vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I was using XXXXXXXX XXXX to sell a watch. I was scammed by a XXXX user who created a fake XXXX business account. I was told to send {$500.00} to initiate the transaction so he could send the amount back. I was tricked. I am international student here in the US and little was I aware about these scams. 
This transaction happened on XX/XX/2022. On the same day I had reported Bank of America fraud department ( my financial institution ), I also filled few forms, written emails to XXXX. Apparently, XXXX has never responded to me. 
Bank of America has taken my complaint. They took 45 days to get back to me to say that they weren't able to resolve the issue as I authorized the transaction. 
I am very nervous about how my financial institution is not able to help me. I barely meet my living expenses, this situation is pushing me to more debt.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
From XXXX to XXXX the loan balance was incorrect. This loan was from XXXX. I owe the XXXX. But XXXX falsely put on my report that I owed over XXXX. And they continued to do this. I want the account information removed 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft and this account is not mines. i have called the company and credit bureau multiple times to get it removed and block. please remove this account asap please. This account opening dates also do not match on my credit report.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX I have not done any business with this company since around 2007. I have disputed this account on my credit reports and it's deleted, but then shows back up again as a collections account. This is a fraudulent 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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX equifax and XXXX and nothing is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Havent seen my credit since XXXX of XXXX I call the bureaus trans union XXXX and XXXX and nothing is reporting.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Havent seen my credit since XXXX of XXXX. I call the bureaus XXXX XXXX XXXX and experian and nothing is reporting.

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 2022-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is related to my newly opened Checking and Savings account in USA as I reached here on XXXX on work permit for my Employer XXXX XXXX. 

I have opened my Checking and Savings account in Chase Bank. On XXXX I have uploaded a Check provided my by Employer XXXX XXXX through Chase XXXX XXXX. From the next day XXXX Check funds worth XXXX has been put on hold by Chase Bank. 

After that I tried multiple times to reach out Chases Customer Support team to get the issue resolved related to hold on my account. They wanted to verify my Check and was asking the phone numbers of Employers Payroll Department which I did and even other available contact numbers. However theyre not calling or saying this number we cant call because of their policy. Instead theyre saying theyll close my account with whatever funds available. 

Chase bank has already incashed the Check and told me theyll freeze my account with the funds available {$2400.00}. I and my Employer has already provided whatever they asked. 


Please look into this matter to help me out and get my funds back. This was my first Paycheck and really very important for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
When the student loan interest forbearance started in XXXX of XXXX I had {$23000.00} in subsidized loans owed to Edfinancial. On XX/XX/XXXX of XXXX I made a payment of {$5500.00} and then again on XX/XX/XXXX of XXXX I made another payment of {$5500.00}. I then had {$12000.00} remaining in loans to be paid. 

Under the CARES Act I should be able to request a refund for those payments I made to Edfinancial and on XX/XX/XXXX of XXXX I called Edfinancial to request a refund of {$8000.00} from the {$11000.00} XXXX paid since XXXX of XXXX. Edfinancial has put the refund into their system but offers no confirmation of that refund so I have so record of the request other than when I call and the customer service rep manually looks in their system. On top of that, no rep that I spoke to was able to give me a timeline of when the refund might be processed, when my new balance would show up in my account, or when I might actually get the refund. 

From looking at what others are saying online, the reps that do give a timeline are saying that the refunds will take up to XXXX days and they also get no email or paper trail confirmation. If that timeline is true ( which again I can not confirm because I was never even given a timeline ) it seems insane that it would take that long given that the CARES Act passed 2.5 years ago. When I pay them the money is out of my account within a day and yet when I request back money that they are legally required to return to me all they do is shrug and say you'll get it at some point I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, 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: KY

Complaint narrative:
The car lot i traded my vehicle too over the past couple years has ran my credit multiple times. 8 times within one week. They just ran it again XX/XX/XXXX without my authorization. I have never had a missed payment or high utilization. My credit score has dropped tremendously due to XXXX hard inquiries when i should only have 3-5 if that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to dispute an issue with Comenity Bank in regards to a credit card account that has been inaccessbile for months. I received emails notifying me that a payment is due, however, the system won't let me in because the phone number or website has not been working for months and in addition they are erroneously charged late fees for months. I have called the Customer Support number and inaccessible to customers I would like this corrected, late charges refunded as soonest possible and be able to speak to an agent to close the account as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
XXXX XXXX, after a total loss leased vehicle, keeps all settlement monies even if the payoff amount is less than the settlement. There have been numerous claims that I have worked on that XXXX XXXX is the XXXX. They demand that the whole settlement amount from the insurance is theirs even though the payoff is less than the settlement. My clients are getting robbed by XXXX XXXX. The insurance companies side with them stating that it is in the contract. Just because it is in a contract that no one really reads, the fine print, doesn't mean it's lawful. Please investigate XXXX XXXX as it is really unfair for them to keep the equity that is owned to the people.

