vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
This company claims that I have never contacted them but I have the proof which i am attaching again. I have never done any business with this company yet they are reporting on my credit report. I requested " validation '' yet they state they have sent " verification ''. The two are not the same. This company has no permission to use my social security number. This company has no agreement be me and them to utilize my my credit report. This company never reached out to me stating anything in regards to this account. I DO NOT AUTHORIZE AND NEVER HAVE AUTHORIZED THIS COMPANY TO UTILIZE MY SOCIAL SECURITY NUMBER AND USE OF SUCH WITHOUT MY CONSENT OUR AUTHORIZATION IS IDENTITY THEFT! They have violated many laws in FDCPA and I will be pursuing them in litigation if they do not remove these inaccurate and unvalidated accounts from my credit report. This company is in violation of many FDCPA laws including 15 USC 1692g. I want these items removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Wednesday, XX/XX/2023, I attempted to transfer money from my mobile banking app using XXXX. I attempted to transfer {$430.00} to my uncle. I got a message stating waiting for recipient to enroll. I canceled the transfer and the cancelation was approved. However the money was deducted from my account and has not been credited back to my account. I have contacted Huntington Bank and filed a dispute claim but they have not resolved the issue. I have spoken to several people with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent 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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: VT

Complaint narrative:
I have been banking with chime for over ten years, and their treatment of me the last three  days has been at best reprehensible and most likely criminal. 

Friday XX/XX/XXXX at XXXX eastern standard time I placed an order with with XXXX . The amount of the debit hold was {$320.00}. That transaction was canceled by the merchant less than 10 minutes later. I resolved the issue immediately and completed my order this time for about XXXX dollars. That transaction was processed and settled without issue. 

Normally in a situation like this its not an issue, generally those funds are returned to me rather quickly so I thought nothing of it. Monday evening came and went with my money still not returned to me. 

Tuesday I reached out to chime to ask them what the hold up is. They first told me 3-5 days. Then they told me that XXXX hasnt released the hold. So of course I reached out to XXXX who told me in writing that they released the hold I then reached out to chime again, and was transferred around to no less than 15 people over the course of XXXX  hours. None of them did anything. 

Now were into Thursday and another entire day of me being lied to and gaslighted. 

We are more well into Friday and chime refuses to return the money they stole from me. This needs to be resolved and never allowed to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Commencing on or around XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX, XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firms. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Card was stolen. My debit card was used for a transaction on XX/XX/18 amount of {$190.00} I contacted my banking institution to resolve the issue their reasoning for a decline in the dispute is because the chip was used for the transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have submitted several request for Experian to investigate a few inaccurate items on my credit report. Each time I am met with a notice stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

Even after contacting customer service as they requested, they have failed to properly investigate each item with no proof of verification.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have notice that XXXX is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have notice that XXXX is still reporting closed accounts that were removed from collections to close accounts is a violation of 15 U.S.Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Please DELETE all close accounts. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281, SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such, in fact exist.15 U.S.Code 1666b

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I sent a dispute into the credit reporting agencies. I have not received a response nor has any of my accounts been tagged as in dispute. I received a letter to verify I sent the disputes. However, my information, including my social security, proof of address and drivers license was attached to each letter. 
The disputes were sent on XX/XX/2023. I have attached the original disputes below as well as the letter I received.

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 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! 



By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I disputed a transaction for a charge at a hotel that I did not stay and had to go down the street and get me another hotel the same night because the hotel booked was not working properly and had none working appliances as stated by the attendant. They said they canceled the reservation through XXXX but I never received my refund. I disputed the transaction and bank of america did not honor the dispute, which was not right.

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 2023-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CT

Complaint narrative:
In XXXX, I submitted a PSLF Employer Verification Form for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX . Both employers have the same Federal Employer Identification Number. The average weekly hours I worked for both employers, from XX/XX/XXXX to XX/XX/XXXX, totaled 32. 

After several calls to Mohela customer service, complaints to CFPB, and complaints to XXXX, Mohela responded with incorrect information and only partially certified employment. No additional PSLF qualifying payments were granted.

According to PSLF rule changes effective XX/XX/XXXX, " For PSLF, youre generally considered to work full time if you meet your employers definition of full time or you work at least 30 hours per week, whichever is greater. If youre employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers. '' I called Mohela customer service on XX/XX/XXXX, spoke with a representative, and I was told, " yes, these are eligible employers. You should receive credit for PSLF from XX/XX/XXXX to XX/XX/XXXX. 11 total payments. We will up date this in 5-7 business days. '' It is now past 7 business days, and no action has been taken on the account. 

In addition, on XX/XX/XXXX, I submitted another PSLF employer verification form for XXXX XXXX XXXX. Again, this is the same Federal Employer Identification Number as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I am attempting to certify the employment period of XX/XX/XXXX to XX/XX/XXXX. During this time, I worked for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for a combined weekly average of 31 hours, and should receive PSLF credit for 16 payments.

The customer service logistics of MOHELA are extremely difficult to navigate, and while it appears customer support is logging information and taking care of forms, my experience is that no one is actually processing this information. 

