vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-24 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: FL

Complaint narrative:
To Whom It May Concern, I made an uninformed decision on XX/XX/2016 when I entered into this consumer credit transaction. The only evidence they have is the agreement, and since there is no evidence of indebtness and because of this uninformed decision this contract is null and void. It was not clear and conspicuous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: MA

Complaint narrative:
I have had a fraud issue on my credit card starting on XX/XX/XXXX to XX/XX/XXXX. The current balance is now {$11000.00}. I have had this card since XXXX and have never had spending habits such as this. Many of the charges were made in RI. and I live in MA. I have not made any of these charges and have never stayed at the XXXX hotel or other hotels in RI. There were many XXXX and XXXX store charges as well as food purchases. 

I would like to get credit for all fraudulent charges as a resolution to this problem. 

I have contacted Discover 's fraud department 5 times and was continuously told it would take 90 days but nothing has been resolved. I was told the last time I called that they had matched my voice to a call which said to recharge my card for the XXXX charges but I never made such a call and now they are refusing to credit my account which they have now closed. This is affecting my credit score dramatically from XXXX to XXXX currently. I need help to resolve this as now I have and three late payments and the minimum payment is {$1000.00}. I should not have to and can not pay this as I am retired.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I contacted the company explained it wasnt mine they refused to remove it. I was told if I settled it ( paid it ) they would remove it, when I settled the debt they didnt remove the account from my credit file

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 2023-02-24 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:
** Please ensure any personal identifier data matches strictly with what I have submitted uncontested above, I do NOT authorize you to hold on to ANY info not requisite reported, not undeniable, not correct, not full, not timely communicated, not mine, not of my responsibility, and or else wise questionable OR in contradiction from the unadornedly ADEQUATE PERSONAL IDENTIFIER information I have above submitted! 
Re : This serves as my official notification to you, or any entity, concerned that I here now have confliction with the reportability of your claim ( s ) until it's decisive that privilege t o report was executed adequately and in a firmly rooted and objectified compliantly reported compliant manner, even to the mandates in accordance with the CDIA required CRRG described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim. 
To whom it concerns, edit out now the following claim ( s ) one or more of being not certified tractably supposed or elsewise revealed, unverifiable, invalid, untrue, inaccurate, inadequately unabbreviated or incomplete to needed standard, untimely disclosed, not fastidiously right by cite proof to be of a known ownership of my responsibility, inconsistently divulged, deficiently described, questionably believed and or else wise appearing to potentially be a deviation of or from the Metro 2 Standard of ethical, lawful, and compliant reporting of delinquent, derogatory, and or else wise possibly negative claims professed versus me as the consumer. Remove immediately and enduringly any negativity related to :

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 2023-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding my IKEA Visa credit card. As a new cardholder, I was promised a {$25.00} reward certificate if I spent {$500.00} outside of the Brand within the first 90 days of opening the account. However, I have not received this reward certificate despite meeting the spending requirement in XX/XX/2022. 
I opened my IKEA Visa credit card account XX/XX/2022 and made purchases totaling over {$500.00} outside of the Brand within the first 90 days. I was expecting to receive my reward certificate soon after, but it has been over 2 months since I fulfilled the requirement and I have yet to receive it. 
I have contacted the customer service department of the card issuer multiple times to inquire about the status of my reward certificate, but have not received a satisfactory response. They have not been able to explain why I have not received the certificate or when I can expect to receive it. 
I am very disappointed with the lack of transparency and communication from the card issuer, and feel that I have been misled by their advertising of this reward offer. I believe that the card issuer is in violation of the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act. 
I would appreciate your assistance in resolving this issue and receiving the reward certificate that I am entitled to. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the late payments from this account or delete this account as the information is incorrect. I've included the credit report from both XXXX and Experian and both are reporting different incorrect information. You have incorrect account numbers and also incorrect payment history. XXXX shows XXXX months of good payment history and Experian shows XXXX. Please delete or removed all late payments. 