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 2022-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-14 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: EQUIFAX, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 5 U.S.C. 1681 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TX

Complaint narrative:
Received notice from American Coradius International LLC concerning a XXXX debt for {$2600.00}. 
XXXX. I have never had a XXXX credit card. 
XXXX. My account number is nowhere near the same account number they represent. 
XXXX. XXXX has my transaction records that show my expenses, and there have not been any fraudulent activities since 2001. 
XXXX. The letter describes " XXXX XXXX XXXX '' when the actual name of the business is " XXXX XXXX XXXX ''. 
XXXX. I have all three credit companies that I review at least once a week ; XXXX, XXXX, and XXXX. There is no fraudulent activities shown on any of them for the last 6 years. 
XXXX. I have my credit locked by all three companies. 

This is an attempt to obtain money when there is no evidence of inappropriate purchases or another credit issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of this account on my credit report from XXXX XXXX XXXX ( Account # XXXX ). This account keeps getting ownership changes from one collection company to another. They are playing games with the dates opened, which is violation of the FDCPA. I have disputed the accuracy of this account before under different collection agencies. They have apparently sold this account and changed the open date to a more recent date this year. This is a violation, and confirms that they have no other interest other than to harm me financially.

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 2022-09-14 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: TN

Complaint narrative:
In response to a hand written update information letter sent XX/XX/XXXX and received by certified mail XX/XX/XXXX to XXXX with tracking XXXX XXXX XXXX XXXX XXXX, also a letter to XXXX sent XX/XX/XXXX and received by certified mail XX/XX/XXXX at XXXX am, and also a letter to Experian sent XX/XX/XXXX received by certified mail XX/XX/XXXX at XXXXXXXX XXXX on XX/XX/XXXX i received in response to my letter Report number XXXX to validate information. 
the letter stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Experian, XXXX, and XXXX, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 
Delete Names and Addresses reporting inaccurately Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Single family XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. 
Experian, XXXX, and XXXX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

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 2022-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX Your company responded to my complaint with the CFBP stating that the incorrect account from XXXX XXXX has been deleted. As of XXXX this incorrect account from XXXX XXXX is still reporting to my credit file as should be removed as soon as possible. I am making a formal complaint that you are reporting inaccurate credit information. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I am distressed that you have included the below information to my credit file, your organization has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Under the laws of the FDCPA, I have contacted the collection agencies myself and I have not been able to get them to respond or to verify that the debt is indeed mine. The FCRA Requires you to verify the validity of the information you have placed on my credit file. If the validity can not be verified, you are obligated BY LAW to remove this item. There is a clear case of unverified debt here and I urge you to remove this item before I am forced to take legal action. My lawyer has advised me to file an FTC report, which I have done so. Our next step will be to bring this information forth to a judge in my area, while I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. The following accounts are the result of the XXXX XXXX XXXX which my information was a part of, I have attached legal documentation to this letter. I look forward to a fast turnaround.

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 2022-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I never made this accounts i have 2 fraud opening accounts under this company name Upgrade Inc. I have called them and put a investigation to have this resolved. 

First account fraud made Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months Second Fraud account activity on my credit report Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I have called Chase over and over. Right after signing up, I called a customer support representative and they affirmed that I signed up for the benefits I was looking for. This call was recorded. They said it does not matter and their escalation called based on XXXX single phone called provided no false information so there was nothing they would do. But what about all the other phone calls with contradictory info? They also said a benefits letter would be sent to me. Also recorded. This was not received. There were also other representatives that guaranteed that the benefits they spoke to me were absolutely there and I had nothing to worry about. They even went as far to say it was a recorded line as confidence towards me. Apparently what they said was a lie. There has been too many hours spent on the phone for an offer that some Chase employees said there was absolutely no other offer available but somehow I got another offer that apparently was not said offer. So which is it? The whole purpose of signing up for this card was the gas credit and the XXXX credit off XXXX. I drive far for work and this was the most enticing part. 

They even had the ego to tell me the offer I have now is much better than that. So if I spend XXXX and get XXXX XXXX back is somehow better than XXXX cash back off XXXX and 5 % on gas up to XXXX which is another XXXX. So spend XXXX and get XXXX or the offer they put and spend XXXX to get the same XXXX. How insulting can they be? So what is going on here? Multiple representatives on phone calls that have been recorded. Where was this policy changed?

Company response to consumer: Closed with explanation