vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 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:
I have multiple unauthorized inquires on my credit file. I have attached a copy of my etc report as well. 

XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX bank ) XXXX Bank XXXX bank ) XXXX Bank  XXXX XXXX XXXX bank ) XXXX XXXX  ( finance ) XXXX XXXX Bank ( bank ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( bank ) XXXX XXXX ( finance ) XXXX XXXX ( finance ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( auto XXXX XXXX XXXX Of XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( finance ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Bank )

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 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
During XXXX of XXXX and despite my account information being on the wire advice Bank of America misdirected a wire transfer payment from XXXX in XXXX to me/my XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX EIN : XXXX ) to an unrelated entity, XXXX XXXX XXXX I was able to correct the banks mistake by getting a check from the unrelated entity so there was never any correction at the bank. Subsequently, Bank of America forcibly closed my personal and business accounts in XXXX despite my XXXX years of business with the bank including a satisfied mortgage obligation. Then in XX/XX/XXXX, I was unable to open a personal depository account at the bank and the business account that I was able to open was forcibly closed by BofA on the very next day. More recently in XX/XX/XXXX, I was denied opening any accounts at Bank of America without explanation. Based o the earlier wire transfer mistake and the banks not accepting any new account for me, and my significant past business with XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX, XXXX of whom pay by wire transfer, I believe that several past wire transfer payments intended for me or my business were credited elsewhere that Bank of America now does not want to repay.

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 2023-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX was letting recurring monthly charges of XXXX?? go to my credit card. When I received a statement in the mail, I discovered it. I tried to log into my online account but had been locked out several months prior due to suspicious activity. I called and reported fraud. They removed the charges and reimbursed me the XXXX per month I had been paying. I later received a letter that the charges were mine. I disputed it again, and again they said the charges were mine. When I talked to the IT department, trying to get back into my account, I asked him : If these charges were suspicious enough to lock me out of my online account, why were they allowed to continue letting the charges go through every month? He said they were " separate departments. '' While I was on my online account, a new phone number had been added ( during the time I was locked out ) and a new zip code had been added to my address, which was a po box XXXX XXXX  XXXX XXXX said that it would show in my credit report that I dispute this. I just received a letter from Firstsource Advantage , LLC. I called them and spoke to XXXX XXXX who transferred me to his manageXXXX, XXXX XXXX, I explained the situation to him, and his reply was there is nothing he can do about it. The total debt is XXXX, and it is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2023 I sent Equifax a letter informing them of unauthorized collection on my consumer report. I requested them to be removed from my consumer report they have not responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOEXXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a 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 explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
After pulling my credit report I notice that there is a car loan on my report for {$37000.00} creditor Regional Acceptance. I no longer have this vehicle, nor tag etc. This account was closed as stated on my XXXX report as of XX/XX/2021. This is hindering me from getting another loan due to the large amount says owed. This is the only bureau in which this loan appears on and I am requesting it be 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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I returned a XXXX  to music and arts store in XXXX, LA in XX/XX/XXXX. In XX/XX/XXXX, a collection hit my report saying that I owed the full cost of the XXXX XXXX  even though I have the receipt saying I returned the merchandise and the worker told me I didnt have a balance. I have called the store, the collection agency, and tried to dispute online. No information could be given as to why this happens.

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 2023-04-12 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: SC

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-12 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: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month. 

I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account. 

On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response. 

I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.

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 2023-04-12 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: EQUIFAX, INC.
State: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Opened TARGET  credit card XX/XX/XXXX - XX/XX/XXXX = made payments as agreed, no late fees XXXX XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX payment due date was XX/XX/XXXX made payment of XXXX $ late fee access the same date for XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ ENTERED PAYMENT PLAN XX/XX/XXXX payment XXXX $ XXXX late fee XXXX XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX payment XXXX $ XX/XX/XXXX late fee XXXX $ I realized that I was being charged a late fee even being on their payment plan, I called and they said that I still accrue late fee even on the payment plan even though paying XXXX $ Late fees have fluctuated since that dates as follows and I have not made a payment as I have been unemployed since XX/XX/XXXX XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ XX/XX/XXXX late fee XXXX $ Balance claim is = {$780.00} my credit line was XXXX $ -- the total in late fees since XX/XX/XXXX is XXXX $ alone this does not include the interest that has accumulated I tried to contact them and I can not get through to a representative I made three XXXX $ payments that would of had the account nearly paid off, was never told that my account was considered late every month regardless if I was making attempt with the hardship payment plan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: LA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH
AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2022 XXXX XXXX remitted payment to me XXXX XXXX XXXX ( XXXX ) and my single member LLC, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) in the amount of {>= $1,000,000} ( XXXX XXXX XXXX Dollars ). The payment was received by Wells Fargo into my correct account XXXX but at an incorrect amount of {$0.00} ( XXXX Cent ), indicative that bank personnel affected an offsetting net-zero debit transaction to steal the funds and eliminate the reporting requirement for the transaction, but did an inept job of even theft leaving the telltale {$0.00}.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Not the first problem with Bank of America. Their business model is to take money from consumers to which they are not entitled, and then refuse to give it back on a timely basis. 

