vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid the full credit card balance. Auto payment from my new checking account was applied to the account leaving a credit balance. I contacted the bank to request the account closure and process a request to refund the balance remaining. I was never notified that Chase would add additional interest after the account was paid off. Additionally, the employee didn't notify me of additional interest or reconcile this prior to issuing a credit refund. I authorized Chase to pay the balance and they submitted it to my closed checking account that had a XXXX balance. 

I received an email from Chase advising that the payment was rejected and they were going to submit this a second time yet my balance is showing today as XXXX on my chase account. I called on XX/XX/year> and spoke to an employee who transferred me to a XXXX. I explained I was surprised by the additional interest charged after the account had been closed and disappointed at their lack of disclosure of additional interest charges and that they hadn't reconciled before sending me a refund check. I asked the XXXX why Chase didn't inform me of the future interest that would be applied to my account when closed. She responded that they were under no obligation to do so, rather they would simply follow the request to close the account and issue a check for the credit balance. She also explained they would not have access to additional interest that would be charged until after the full billing cycle which the employee would not have had access to when he spoke with me. 

I asked for options to make sure the payment is finalized to which she said I'd have to wait an additional XXXX or 4 days for the second processing to finalize. 

I asked if or when this payment on the interest is finalized are they going to add additional interest on top of the interest and if so, how much would that be. She responded that additional interest could be charged but she would be unable to tell me until the end of the current billing cycle as to how much that additional interest would be. 

I'm very disappointed that a company such as Chase doesn't have the ability to tell people how much is actually due in order to close their accounts. If they do have the ability to do so then they fail to train their employees and managers how to fully disclose balances on accounts that allow customers to fully pay off an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

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 2024-06-20 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2024 it was brought to my attention I forgot to make a credit card payment and a {$29.00} fee was assessed. On XX/XX/2024 I called to request a one-time waiver of the late fee but instead went into a XXXX month XXXX interest program to help me pay down the balance. On XX/XX/2024 it was brought to my attention Bank of America charged me another late fee in the amount of {$28.00} for XX/XX/2024. Essentially, Bank of America has reported to the XXXX credit bureaus ONLY for late fees in the amount of {$38.00}. My online statement states {$57.00} which includes both months. Most importantly, BOA has reported me for an amount other than principal and interest payments that were indeed paid each month. Instead, they are reporting on late fees ONLY respectively. I request this 30 day late to be removed as they are late payment fees. Additionally, there is an issue of limitations on credit card fees that was passed back in XX/XX/2024.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
On XX/XX/year>, SoFi bank put a security freeze on our account containing approximately {$3200.00}. We recieved an e-mail at the time that asked us to call SoFi. When we called them we were told only that their security team was working on the problem and that they could not give us any timeline for resolution. We called several more times over that week and received the same answer. On XX/XX/XXXX, we called back and requested that our complaint be escalated to a supervisor. We were told that there were no supervisors and we were then hung up on by the customer service rep. On subsequent calls over the following weeks, we were told that we had violated our membership agreement and that our account was going to be closed. That was fine with us - at this point we just wanted our money back. Unfortunately, SoFi seems to leave customers with no recourse for escalating complaints in situations like this. 

On XX/XX/XXXX, we filed a case with the OCC - that case is still pending. 

On XX/XX/XXXX, we filed a complaint with the XXXX 

It has been more than 3 months now. Close the account already. We just want our money back. We tried to close the account ourselves on their website, but it wouldn't let us, because the account is restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is complaint is serious and is not sent in error. The inaccurate nformation in my credit report has caused me frustration and incovenience as it has impacted my ability to secure credit approvals.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Good day. 

I have struggled with American Express to properly investigate my dispute claim on a product I didn't receive. I have asked to speak with the dispute team and I have been told by the representative that they don't have any access to reach them. As a client I have a right to have my dispute claim investigated in a thorough manner. This is not happening with American Express. I have sent overwhelming evidence that I didn't receive my vacuum cleaner from XXXX. American Express focused on a tracking number that XXXX had submitted and their final decision was enough proof that I indeed received the vacuum. 

I contacted XXXX and asked them to look up the tracking number XXXX. Upon their review, they told me my name, address nor product was not associated with that number. I have submitted that information into my dispute claim file at American Express. Again, I do not feel that American Express is investigating my case appropriately. I reached out to XXXX via XXXX and they again gave me the same above tracking number for my order. I told them this was an invalid tracking number for me. I was disconnected from XXXX. I have submitted all this information to American Express. 

