vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 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: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
Multiple fraudulent transactions on my BMO HARRIS CREDIT CARD.

Ive called twice to try and file a fraud claim on these transactions and they keep giving me the runaround, there are over 24 transactions that have been charged to my card FRAUDULENTLY.

Id like to open a fraud claim on these transactions.

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 2023-03-30 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: FL

Complaint narrative:
Upon checking my credit report recently i noticed that were some unathorized inquries on my credit report. I immediately contacted equifax and was advised that I could dispute them online. I submitted my dispute and instantly not even a day later received results from Equifax saying that all inquiries are factual and have to remain on my credit report for 2 years. Equifax basically is allowing theives to steal consumers personal information and apply for things w/o my consent and get away with. I filed a FTC report, reporting the fraud. Someone applied to XXXX XXXX on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. This could have also been the result of equifax 's data breach and my personal information was exposed. I want these items deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Company name is XXXX XXXX. I purchased a XXXX XXXX XXXX in XXXX and gave the vehicle back in XXXX, voluntary repossession. I spoke with XXXX from Credit acceptance she stated I still owe {$12000.00} even after they sold the vehicle for {$2500.00}. But before the repo it was {$15000.00} and im still receiving late payments on my credit report. How can i be responsible for late payments when i gave the vehicle back. I would like them deleted and blocked off my credit report. How is it possible that the original creditor can still report late payments? Thats a factual error and need to be deleted off my credit report. Its inaccurate information and unfair and seems a illegal

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report. Ive never had an account with this credit card.

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 2023-03-30 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report. Ive never had an account with this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: PA

Complaint narrative:
XXXX XXXX is reporting late payments on my credit report. Ive never had an account with this credit card.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is further to my prior to complaints ( XXXX, XXXX ) where AMEX continue to decline that their agent on XXXX XX/XX/2022 promised to get my hard inquiry removed. 

Attaching automatically XXXX generated partial transcript of XXXX XX/XX/2022 with highlighted areas where the agent confirmed it. This is the evidence that Amex continue to ignore or deny

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I was displaced from my job during XXXX and entered into a Deferment. I have documented proof that my account was under Deferment with this company through XX/XX/2021. I even began making payments again prior to XX/XX/2021 up until I was served with a Demand Letter stating account was closed and I began trying to reach the bank directly. Bank charged off account XX/XX/2021 while under this Deferment. Attorney on behalf of company sent a demand letter for the RV while in the middle of Deferment. Account disappeared online XX/XX/2021 and I have been trying to reach a human to get this resolved ever since. All contacts at bank can not find account. No one is able to reinstate so that I can make payments. Attorney has filed a case and is demanding the RV, which I reside in. Bank corporate at account executive escalations will not work with me on this even though I have provided said documentation. Further, I was approved for XXXX  rental assistance ( this applies as this is my full time residence ) and since account was unfairly and unknowing to me, charged off, I have no idea if or how any funds were credited to account. Attorney on behalf of bank refuses to provide a direct contact person for me to try and resolve this. I prefer to amicably work this out rather than counterclaim, but no one will work with me. Perhaps there is a Class Action similar to the XXXX XXXX case regarding the mishandling of mortgages and vehicle loans during the pandemic? Please advise.

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 2023-03-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2022 I cancelled my " 7 day '' free trial with XXXX. I did so by calling their customer service line, and all was good in the world. A few days later, I see a {$100.00} charge from XXXX XXXX  XX/XX/2022 charge ) on my Goldman Sachs " Apple Card '. No worries, I am protected here as a consumer. I file a dispute, and soon after, the findings rule I was in the wrong, per Goldman Sachs. Their backup is frivolous. It shows a trial period ending in XX/XX/2022! My seven day trial was not back in XXXX, they also failed to show me my signed contract with them ( does not exist ), heard they said there was one, which is a lie. Also, their back-up proves my story, that I used their service just once, and right when I said I cancelled you see my data usage drop off. XXXX 's backup proved it. Yet Goldman Sachs ruled against me. 

