vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The problem existed with a Bank America Credit card ending in XXXX and it was recently changed to a new card ending in XXXX. However, I was informed by you to reopen the case and I did. It was turned over to XXXX XXXX at Bank of America she thought it was a fraudulent activity that took place on XX/XX/XXXX. It was written up as a Fraud with the details that XXXX XXXX gave me to confer to the fraud department. My old card ( used in the fraud, ending in XXXX ) was instantly canceled and I was issued a new card ending in XXXX. The money was also refunded. I recently received a message from the bank stating the charges on the old card was made by me and I signed for the charges plus my PIN was used. I will contact the bank on Monday and XXXX XXXX because that particular card does not use a PIN or a Signature. I tried to contact the bank as follow but my email must be block : I read your letter concerning the account ending in XXXX associated with this new account number. However, the letter is inaccurate according to the information given. First : The old account ending in XXXX the information is inaccurate. The card did not have any PIN associated with it and no signature was required then and not required now. 
I have been a victim of Identity theft and apparently, it has been ongoing which can date back to the hacking date and scam date of XX/XX/XXXX. 
I recently had to reopen my federal credentials and federal papers due to a lack of the bank and law enforcement allowing information federally to become public information for scammers. I will contact XXXX XXXX of your bank about the decision of your choice because it has been acknowledged that someone tried and is trying very hard to be me but has no federal credentials for me. Consumer Finance.gov and CAC requested I reopen the case. XXXX XXXX of your bank said it was a fraud. 
You should have reviewed that account, and you would realize it requires no PIN or signature for any transaction. Therefore, you would have to show me my signature and my pin for me to accept your decision. If you can not show me this proof of agreement for the amount in question, I am returning to CAC, the Office of the Comptroller regarding bank disputes. 
I could not get the email submitted nor was I able to dispute the letter or do a rebuttal. I am not sure how to submit but the initial request to reopen this case was from your office and Office of the Comptroller of the Currency. Case # : XXXX I could not get into my account with your office.

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: UPGRADE, INC.
State: FL

Complaint narrative:
upgrade decided to change my credit amount and close my account. but there is an outstanding amount owing to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: NV

Complaint narrative:
Have no knowledge of these accounts. I have filed a identity theft 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Have no knowledge of these accounts. I have filed a identity theft 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 explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
This is a clear violation of 12 cfr 1006 34c and 15 USC 1692. There was no validation of this debt as well as not knowing I could evan dispute this debt. This debt has damaged my consumer report as well as my mode of living. Please remove Credence from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: FL

Complaint narrative:
I requested WorldRemit Corp. to transfer {$340.00} to a family friend 's XXXX account in XXXX, on XX/XX/2023, but it was not delivered on that day as i expected. On XX/XX/2023, i received an email confirmation from them that funds have been delivered, but the beneficiary denied receiving it when i called her. Meanwhile, this is the 2nd transfer that i did to her, the 1st ( sent on XX/XX/2023 ), was delivered successfully the following day. I notified XXXX remit immediately, and they promised to contact their partner in XXXX, but they never got back to me. I kept calling their customer service twice daily for about 5 days consistently, waiting for between 30 minutes to 1 hour before they answered the phone on each occasion, but they kept repeating the same information that they were contacting their partner in XXXX. They later provided some numbers that the beneficiary should take to her bank to track the funds. She went to 2 different branches of her bank and was told that the number provided was useless. I later got a call from WorldRemit on XX/XX/2023 after I left them a negative review on the XXXX XXXX website, they were requesting me to ask my friend to provide her bank statement to prove that she didn't receive the funds, i think that is ridiculous. I worked as a bank cashier in XXXX for almost 7 years, I know how things work there. I presently work as a XXXX XXXXXXXX in XXXX, whenever I send wires to clients, I either provide a screenshot or download a confirmation as evidence of payment to be sent to the beneficiary. I have asked them to do the same for this transaction but I haven't heard from them. Hence my submission of this complaint. Kindly ask them to either provide concrete evidence of the transfer to my beneficiary or refund my {$340.00}.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I. On the day of XX/XX/2023 I downloaded the payoff quote from my Hyundai motor finance online account for the total amount of {$25000.00} including the {$3.00} per deem charge. 

XXXX. Next day, XX/XX/XXXX I paid off the total payoff quote on my account selling my car to the XXXX XXXX XXXXXXXX located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$20000.00} and paying them the surplus of {$4900.00} for the total amount of {$25000.00}. 

XXXX. Even though I paid my total debt with Hyundai motor finance on XX/XX/XXXX I got deducted from my XXXX XXXX XXXXXXXX account what used to be my monthly payment of {$500.00} and this is not even reflected on my payment history and wasnt either refunded. 

