vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 Bank of America credited my account twice instead of once due to what appears to be a technical error ( they admitted as such when asked over the phone ). During this period my credit account was shown as negative. I continued to post payments as asked by the bank according to its own official statements. Several statements ( from XX/XX/2023 to XX/XX/2023 ) showed {$0.00} due for that cycle and therefore, I did not post any payments during that period as I assumed I had overpaid previously. On XX/XX/2023 the bank rectified the mistake and charged the account for the erroneous credit. At this point I first became aware of the issue, and of course, paid my balance for the next month in full, as I have always done for the many years I've been with the bank, and through all my other open and closed accounts anywhere else. 

Despite this, the bank later reported to the credit bureaus that my credit card was delinquent for 60 days ( during XXXX and XXXX ), even though, at no point in time, I had an official bank statement stating any amount was due and unpaid. After months of back and forth and wasting countless work hours of talking to the bank and several assurances by some bank employees to fix this - as they admitted to me over the phone to the bank 's own contributory negligence in that matter- my credit score seemed to be fixed- only to later realize it was done so only during the investigation, while the bank actually kept reporting to the bureaus that the delinquency information is actually correct. More months had passed, I tried the same route of talking to the bank, being ping-ponged to different departments, having told I need to wait for months for this to be fixed. I went through another cycle of investigation where my credit was seemed to be fixed, but again, it was only temporarily during the course of the investigation, and I was back to square one. It had appeared at this point, after more than 6 months, that I have exhausted my options dealing with the bank directly on that matter. During this time, I was unable to rent an apartment and have good conditions on a car loan I was seeking, and this had caused me some adverse financial burdens as a result of seeking different routes. 

I should note that one agency - XXXX - actually did retain the corrected information for my accounts, and does not show the delinquency, while the problem persists currently with XXXX and 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
This is the third time I've asked the agencies to correct my consumer report since the accounts listed below are Inaccurate. My life and personal reputation depend on the outcome of my consumer report. I'm exhausted and stressed every day. Delete these inaccurate and unverifiable accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: GA

Complaint narrative:
I received a Fraud alert notification from XXXX from Charles Schwab went off on my phone about a possible fraud notice on XX/XX/2023. I was then contacted by the Charles Schwab Support Team at XXXX XXXX. The gentleman assisting me locked my account and stated that my account will be taken care and any posted transactions or fees for transactions will be removed of and asked me if I would open a claim to the fraud team. I allowed him to open an investigation with the team and he told me that I would expect a call back some time in XXXX - XXXX hours which would be some time Saturday at XXXX. My conversation with him lasted XXXX hour XXXX minute and XXXX seconds. Saturday came around and nobody called me. The time is XXXX when I decided to call back the number. I spoke with a gentleman who helped me get back into my account and then transferred me because he had no idea how to assist me with my money. I was transferred to a lady who informed me that the fraud team did not work on weekends and to expect a call some time Monday. I asked if there was a way to reach out to the fraud team so seek a resolution to the withdrawn money from my IRA, Savings, and Checking account. I was told there is no way to contact the fraud department other than by email and that she would put in a request for me. My call lasted XXXX minutes and XXXX seconds with them. It is now Monday and nobody called. The time is XXXX and I called the customer service hotline at ( XXXX ) XXXX and spoke with a man who had no idea how to help me. He double-checked with me that my account was secure and said there was nothing else he could do for me. I currently can not get into contact with anyone who has the knowledge or understanding on how to resolve my situation other than " Wait for us to call you. '' I spoke with him for XXXX minutes and XXXX seconds. I already have access to my account now but nobody has any idea of the money that was withdrawn via fraud and has no true answer that I'm receiving help or that I've even been helped at all in regards to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.

Under 15 USC 1681 -602, states I have the right to privacy.