Since MOHELA does everything in business days, this is an important fact to add : It has been 188 business days since I made my original request to verify employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
HISTORY OF COMPLAINT - ON XX/XX/2023 I MAILED A PROMISSORY NOTE TOO XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK. ATTENTION CFO XXXX XXXX BY U.S. POSTAL MAIL RETURN SIGNATURE PROCESS. THE PROMISSORY NOTE ARRIVED ON THE XXXX OF XX/XX/XXXX  AND WAS SIGNED. THE CONTRACT IS NOW OPERATIVE AS OF XX/XX/XXXX. XXXX  TRUIST BANK IS HOLDER IN DUE COURSE OVER THE NOTE. I HAD ASK THAT TRUIST BANK ACCREDIT MY BUSINESS ACCOUNT, BECAUSE MY BUSINESS NEEDED THESE FUNDS FOR MASS MARKETING, HIRING OF KEY EMPLOYEES, TRANSPORTATION. FIRST TRUIST BANKS HAD TWO EMPLOYEES SAY THEY NEVER RECEIVED THE PROMISSORY NOTE ALTHOUGH A TRUIST EMPLOYEE SIGNED FOR IT. THEN THEY HAD SEINOR VICE PRESIDENT XXXX XXXX OVER BUSINESS BANKING AT XXXX MADE ME BELIEVE THEY WHERE GOING TO ALLOW ME TO TAKE OUT A LOAN FOR THE AMOUNT OF THE PROMISSORY NOTE. THEN TRUIST BANK TURNED AROUND AND CLOSED MY BUSINESS ACCOUNT AND PERSONAL CHECKING ACCOUNT PERMENTLY ACCORDING TO THE LETTER THEY SENT OUT ON ABOUT XXXX XXXX. THEN ON ABOUT XX/XX/2023 SENT OUT A LETTER FOR {$440.00} FOR UNPAID CHARGE-OFFS. 
LEGAL MEMO- THIS PROMISSORY NOTE WAS PRESENTED AS A DEMAND DEPOSIT IN CONTRACT FORM TO TRUIST BANK AS AN EXCHANGEABLE ASSET TRUIST BANK ACTING AS PAYOR IN THE TRANSACTION. 
THIS PROMISSORY AGREEMENT TENDER LAWFULLY BY XXXX XXXX XXXX XXXX MANAGING PARTNER OF XXXX XXXX XXXX. ORIGINATOR OF THE FIRST PAYMENT ORDER IN THIS FUND, SHALL BE EVIDENCE AS A ASSET TO TRUIST BANK. ( UNIFORM COMMERCIAL CODE>3-108. PAYABLE ON DEMAND AT A DEFINITE TIME. 
BANKS ARE REQUIRED TO ADHERE TO GENERALLY ACCEPTED ACCOUNTING PRINCIPLES PURSUANT TO TITLE 12 CODE OF FEDERAL REGULATION 621.2 ( A ) ( 9 ) GAAP FOLLOWS AN ACCOUNTING CONVENTION THAT LIES AT THE HEART OF THE DOUBLE ENTRY BOOKEEPING SYSTEM, CALLED TH MATCHING PRINCIPLES. THIS PRINCIPLES WORKS AS FOLLOW, WHEN A FINANCIAL INSTITUTION ACCEPTS A PROMISSORY NOTE, DRAFT OR ANY OTHER SIMILIAR INSTRUMENT FROM CUSTOMER AND DEPOSITS OR RECORDS THE INSTRUMENTS AS A ASSET IT MUST RECORD OFFSETTING LIABILITIES WHICH REPRESENTS THE AMOUNTS THAT THE BANK OWES THE CUSTOMERS FUNDS ACCEPTED FROM CUSTOMERS. 
THE PROMISSORY NOTE ARTICLE # XXXX XXXX XXXX XXXX XXXX THE SIGNATURE CARD TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX TRUIST BANK SHOULD HAVE TO SEND ME A CASHIER CHECK FOR XXXX XXXX THE AMOUNT OF THE PROMISSORY NOTE THEY LOST. LEGAL NOTE- UNIFORM COMMERCIAL CODE 4-103 SUBSECTION 5 : THE MEASURE OF DAMAGES WHICH OCCUR DUE TO A BANKS FAILURE TO EXERCISE ORDINARY CARE IN HANDLING AN ITEM, MAY RESULT IN OTHER DAMAGES SUFFERED BY THE PARTY AS CONSEQUENCE

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I contacted Bank Of America on XX/XX/2020 about an unauthorized withdrawal of my account in the amount of {$15000.00}. Upon contacting them the moment I realized the problem, I was told that I had to order a new set of cards because my accounts have been breached and that this was the only way to secure my account. so I went ahead and order new cards as well as opened new account numbers per Bank of America 's wishes. upon doing so I was told that the video footage from the Bank of America would be accessed so that they could review it to make sure it was in fact a unauthorized transaction. Once I have done this I thought that I was in good hands. Only find out that that was not true in fact here we are just about two years later and I've received several harassing phone calls from reps and no mail correspondence from them at all on this matter. I've been down to the bank in person but couldn't get any in-person help I've called over the phone to only get belittled on knowing what I'm talking about as well as now every account I've had with them forcefully closed and I have no access to the records of the transaction. the money taken out of my account was for my kid 's school programs clothes XXXX and things of the sort .... I didn't expect customer relations to be so harsh and direspectful dealing with there customers.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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