While the amount in question is not that large, if they repeat this process with thousands and thousands of consumers, it gives the bank funds that they can invest and earn money at the expense of innocent consumers. 

If I did that, I would be arrested and charged with a crime, but Bank of America feels they are above the law. 

On XX/XX/XXXX, I made a {$3500.00} payment to my account ending in XXXX. At that time, the balance was {$3600.00}, with the account in good standing. That same day, I made a payment of {$170.00}, paying the account to XXXX. 

The next day, my account was debited for {$120.00} which was presumably the amount due under the autodebit which was set up to pay the minimum payment, resulting in a credit balance of {$120.00}. OK, I guess that could happen, maybe the debits/credits " crossed in the mail '' so to speak. 

But my issue is, Bank of America REFUSES to give me my {$120.00} back, on a timely basis. My suggestion was, apply the {$120.00} to a {$360.00} balance I have in another account, and they I asked to initiate a payment of {$240.00} so both accounts would - today - be at a XXXX balance. 

Bank of America said, OK, but it would take 1 or 2 billing cycles to do. I understand why this is, again, BofA 's business model it to take funds they are not entitiled to, invest them, and give them back at a future time, making money off the backs of innocent consumers. 

Nice scam, maybe BofA can give seminars on how to scam money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: GLOBAL CREDIT UNION
State: AL

Complaint narrative:
I received an email that on XXXX XXXX, XXXX  Global Credit Union would be changing over, I have been a member for 20 years plus. On XXXX XXXX I went online to input the 3 steps to change over I keep getting error after several trials I stopped. The next day I tried again keep getting the same error then it said your switch has been made. I tried to login but I couldn't, I tried to call GLOBAL Credit Union old telephone number but it was not working. 
On the Webpage there was a new telephone number but it couldn't be working until days later. On XXXX XXXX, I called the new number and got to speak with two people. The first was the clerk he asked for my account number : I gave him the only acct number I knew which was the old GCU account number he called me a name I didn't recognize, ( XXXX something ) I said that is not my name. He then asked for my social security number. He said he had my account. I asked for my balance. It was very low and very wrong I told him the balance is not correct I should have much more money. I also said I knew this switch would cause problems, I asked who do I need to talk with about my balance. I asked him several time before he said I ( he said he was putting notes down about my account ). 
I was put on hold again. The hold times were sufficient so lots of people must be calling in. Finally, I Speak to the higher up person. I explain that I was having problem with account, my account balance is not correct and I can not log in to online banking. He was nice and we went through create an account for online banking. I can see my balance now again I told him that the account balance was low and not correct. I asked to see my account history. He said he didn't have it. I asked ; how can you buy out a company and not have our account history. He said they ( GCU ) only sent the last month of XX/XX/XXXX. That was the only history I could see online. I asked and stated that it was fair that we couldn't see our history. He said I could request the last month history. I said that not going to tell me much info about what went on with my account, He said that was all he could do. 
I received my new account number from the higher up person, that was how our new banking accounts were created. I am thinking if you using the same name ( Global Credit Union ) why create new accounts without the customer there to see the process. What I want : I need the old Global Credit Union to supply me with my bank account history from XX/XX/XXXX until the present date. The Alaska Credit Union that took the name of Global Credit Union should help us save this problem. My monies need to be put back into my account. 
The bank statement online format looked different, faked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2023, via PayPal 's XXXX I tried to print one label for an outgoing shipment. I received an error message after trying to create it. I went back and tried two other times and received the same error message. Unbeknowst to me the payment still went through for the label ( s ) the three attempts. The charge was {$11.00} x 3 ( {$34.00} ) and I open a claim on all three of the charges. PayPal closed the claims and says no error was made yet if there was none I would have all 3 labels able to print in the portal. They basically stole the money and ran with it. I would like my refund and it placed back in my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a merchant that received a false dispute for a charge through the XXXX processor. The customer never contacted me for help or a refund. They went directly to JP Morgan Chase and filed a false dispute. I submitted evidence of the validity of the charges and the fact that the cardholder had NOT canceled the subscription. ( The subscription is still not canceled the subscription. ) JP Morgan Chase found in favor of the cardholder, and I pay a {$15.00} fee. How is it right that the institution collecting the fee adjudicates in favor of their customer regardless of the evidence? This is not fair to merchants. There has got to be a reform of this process. The first step should be the merchant has a chance to refund the cardholder without being fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive been a victim of identity theft ... .see ftc report attached

Company response to consumer: Closed with explanation