Account name : XXXX XXXX XXXX  Account number : XXXX Date opened XX/XX/2013

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 2023-02-24 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: MD

Complaint narrative:
To whom it XXXXay concern : The information you see above is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on le for me doesn't match what's listed then there are problems with either your records or those who provide them for verication purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on le that does not match what I listed above. Furthermore, I want you to conrm the data you have on le. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my prole must be accurate and thorough. You must nish your information verication within a reasonable time frame and be able to evaluate and conrm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, veriable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be xed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF THE WEST
State: MO

Complaint narrative:
I was involved in a scam where I was sent a check to be used to purchase pet supplies for a family I was to be dog sitting for. I went to my bank told them I was suspicious of the check asked for advice and was told absolutely nothing as they deposited the check into my account. They also told me the full amount of {$3700.00} would be available the very next day. When I have had checks for only {$200.00} that took multiple days to clear. Over the weekend I had a bad feeling about the check I had deposited and decided to send it back to the party who sent it to me XXXX XXXX I had been in contact with her for over a week but when I told her I would be sending the funds back she acted weird and sketchy and I knew I didn't want any part of this scam. I went to my bank Tuesday after presidents day and asked what was the most secure way to send a check or money for that matter that I could stop payment on if necessary and she told me a cashier 's check. I proceeded to get a check for the {$3700.00} minus fees and it was sent later that day. I found out XX/XX/22 that it was a bad check when my bank Bank of the West stole money out of my account because they cleared a bad check to cover their own XXXX and then I was charged an additional {$15.00} because my bank didn't notify me the check was bad until it was too late. The funds should not have been made almost immediately after depositing and because it was a bad check it shouldn't have cleared. I didn't have {$3700.00} in my account to send back to them if the check was bad. Bank of the West stole my money and they need to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUHOME SOLUTIONS, LLC
State: FL

Complaint narrative:
TruHome Solutions , LLC is my mortgage company. On XX/XX/XXXX XXXX XXXX did an Annual Escrow Account Statement Disclosure. TruHome Solutions did not receive my homeowner 's renewal policy nor did they let me know they did not receive until I brought it to their attention on my phone call to them on XX/XX/XXXX. Then I received a letter in the mail on XX/XX/XXXX dated XX/XX/XXXX stating that they did not receive my insurance renewal notice. On XX/XX/XXXX I brought to XXXX XXXX attention that they underestimated my insurance by {$1500.00}. That is when they stated that per Fl. Statue blah, blah, blah they had to run that disclosure when they did without the insurance renewal notice. I asked them to run another Annual Escrow Account Statement Disclosure after I emailed them my insurance renewal notice plus had my insurance company email it to them per the email address TruHome Solutions gave me. I called them numerous times up til today XX/XX/XXXX. I have recorded conversations with TruHome that I asked permission to record them which they said yes everytime. On XXXX I mailed out a check for {$900.00} which they did not apply to my escrow account until XX/XX/XXXX. I also called TruHome on XX/XX/XXXX and gave them a phone payment of {$1000.00} to my escrow account which they applied on XX/XX/XXXX. By the way they sent me a check for {$85.00} on XX/XX/XXXX saying I had too much in my escrow account which I did not. So now TruHome puts my mortgage payment down to {$860.00} for XXXX payment. Then for XX/XX/XXXX I get a Mortgage statement dated XX/XX/XXXX with the amount due {$1100.00}. Then I get another Mortgage Statement dated XX/XX/XXXX with the amount due {$2000.00}. So I called TruHome today and was very upset because I am on disabliity and only make half that amount. It would take both my income and my spouse 's income to make the mortgage payment let alone living period. Now on the phone TruHome said that they ran another Disclosure Statement and I should be receiving it in 10-15 days. Well, first they applied {$290.00} to my escrow account which I paid in XX/XX/XXXX ; then they took off the same amount saying it was a misapplication reversal. Also they did not apply my payment of {$860.00} total for XX/XX/XXXX which I paid. Can you, please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My personal information is incorrect, as I have attempeted multiple times to have this update like my name and I only have one address, as I several incorrect addresses are 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 explanation
Consumer complaint received 2023-02-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My issues were not addressed. I asked the credit bureaus to verify all items on my report, and they did. They stated that everything was accurate without providing proof. I provided all the accounts and highlighted the inaccuracies. Under the FCRA, bureaus are required to have a copy of the original creditors documentation on file to verify that the information is mine, and also correct. They are supposed to provide original copy 's with my signature as verification. None of the three bureaus, Experian, XXXX, or XXXX Provided this information.

