vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/2022 I purchased XXXX items at a store called I love XXXX XXXX XXXX XXXX XXXX XXXX Florida. The price tagged on the items totaled XXXX $ however my credit card was charged {$310.00}. The store cashier refused to refund my money or give me a receipt. I called the police to the store and I was told this was a civil matter and nothing they could do but they did give me a case XXXX XXXX XXXX XXXX. Per the officer this store preys on tourist and they are called frequently to the site. I disputed the charge with Bank of America who stated since I did not have a receipt they could not reverse the charge. Despite me submitted the police report, written affidavit, and copies of reviews online from numerous customer have been defrauded in the same way. From what I read according to the Consumer Protection Act Bank of America is supposed to protect me from this type of activity and reverse the charge. The store did not submit any information to Bank of America refuting my dispute.

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 2022-06-01 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: PA

Complaint narrative:
I recently read through a copy of my credit report, and I saw addresses on there that are not correct. I looked up your website and I have enclosed the proof of current address that you require. The only address that should be listed is shown in the image below that's reported from XXXX. I also would like for you to correct the spelling of my name. There should absolutely not be any variations of my name because it is spelled one way and one way only. Please send me an updated credit report as soon as you have deleted the inaccuracies listed above. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/1977 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$290.00} at XXXX and agreed to a promotional payment offer made by Comenity bank. The offer was XXXX interest if paid in full by XX/XX/XXXX. I made payments each month in a timely fashion, and they cashed each check I sent, however they failed to post 2 of the checks to my account. I caught the 1st missing payment on Sunday XXXX. I immediately called and messaged to them on their website with copies of the check. On XX/XX/XXXX I caught yet another check that they cashed and had not credited to me. Once again I called and sent a message to them. I was advised by a customer rep on the phone that I would have to pay the amount again ( basically overpay my account ) for the missing payments while they research the problem so as to not get hit with the accrued promotional interest. I did this on XX/XX/XXXX. I checked my account balance on XX/XX/XXXX and it was XXXX. They then proceeded to bill me {$26.00} for accrued interest. (?? ) They have since credited my account for the missing checks but not the XXXX in interest. I paid this so as to not have my credit score hit, but here I wait to get it back all I hear is crickets from Comenity. Hoping you can intercede and get this money back. This is not a lot of money. But this is stealing. This company needs to held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-01 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: VA

Complaint narrative:
I recently received a copy of my credit report and I noticed multiple billing errors. 

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. If you can't apply that information then it is false allegations and you are in violation. i am entitled to {$1000.00} per violation.

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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
It was a XXXX credit that was sold to portfolio recovery in 2019. I have been get harassing phone call everyday since they buy it from XXXX credit. Call everyday even twice a day or more while at work. Now call me under different numbers, I want them proof it was my debit. Because XXXX credit or even XXXX get hacked. But I try to settle the the debt for less. They refuse it 3 times in one day. I said they use their harassing phone call be a XXXX dollar a day, of course they did not hear that. The debt is XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: IN

Complaint narrative:
I do not owe any debt to Southwest Credit Systems , L.P . 

They are a third party debt collector and have damaged my credit under false pretenses. 
I have NEVER did any business with this company and do not have any contractual agreement to pay these people. I have NOT ever agreed to pay southwest credit systems. They do not have any contract with my signature upon agreement to pay them. they have damaged my credit and is in violation of 15 U.S.C. 1681b permissible purposes. I did not give them any permission to report anything on my credit report damaging and defaming my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: PA

Complaint narrative:
I don't believe that there's been an actual investigation on these accounts and you've failed to furnish any documentation that prove they are reported correctly. Because of this, I need for you to perform an independent investigation and go beyond the original source of information to ascertain the accuracy of my accounts. I would also like to see any and all documentation that was used in the previous investigation as well as the documentation that you are required to have on file prior to the reporting of this account to ensure accuracy. I am getting really frustrated, because you keep telling me that I'm wrong when I'm sending you info taken directly from my credit report! This is exactly what you are reporting and I'm pointing out the errors, so how am I wrong when it's what you're showing me? Explain to me how these can be verified, then updated and continue to report inaccuracies? Delete the following from my credit report immediately! 

