vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 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: TX

Complaint narrative:
XXXX XXXX XXXX  Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
AXOS Bank falsely reported that I didn't pay my mortgage to the three credit bureaus. The bank did not credit my account with the payments each month making it look like I didn't pay. Their failure has damaged my credit and financially negatively affected me as I applied for car loans during this period. I want the credit reports corrected and I want financial compensation from the bank because I am paying a higher interest rate on the auto loan as a result of their gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: CA

Complaint narrative:
Hi! 
I need you assistance to resolve the issue I got online of Bank of America. 
I have 3 accounts in Bank of America - checking, credit line and car loan. 
On XX/XX/24 I tried to make a payment to my car loan account in the amount of {$310.00} from my checking account, and after submitting it, my money went not to car loan account but but to my credit account which had {$0.00} balance. 
It was no options to fix mistake online, and there in Bank of America site is not option to pay my car loan from credit card. 
I called to Dank of America credit dept, spent about 2 hours listening to their offers, and finally living person picked up the phone, his name was XXXX from Florida, he stated he's in not right dept, transferred to another associate who's name was XXXX from Florida as she introduced herself, she was unprofessional and unfriendly, asked the same questions several times, kept silent frequently, mumbling something unclearly, than stated she " will do her best to transfer money back to my checking account but it will take 10 business days. 
When I asked to talk with her supervisor, another person picked up the phone, did not introduce herself until I asked her name, she told I'm XXXX but when I asked her position, she just hanged up. 
Currently I don't know if my request was submitted, if I get money back to my checking account to make payment on time, if I need to spend another several hours to get their staff response, and what should I do next if nothing was been done to fix the issue they created in their site. 
Can you please help? 
I'm really curious if anyone control Bank of America customer service, are they have any controlling dept. 
Please help me to resolve the issue! 
Thanks in advance!

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 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi, I applied for a XXXX  XXXX  amex card on XX/XX/2024. I have made almost {$10000.00} in purchases since applying and im being denied the XXXX membership reward point bonus on grounds that tax payments do not count towards spend. I have overlooked the terms and conditions for excluded charges and found nothing that excludes TAX PAYMENTS therefore per terms and conditions I have properly met the spending requirement and fulfilled my end for this bonus. On top of that is was informed by multiple representatives from the company that tax payments do in fact count towards spend bonuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Chime Financial Inc
State: NY

Complaint narrative:
I recently checked my credit report and saw accounts i do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TX

Complaint narrative:
XXXXXXXX XXXX falsely reported that I didn't pay my mortgage to the XXXX credit bureaus. The bank did not credit my account with the payments each month making it look like I didn't pay. Their failure has damaged my credit and financially negatively affected me as I applied for car loans during this period. I want the credit reports corrected and I want financial compensation from the bank because I am paying a higher interest rate on the auto loan as a result of their gross negligence.

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 2024-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: CA

Complaint narrative:
Applied for the XXXXXXXX XXXX order number XXXX with Tesla got approved with XXXX for XXXX. The XXXX was XXXX. Tesla told me to cancel the application they could tranfer to the XXXX XXXX So i paid the sscond deposit of XXXX. Then the rep order the XXXX XXXX to be delivered a day later. Pick date they told me to reapply. I appkied twice they denied the app. Then told it was a lease not a loan. I walk through reapply for the loan with a rep but still got denied. Not to mention i was transferred around to three different dealership. Rep not return calls. And i call in get a bunch circle to buy my first Tesla. I called XXXX they told me the loan is approved from XXXX XXXX Tesla keeps submitting the loan when I reapply as a lease some kinda of way. I reapplied for a loan. Is this legal? Please call santander XXXX account XXXX. Telsa told me to cancel pay the deposit and reapply to get the XXXX XXXX  order numbers Rn XXXXXXXX XXXX XXXX XXXX approval loan. I need this loan plus the tesla transfered to the XXXX XXXX Please help resolve this issue. I wanted the XXXXXXXX XXXX XXXX  through my finace companys approval XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: DISCOVER BANK
State: MN

Complaint narrative:
In XXXX of XXXX  I purched vitamins from an online advertisement. The company must have saved my card information and then billed me again XX/XX/2023. I returned the product to the business via XXXX tracking number XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. They gave me an XXXXXXXX XXXX XXXXXXXX to confirm receipt of returned merchandise. After getting everything back unopened and untouched they refused to refund my card. I disputed this with Discover card but they say they can not credit me because I must have given out my card number when I made an initial purchase in XX/XX/2023. I advised them that I never authorized multiple charges and it was a XXXX time purchase. Still this goes nowhere because they will not let me log in my account and send documents supporting myself and will not accept evidence any other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
On XX/XX/2024 my mother sent {$1600.00} to me to cover my rent which was due by XXXX XXXX XXXX XXXX XXXX XXXX She sent the MoneyGram at XXXX. She paid a fee of {$15.00}. I check at XXXX on the MoneyGram app and it showed that the transaction was ready for pickup. I checked the closest location to pickup and saw that there were several CVS that did MoneyGram Transactions in the XXXX area. I went to CVS located at XXXX XXXX XXXX XXXX, TX XXXX. They advertised to be able to recieve/send MoneyGram at the store. I told the CVS agent that I wanted to pickup a MoneyGram and was informed that they did not do MoneyGrams for over a XXXX. I was baffled because of the website stating this location was able to do MoneyGrams on the MoneyGram app. I contacted another CVS  Location at XXXX XXXX XXXX XXXX, TX XXXX and was told the same thing. That the CVS associates were not trained and that their printed no longer worked to do transactions for over a XXXX. 

