vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
I Made a payment on XX/XX/XXXX of XXXX My payment of XXXX was not due until XX/XX/XXXX. The payment is not getting credited to my minimum due but to my balance. I am being charged a late fee of XXXX dollars every month even though I have made my payment early. The same thing happened in XXXX I made a payment of XXXX on XXXX for my XXXX statement. My minimum due was XXXX on XX/XX/XXXX again I was charged a leat fee of XXXX even though I paid it early. I believe this has go on since I opened the account however with paperless statements, they only have XXXX stat ent available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My husband and I have files several disputes with XXXX, Equifax, XXXX, and XXXX, about inaccurate information on my credit report. The first time XXXX was reporting all the negative payment history and refused to include the positive payment history. After trying to dispute that, XXXX started placing IN REPOSSESSION for each month for 3 years after the car was repossessed. We sent in another dispute, XXXX, Equifax and XXXX reported the same inaccurate information. We tried to fix the problem by calling XXXX to report the inaccurate information. XXXX told us, they wasn't fixing anything, because everything they sent to the credit bureaus is correct until 2026. We explained that the account cant be still open, if we don't have the car. We also let him know, reporting IN REPOSSESSION for years on our account is not fair. He replied, it is what it is and that is what they will continue to report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: HW Holding, Inc
State: GA

Complaint narrative:
Each month I have reported the discrepancies to each bureau about eh account of Hunter Warfield. The reporting dates are inaccurate on all 3. I never received a full report after requesting it. The amount and reporting of the account does not belong to me and I was never on the lease. After requesting original contract and asking for the dates to be confirmed it was never rectified. I never agreed to the credit bureaus reporting this account, I have no knowledge of this account and It continues to be unheard. 

In accordance with the Fair Credit Reporting act, Hunter Warfield account 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 2023-03-01 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: VA

Complaint narrative:
I have filed 4 hdispute claims with Experian regarding an account with XXXX for {$90.00}. I made a settlement payment to the collections conpany on XX/XX/XXXX and I provided documentation of the payment and a screenshot from XXXX 's app showing the posting of my payment to Experian 3 times. However, eash time my dispute has been completed stating that the company, XXXX, states that the account information reported on my credit report is accurate, which is fraudulent since I have proof that paymement was made and acknowledged by 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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank, XXXX, VA- issuer of a store ( XXXX XXXX ) credit card - keeps on charging me interest and compounding it on a XXXX balance credit card that I have paid off and asked them to close. Please see the last two statements that show the card completely paid off and the compound interest charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2023-03-01 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: NJ

Complaint narrative:
Please be advised this is my SECOND WRITTEN REQUEST. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
15 USC 1681I ( B ) I AM REQUESTING THE DESCRIPTION OF PROCEDURE.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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 2023-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a complaint against Bank of America regarding my XXXX debit card account and my claim for fraudulent charges totaling approximately {$4000.00} due to becoming a victim of identity theft. Please reference my previous complaint # XXXX. 

I provided Bank of America with all the necessary information, including a police report detailing the fraudulent activity. However, after almost a month and without receiving any provisional credit, Bank of America denied my fraud claim without even looking at the police report. 

It is important to note that my claim was due to identity theft, and that on XX/XX/2023, I faxed Bank of America the police report. I was not aware that it had not been received until yesterday, XX/XX/2023, the day before my claim was denied. As soon as I found this out, I faxed it again and included my confirmation that said it was delivered on XX/XX/2023. 

Additionally, I would like to bring to your attention that I did not receive provisional credit, nor did I receive a written notice as per Regulation XXXX, which requires banks to provide customers with a notice of the results of their investigation within 10 business days. 

I find it unacceptable that Bank of America has failed to comply with the requirements of Regulation XXXX, and that I have not received the protection I am entitled to as a consumer. 

I am requesting that the CFPB investigate this matter and ensure that Bank of America complies with its obligations under Regulation XXXX and other applicable laws and regulations. 

Having my identity stolen has left me and my children homeless and counting on the return of these funds. Only a handful of the many Bank of America employees showed any compassion or empathy for my situation and I find that disheartening. Many thanks to those few employees who did try to help me and give me some hope. 

I requested that Bank of amercia reconsiser my claim. I would like a prompt resolution to this matter and my funds returned to me before i am forced to file a complaint in court. 