I told all of this to Goldman Sachs, and each time, same song and dance, I dispute the charge, and XXXX gives the EXACT same backup, and I expand and expand.. providing more backup as to why this charge is frivolous and baseless, and requesting documents from XXXX ( through Goldman Sachs ) and nothing ever comes of it, and I keep getting my dispute denied for the same reasons. " Justified charge '' ... without an explanation, which is wrong. My rights as a consumer for fair charges has been broken, and for proper justice & detailed explanation as to why my dispute is denied, also is not occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition, to civil liability. By obtaining my CREDIT BUREAU consumer credit report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1618b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. supp 2d711 ( S.D Ind.2003 ) I have not initiated any transaction with COMPANY NAME. furthermore, I do not have anaccount as defined under 15 U.S.C. 1693a ( 2 ) with COMPANY NAME for review for collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered because of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the demand, I will seek actual damages which are greater than {$1000.00}

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Thursday, XX/XX/2023, I deposited a check from my employer in the amount of {$910.00} via Chime 's mobile app. I've done this many times previously, and have never had an issue with getting access to my funds. 

However, the app estimated that Chime wouldn't release the funds until Thursday, XX/XX/2023. After spending over two hours on the phone with CSRs who could barely speak and understand XXXX ( having XXXX is fine, except in matters of understanding your customers ), I was told that I could transfer my money to a questionable check cashing app, or transfer it to another financial institution. Should I take the second option, I was told that I could expect a " chargeback '' from Chime for the full amount. 

My issue is that none of the CSRs or the supervisors I spoke to would make any amount of the funds available, despite having the abilty to do so. When one of them confirmed that the check was still processing, I asked to cancel the deposit. Upon my asking, this supervisor suddenly saw that the check had been accepted, and the deposit couldn't be canceled. Despite this change in the check 's status, she couldn't give me a date on which I could expect to receive my money. 

To be clear, Chime has previously processed checks from this issuer on my behalf in the past without a problem,, so I don't understand the issue now. I also don't understand why I was given evasive answers. 

I shouldn't have to wait days to access what is rightfully mine, and certainly not without an adequate explanation as to why I have to wait at all. I don't know what to make of the questionable and possibly illegal suggestions one supervisor gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Equifax has inaccurately reported information on my consumer report. There has been a breach to their own privacy policy and all negative inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
I have sent 3 separate verification letters to asking for documents that can verify the debt is owed by me, date of purchase with purchase agreement, contract that i signed with original creditor. they CAN NOT supply the requested information. they made a letter saying they bought this debt and added a screen shot of an old bill, an old bill screen shot is not verification. They are claiming I have 4 accounts with them and can con provide me with proper documentation. They are reporting on my credit report and hurting my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Genesis Credit Management is working on behalf of XXXX XXXX XXXX  where I once resided the pandemic caused me to fall behind two months of rent at {$1500.00} for each month and she sent me a paper with my balance however we went to court and the judge put in agreement that I would move out and not have to owe her and case was disposed the owner however reported debt and she takes the amount up every time I dispute and now says I owe {$8900.00} or something close to that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2023, I formally closed my Citizens Bank checking account by speaking to XXXX at the customer service line at Citizens Bank who made ministerial entries to close my account with a {$0.00} balance after I wrote a check to bring my account to {$0.00} a few days before calling. However, despite notices that I closed my account with a {$0.00} balance, I received a mini statement 40 days later apparently indicating that my account may still be considered open as I was charged a {$9.00} service charge on XX/XX/2023 which is inappropriate for a closed account. My account was closed on XX/XX/2023 with a {$0.00} balance. Kindly investigate and take required action as no further activity is allowed after closing on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There is a credit card account of Bank of America ( closed ) in not mine so ask them to remove it but still existed

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Due to the bank reversing transactions, I overpaid on the credit card account by {$5900.00}. It has been a hassle getting my money back from them. They are telling me that they need to research and will issue a refund after 30 days. These guys are not even paying interest while they have my property. Basically, they are stealing from me and hiding behind some bogus rules of theirs. When consumers owe the banks money, they hound on you to get their money back. In my case, the roles are reversed and this bank is hesitant to work with me to return my property back to me quick. This is unbelievable and their communication has been like 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 2023-03-30 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: AL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inagcurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( il ) the information is, in fact, inaccurate. 
Unbelievable that the bureau are getting away with this. 

Remove accounts listed below immediately off of credit Report : 1XXXX XXXX- XXXX XXXX XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
This credit card agency allowed fraudulent purchases consistently. Anywhere between XXXX XXXX purchases to hundreds of dollars. As well as when the card is frozen. On top of that there a fees from those fraudulent charges. They refuse to resolve those and add fees on top of them. These charges go through even when the card is frozen so it leads me to believe that this agency is working directly with the people getting in my card or pushing those charges.

Company response to consumer: Closed with explanation