vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XX/XX/XXXX, purchase round trip ticket on XXXX XXXX XXXX XXXX included rental car. Trip number XXXX and XXXX, I immediately contact XXXX XXXX told the they double charge my account. XXXX refunded one rental and charge second airline ticket and rental. 
Purchase date XX/XX/XXXX Payment method XXXX ( XXXX ) Billing name Affirminc XXXX Cost per person {$350.00} Round-trip Ticket 1 Car for 3 Days Taxes & Fees {$72.00} Number of travelers X1 Due at hotel {$180.00} Trip Protection {$25.00} Total Charged {$260.00} XXXX XXXX AFFIRM * PAY NQ XXXX XXXX XXXX XXXX XXXX  {$77.00} XXXX Transactions XX/XX/XXXX AFFIRM * PAY AQ XXXX XXXX XXXX XXXX XXXX {$43.00} XXXX account ending XXXX unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX willfully and knowingly ( 15 usc 6823 ) is practicing a deceptive form of collecting on a debt which is a violation of my rights as a consumer under U.S.C title 15 chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. My social security number was used to loan me my own credit from the master promissory note ( which is equivalent to money according to 12 usc 1813 i ) aka the car loan application, I filled out online via XXXX XXXX XXXX XXXX financial institutional app. I know my social " SECURITY ( number ) is valuable. XXXX is a debtor illegally barrowing against my security and loaning it back to me according to 12 USC 83. I know that NO BANK can use my funds ( aka dollars ) for fractional lending because all obligations belong to the United States according to 18 USC 8. Furthermore, when I put my signature on this security, XXXX failed to fully disclose the consumer transaction. 

This is an advisory of XXXX 's best interest to be cooperative of my requested remedies. Otherwise, pursuant to 28 usc 3001 civil suit through the United States district court will be fervently be pursued and executed. You all are highly aware of the power I have as the consumer, natural person, and original creditor which is why I will stop at nothing to get this matter to be favorably settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
As a follow up to COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021, the bank didnt refund any of my overpayments ; in fact, during the investigation I was still receiving interest charges, and when I followed up with Bank of America I was advised that based on their review I should never have been credited those fees and would not be receiving future credits. This veiled threat forced me to pay back {$720.00} which according to their records was the difference between the original {$750.00} overpayments less the credits to my account since this posting mistake. 

To recap the previous issue, which can be reviewed in detail in the original complaint ( COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 ) : I overpaid my credit card right before requesting a balance transfer. The bank advised me that because the overpayment of {$570.00} could not be applied to this transaction, the only option would be to get that back. No discussion happened about the impact of the credit as a purchase. Then in XXXX I was out of the country for my grandfathers funeral and couldnt recall if I had paid my credit card so I sent a payment of an additional {$180.00} because I couldnt remember scheduling the XXXX payment. The bank refused to let me use that towards XXXX bill and offered instead, amidst the interest fees debacle, to refund the payment but ensure it was not treated as a purchaseand they not only treated it as a purchase, they incorrectly refunded the amount to hold back 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 2021-12-10 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I closed My American express account after XXXX years of on-time payments due to them dropping My spending limit from {$50000.00} to {$500.00} for NO reason. The XXXX card costs {$550.00} annually, so I asked for My annual membership fee back. They sent a check, I deposited it. XXXX months later I get a statement for {$660.00}? I closed the account on XX/XX/20, Inquired about the debt, they said they sent a " XXXX Check '' that was cashed? That never happened! I asked to have an image of both signed checks sent to Me and they never did and still have not. It was sent to a debt collector and My credit is still suffering because of their mistake. I hired a XXXX to force the end of this and he got nowhere as well. I have sent letters to corporate, no reply, spent hours on the phone, hired a XXXX with no progress. I have spent more money proving My position and it is still costing Me money every month on other accounts because of My credit rating. 
Please Help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone stole my chase personal and businessbank account and is making claims ending in XXXX. I tried to resolve it with the company. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO EQUIFAX, XXXX, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY GOVERNMENT JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AmeriCollect
State: IL

Complaint narrative:
XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. 

Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I've contacted the Company that is holding my account " XXXX XXXX '' multiple time this month XXXX XX/XX/XXXX. I've also been contacting XXXX XXXX on behalf being the company that submitted my account to collections. I spoke to a representative from XXXX and my account was never supposed to go into collections. XXXX XXXX on the other hand wants to hold my account and will not remove it from my credit report because there saying they don't have the capability even though they do. Now I've spoken to XXXX and they are submitting a courtesy deletion to XXXX XXXX to remove the account from my report. I believe XXXX XXXX will not remove it and want to hold my account just because they can and it is very frustrating. I've submitted disputes to all three credit holders XXXX, XXXX, and TransunionXXXX XXXX investigated it and removed it from there end, now Transunion updated my information but didn't remove it. Why would XXXX remove it but Transunion not. I am currently trying to buy my first home and need this removed from my credit report so I can qualify for my home. I've had this account paid off since XXXX. Please help me.

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs this account has already been deleted by XXXX due to obvious errors in reporting

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for 2yrs seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information..

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for 2yrs XXXX has already removed this account due to serious errors in reporting

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 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello! My name is XXXX XXXX. My current address is at XXXX XXXX XXXX XXXX XXXX CA XXXX. 
I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
Below are the dates, account ( s ) and account number ( s ) .This request has been denied and I would like these inaccurate information to be removed. 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN TRANSUNION AND XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ONLY XXXX XXXX  XXXX XXXX  IN TRANSUNION AND XXXX ONLY XXXX I would also like these inaccurate information to be updated . 



IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN TRANSUNION AND XXXX XXXX XXXX XXXX XXXX NC XXXX IN TRANSUNION XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX ONLY 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 non-monetary relief
Consumer complaint received 2021-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX acct # XXXX - disputed multiple times came back verified, I supplied proof to each bureau that creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 
this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed this account due to serious errors in reporting

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX - these accounts have been disputed multiple times and came back verified, I supplied proof to each bureau that the creditor was not reporting 100 % accurate information and they allowed it to be reported incorrectly for XXXX seriously affecting my credit worthiness to other creditors and affecting my interest rates based on unverified/incorrect information.. 

this account should be removed immediately due to errors, and the credit bureau cited for failure to report in accordance with FCRA for XXXX XXXX has already removed both of these accounts due to serious errors in reporting

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 2021-12-10 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
I have a payment arrangement with Santander and they continue to charge fees making it impossible to pay off I have no access to statements just transaction history

Company response to consumer: Closed with non-monetary relief