vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attempted to check the status of my disputes, fraud, etc., and I was barred from accessing any of these services from TranUnion. Every product I attempted to access, I get the following error message : We're unable to process your request at this time or Looks like we cant access your dispute information. As a consumer, I have the right to access my information in my credit file. This is a violation of my rights.

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 2024-07-20 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Back in XXXX I was a victim of a robbery that's the first time when I start having identity theft issues. 
It's so much fraud that's in my name to where I had to sign up for so much protection to avoid any further issues. 
I reported these issues XX/XX/XXXX to XXXX and XX/XX/XXXX I have no connections or knowledge of these accounts listed. Please help me! I never lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX ca XXXX I believe that's where the suspect lives. 


Please help remove this fraud! I even just hired an consumer attorney to help in this process. 

This is my last attempt before the attorney get the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
i closed my checking account with chase bank that had a {$0.00} balance. i received a bank printed check for the balance and this account was closed! several months later i receive a letter stating my account is negative {$800.00}, well somehow my ssi payment was being direct deposited and this payment which was not stated in my name as im just a representative payee was fraudulently illegally cashed by the corporation and these fees that were made up and came out of nowhere of the {$800.00} was taken out out of this check that was legally cashed by the company. I have called customer support maybe 10 times and wanted answers and the money back and I was rudely hung up on and harassed and called names by the customer service representatives which they failed to give any information name, wise and department, wise and numbers, etc. so one person tells me that they applied this to the account good luck recoup in it and take it how it is is what I was told another person told me that there was only a negative balance of {$400.00} and they still applied the XXXX transaction legally and would send me a check for the remaining balance which they never did and then another person tells me that there is no negative balance. The deposit was rejected and sent back to the government, which is also a lie because Ive spoke with the Social Security administration offices, and they have told me that this check or direct deposit has been initiated and cashed in transferred into their accounts, which is a felony theft that they have Acted upon, and upon being called names, numerous names, and the hatred in the customer service department for not knowing how to do their job I want to prosecute to the fullest extent of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I created a Venmo account back in XXXX to pay a vendor and had XXXX issues. I havent used Venmo since. On XX/XX/XXXX a friend paid me for something I sold him. The transaction was for XXXX. Once it arrived in my account I was not able to transfer it to my XXXX  XXXX account. I have tried using the customer service email to get response and resolution. After multiple waits of over XXXX hrs in response time of over XXXX different email exchanges, I was told that there was another account under my name with a debt. I have explained multiple times that I do not have another account and only use XXXX normally for my transactions. The customer service person told me that it didnt matter and until I was able to log in and settle a supposed debt, they wouldnt release my other funds. I politely asked for a screenshot or some sort of proof of this owed debt in which the XXXX  rep told me, I can not provide it but we know that it is the same person. I have all of this via email in XXXX and XXXX of them providing zero information and telling me that I need to figure it out on my own. I have XXXX access to any other account and they have and will provide XXXX help regarding this matter. I am XXXX XXXX XXXX  out trying to get a resolution and hoping that opening this complaint will help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
On XXXX my vehicle was repossessed. I asked the repo agent not to take the car and was told, he had to. This did XXXX the XXXX in my apartment complex. I spoke with a service agent at Innovate auto loan services and made a payment on XXXX of {$200.00}. The agent stated if I made a payment of {$100.00} my car would be removed from repo status and I could defer any remaining past due payments. I made a payment of {$100.00} on XXXX. All calls are recorded. After the car was picked up from my residence, I spoke with a XXXX and was told after XXXX hours my car would be sent to auction. The XXXX stated my lender gave them permission to repossess my vehicle. On the contract is shows XXXX XXXX XXXX and the lender. However, XXXX XXXX XXXX stated as of XXXX an assignment of contract went to XXXX. I never received notice of this. On the contract Innovate Loan Services did send me, it shows XXXX XXXX as the lender. When I asked for an updated copy of the contract with my signature, the Innovate XXXX told me I would not be given a copy and to just make the payments needed to gain possession of my vehicle if I wanted it back. I have been requesting information via email and have not received a response in the XXXX hour turn around time they offered. I called again to Innovate Loan Services and was told I called too much and there will be no additional information that they would give me. I did request a XXXX XXXX and did not receive a response. I also requested a breakdown of how my payments were applied toward my account. I was sent statements and pay history. My end goal is to gain access to my vehicle that Innovate Loan Services dba Innovate Auto Finance or Pagaya ( XXXX XXXX ) has fraudulently obtained. And for all fees to be paid by the above name companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America changed it's online AutoPay to Bank of America credit cards to only accept the minimum amount due. 

Despite allowing me to set up XXXX XXXX for my XXXX XXXX 's to {$200.00} more than minimum for the last 15 years, it will now only accept minimum due. 

This of course was designed to fleece BAC customers and charge the maximum amount of interest possible. It took XXXX hours on the phone to learn this being transferred from department to department. 

BofA nevere responded to the past complaint made here. 

