vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a Bank of America Credit Card with a balance of {$2500.00} and a monthly payment of {$89.00}. I have had to call 4 times in the past 4 months because of higher interest fees being charged. 
For example, I have been making at least two payments each month which equals to more than twice of my payment. In XX/XX/2023 I made a payment of {$250.00}, then another payment of {$100.00}, both in the same month. When I received my statement the {$250.00} payment was not acknowledged, I had to call and then I was told by the clerk that yes, he is seeing the payment but he thinks the previous clerk made a mistake and he would correct it, then in XX/XX/2023, I made a {$100.00} on the XXXX and on the XXXX I made another {$100.00} payment, yet I checked my account today and was charged {$63.00} in interest. 

I had to call again, the first clerk that responded to my call indicated to that she does not know why I was charged interest for 2 months when I paid over the above required payment and that the payments were made on time and before the due date. She then said that she could not refunded me the extra interest charge immediately but will contact a supervisor. The Supervisor came on the phone after 25 minutes and said to me that as long as I do not pay the loan in full, they will continue to charge me the high interest even if I am paying more than the required amount and on time. 
I explained to her ( XXXX ) that I was frustrated that I was being taken advantage of and was going to contact your office.

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 2023-06-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: DC

Complaint narrative:
On Friday, XX/XX/XXXX, I was unable to use my debit card to make a purchase. One with XXXX for {$12.00} and another with XXXX for {$32.00}. I got a message saying that the purchase was declined due to suspicious activity. When I reached out to the company via the app, they would not address the matter as in they would not answer my main question ; What was the suspicious activity that caused my account to be locked. They sent a generic response saying that it was the merchant using foreign currency. I told them that I had used my card before with the same merchant and had no problems before. Then they said that was all the information that they could give me. I reached out and asked if I needed to change my card. They said they couldn't help me any further on the matter. Again I tried to use my card on Saturday at XXXX XXXX for {$15.00} and again at XXXX XXXX for {$9.00}. For the past three days I have been trying to get answers as to 1. Why my account was locked. 2. Why wasn't I notified about the suspicious activity when it was first suspected. And the most important question : How do I get access to my funds? 
I called them this morning and again was given the same answers. They can not help me any further on the matter. Wait for an email that never comes. I have spoken to XXXX, XXXX, XXXX, and two others who did not identify themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I contacted Midland Funding to confirm the amount that was charged off, as I believe that is incorrect. I never got confirmation on verification of debt from the letter that I mailed off via certified mail through USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: LA

Complaint narrative:
On XX/XX/2023 I wrote ProCollect a no Parking, refusal to Pay & cease & desist letter. On XX/XX/XXXX I received a letter, which puts them in violation of 15 USC 1692k. Per the letter that I receive back from Procollect on XX/XX/XXXX, I am kindly asking for you all to cease and desist ONCE AGAIN. The correspondence received did not fulfill any of my prior requests. All that was received was a contract from another company. 
I have not received any goods or services from you all nor do I intend to. I have no intentions of any contractual obligations with you all in the further as well. Please consider this as " notice ''. Any reporting to my consumer report to any of the consumer reporting agencies will be direct violation of Section 623 ( A ) ( 1 ) ( A ) ( B ). I WILL BE SEEKING {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. ProCollect is not licensed to collect debt in Louisiana. This is my final attempt for resolution before I seek legal remedy.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account number : 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 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 consumer reporting agency can not furnish an account without my written instruction

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have taken the necessary steps to address this issue by promptly reporting the false information that has been disclosed. As a victim of identity theft, it is crucial for me to emphasize the immense stress and financial burden that I have endured due to the inclusion of products unrelated to my identity, for which I bear no responsibility. The handling of this complaint is of utmost importance, as failure to address it appropriately will leave me with no alternative but to initiate legal proceedings. The presence of these false and fraudulent entries on my consumer report has had a severe detrimental impact on my ability to achieve personal aspirations, such as purchasing my dream car, and providing essential support for my family.

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 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed my account with Wells Fargo in 2019. I now have XXXX XXXX. The irs contacted me asking for proof I paid my taxes in 2019. So I went into Wells Fargo to get my old bank statements. They said they couldnt access them and to call. So I called the bank they said that they cant access or give that to me and to go into a branch. When I said I already did that they said they cant help me and hung up.