IV. The Balance Amount for the XX/XX/2023 was for {$25000.00} and my payment for {$25000.00} was reflected on the Hyundai Finance online account for the XX/XX/2023. Regarding this payment I have serial questions : a. Why if the payment was for a total amount of {$25000.00} to the principal account went just a total amount of {$25000.00}? 
b. Why is Hyundai motor finance charging me {$15.00} for NSF? 
c. If {$25000.00} minus {$25000.00} plus ( - {$110.00} ) of interest, plus ( - {$15.00} ) of NSF equals {$480.00}, why is Hyundai motor finance charging me as payoff quote those {$480.00} when they actually owe me that money? 

V. Since I paid off my total balance, I have been trying to contact Hyundai motor finance customer service phone number multiple times trying to get an explanation on why the credit report stills showing up my XXXX XXXXXXXX debt and why now I have a new payoff quote. 

I tried to contacted them and explained this whole situation 6 times already, and sent them a physical letter on the XXXX of XXXX to the Hyundai Motor Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, according to their website asking them for : I. Please remove the payoff charge of {$480.00} XXXX. Please issue me a refund for the {$500.00} deducted on the auto payment on XX/XX/XXXXXXXX XXXX XXXX 
XXXX. Please close my account after is proved I owe you nothing. 
IV. Please contact me or reply to me through a formal way.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft for some reason they will not delete this XXXX XXXX account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of identity theft for some reason they will not delete this XXXX XXXX  account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have contacted Equifax to investigate an inaccurate account on my credit report. Despite stating an investigation was completed and that the account is verified and accurate, there are still erroneous and inaccurate information regarding this account. 

According to my credit report, the account was charged off as of XX/XX/2022. Since then, the account has repeatedly been updated as charged off every month. Please see the screenshot to the left. 

This is an update in the payment history, which to my understanding, charged off accounts SHOULD NOT include an active payment history. Need I remind you, this also falsely manipulates the statue of limitations. 

I am demanding a deletion of the following account : XXXX XXXX, Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: DriveTime
State: VA

Complaint narrative:
I have been desperately looking for a new car. According to drive time, you input in your information to get personalized terms and vehicles to choose from that fit your credit. My credit is around a XXXX and my monthly income is about XXXX. However the vehicles that I qualified for online are not the vehicles that were offered in store. I asked the representative why that was, and he informed me that the website automatically shows terms for a monthly income of XXXX. So i put in my information, thinking I'm looking at cars i qualify for and according to the in store rep, I really wasn't. It's extremely misleading when everything is advertised as you get a car buying experience that is personalized to you. Going into the dealership today was so upsetting and sad. They had only one car I qualified for based on my income and credit.

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 2023-08-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
In the beginning of XXXX, I closed my savings account with about {$4000.00} still in the account. When I tried to get the funds back, Chase bank stated that they were having trouble releasing the funds to me as the account was already closed. I escalated this issue multiple times and I had gotten some excuse saying that XXXX was making it difficult. I understood and gave it some time. They also stated they would reimburse my balance plus more, making it {$5000.00}. It is now XXXX, and, after multiple promises to release the funds to me, I still do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting 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 a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.

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 2023-08-27 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:
See the attached documents.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects two different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates 15 U.S. Code 1681, in which I may be able to receive up to {$1000.00} for punitive damages for each violation.

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I submitted a complaint against the above-mentioned furnisher of this account and the credit bureaus for reporting inaccurate information as it relates to this account. On XX/XX/XXXX of XXXX, I received the companys response. The company stated that an investigation was completed, and everything was verified as accurate in my credit file. 

Furthermore, I purchased my credit report for XX/XX/XXXX, and recognized that XXXX XXXX and the credit bureaus continue to report discrepancies, after alleging to have conducted a thorough investigation of this account. There are different dates that the account opened : XX/XX/XXXX and XX/XX/XXXX. My credit report reflects that my monthly payments were {$0.00}. The dates that the account was last active are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The comments on my credit report reflect repossession and involuntary repossession. Also, my credit report reflects XXXX different dates that the account last reported : XX/XX/XXXX and XX/XX/XXXX. 

Under the FCRA, this violates XXXX XXXX Code XXXX, in which I may be able to receive up to {$1000.00} for punitive damages for each violation. 

Overall, I am requesting that your corporation remove this account, or I will pursue civil litigation for damages and deceptive practices.

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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was a victim of identity theft for some reason they will not delete this XXXX XXXX  account off my credit report according to the 15 USC 1682 law, there should not be any damages on my report is a defamation to my character as a credit consumer

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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments.

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 2023-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me. 
The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
We reported fraudulent activity on our account, they provided credit at first. Then the said that the charges were valid ( showing us no proof of validation ) and put the charges back on our account and closed our credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation