vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-29 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America first is marking accounts as past due when payments have been made each month on the credit card. Sometimes multiple payments in each month and it will still show Im past due. I have contacted the bank six months in a row with concerns because if I dont they will charge me a {$35.00} late fee if I fail to call and make them fix their mistake. I get paid once per month and pay all my bills immediately. If additional money remains I will make additional payments through the month. Regardless of when Im making these payments it is still coming up as past due. This is effecting my credit score with past due constantly showing on my account and definitely not okay when they keep telling me to just make my payments later in the month which allows them to collect more interest. I feel this is clearly theft from their customers and absolutely effects me and Im sure many others with this issue they are having in their systems not correctly updating payments. I do have screen shots of all my payments as well as the past due banners on my account that shouldnt be there at all. Including one showing the banner as well as the clear payment made within that month. Please contact me with any further questions you have regarding this situation and I will gladly answer them so that we can solve this for all America First customers since I can not possibly be the only one dealing with this. I question how many have been over charged the {$35.00} and dont even realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have asked Equifax multiple times to add an extended fraud alert on my credit files. However, when I looked at my credit reports today, only Equifax is still showing just a ONE year alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( AMERICREDIT XXXX ) company. I requested that they send me the written " Permissible Purposes '' document with my signature on it, but I receive no response or explanation. I also sent certified documents ( tracking # XXXX ) which were returned and unable to be delivered. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 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

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 2022-11-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, XXXX and Transunion. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXXXXXX XXXX  and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXXXXXX XXXX sending on XX/XX/2022, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the second Friday of each month. In my case, is XX/XX/2022. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.

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 2022-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
LCI is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX  XXXX XXXX Georgia, which is false. I have included a letter, from the XXXX XXXX  XXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
LCI  is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it 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 explanation
Consumer complaint received 2022-11-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
RE TJX Synchrony Bank credit Card. 
I made a 1 time purchase on the telephone from an ad I saw using Synchrony Bank credit card. After first order was received and paid for the company continued to send me multiple orders all of which were returned to sender unopened. They charged my Synchrony Bank credit card. I called the number from the telephone number listed on the address label of the package and instructed them to not send me anymore shipments and I told them that I had never ordered these products and everything was return shipped via US Post Service to them, that they must remove all charges to my credit card as I did not have the product. I never agreed to any multiple order shipments. I would never do such a thing! On my credit card the company name was XXXX XXXX  '. I got their their phone number from Synchrony Bank when I called them to find out what the charges were for when I found to that this was another name for this face cream company. There were multiple charges on the credit card from a company with a different name and it took me a while to figure out that it was the same company with this face cream product {$19.00}. I was very firm that I did not want any repeat orders. 
Synchrony bank credited me the amounts on XXXX XXXX XXXX XXXX {$110.00}, {$110.00}, {$39.00}, {$110.00}, {$110.00}, {$39.00} I contacted Synchrony Bank to close this card and they sent me a new card. I explained the situation and was assured that this was the best way to stop this company from billing me. The representative understood the situation and agreed that it should be closed and a new card issued to stop further charges. I specifically discussed this situation with Synchrony Bank, opened a dispute. My account was credited and the account was closed. After my account was closed the charges reappeared on the new card. I spoke with Synchrony Bank customer Service who told me the company recharged my account. This is exactly what I was trying to avoid. Now Synchrony Bank is billing me for these charges including interest charged if I do not pay, I have spoken with their account managers several times in order to get this resolved without success. At this point I am trying everything to clear this charge up. I am desperate as I have spend huge time on this and hours on the telephone without the respect of Synchrony Bank.