So, I had to drive miles away to a XXXX . I gave the associate the transaction ID who informed me that it was not ready for pickup, and I needed to contact MoneyGram. I was once again baffled because it stated on the App that it was ready for pickup. Essentially I spent XXXX hours and counting since Im waiting on the sender to go back to XXXX to update the information because the only way they can verify the transaction is by text or call. 

Overall, MoneyGram FALSELY ADVERTISED their locations. MoneyGram is DECEPTIVE in their notification and status. MoneyGram should be regulated more and held accountable for their fraudulent behaviors.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
This is a continuation of a prior complaint. As you can see from the response from HSBC, they accept that they were at fault for providing erroneous wire transfer information which resulted in funds being lost within HSBC. While they responded that they will look into the matter if provided with evidence that the wire transfer was made, they continue to refuse to look into the matter despite have been provided the XXXX  ( XXXX ) which proves the funds were sent to HSBC. Please note that this is complete fraud. HSBC either lost or has taken funds wired to me and refuses to credit those funds to my account. XXXX XXXX has repeatedly said that if HSBC has any questions, they should contact them - which HSBC has not. This is not a matter of he said she said. HSBC acknowledges that they provided the wrong wire instructions for the funds to arrive in my account. Despite that, these funds were still credited to HSBC 's general account, so are still sitting there. You will notice that their response is also incorrect, as they claim the funds were never received AND rejected. If you did not receive the funds, you can not reject them. That said, XXXX XXXX has provided the XXXX to prove the funds did arrive at HSBC. Given these facts and given your oversight role of HSBC, I would appreciate it if you could instruct them to locate the funds ( XXXX ), credit them to my account, and also pay the back interest for 5 months as this was their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: GA

Complaint narrative:
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Auto Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New XXXX XXXX XXXX   Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX Auto Dealers, New XXXX XXXX XXXX  Auto Financing XXXX XXXX XXXXXXXXXXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is a financial institution by definition under that title. 
1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 
15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. 
Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time. " I am opting out of your reporting services '' According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer
reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX are consumer reporting agencies and I am the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XXXX I disputed a charge of {$710.00} from services rendered by XXXXXXXX XXXX XXXXXXXX for unauthorized charges to my car. I received a denial decision letter on XX/XX/XXXX and placed a call to BOA on XXXXfor information regarding the denial. I was told that the vendor did not respond to the request for information. There were multiple conversations regarding the decision. I asked the representative why was my limit decreased she informed me that I would have to contact credit analysis at XXXX in which that was XXXX. I spoke with their representative and was advised to request a credit report. On XX/XX/XXXX I asked to speak with a supervisor and was transferred to XXXX who identified himself as a supervisor, later to find out he was not a supervisor ; however, this representative transferred me to credit analysis department who gave me the reasons for my credit reduction. His reason was stated in letter dated XX/XX/XXXX. After receiving the letter I placed a call to BOA when in the call I asked why my credit report was pulled because I had not requested a line of credit increase or was I two consecutive months past due. She stated that they can every month run a credit report, I said that is not true. I reached back out to XXXX and expressed my concerns regarding BOA pulling a credit report the customer service confirmed the information was correct when a credit report could be run and advised me to contact this office. After the call to BOA on XXXX received XXXX letters dated XX/XX/XXXX ( see letters enclosed. ) I have attached the XXXX credit report that BOA used to justify reducing my line of credit by {$10000.00}. I feel that after my request to dispute the {$710.00} from XXXX XXXX XXXX BOA retaliated against me by reducing my line of credit. I believe that it is possible BOA may have run my credit against the fair credit and reporting law.

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 2024-02-04 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: NV

Complaint narrative:
I would like to have all names removed from ALL 3 reporting agencies and reported as such. 
XXXX XXXX XXXX, I am only 1 person. I have no other names or priors. 



Credit Report Date XXXXXX/XX/XXXXXX/XX/year> Name : XXXX XXXX XXXX ( only name that should appear ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Former : - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: FL

Complaint narrative:
I opened a XXXX Credit Card to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: FL

Complaint narrative:
I opened a XXXXXXXX XXXX XXXX to restore my credit history, I only used the card once, the was closed after I stopped using it and it still shows up on my credit report and I WANT IT REMOVED 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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
i sent all documents to prove that i am the new owner and contracts to XXXX  to update the account with the new account holder as paid in full they have not responded or updated the 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 non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I tried to dispute a transaction for over {$2600.00} with Fifth Third Bank, with whom I have a checking account. This complaint is about XXXX companies - Fifth Third and XXXX XXXX. 

A company called XXXX XXXX- which normally hosts music concerts with top XXXX  and XXXX XXXX XXXX artists in the XXXX - canceled a concert that was supposed to happen in XXXX in XXXX of XXXX at the last minute. ( They said it was " rescheduled '' but as of XX/XX/XXXX, no rescheduled date has been announced. ) My cousin and I paid over {$6000.00} for the concert, which included concert tickets and a hotel room/stay at a resort in XXXX XXXX XXXX XXXX XXXX XXXX not refund the money, even though the concern was canceled and did not take place. I tried to dispute the charges with Fifth Third and get my money back but was denied. I've had this checking account with Fifth Third since the year XXXX. 

I would think that they would help a loyal customer for almost XXXX  XXXX  and reimburse the money, but apparently they will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: OH

Complaint narrative:
I have an account with the pay later platform Afterpay. Afterpay claims if your having payment issues to fill out the forms and they will help you. Same thing when their is a problem with your payment methods. My bank account was frozen due to fraud. I filled out the form with afterpay and now they completely are ignoring my messages. They took all rewards and points from me when they claim they will not. I contacted afterpay prior to any payments being missed or late. They have not removed old payment methods I instructed them to do. I've sent the emails from my bank as well. They claim to help customers just to get them riped in so they can ruin their credit if they experience a hardship

Company response to consumer: Closed with explanation