I have been charged {$830.00} for an item I never received. I need an advocate for me to help me as I have justified in more ways than XXXX that I never received my vacuum. I am asking for someone to reach out to American Express, XXXX and XXXX on my behalf. I am asking for someone to reach out to me so I know someone is listening. 

I appreciate your time and help with this matter. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: FL

Complaint narrative:
NOTICE - Gramm Leach Bliley Act NON-COMPLIANCE REPORTING THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to XXXX that the listed institutions ATTACHED have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act statute ( s ) : Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b ) For the record, I, XXXX XXXX, HAVE NEVER received an INITIAL OR ANNUAL PRIVACY POLICY NOTICE from any of the ATTACHED reporting institutions as required by the GLBA statute ( s ) above, nor have I been given a chance to opt-out from my personal information from being shared w/ 3rd parties. Why does TRANSUNION allow these non-compliant institutions to report on my credit profile and put my privacy at risk? 

Until compliance with Sec. 6802-6803 of the GLBA can be substantiated, I DEMAND that TRANSUNION PERMANENTLY DELETE the following non-compliant ATTACHED account ( s ) within 3 days and forward to me a FULL updated credit report with these deletions to the address above By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation and credit worthiness. For the record, I will also file this complaint with my state Attorney Generals office and the Consumer Financial Protection Bureau ( CFPB ).

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 2024-06-20 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: NJ

Complaint narrative:
i pulled my Experian credit reports and discovered the enclosed frauduelent accounts

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 2024-06-20 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
On XX/XX/year> our vehicle was in an accident resulting in total loss. XXXX XXXX XXXX company sent a check for {$12000.00} to Ally leaving a balance of {$770.00} for our gap insurance to pick up. It took XXXX weeks of back and forth with Ally to get the information needed for our gap insurance. On the same date that the XXXX was finally processed, Ally returned the {$12000.00} check to XXXX XXXX stating that the check was improperly endorsed. They had retained the check for XXXX days, it had been processed, had cleared the insurers bank account and been credited to our loan. Upon getting a copy of said check from the insurer, it was obvious that the missing endorsement was the back of the check where ally should have endorsed it to be processed. Ally demanded a new check from the insurer, and put our account into collections stating that because they had to return the insurance check, that we were now 2 months behind. They have reported 60 days late on our credit at this point and dropped my wifes credit score over XXXX points. The only mistake made was on allys part for not signing the check. Yet my wife and I are being punished for their mistake. I have waited XXXX days now for a supervisor to call me back from ally. Every time I call they send me to the collections dept.

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 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
This debacle was XXXX  years ago in XXXX. A deposit of {$3000.00} was made to my account. I went online to check my balance and received a message that I had no access to my account. After several attempts I called Sofi. It took a long time to reach a live person. After getting someone they explained the account was frozen due to a fraudulent action. I didnt know the name of the person who made the deposit. The case was passed to the fraud department. Spoke with an agent who took my information again, gave me a case number and said he would be in contact. I heard from him about a week later. They found the $ $ was deposited by sum1. I dont recall if it was a bad check or what. Needless to say this incident frightened me. I paid off the loan from Sofi. No longer doing banking with them. Caused a lot of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: NJ

Complaint narrative:
I have presented proof to a debt collector Rent Recovery Solutions LLC that a debt being reported on my file is not owed. I have provided a letter from the original creditor stating that I do not owe this amount yet they continue to report this as unpaid on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 163
7 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2024-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I completed a forbearance request on XX/XX/year> and sent it in electronically. Mohela contacted me back and said I would need to call them to talk to a XXXX agent to determine how to help me with the forbearance. When trying to call, I am placed on hold for periods of time between XXXX hours and never able to reach a XXXX agent. A couple of times I have been disconnected while on hold. I applied for the XXXX payment plan in hopes of getting my {$1200.00} payment down, but that has also not been processed yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I have been trying to close my account for several months since I have not lived in the XXXX for a few months now. Bank of America was not able to provide a way to transfer my funds to another account since the system requires a debit card which I no longer have. 

In the meantime, they have charged me {$12.00} for 4 months due to having less than the minimum required funds to avoid fees ( therefore {$48.00} in total ).

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