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 2022-11-29 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights 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

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 2022-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received a response with an itemized list of charges they claim I owe. I then mailed a second letter validation letter, which they received on XX/XX/2022. 
I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime online bank has locked my account for bo reason. They asked for my ID, proof if address and proof of my phone number. I sent that to them 4 times and even called to verify my identity with a human. They still will not unlock my account. I even took a selfie picture holding up my drivers license next to my face and they still are refusing to unlock my account. I've decided to switch banks but need to get into my account for my future deposit coming in from my employer. They are harassing me and giving me the total run around and I need some help with this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This has been going on for almost a year. I've called XXXX XXXX informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
XXXX XXXX ( Bank ) XX/XX/XXXX I have BMO Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
BMO HARRIS BK N.A. ( Bank ) XXXX XXXX, XXXX BMO HARRIS BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXXXXXX 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 2022-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NV

Complaint narrative:
Multiple calls from different numbers attempting to collect a debt that is not mine. Person/ Persons Impersonating a debt collection agency in an attempt to collect on a small debt. Harassing calls and text messages

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 2022-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One has an inquiry CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX refuses to remove the inquires and the following companies have been notified

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
On XX/XX/XXXX I went to the financial institution to ask for the payoff quote of my loan. I knew my last payment was on XX/XX/XXXX, I just didn't know how much would be the amount. When I get my letter stating the payoff balance, the amount was {$2300.00}. When I asked the assistant Manager, she stated that it was in result of the loan extension that was automatically applied to my account due to the Hurricane Maria emergency and that was the amount to be paid. I was not able to analyze the information at the moment of receiving the payoff letter due to my agenda. After reviewing the letter and seeing the outstanding balance being almost half of the initial unpaid principal balance ( {$5000.00} ) at the beginning of the loan back in XXXX, I realized that this was an unfair, deceptive and abusive practice. Once I went to the branch to discuss this high amount of the last payment, on XX/XX/XXXX they advised me that the interest for the loan extension had been accruing interest for all these years even though I never agreed to the terms and conditions of the alternative and it was automatically imposed on all customers. I never had the opportunity to refuse or sign any document or contract that stipulates that I was in agreement to the loan extension, and never got any letter stating the same terms and conditions being applied to my loan account. They advised me that there was nothing they could do to solve the matter and advised me to request the loan history with the customer service department but they could not provide details regarding balances of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
i was never seen this for this medical visit it was not me who got medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: NY

Complaint narrative:
I am writing to notify you of the violation of my rights under Federal law. Understand that if these accounts are not removed from my report immediately, I will take legal action against you as my right under federal law. 
Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ..... 
Understand that by this law, XXXX is included because you provide this consumer report and you are a consumer reporting agency! Under 15 USC 1681 ( 2 ), it also mentions exclusions pertaining to consumer reporting. I am quoting directly from congress so understand that your reporting is a federal violation based on laws put in place by congress.

15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 
The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. 
I will not be violated any longer and will seek legal action and monetary compensation for the adverse actions taken against me if these accounts are REMOVED IMMEDIATELY.

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 2022-11-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
Hello! Im reaching to you guys because of a personal loan I made with the First Bank Puerto Rico of {$20000.00} dollars and its a new loan in which my first payment was for the amount of {$450.00} according to our contract starting due date on XXXX and In advanced I payed the XXXX of XX/XX/2022 and they acceppted and confirmed that the breakdown of how the first payment was applied was around {$180.00} for the principal and around {$270.00} for the interest. Till that time the information was fine with me. But for my surprised suddenly the next payment I made in advanced as well the XXXX of XX/XX/2022 for a due date on XXXX for the same ammount of {$450.00} I asked how was the breakdown made and they are saying all the ammount was applied to the interest. I feel worried and concerned of how my payments are being placed because they arent able to explained to me how its that possible beacause Im paying with one mont ahead of my actual due date. I feel some type of way deceived and in a fraudulent action. beacause till this day the institution of First Bank doesent have any answered and any mantenence for that payment. I would like an investigation for this situation please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29 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: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
XX/XX/ reached out to Louisiana Recovery Services to remove an account that was included in a bankruptcy as it is being reported on my credit report incorrectly and it is causing problems with reducing my score. They will not remove the account off of my report as I do not owe Louisiana Recovery Services. XXXX XXXX was the original creditor and the account was resolved with a Bankruptcy.

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 2022-11-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, Equifax and XXXX. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXX XXXX and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXX XXXX sending on XX/XX/, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the XXXX XXXX of each month. In my case, is XX/XX/. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.

Company response to consumer: Closed with explanation