Thank you for your prompt attention to this matter.

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 2023-03-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 2023-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted XXXX numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

XXXX has been charging me XXXX a month since XXXX XXXX,2018 I am requesting immediate cancelation and refund of all monies received since XXXX XXXX 2018 I am preparing to take this matter to court if we are unable to come to a resolution.

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 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
PAYPAL FALSELY ADVERTISES 2 % CASHBACK REWARD ON POSTED TRANSACTIONS BUT THEY'RE NOT HONORING IN WHAT THEY ADVERTISE.

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 2023-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
in 2022 because of my economic situation I applied to forbearence at the end of the forbearence they gave me two option " paid in full amount I owe " or " recalculation of my debt '' I agreed to pay full amount of {$10000.00} after that the mortgage company said I have still negative balance in my escrow because my property tax increased ( because I got pace program window installation ) but that difference is around roughly {$2700.00} compare than last year property tax, because of negative balance they said they need to cover this negative balance and future year negative balance thats why instead ( - {$2700.00} ) they said my new negative balance is around ( - {$6000.00} ) and I agreed to reflection to my monthly payment after this adjusment my monthly payment went up to from {$1600.00} to {$2500.00} after I made 2 payments called them and asked if I make adiitonal escrow payment what will happen, as of today representative said I still have negative - {$6000.00} escrow shortage and because I dont have {$3000.00} in my escrow for XXXX and XXXX based on florida law my new balance is- {$1400.00} so at the conclusion I have previous year shortage amount of - {$6000.00} ( said covers previous and following year ) and current year shortage - {$1400.00} in my escrow, I dont believe I have shortage the maximum amount I may have - {$2700.00} after XXXX and I made my payments if there is a remainig balance its spoused to be between $ XXXX {$2000.00}, I want to dispute their calculation or need help to recalculate, when I call them they only said have shortage

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 2023-03-01 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: GA

Complaint narrative:
Transunion, XXXX, and XXXX is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report 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 2023-03-01 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: GA

Complaint narrative:
XXXX, Equifax, and XXXX is reporting a Authorize user account on my profile that I did not authorize and I need to have this removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: TX

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 an 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

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 2023-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act : the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under the 15 U.S.C 1681 Accounts XXXX # XXXX, XXXX # 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: UT

Complaint narrative:
I received my email from the US Dept. of Ed Borrower Defense regarding XXXX % discharge of my student loans. The email said to contact the servicer to make sure your address is correct for any potential refunds. I called them 5 times today. Their phone system is in such bad shape, that they all sounded like they were on a space ship on XXXX XXXX and XXXXXXXX XXXX! I told them this several times. I heard every 2 to 5 words because the phone was so bad. None of them were able to fix it. So apparently it's a company problem. Why don't they just shut down their phone system???? Good grief! I tried to get a supervisor too to see if that was an issue on their phone too. Never got one because I couldn't understand anything any of them were saying. One Rep named XXXX, repeated my SS # out loud, when I got angry with her for not being security minded or well trained, she decided to hang up the phone! Glad I got her name! This is likely the worst company I've ever had to deal with regarding my student loans! XXXX XXXX was way better, more professional. This company is absolutely pathetic! My fingers are crossed that I do not have to deal with them going forward when this discharge is taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Saw some unauthorized charges on my checking account. The unauthorized charges appeared to happen in XXXX XXXX XXXX while I was in XXXX at that time. I filed a fraud claim with Bank of America immediately and followed up a few times through phone calls and online messages. However, Bank of America refused to credit back my account, although i did not make these purchases, did not sign any bill, and was physically in another country... The amounts are {$7.00} ( XX/XX/2022 ), {$9.00} ( XX/XX/2022 ), {$230.00} ( XX/XX/2022 )

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 2023-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I was contacted by XXXX XXXX and saw XXXX XXXX on my credit report. I have never talked to or signed anything with this company, to have my personal information. I have three different account with my name on it. I believe it was an account with XXXX  It is 2 accounts with {$83.00} and one account with {$96.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent out letters to Transunion, XXXX and XXXX about removing this charge off from XXXX XXXX in the amount of {$11000.00}. I was told that all the information was verified. Which isn't true because the amounts and dates are are all different. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

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