XXXX # Transunion date last active XX/XX/XXXX. Last payment date XX/XX/XXXX DELETE XXXX  XXXX # Last active date XX/XX/XXXX. Last payment XX/XX/XXXX. DELETE XXXX XXXX # Transunion last date active XX/XX/XXXX. XXXX last active XX/XX/XXXX. DELETE XXXX  XXXX # Account opened XX/XX/XXXX. XXXX open date XX/XX/XXXX. DELETE XXXX  XXXX/XXXX  XXXX XXXX # XXXX reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE THE XXXX # Transunion active date XX/XX/XXXX. XXXX active date XX/XX/XXXX. DELETE XXXX  XXXX  XXXX # Last reported XX/XX/XXXX. Last active XX/XX/XXXX. DELETE XXXX XXXX XXXX # Last report and last active date the same. DELETE XXXX # XXXX last active XX/XX/XXXX. XXXX last active XXXXTransunion last active XX/XX/XXXX DELETE XXXX XXXXXXXX # Last report and last active the same date. DELETE XXXX XXXX # Provide proof of open date. DELETE XXXX # Credit limit {$200.00}. Credit high {$400.00} DELETE FST XXXX # Credit limit {$400.00}. High credit {$700.00} DELETE FST XXXX # Credit limit {$300.00}. High credit {$510.00} DELETE XXXX # Credit limit {$300.00}. High credit {$630.00} DELETE

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 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 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 non-monetary relief
Consumer complaint received 2022-06-01 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: MD

Complaint narrative:
This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 Equifax I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

I

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 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: MD

Complaint narrative:
This is a real live person just trying to live their life. Within my right as a citizen I am trying to refinance my home and purchase a car. Because of the XXXXXXXX XXXX XXXX XXXX  my score is still going down. 

Explain. I opened a XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  for use for my grandchildren. Shouldnt be anyones business. Immediately reported on my credit report. 

I opened an XXXX Account for business. I got hit with points for opening new accounts I paid down accounts got XXXX points Put in an application for a car loan a couple of places- got points taken away Creditor pulled XXXX I got rate of 6.95 XXXX I got rate of 9.25 Put in for a home loan - got points taken away XXXX XXXX XXXX is still reporting the Balloon Payment I previously disputed! 

Whats Fair about this?

I

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 2022-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I lost my job due to the pandemic. I applied for mortgage assistance with citizens bank three times and was denied. I reached out to my local HUD office and applied for HAF ( homeowners assistance fund ) in XX/XX/2021 Citizens has failed to complete the onboarding process with HAF. After reaching out to Citizens multiple times and being told by multiple departments that someone will be looking into it, I received a letter from citizens bank that they have began the foreclosure process on my home. I have since reached out to citizens bank, their foreclosure lawyers and HAF and HUD to no avail. This has been almost a year of back and forth communications with multiple agencies that have not been able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I purchased this car in XXXX of XXXX  and my Retail Installment Sale Contract Simple Finance Charge states the payment schedule was 72 months. The original loan amount total is XXXX. My payment is XXXX. I did place XXXX payments on the back for the duration of the loan, but they are saying I still owe a balance of XXXX. There is no way possible that I should still owe this amount. I can get that I still owe XXXX for the XXXX payments on the bank but there is no way I should owe XXXX, this would almost make me pay for the car twice. The interest rate on the loan is XXXX. This is predatory lending and false information based on what I signed. The car was purchased from XXXX XXXX XXXX XXXX and the purchase of the car was only XXXX dollars. The lender stated something about a daily interest and there was nothing discussed in regards to daily interest. This again is predatory lending. My account should only have a balance of the XXXX payments. I should be paying this account this year, but I will still go well into next year. This can not be legal and fair