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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I received unemployment benefits to my Netspend Card during COVID 19. Roughly 8k is still on th card. Despite proving that I'm me, netspend will not issue me the card. They keep telling me they sent a check but won't tell me to what address. They are basically holding this money hostage. They are telling me to call unemployment but the unemployment for COVID has closed and there is no way to reach them. They can easily fix this by sending me a check to my new address. Their customer service is terrible. I'm going to file a lawsuit against them if they do not send me a check to my new adress or send me a card with the funds on it. My dob is XX/XX/1980 ... My SSN is XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX  with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.

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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this on my own behalf. everytime i send something to the credit agencies they saying its someone else. The XXXX account on my credit report is not accurate and I attempted to show communicate this to them as well as the Reporting agencies. 

I have never been late. 
The reported me as a 90 day late when I was on payment deferment. 

My payment deferment started in XX/XX/XXXX and went through XX/XX/XXXX. They reported me as 90 days late in XX/XX/XXXX. 

This is impossible. 

Also if this was the case it would have also shown progression on my report from XXXX with a 30 day late and then a 60 day late and them 90 day late which the report doesn't reflect either. Please update the report to reflect on time payment. 

This was also during the covid time when all education loans are to be reported positively as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
The reasoning for this letter is to dispute account " XXXX '' from the creditor " Santander Consumer USA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Concord Servicing Corporation
State: NC

Complaint narrative:
Sophisticated Phishing Scam Beware XXXX XXXXXXXX XXXX and/or XXXXXXXX XXXX XXXX XXXX XX/XX/2020 we co-signed a college student loan for a very responsible young man, the son of close friends. We have known this man 's parents since before he was born. In XXXX we received letter from XXXX XXXX XXXX in XXXX AZ confirming " per our request '' that the account was paid in full. The letter directed us to a website XXXX and a phone # XXXX. Neither of these are legitimate. XXXX XXXX XXXX is not the servicer of the loan. Our student has consistently made all his payments but there is a considerable outstanding balance on the loan. This letter is a phishing scam to lure us into responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Ive circled the errors in red, circled errors in yellow also. Sent copies to all 3 bureaus and the CFPB. Nothing is corrected, ever. This has been like this for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The credit bureau didnt provide the documents supporting accounts with XXXX, XXXX, XXXX, and XXXX. Also didnt provide documents of late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Also didnt provide proof accounts belong to me also.

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 2023-06-05 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: MS

Complaint narrative:
The credit bureau didnt provide the documents supporting accounts with XXXX, XXXX, XXXX, and XXXX. Also didnt provide documents of late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Also didnt provide proof accounts belong to me also.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I contacted LVNV Funding to confirm the amount that was charged off, as I believe that is incorrect. They never confirmed what amount was owed, and how they became responsible for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-05 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: MO

Complaint narrative:
I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXXXXXX XXXX XXXX. In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.

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 2023-06-05 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: MO

Complaint narrative:
I am writing to bring to your attention that the XXXX account opened on XX/XX/2021, which reflects {$1600.00}, is fraudulent and negatively impacting my credit report. Despite my previous attempts to dispute and resolve this matter by calling, no action has been taken. Upon discovering the fraudulent activity, I took immediate steps and reported my stolen identity, placing a fraud alert on my account on XX/XX/2021. 

The negative reporting of this account is causing significant hindrance for me and my child in securing an apartment, and we are now facing the possibility of homelessness. Adding to my distress, I am currently XXXX XXXX XXXXXXXX  In light of the circumstances, I urgently request that this negative account be removed from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been asking repeatedly for my information to be updated on my credit report with XXXX, Equifax, and XXXX. Each time I Send them my ID, SS Card, and Proof of Address they keep ignoring my requests. According to 15 USC 1681i regarding inaccurate and unverifiable information if any information is sent in by me as a consumer that information should be promptly deleted from my file or modified based on reinvestigation. I must also be promptly notified by mail of any modifications or deletions as requested. I have not received any mail of results or anything from Equifax, XXXX, and XXXX and they are reporting the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXXdit 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 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 2023-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused XXXX XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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