15 USC 1681-604A section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open on a consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Yield Solutions Group, LLC
State: PA

Complaint narrative:
Today, I have received a rejection letter from XXXX XXXX XXXX XXXX, stating that I was denied a loan for the amount of {$26000.00}. As I was told by XXXX, XXXX of the prerequisites was to have a minimum score of XXXX. I did my research on RefiJet before I even gave them my consent to verify my information using my XXXX and XXXX credit reports. I feel like I've been bamboozled. With the rejection letter, XXXX XXXX XXXX XXXX did not use XXXX nor XXXX, only XXXX. I have the documentation to prove my claim. Just for the record, all information is recorded, as I was told countless times by RefiJet agents. Again, the only thing I needed was a XXXX XXXX XXXX. XXXX assured me that my application will go through without a problem. It was until XXXX and other agents got involved and ruined the entire application process. This evening, I connected with a RefiJet agent named XXXX, who was not sympathetic nor did she address any of my concerns regarding my application. I was not pleased with any response that was given. I explicitly stated on call that I will be contacting the CFPB about RefiJet misusing my information to unknown sources without my knowledge/permission. I have unfreezed both my XXXX and XXXX credit reports because of what XXXX and XXXX asked me to do. I was transparent about my goal as a consumer and they were retrieving all the pertinent information that I've provided them in the chat through a third party software that is often used by them. I want to stress this... I did not give RefiJet consent to use my XXXX credit report and share it to third party lenders. It wasn't until today that I received the rejection letter stating that XXXX nor XXXX was used on the application. I'm wondering if those reviews about RefiJet are legitimate. But that is besides the point. I am opening a claim for CFPB to investigate RefiJet and their unethical business practices. I will also dispute this hard inquiry with XXXX. I did not give them my permission to use XXXX for the hard inquiry, only XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Care credit account opened in XX/XX/XXXX, I have made payments totaling just over {$2000.00} and I have only paid down my balance by just under {$400.00}. I was enrolled in a credit protection program that I did not authorize which was charging me {$52.00} per month. In XXXX of XXXX my available balance to use was just under {$500.00} and by the time I needed to use it, less than one month later my available balance to use was {$97.00}. ALL of the money I have paid towards this debt has been erased by fees and interest charges

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 2023-10-23 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: OH

Complaint narrative:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

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 2023-10-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I have submitted disputes to Experian over 12 times already, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX requesting the removal of a few accounts, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I am dismayed that Experian has not taken care to maintain the procedures to assure complete accuracy in the information they have published and has not complied with the law by providing the requested information within the 30 days allowed. 

The accounts that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX + XXXX XXXX XXXX XXXX + XXXX XXXX XXXX + XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The hard inquires that I know to be reporting as a result of a mismatched credit profile, theft and with errors are : XXXX XXXX NA XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX + XXXX XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 



Experian can see that there are alerts attached to my profile about mismatched information along with long standing fraud alerts. I have never lived at or received mail at these addresses : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IA

Complaint narrative:
My son went into the XXXX office branch XX/XX/2023 to close the checking account I had opened for him when he was a minor. He worked with the teller at the counter and confirmed everything was closed - much to our surprise we find out something was deposited into the " closed '' account on XX/XX/2023 and now the bank has charged us an insufficient fund fee EVERY month since then. This has taken the amount deposited and now they say we owe them money on top of that!!! How can a deposit be accepted on a closed account?! It should have rejected back to the sender! 
The original bank was Bank of the West but they have since merged with BMO. The monthly " junk '' fee they charge went from {$10.00} a month to {$15.00} a month now!

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My car payment from XX/XX/2023 was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within XXXX XXXX involving all of our personal information. Now, we have a late payment from XXXX XXXX XXXX although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: AL

Complaint narrative:
My car payment from XX/XX/2023 was reported as late. However, the payment was made out of our XXXX XXXX account. The check was canceled by XXXX XXXX, however, we never canceled the payment and there was money in the account. After this, we received a notice in the mail stating there was a data reach within XXXX XXXX involving all of our personal information. Now, we have a late payment from XXXX XXXX XXXX although the payment was made. Then, our car was repossessed although we made all payments. Now, were unable to get the car back unless we pay the full balance owed on the car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IL

Complaint narrative:
In Accordance with the Fair Credit Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

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 2023-10-23 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: IL

Complaint narrative:
In Accordance with the Fair Credit Act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights as a consumer 15 U.S.C 1681 section 602 A States i have 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 and without legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Propel, Inc.
State: WI

Complaint narrative:
Multiples {$5.00} transactions from XXXX XXXX  that were made on my account not by me totaling {$77.00} between XXXX XXXX  and XXXX XXXX  in the XXXX  I reported it they did a 19 day investigation and never returned the funds said they found nothing wrong yet they werent my charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: FL

Complaint narrative:
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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief