : XXXX ID # XXXX -ACH Trace # XXXX Bank of America told the recipient they can't find any transaction with that Trace number and XXXX told me they provided the trace number and that is all they are willing to do. They refuse to contact Bank of America to assist with finding the money. 
I also called XXXX and they referred me back to my bank saying they do not take possession of the transfers between banks using the XXXX name.

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 2024-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/XXXX, I requested an online transfer of XXXX  XXXX from my Savings Account to an external account. 

The withdrawal was completed on XX/XX/XXXX via ACH. However, it was then reversed the same day. 

When I contacted the bank to inquire about the reversal, they said they needed to speak with the joint owner. When he called them, they asked a few security questions, then said they would call back with an update in 3-7 business days. They offered no explanation and no alternative other than calling later to try and speak with a supervisor. 

This is not in line with their own terms : " [ Bank ] has a limit of six withdrawals or transfers per statement period, and each transfer has an outgoing limit of {$120000.00} when initiated online. [ Bank ] processes transfers of {$100000.00} or less made through [ Bank ] by XXXX XXXX XXXX on a business day, by XXXX XXXX XXXX  that day. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: LEXISNEXIS
State: MA

Complaint narrative:
Inaccurate information has been posted to my credit file due to identity theft. I have received letters/phone calls from the sheriff 's department in XX/XX/year>, stating that there has been a security breach of my information under previous employers and/or computer hacks. I've sent out injunctions to all three major credit reporting agencies, ( XXXX, XXXX and XXXX ) notifying them of their misconduct in reporting inaccuracies especially without my consent. I demanded to cease and desist, and that the inaccurate information be removed. However, they removed some information and then reapplied it to my credit file without any notification between the dates of XX/XX/XXXX through XX/XX/year>. I have suffered defamation of character, discrimination and extensive damages due to inaccurate reporting. I do not recognize the information on my credit file, I have not made any updates to my profile, and I do not authorize any information posted without my consent. the companies involved are : ( XXXX, XXXX, XXXX, Lexis Nexis, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) This is securities fraud and identity theft!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I signed a lease for one year the lease was paid in full. The roommate decided to stay and go month to month. The agency never took my name off they just let the person go month to month with out removing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX on my break at work I returned a call to one main financial. I asked all future communication be in writing to my address on file. I asked for calls to cease and desist. I have continued to receive calls, voicemails, and last night I answered the phone and again told the representative it was not ok to contact that number and she enrolled me in text messages when we disconnected the call! This now has entered harassment as well as tcpa violation territory, which those violations alone will be more than any debt I owe them. Fair collection protocol guidelines are pretty clear and they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
On XXXX, booked a room with XXXX XXXX in XXXX, XXXX after a tornado occurred where I lived. I booked it for 2days, but upon arrival and it was not told to me upon booking, I would have to pay cash, and my credit card through Barclays was charged {$120.00}. I paid {$76.00} to XXXX XXXX for the stay on XXXX, and I didnt stay on XXXX, because I didnt have cash for the second night, but my credit card was charged for both nights. They are overcharging me for two nights when I paid for the one night I stayed there in cash. Barclays has ruled in their favor, and that is fraud, that my credit card has been charged the full amount, plus they received cash for my stay, they are double dipping on people and I also called Barclays that night of my arrival, and found out I had to pay cash, and talked to a representative named XXXX and she talked to the hotel directly and she informed me I would be refunded the {$76.00} on XXXX, but wasnt, so I was charged {$120.00}, as well as XXXX, and this is fraud and that business should be reprimanded, and Barclays should be made to remove the charge of XXXX, be removed from 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 explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
My payments are always made on time ; I'm absolutely sure of this. However, I'm unsure why this company is reporting me as late for certain months, which is incorrect. According to USC 1666b, any billing errors should be rectified, or they'll be liable to pay me {$1000.00} for each account reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-15 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: GA

Complaint narrative:
There is Information that is on my consumer report that is a result of identity theft and are in XXXX!. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. Under 15 USC 1681b Permissible purposes of consumer reports Subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates I NEVER gave ANY consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT The identified transactions are not information related to any transaction by me the consumer. DELETE IMMEDIATELY!!! 
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 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 Per 15 USC 1681c-2 A Consumer reporting agency shall block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft within ( 4 ) days from the receipt of this notice. I look forward to your prompt action.

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 2024-05-15 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: MI

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: IN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: IN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-15 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: IN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2024-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX, Synchrony Bank sent me a letter telling me that the XXXX XXXX card was going to be closed due to the score and other reports. When my score is in a good category, I don't see the sense that they are based on incorrect information. to close my account

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 2024-05-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: MI

Complaint narrative:
On XX/XX/XXXX, I was in a serious car accident that totally wrecked my XXXX XXXX XXXX. 
Because the car was a lease, my insurance company, XXXX issued payment {$200000.00} to the Lease holder, American Honda Financial Corp. for the value of the car. 
However, I only owed XXXX {$16000.00}. XXXX informed me that I would receive a check from them within 7-10 days of them receiving a check from XXXX XXXX XXXX XXXX received the payment from XXXX in XXXX and I still have not received my check for {$4100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MA

Complaint narrative:
there has been a BREACH OF CONTRACT on behalf of XXXX XXXX. I attempted to communicate with XXXX XXXX XXXX, XXXX XXXX through injunction letters in an attempt to perform on this account. I sent over with the letters my Restricted Endorsement on the coupon or payment voucher tender payment and set off this account balance to zero. I also requested that the balance be " pay to order '' of XXXX XXXX XXXX XXXX. All my Rights are Reserved under Title 12 USC 411 Without Recourse. I am legally and lawfully entitled to the full principal balance, all Titles, all Rights, all INTERESTS, all EQUITY on this account under THE FEDERAL RESERVE ACT Sect. 16 and also 18 USC 8. XXXX XXXX violated 15 USC 1605 and 15 USC 1635. They did not honor my right to readdress the contract. This is a BREACH OF CONTRACT and SECURITIES FRAUD! Because they have repeatedly ignored my attempts to perform on this account, under THE FEDERAL RESERVE ACT Sect. 29 I can and will legally pursue them. They have posted inaccurate information to my credit file and have defamed my character. I have suffered discrimination and extensive financial damages due to their misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-15 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I reviewed my credit report and came across unfamiliar accounts. Despite my attempts to contact the relevant parties for verification, they have consistently ignored my requests and have not provided any verification.

Company response to consumer: Closed with non-monetary relief