vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed a series of payments Regions approved, which caused my checking account to be negative. I had previously unenrolled from their Overdraft Protection services. I was informed by the banker I spoke to that Regions has TWO Overdraft policies. A XXXX XXXX and a true Overdraft Protection, which the bank would use their *discretion* to make payments on my behalf. I have declined this service several times. Nearly {$700.00} was taken from my account in Overdraft Fees. 

Additionally, I have a savings account and a secured line of credit. When making payments from the savings account, which has 4x the amount of the payment, they will compare it against my secure line of credit and if it is LESS than the savings account, they will return the payment. 

These are two separate accounts. I paid a deposit to open the XXXX account. As a result, I am getting assessed return fees by merchants/creditors for this fraudulent practices. 

I see back in XXXX, they paid damages based on the same practices. XXXX XXXX XXXXXXXX They would not compensated me for the financial hardship they are creating by deceiving consumers and stealing money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I been lied too since XX/XX/2023. With the misleading info that I am enrolled in overdraft protection service. When this court litigation im involved in. Coincidentally started having difficulties with my checkings account. Multiple problems platinum debit card declining. At branch ATMS Even after making {$200.00} dollar cash deposit. Transaction failed and declined. Mobile phone app Wells Fargo app website. Clearly says my checkings account not eligible or enrolled in overdraft protection service. Making those changes not accessible Mobile app.On several different occasions bankers stay mute speechless. When questioned relating to what the disclosures say in writing. What's going on here I been flagged and my bank account modified. This is very unfair and very inconvenient. According to your guidelines and rules. Unfair banking service should be submitted to your agency in writing.

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 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
We've put in considerable effort to build our credit, so it's disheartening when companies shift blame to consumers for their mistakes. Recently, we encountered an issue with Fortiva, as they unexpectedly removed auto-pay from our account following the passing of our mother in XX/XX/XXXX. Despite our account not being designated for bill payments from our mother, they claimed they were preparing to close it upon receiving notice. The funds in question came from our bank account, not hers. It turns out that their notification ended up in our spam folder, unbeknownst to us. When we requested the removal of the resulting late payment, they refused, insisting that we were duly informed. It's frustrating to see Fortiva jeopardize someone's credit for just {$49.00} a month, an amount we could easily cover without a second thought. 

Moreover, this incident led to the denial of our request to reinstate auto-pay. It feels like Fortiva expects us to make another mistake just to prove their point about our timeliness. 

This is the email for this month to help find account : Dear XXXX, The payment date for your Fortiva Retail Credit account is approaching. Your payment of {$49.00} is due on XX/XX/XXXX. If you have already made your payment, please disregard this email. 

Click here to make your payment now. You may access your account online anytime by visiting www.myfortiva.com/my-account/. 

XX/XX/XXXX Account ending in : XXXX You may also make a payment by : 1. Calling Fortiva Customer Service 2. *Sending a check or money order to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX 3. XXXX Please be sure to include your account number with your payment. 
*Payments will be processed within 7 10 business days. 

Your experience with Fortiva is important to us. If you have any questions or comments, please call our Customer Service team at XXXX Monday through Sunday from XXXXXXXX XXXX. to XXXX XXXX EST ( Eastern Standard Time ). 

Thank you for choosing Fortiva! 

Sincerely, Fortiva Customer Service Please do not reply to this e-mail as we are not able to respond to messages sent to this address. 

The Fortiva Credit Card, Fortiva Retail Credit and Fortiva Personal Loan products are issued by XXXX XXXX XXXX XXXX XXXX, MO. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit monitoring service reported an alert from Equifax on XX/XX/XXXX due to a new address - change of address. I called Equifax on XX/XX/XXXX to dispute this information and the person who took my call would not tell me the origin of what triggered this alert. I asked how to receive a free credit report so I can examine the source of this alert and the person instead tried to sell me a {$20.00} per month Equifax monitoring plan. I ended this call and tried to obtain my free credit report from the Equifax website. After I filled out all this information the Equifax website returned an " Oops error '' error that this process can be completed. So I have tried calling Equifax and using their website to obtain a free credit report to understand a possible attempt at identity theft and I am unable to resolve this problem through either method.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Equifax Information Services LLC regarding inaccurate information and unauthorized changes made to my credit report. Despite multiple attempts to address these issues directly with Equifax, I have not received satisfactory resolution, prompting me to seek assistance from the Consumer Financial Protection Bureau ( CFPB ). 

Background Information : I am a consumer who was affected by the Equifax data breach. In response to this breach, I submitted a claim for the extended settlement. Approximately three weeks after submitting my claim, I noticed several unauthorized changes made to my Equifax credit report, which have negatively impacted my creditworthiness and exposed me to potential identity theft risks. 

Issues of Concern : Reinstatement of Negative Accounts : Following my claim submission, Equifax inexplicably reinstated derogatory accounts on my credit report, which had previously been addressed through the settlement process. These accounts were erroneously re-added without my consent or justification, adversely affecting my credit score and financial well-being. 

