vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I'm very certain that in or about XX/XX/XXXX, a XXXX card was sent to me in the mail by the Employment Developmental Department. i also applied for a XXXX XXXX XXXX account that can be accessed by XXXX. 
Either in a form of unemployment, child support case, or during the time an ( economic impact payment ) prior to the Census XXXX Pre-Paid Debit Card so that my Stimulus Payments & EIC might rather be available by Debit Card form easily accessible, rather than mail and in check form. Around this time in XXXX, CA on XX/XX/XXXX Disaster # XXXX issued funds for the Fire Disaster # XXXX through XXXX XXXX, FEMA, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX were sent in form Wild Fire Assistance Cards in XXXX, this is also when I filed for my unemployment and my information wasn't correct, due to my arm being bumped by the dog & my cellphone screen receiving the confusing way of an undone process that I couldn't fix through the mail, email, cellphone #, as I had been stolen from shortly after. I'm now hoping I can get to the clarity of this issue so that I can prevent being identity thefted as I was in the beginning of XX/XX/XXXX, by a Car Rental. Anything your company can do to assist my situation will be much appreciated. Thank You!! XXXX 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 2023-03-20 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: OH

Complaint narrative:
I have been victimized by identity theft.I reviewed a copy of my credit report and XXXX XXXX XXXX  ran an unauthorized credit inquiry on me on, XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX  and investigate such occurrence I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. I sent them a copy of the Police report from the XXXX Sheriffs Office in conjunction with my CFPB Report my dispute letter and lastly my Identity theft report with the Federal Trade Commission Certified mail on XXXX TRACKING # XXXX Due to the incompetence of EQUIFAX the unauthorized inquiry is still reporting. XXXX and XXXX have both deleted the unauthorized inquiry but for some reason EQUIFAX refuses to adhere to the Fair Credit Reporting Act.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 Account name : XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: ProCollect, Inc.
State: VA

Complaint narrative:
I obtained the debt of an apartment as a result of XXXX. On XXXX it gave the option to dispute any debt that was a result from COVID-19 Pandemic natural disaster. When I disputed the collection with Procollect, they stated that the collection agency stated that the debt was not a result of the pandemic. Which is a lie. Also I reached out to Procollect and asked them to provide me with the details of the debt. XXXX XXXX collection manager who's phone number is XXXX failed to provide me with validation of the balance. I believe the balance they are reporting is incorrect 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 explanation
Consumer complaint received 2023-03-20 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: GA

Complaint narrative:
I have forward all needed documentation that was needed in order for Transunion credit bureau to remove any and all inaccuracies from my consumer report, they have failed to remove any of the inaccurate information base on there reply that my official documents was not official documents. Now Im SUFFERING ECONOMICALLY from their decision to not remove the information from my consumer report. I have been trying to purchase a Home for me and my family, and I am being denied because of the inaccuracies on my file. I am Now seeking legal/financial 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 non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
We had locked in a mortgage with Better Mortgage Co to purchase our home. We had agreed to the following terms within our contract and had confirmed with our Loan Consultant ( XXXX XXXX ) and Loan Coordinator ( XXXX XXXX XXXX multiple times that each was complete and ready to go. 
- My Wife XXXX and I both on title - {$15000.00} in seller credits and concessions - Signing date of XX/XX/20 at XXXX CST Today on XX/XX/20 at our time of signing, we discovered that the Better team did not complete any of these items, which cancelled our signing date and will likely result in us not closing on time. They additionally did not add my wife to the title despite having all of the docs from the title company more than 2 weeks in advance, and did not handle the concessions/credits properly allocating only {$5000.00} into the contract. This has now forced us to either cancel the contract at a {$3000.00} loss in escrow and even more financial/emotional distress of relocating without a place to live, or to take over {$15000.00} in losses at closing. XXXX XXXX has not returned messages on over 6 phone calls and 3 separate emails, while we have email confirmations from XXXX XXXX stating the above terms were completed which was clearly not the case. 

Upon bringing this up to the customer service team and attempting to get in touch with the above individuals, we have been disconnected by the agents 3 times, placed on a 35 minute hold ( which was disconnected ) and given the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America will not allow me to make payments online it will only allow phone call payments. I have ask them several times to fix this so I can make payments on my time and not during their business hours.

