vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/year>, I went to the Bank of America website to update the bank account from which my autopayments are withdrawn. I added the new bank account, and deleted the old bank account, and verified my new bank account. The website said I was good to go. 

A couple of weeks later I happened to notice that the autopay did not go through, even though the new account showed as " verified. '' I called customer service. They said that " sometimes '' autopay gets turned off when changing outside banks, but not always. It took close to half an hour, with the agent on the phone, to figure out how to turn autopay back on. During this same call, I also went ahead and electronically paid the total balance due - but the system wouldn't let me make payment by the due date. The customer service person said they could not pro-actively remove any late fees or interest. 

A few days later, interest charges and a late fee of {$25.00} were applied to my account. I called again, and BofA then reversed the charges. This agent said that changing outside banks " always '' reverses the autopay enrollment, and that it can take up to XXXX days for the new bank to be confirmed. 

The problem is that there is a lack of transparency about this on the website. If changing payment accounts " always '' triggers a need to re-enroll in XXXX, the website should clearly state that, and then make the re-enrollment process easy. Neither of these was true. By not having the " change bank '' steps clearly outlined BofA is able to collect a bunch of extra fees and interest charges. It seems fraudulent - don't provide all the information, make something difficult, and then collect fees. 

In my case, I had an extra hour to make XXXX calls to customer service to get the refund. But I'd bet many people don't have the thought to do that, or just don't bother. It seems wrong.

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 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 XXXX years. 

15 U.S.C. 1681s-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 non-monetary relief
Consumer complaint received 2024-06-15 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: 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 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 XXXX years. 

15 U.S.C. 1681s-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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/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 2024-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There were several charges ( XXXX pages worth ) made to my credit card from a XXXX XXXX called XXXX XXXX Games all within XXXX day spam. It is clearly obvious to anyones eye that these charges are fraudulent. When Chase said they were legitimate after first investigation I asked for proof of findings. We fought with them again they did a second investigation and we still received no proof from investigation. They still stand by there findings. The only person in our household with access to XXXX XXXX XXXX is me. I can assure you I did not purchase XXXX dollars worth of game apps. This is also my only fraud issue with Chase. Ive been a card holder for years and between my wife and I weve paid all our credit card debt and been very responsible card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: SECURITY FINANCE CORP
State: MO

Complaint narrative:
This company charged off my account therefore it is reported as income per IRS yet it is still reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I called Santander consumer USA if I could give a lump some and lower my payments and they told me no. Then I asked them to pick up vehicle but they told me no after recording my statement and told me the only way they could get it was if I pay for storage fees. I explained I never heard of that and that if I have the money I would just keep Making payments. She told me to go back to the dealership and see if they would take the car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
This loan was settled in court and all fees was waived in the amount of {$2400.00} With invitation XXXX XXXX XXXX Of 2023! This XXXX XXXX XXXX Fair Collections & Outsourcing , Inc ) Has Not Provided Me With The Original Agreement From The Purchaser And Is Reporting A Balance Of {$12000.00} On My Credit Report As Of XX/XX/year>!

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 2024-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Land Collections, Inc.
State: CA

Complaint narrative:
I have been trying to communicate with this company Mountain Lad Collections to dispute a debt that I apparently own to a medical facility which my medical had already pay I call them because I had set up a payment method but know I see I don't owe that amount and when i called the tell me they are calling me back which they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On Wednesday XX/XX/XXXX between XXXX pm, I went into A bank of America XXXX XXXX XXXX XXXX a problem I was having with my credit card due to financial hardship. 
I met with an advisor to ask about any programs that helped customers in a time of hardship to freeze my credit card account. The XXXX said yes. He said he was putting in my request. I asked if they would be adding finance charges. He said no. He said they had options for 6 months or a year. He said I would receive a call in XXXX days to work that out. The information he gave was very specific and I saw him input the request in my account. Unless he was literally pretending to input information on my account. 
It's XX/XX/year>. My payment is due today and I have not heard from them. I called today I was put on hold and then transferred to the payment department. I told her that the call I was told would be coming had not. She said there was no such program. She didn't know why the XXXX had misled me but there was nothing she could do about it. 
I am trying to settle my problem with a company I have been doing business with responsibly and maintain a business relationship. I have been misled. 
So it seems the only option Bank of America will take is to add to a customer 's hardship, rather than help them.

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 2024-06-15 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: OH

Complaint narrative:
I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.

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 2024-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
XX/XX/year> I was having issues with my current card, which has a XXXX balance, and I called XXXX XXXX, but they said it was a bank issue. I called the back Synchrony multiple times with no solution. Synchrony Bank, so I requested a newly created account so I could make a purchase. Now Synchrony is not allowing me new credit or using my current credit card. below is the answer I received to my request for more credit. 

We're sorry we were unable to prequalify you at this time. You will receive written information about this request in XXXX days. Please be assured that your request did not impact your credit bureau score. Learn more about credit reports and scores by visiting XXXX Your requested reference number is : 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 2024-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

I looked at my Transunion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX someone hacked my checking account and reversed a large number of payments I had made to various companies At the same day I lost my ATM card and what they did was reverse the charges to put money into my account and then used my ATM card to withdraw the money for a total of over {$4200.00}. I contacted Chase immediately and told them what happened after my vet called to ask why I had put a stop payment on the charge I had placed in XXXX. I then realized the extent of the fraud. I immediately went into the bank and closed my account. The payments were not immediately returned to the people I paid but I then went into another Chase branch and the manager talked to the fraud department and the people who charges were reversed got paid by the money taken with my ATM which amounted to XXXX was not I then again called the fraud department and told them that my ATM card was missing the same day as the fraud and they reversed the XXXX  back into my account Yesterday I found that they reversed the XXXX  again and I was overdrawn by XXXX I went again into the bank and talked to the branch Manager who called the fraud department and the are saying I gave someone my debit card pin and I stole the money and I should go back to the places that the money was taken out to see if they have any videos and I should bring them to the bank to prove it wasnt me I am a senior citizen living on social security and Chase basically stole my entire check so I cant eat or pay my bills

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: World Acceptance Corporation
State: VA

Complaint narrative:
World Finance XXXX XXXX had a line of credit open for me since XX/XX/XXXX. However it was under a third party company called XXXX XXXX XXXX. The company gave me all the details and said it been open since XX/XX/XXXX and there was as a balance due of XXXX to be paid in full but I have never applied for a credit card or line of credit at all. I communicated to the company it was fraudulent. I havent lived in XXXX  in XXXX and XXXX XXXX  years ago. I currently reside in XXXX  as of XX/XX/XXXX and prior I was in XXXX for exactly XXXX  years. This account was recently brought to my attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-15 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: IL

Complaint narrative:
I have repeatedly kindly requested credit bureaus to reinvestigate inaccurate and incomplete information reporting on my credit report and to correct all accounts that is inaccurate and incomplete I've been so very patient with Experian, XXXX, and XXXX I have sent letters to the company on XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX asking EXPERIAN, XXXX, XXXX TO send me the original documents that they are using to report these serious errors. I have not received any proof of these original contracts it has been more 90days they continue to give me a run around... it is already hard enough with how the inflation with the economy is going it is hard please help me get this resolved as soon as possible.

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