Reappearance of Outdated Addresses : Equifax also re-added outdated addresses to my credit report, despite my previous efforts to have them removed. These obsolete addresses do not reflect my current residence history and serve no legitimate purpose in assessing my creditworthiness. Their presence exposes me to identity theft risks and inaccurately represents my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Overpaid loan by {$100.00}. Called Capital One 2 separate times. Customer Service will not cooperate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Inquiry- XXXX Date XX/XX/year> XXXX cfpb my name is XXXX XXXX XXXX and im contacting equifax regarding a inquiry thats on my credit profile. This inquiry was open from someone who stole my wallet and information on XXXX XXXX to get something on my credit. This inquiry is unauthorized and is fraudulent. PLease remove this off my credit report. Ive also attached personal documents to this Cfpb report including my identity theft document that i filled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: U.S. BANCORP
State: MN

Complaint narrative:
My interaction with the financial institution 's banker ( via call center ) was over the telephone. 

I asked the financial institution how to stop the upcoming auto renewal of my upcoming XXXX {$5000.00} CD maturity that is accruing interest at 0.05 % per annum and that enters the renewal period on XXXX XX/XX/XXXX with a XXXX grace period. 

I forgot to cancel the auto-renewal on XXXX XX/XX/XXXX during the grace period. My promotional rate was 4.50 % and I earned ~ {$97.00} of accrued interest. Thus, the {$5000.00} CD plus the accrued interest of {$97.00} equaled the new balance of {$5000.00}. 

At the time of opening the original CD, I understood that the CD would renew at the then " current market rate ''. However, I had no clue or suspicion that the then current market rate would be as low as 0.05 % per annum - considering competitive market place and current rates of interest being offered by other financial institutions. The disclosures were inadequate, ill-placed, and not numerically informative. 

I stated that I would be traveling out of the country during the entire renewal period and I requested that it not renew. The online banker told me to set a reminder as there is no way to cancel the auto renewal until maturity and throughout the grace period. 

I then asked what the early withdrawal penalty would be based an early withdrawal of XXXX XXXX. XXXX. I asked what it would be on XXXX XX/XX/XXXX since I would still be in the country. I was told that the penalty could not be computed more than 30 days out. After I stated that would have been good information to have had, I asked to assume that the cancellation would today, XXXX XX/XX/XXXX. He computed that the early withdrawal period would be ~ {$74.00}.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I cancelled several credit cards over the past XXXX years because they changed the rewards programs. Now whenever I apply for a new card they exclude me from all new account promotions. This is XXXX, XXXX and American Express. This has been going on for XXXX years and includes cards that I have never owned. My credit rating is over XXXX for over XXXX straight years. It appears that I have been blackball across the entire industry. This can not be legal. For instance, I had an American express XXXX 's card for 40 years which I closed several months ago because they were purchased by XXXX and the changed the terms of the rewards making it virtually impossible to use their points. I never owned a Hilton credit card and applied for one today and they excluded me from their promotional offer and did not offer me an explanation. I would like a credit card with hotel rewards and have never done business with Hilton although It is sponsored by American Express and I did cancel their XXXX card 3 months ago after 40 years and never missing a payment. They have no appropriate reason to exclude me from a publicly advertised promotion. The same issue came up with XXXX XXXX 9 months ago where they switched my XXXX XXXX to a Thank you card and now exclude me from all promotions even thought both companies emailed me invitations to apply for their cards with new account promotions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CT

Complaint narrative:
XXXX XXXX is is reporting my acct late on XXXX and XXXX. The information is incorrect because my account was never let because they put one month of deferred payment. I need them to update my account to current asap. Thank you.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Farrell Holdings, LLC
State: OH

Complaint narrative:
per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pac Auto Finance, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Upon checking my credit report I noticed Experian added a new collection to my credit report by XXXX XXXX XXXX XXXX XXXX account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX  aka XXXX XX/XX/year> account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXX XXXX attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXX XXXXi aka XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!

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 2024-02-24 00:00:00
Product: Credit 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: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
Months ago in XXXX my ballast blew on my car I bought a universal on for time and convenience. I got a guarantee from XXXX it would fit. It did not. Not at all. I figured I bought the wrong one bought a DIFFERENT ONE. With another guarantee to fit.it did not. Not at all. I requested refunds for both. XXXX SENT ME REPLACEMENTS INSTEAD. I requested refunds AGAIN. Keep that in mind, to even have the items I MUST have paid for them. Okay. They said when I RETURN the items I will get my refund. GRANTED it slipped my mind and I never returned them. yesterday I was RECHARGED for both, informed my card company, current. It was purchased through my XXXX XXXX XXXX They tell me they wont put the balance back and if it ends not in my favor Itll be put into my next months balance so understand theres the original charge ( to accquire ) the second charge ( unauthorized ) and they say if the dispute ends not in my favor it goes in the my next month billing statement as well and thats after a possible 90 day investigation. So TECHNICALLY I would be charged 3 times for that one productThat didnt fit as it was GUARANTEED TO and MY creditor is giving my money out unauthorized. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX promised me a refund I filed dispute after going through many rebuttals I finally got temporary credit. Now chime is stating no error has occurred and that my account will go negative. Which is not true or fair I barely got my temporary credit after so many rebuttals. And I know for a fact a errror has occurred which is why I attached screenshots below. So please dont negative my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am requesting that the reporting of this information be blocked and deleted. THIS REQUEST HAS ALREADY BEEN HONORED BY XXXX, and I have enclosed PROOF showing that the XXXX  XXXX XXXX XXXX account listed here has already been DELETED by XXXX on XX/XX/23.

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 2024-02-24 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: MS

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the 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 2024-02-24 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company response to consumer: Closed with non-monetary relief