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 2023-03-20 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: TX

Complaint narrative:
On my credit report XXXX XXXX XXXX XXXX Account number XXXX the account was charged off for the first time in XX/XX/XXXX. I noticed these charge off have went on for nearly 3 years now, negatively impacting my credit score each month up until this last month XX/XX/XXXX. This is illegal! FCRA law section 623 says an account can be reported delinquent on the months THAT IT IS LATE but once an account is closed it CAN ONLY REFLECT charge off up until the closing date. Anything after that is not supposed to be reported. Also in XXXX my report shows a 30 day charge off for two months in a row ( XXXX and XXXX ) which is not possible and inaccurate. The same thing happened in XXXX where I have two 30 day late payments back to back for the months of XXXX and XXXX. these are violations of my rights and have made my life much harde to obtain credit. this is not the first time I have brought this to attention.

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Assistance Inc
State: TX

Complaint narrative:
I RECENTLY REVIEWED MY CREDIT FILE AND NOTICED A ACCOUNTS I DID NOT AUTHORIZE. I OBTAINED A POLICE REPORT AND PROVIDED THIS INFORMATION TO THE THREE MAJOR CREDIT BUREAS. XXXX INVESTIGATED AND REMOVED THE INANCCURATE DATA. I FORWARDED THE INFORMATION TO XXXX AND XXXX BUT THEY HAVE YET TO FOLLOW THE FCRA, WHICH STATES ALL INVESTIGATED INFORMATION FOUND TO BE INACCURATE BY EITHER CREDIT REPORTING AGENCY IS TO BE SHARED WITH ALL OTHER BUREAS AND THE INFORMATION IS TO BE REMOVED ALSO I LIVE AT XXXX XXXX XXXX  XXXX XXXX TX XXXXXXXX NOW AND FINANCIAL ASSISTANCE IS NOT LICENSED IN THE STATE OF TEXAS WHERE I HAVE LIVED SINCE 2019 SO I NEED FINANCIAL ASSISTANCE REMOVED FROM MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Dear sir or madam, I opened my BMO Simple Business Checking account on XX/XX/XXXX. At that time, BMO Harris has a promotion to open the business checking account. 

These are promotion requirements : By Day 31 your balance must be {$10000.00} and it can not drop below {$10000.00} for the next 90 days. 

Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of : ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions. 

I met all these conditions. But I did not receive {$500.00} bonus. I called BMO customer service and spoke to XXXX on XX/XX/XXXX. She documented what I said, Feedback XXXX XXXX XXXX, and she said that she would call me back about the status. But she didnt. I called BMO customer service again on XX/XX/XXXX and asked for the investigation status and was told that I am not eligible for {$500.00} bonus due to my account was opened on XX/XX/XXXX, and promotion has been expired. 

The thing is I opened my BMO Simple Business Checking account on XX/XX/XXXX, After I submitted all my information, I received an email to ask me to upload Business Registration Documents, which I uploaded them immediately on XX/XX/XXXX. BMO has all my information on XX/XX/XXXX. 

BMO rep told me that my account was approved on XX/XX/XXXX, which is one day late for the promotion. I dont know what happened and why it took another day for BMO to approve my application. However, I submitted all my information on XX/XX/XXXX, I also called BMO business checking customer service to confirm I was eligible for the promotion. This should be considered that I opened BMO Harris Simple Business Checking account on XX/XX/XXXX. 

I opened my Simple Business Checking account on XX/XX/XXXX, and I fulfilled all promotion conditions. Per BMO promotion requirements, I should receive {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} into my account. 


Thanks 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 monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Mismanagement of auto loan where interest rates were too high

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2023-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Vengroff Williams, Inc
State: CA

Complaint narrative:
I rented a small truck from a XXXX on XX/XX/XXXX. I returned the truck on the same day, as documented in the enclosed receipt. 
I was charged for 2 days of rental. 
I contacted the merchant who refused to make the adjustment. I contact the Bank XXXX XXXX ) who investigated the matter over several weeks and confirmed that I was correct. 
The Bank issued a credit for the extra day of rental and made a payment for all other charges. 
I received a letter from a Collection Agency Vengroff Williams Inc, that I need to pay the full amount ( even though the merchant had been paid by the Bank for total amount minus one day of rental charge ). The Collection Agency has threatened to submit this to the Credit Agency by XX/XX/XXXX. 
I have contacted the Collection Agency over the phone and via emails, but have not heard anything back. 
Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX  Credence : XXXX XXXX  : XXXX XXXX in XXXX XXXX, CA provided me an ambulatory ride on XX/XX/XXXX to the emergency room. During that ride, ambulance staff did not request any form of identification or insurance. In hospital care, I provided my insurance information, which included full coverage of medical transportation. XXXX did not contact me during anytime between XX/XX/XXXX - present about the charge before submitting the bill to debt collections. 

On XX/XX/XXXX, I received a phone call from XXXX about a bill in debt collections for {$3500.00}. On the same day, I called XXXX about the charge and they told me that they sent me a bill to the location they picked me up, which was a student address. I was no longer living at the address at that time. After that call, I called my insurance and they reported that they never received a bill or claim for an ambulance ride either. At no point did XXXX attempt to contact the hospital or me to get this information. 

On XX/XX/XXXX, I called XXXX with my insurance regarding the bill and inquired if they can submit a claim to the insurance. They said that they can not submit the bill due to " timely filing '', and they will need my insurance to send a " timely filing waiver form '' and can not guarantee that they will bill my insurance. They also told me that this request will also take XXXX days to process with no guaranteed outcomes. 

To this date, I have not received a single document about any charge. I have requested XXXX and XXXX to send information to my home address on XX/XX/XXXX and XX/XX/XXXX, respectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
A Capital One and a XXXX credit card was applied for in my name fraudulently on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: CO

Complaint narrative:
As part of a mortgage application with XXXX XXXX, I consented to XXXX pulling a credit inquiry for the application. Afterward Ive received several robo-dialed calls and text messages from a company called XXXXXXXX XXXX, indicating they received information from TransUnion indicating a I might be looking for a new mortgage. 

I did not consent to XXXX or TransUnion to have my data shared with or used by 3rd party affiliated to market products and services to me, and the text messages do no offer opt-out instructions.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I received in XX/XX/XXXX a refund check from Comenity Bank for my ( now closed ) XXXX credit card account ( XXXX sent a notice over a year ago that they were no longer accepting purchases using their credit card ). The check was in the amount of {$340.00} and there was no explanation of what the refund was for. I cashed the check and then on XX/XX/XXXX, I get a bill saying that I owe this amount and the explanation was " XX/XX/XXXX Misposted Payment ''. I called the bank and was told to send a letter, which is attached hereto. That amount sounded familiar and I realized that it was the same dollar amount that was disputed in a claim filed with you against the bank by my mother, XXXX XXXX. That amount was paid 2 days earlier than due ( per her bank statement ), but yet the bank ( which had taken over the XXXX credit card accounts from XXXX XXXX XXXX in XX/XX/XXXX ) added interest and penalties to her next monthly bill. 

I do not have the bill ( s ) showing where my {$340.00} came from and requested same in my letter. I was told it would take up to 90 days to resolve this matter. In the meantime, they have on record that I am disputing it so that there will be no interest or penalties incurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian, XXXX and XXXX, seem to be in violation of breaking the laws 15USC1681 section 602 state, I have the right to privacy As 1681 section 604 ( a ) section ( 2 ) state consumers reporting agencies can not furnish a account without my written instructions 15USCI666 ( b ) state a creditor can't not treat a payment on a credit card under an open end consumer credit plan as late for any purpose

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 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On today ( XX/XX/23 ), I received a call ( which I did not answer, but was left a voice-mail ) that stated a civil complaint has been filed against me and was advised to contact XXXX and provide the complaint number of XXXX. The caller stated his name and that he was calling from a XXXX XXXX XXXX. The number he called from is XXXX. 

I called the number and was told that I have an outstanding account with JP Morgan of {$2800.00}, which was originally {$8700.00}. I explained to the man, " I have never done business with JP Morgan and don't understand how I can have an outstanding account. He was able to tell me my D.O.B and social security number, which I NEVER confirmed. 

Unfortunately, being nervous and overwhelmed, I confirmed my home address and gave him my e-mail address and he had a docusigned form sent to my e-mail ; however, I did not open the e-mail. 

After hanging up, I checked the three Credit Reporting Agencies and noticed that on today a company with the name of XXXX XXXX XXXX out of XXXX, CA XXXX made a soft inquiry through XXXX.

Company response to consumer: Closed with explanation