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 2022-06-01 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: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX I have been trying to submit a dispute for a number of days since my credit score was dropped XXXX points on XX/XX/XXXX FOR PAYING OFF A CONSUMER LOAN IN FULL AND ALMOST {$4000.00} IN CREDIT CARDS WHICH IS INEXCUSABLE CONSIDERING THE 5 PLUS POINTS ON THE PREVIOUS DAT FOR A {$470.00}, PAYDOWN OF ONE OF THE REMAING CARDS IN THE {$4000.00} paid en total.. FROM XX/XX/XXXX on the system will not recognize a valid log in and immediately blocks me for XXXX hours when I have attempted to LOG IN THE FIRST TIME.This pattern has occurred on every attempt : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, and XX/XX/XXXX. XXXX.It represents a willfull and intentional action to block my right of dispute under the FAIR CREDIT REPORTING ACT HERE IS THE SECOND VIOLATION OF MY RIGHTS- I have tried the telephone dispute and have encountered the same blockage. I go through XXXX minutes of useless recorded banter attempting to divert me back to the web site that is blocking me-And finally hear that I can not be helped at this time. I have called 2-3 times a business day during the listed hours. SO-I CAN NOT EVEN DISPUTE OR GET ANY ANSWER AS TO WHY THESE HYPOCRITES VIOLATE THE VERY BASIS FOR THIER POMPOUS CLAIMS ABOUT HOW PAYING ON TIME : AND LOWERING DEBT RATIOS IMPROVE A PERSONS CREDIT SCORE. THE REASONS THEY GAVE AFTER ALL THOSE PAYDOWNS AND PAYOFF WERE : TOO MUCH REVOLVING DEBT : AND PERSONAL LOANS ( S ) I ONLY HAVE ONE PERSONAL LOAN ETC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
BSI Financial took over the processing of our FHA mortgage in XX/XX/XXXX. Shortly after, the pandemic struck. We were permitted to take advantage of the FHA-sponsored forbearance for 18 months. Whenever we tried to contact BSI about how to proceed with resuming payments, we would never get a call back. 
We began making payments in XX/XX/XXXX and have never missed a payment since. BSI finally contacted us in XX/XX/XXXX to offer a modification, " Option 1 '' or " Option2 ''. We selected option 2 and completed all the proper documents, had them notarized and returned to BSI via XXXX. BSI representatives have stated that they received the documents on XX/XX/XXXX. Our mortgage payments were to resume on XX/XX/XXXX. 
Instead, BSI sent us foreclosure documents yesterday. They notified the credit bureaus that we are both now 180 days late. My XXXX  credit score went from XXXX to XXXX on one day last week. BSI did the same thing last year and quickly corrected their error. This time they have not done so.

BSI representatives will send emails to our " representative '' who then never responds.

We have all of the documentation showing the modification approval and yet BSI is demanding {$36000.00} or they will foreclose on XX/XX/XXXX. 
The last BSI representative I spoke with said our payment was due on XX/XX/XXXX. The documents from BSI all state : " First Modified Payment Effective Date : XX/XX/XXXX ''. 
I called BSI today and the agent said that our representative and her supervisor are both busy. I left a voice mail with a VP, perhaps ; who knows?

As usual, I do not expect a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On Tuesday, XX/XX/2022 I went to the drive thru of the 5/3 bank at XXXX XXXX XXXX in XXXX XXXX, Il. WHile there, I asked the bank teller instead of giving me cash, to please make my withdrawl into a Money order or casheirs check, which ever is cheaper. She said for that I would need to come in, I stated to her that I am on crutches and can not. When I filled out my witdrawl form I clearly marked and signed to withdraw my money from my savings account. 
On Wednesday, XX/XX/2022 I received my bank alert and checking account had a negative balance. Iimmediatley figured out that the bank teller withdrew from the wrong account. I checked my my accounts and the bank teller certainly did withdra my money from the wrong account. After nearly 30 minutes of speaking to another bank teller and I myself ttransferring my money from the savings to the checking to get out of the negative balance, the teller still refused to rectify the situation by returng the negative money that I am now out. However, after clearly stating to him that I will close ALL my accounts, he did admit the teller was in error and they do have the signed withdrawl form with SAVINGS marked. All I want is the money that I now lost because of this bank teller and her error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX I applied for a capital one Walmart credit card to receive the 5 % cash back rewards at Walmart .... I have an XXXX credit score and earn close to $ XXXX a year ... All of this is in my application for credit. They approved me for only {$500.00} which is not only very low, but also not conducive to my credit worthiness and income... The credit limit is so low that it actually hurt my credit score MORE THEN it helped by opening this account. You see, typically your utilization rate decreases when your overall credit limit is increased which nets a positive impact on your credit score .... However the inquiry offsets that positive with a negative .... In this case, that inquiry 's negative impact was greater than the positive impact solely because of this incredibly low limit. I tried to reach capital one about it and apparently they can not even find me in their system, i have attached a copy of their letter to me stating this... So no resolution can be found with them under current conditions.

NOTE : I filed a CFPB Complaint about this incident to which Capital One had lied in its reply that they contacted me. CFPB in their infinite wisdom closed this complaint without any resolution ....

If you close this complaint again without resolution or communication I will be forced to pursue litigation as you seem keen on avoiding mediation.

Company response to consumer: Closed with explanation