I am not sure the purpose of this government agency. It does nothing to prevent these banks from fleeting customers. XXXX they are right in shutting it down. Creating a username and password is just another risk for ID 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
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  Charge account with account # XXXX opened on XX/XX/year> and a balance of {$1800.00}. 
According 15 U.S. Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

I previously disputed this account stating : ''15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX  Charge account with account # XXXX opened on XX/XX/year> and a balance of {$1800.00}. 
According 15 U.S. Code 1681n states that any person who willfully fails to comply with the FCRA shall be liable for damages of up to {$1000.00} per violation. So before I begin to take legal action please take immediate actions on this account & remove it!

I previously disputed this account stating : ''15 U.S. Code 1681i - Procedure in case of disputed accuracy : States that after reinvestigation of any information disputed by a consumer, the item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete this information. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: AZ

Complaint narrative:
Requested original documents that was not provided and the contact information of the company my information way given too. There was no response or cooperation to get this matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: Westlake Services, LLC
State: AZ

Complaint narrative:
Requested original documents that was not provided and the contact information of the company my information way given too. There was no response or cooperation to get this matter resolved

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/XXXX a check for the amount of ( {$1400.00} ) was deposited in my bank account thru an atm with my card that was lost which I didnt know until XX/XX/XXXX when I called and filed a complaint with the bank about that check. My job deposited my check on XX/XX/XXXX but it got rejected due to my account being locked. I requested my employer to deposit my check in my other account and for some reason they did it again thru CHASE and now that I need my money to pay rent and my car note and I cant do anything now due to this Ill have to pay late fees on my car note and my landlord gave me 10 days to pay. Chase customer service advice me to go to a bank and take out my money when I get there. Employees tell me I cant do anything until it gets resolved in 15 days. I need this money to make my ends meet this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX XXXX ] Transunion : [ 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 non-monetary relief
Consumer complaint received 2024-07-20 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : [ XXXX XXXX ] [ XXXX ] Equifax : [ XXXX XXXX ] [ XXXX XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 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: CL Holdings LLC
State: NY

Complaint narrative:
In accordance with the Fair Credit Act, this creditor has violated my rights under 15USC.1681 section 602 states I have the right to privacy. 15USC. 1682 section 604A section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC. 1666B A creditor may not treat a payment on a creditor card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year> I charged {$2600.00} on XXXX XXXX XXXX CitiBank ) credit card. Towards the end of XXXX had to leave XXXX to XXXX. I set up ebill account with CitiBank to make remote payments. In XXXX I received, email stating that my CitiBank ebill set up failed. I tried to contact Citibank to pay the full amount. No way to pay. Upon returning to XXXX I had the followint charges. : XXXX {$26.00} XXXX {$110.00}. XXXX 
XXXX {$140.00} XXXX {$180.00} Upon returning I called the CitiBank to explain the situation. I have had a Macys ' ( Citibank ) account for 40 years. Never missed a payment and have a XXXX XXXX of XXXX for good management of all my credit cards and debt. 
Citibank 's interest rate is XXXX XXXX so I was patronisingly told. I was willing to pay some charges but not exorbitant, usuary interest without consideration of my excellent credit management.. Made payments and they still asked for more interest fees. Last call they stated that they had closed my account without my request. My XXXX XXXX has dropped. No good will for prompt payments in the past and no reduction of interest for good customers. Citibank has extorted me for a charge of {$26.00} with a total final payments of {$280.00} in 5 months. Hate to think what is happening to other consumers. I tried to retrieve my charge information on their website and my account is not valid because they closed my account without my request. The representative stated that they had closed my account due to nonpayment, yet I had paid all the fees thay requested. I fear they wanted to erase me from their system since I stated that I would escalate the overcharged interest.

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 2024-07-20 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: NJ

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate. 

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 2024-07-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Without my authorization, PayPal used my checking account, not my PayPal credit, as I instructed, to pay for my online XXXX orders, I've been charged overdraft fee, by the bank, of {$36.00}, three times. I'm requesting PayPal to reimburse me overdraft fee bank is charging me now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.

FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I spoke with Bank of America on XX/XX/year>, about a charge that appeared on my credit card of the amount of {$290.00}... I had Paid Off the balance approximately 4 or 5 days prior to the card 's due date, and had a XXXX XXXX showing for approximately 3 days on Bank of America 's website... I thought since I Paid the Balance that was Due in Full that I was done with payments and Free and Clear of this debt... When I checked my Bank of America on approximately the XXXX day after paying the account in Full, there was a charge for {$290.00}... I then called Bank of America to find out about this charge and was told it was an Interest Charge... I asked for what, because I had Paid Off the account in Full days prior to the Due Date, and I Paid the Exact Amount that it said I owed and couldn't understand why I had received this Interest Charge... I was told the new balance reflected Interest... I don't understand if I Paid the Full Amount in Full why I am being charged the {$290.00}... If this was correct, Bank of America should have listed in Plain Site the Full Payoff Amount... I feel that I am being Legally Robbed and Unfairly Billed since I Paid the Amount Due on the Bank of America website in Full... I believe that this is Deceptive Trickery on part of Bank of America.

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