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 2023-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
XXXX XXXX and XXXX is reporting a XXXX reported by Lexis Nexis not by a court and should be removed immediately 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES repossessed XXXX XXXX XXXX auto from XXXX State that has been paid off XXXX XXXX XXXX prior to shipping to the State of XXXX  in XXXX in a private parking space in a confidential address. XXXX XXXX reports lawsuit with XXXX  State Multistate Lawsuit with XXXX XXXX. XXXX XXXX notes sold the Auto loan in XX/XX/XXXX to PORTFOLIO RECOVERY ASSOCIATES. XXXX State ETitle DMV held a lien due to contested unpaid child support to a XXXX XXXX XXXX  ( Paid off the title ). 

I responded by email to PORTFOLIO RECOVERY ASSOCIATES employee that the XXXX XXXX XXXX is paid off and must be released. I sent a copy of Paid debt from the XXXX Multistate Auto Settlement with XXXX XXXX XXXX On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES.served certified mail forwarded from the previous address XXXX XXXXXXXX XXXX  to address new address to serve a lawsuit. 

I was served again by forwarded certified mail that my paid-off XXXX XXXX XXXX repossessed by PORTFOLIO RECOVERY ASSOCIATES was auctioned off and that there was {$38000.00} debt from the original auto debt paid off {$18000.00}, which is triple the debt for an auto loan that is paid off. 

XXXX reports debt as paid off Charged off settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I also submitted a complaint with Bank of America : XXXX I needed to wire-transfer XXXX to a XXXX account ( in my name ). This had to be done today ( XX/XX/2023 ). My wife transferred XXXX from her BOA to our joint account. The website and app said that the money is available ( see screenshot ). 

I went to a BOA financial center ( XXXX XXXX XXXX, XXXX MA XXXX at XXXX on Friday XX/XX/2023 ) to make the wire transfer. There, I had to wait for an hour ( until after closing time ) and then was told that my money is not available because the XXXX are " processing '' - despite the fact that this was a transfer between two BOA accounts which both had my wife 's name on it and despite the fact that BOA own website said that the money is " available ( as of today ) ''. 

I therefore couldn't do the transfer on time today and I am now facing losses of between 200 ( minimum ) and 600 Dollars. I am supposed to be a " Plantinum Honors client '' but that surely means nothing for BOA.

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 2023-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
Sent documentation proving fraudulent account, company not responding at a timely matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have closed my account because of fraud reasons. However, I have returned items to the merchant for a refund because of items I never needed when my bank account was already closed and have never received anything in the mail since then. I have called many times my banks customer service line only to be told that a merchants refund sent to a closed bank account will not go through and therefore still have not receive any remaining credits as a check. Other than that, I have been contacting my bank whenever I can but still haven't had a refund going through as a remaining credit and being sent a check in the mail for remaining credits I have on my closed bank account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24 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: COMMERCE BANK
State: KS

Complaint narrative:
Commerce Bank has a feature in their app and on their website that allows consumers to receive notifications ( via email and notification pushes on their phone ) when their balance falls below a set amount. I have had this amount set to {$150.00} so I can be notified when my account balance is low. This feature has only worked one time for me. Commerce Bank even contacted me and indicated their system was having errors pushing notifications to consumers ' phones through this feature and they were trying to fix the issue. I never received a confirmation that the issue was resolved. That being said, I have been on hold through live chat or on the phone for over 10 hours combined to notify them that this feature still isn't working correctly. I even turned the feature off and back on again. Additionally, I have had several overdraft notifications due to this tech error. The overdraft placed the negative amount on my Commerce Visa to the nearest {$50.00} increment along with a {$10.00} fee. For example, if my account dropped to XXXX, I would not receive the notification that it was below my set {$150.00} balance and my Commerce Visa would be charged {$150.00} + {$10.00} to cover the overdraft. In the most recent occurrence of this happening, I had a balance transfer in to cover a negative balance on my account, but this was also followed by the overdraft protection. I addressed this with Commerce customer service and asked that the overdraft be reversed since it came the same day as my outside transfer deposit. The representative told me that they would put in the request to have it reversed as I did my due diligence to make sure the negative balance was covered. They stated that a cash advance would be put on my credit card to cover the overdraft. This cash advance did not occur. When I contacted Commerce customer service again, they said that the request was denied and the bank stated it was not their fault but rather mine. I reported, again, that the low balance feature is not working correctly, even when email notifications are turned on for it. I have checked my spam folder and made sure my notifications for the application are on multiple times. I have attached a message sent to me regarding Commerce Bank acknowledging the technical Iissue with notifications.

Company response to consumer: Closed with explanation