vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Someone created a fraudulent account with Affirm in my name and withdrew a XXXX XXXX XXXX from my banking account tied to my actual Affirm account thus I reported the fraud and Affirm closed my account. I didnt have a way to keep making the auto payments or manually make them and when I would call, each person I spoke with couldnt figure out was going on and multiple customer service folks said the account was closed and i didnt owe a payment. But then they came back and said i had a late payment. I had a handful of calls AND handful of written comms with them trying to sort out the issue. Because the COMPANY kept saying on multiple occasions the account was closed and payment wasnt needed. Time lapsed resulting in a late payment that I was trying to pay/ sort out on time. They did not acknowledge their part in this and refused to accept my dispute and even though I have records otherwise and I was never late to pay entire or after the one issue which was related to fraud because of Affirms poor systems, controls and transaction monitoring.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX  Can you tell me who the original creditor is? I dont recognize this account, and Im not agreeing to it. I mean, would you agree to this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: CA

Complaint narrative:
I have sent the creditors, a certified mail of a validation letter to show proof and what I owe and date, ,also calling me numerous times a week with text messages. creditor is not the original owner of the debt. They are a company that bought the debt and didnt have a wet signature of me {$660.00} XX/XX/22 Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting 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:
I have a former bankruptcy on my credit report I asked them to provide that the XXXX to provide the reporting status from the XXXXXXXX XXXX XXXX XXXXXXXX. According to the Court them don't report Bankruptcy therefore I need XXXX to provide documentation from the courts. In real time writing.

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 2024-09-08 00:00:00
Product: Credit 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/2024, my credit card was charged by XXXX XXXX in the amount of {$980.00}. Subsequently, I noticed a billing error in the amount of {$240.00} and have made several attempts to contact the merchant and resolve this billing error. Unfortunately the merchant never responded to my multiple communications. 

On XX/XX/2024, I initiated a credit card billing dispute with Barclays. The dispute case ID is XXXX. 

On XX/XX/2024, Barclays sent me a copy of merchant response to my billing dispute. The merchant response itemized billing items, including the item that was billed in error. I provided additional supporting documentation to Barclays to explain the billing error. 

On XX/XX/2024 and XX/XX/2024, I received additional communications from Barclays notifying the case is closed without resolving the billing error. No further documentary evidence was provided by Barclays to explain its decision. 

In accordance to the section 1666 ( a ) ( B ) ( ii ) of the Fair Credit Billing Act, the creditor shall send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the creditor 's billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

By closing this billing dispute without providing documentary evidence to support its decision, Barclays has violated the Fair Credit Billing Act.

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 2024-09-08 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: FL

Complaint narrative:
Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau XXXX EQUIFAX Account Type : Credit Card I am writing to you under my rights according to the Fair Credit Reporting Act ( 15 U.S.C . 1681 ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to dispute inaccurate and unverifiable information on my credit report related to the account I hold with [ creditor name, e.g.XXXX XXXX XXXX XXXX XXXX, which has been marked as a " charge-off. '' After reviewing my credit report, I have identified the following discrepancies between the credit bureaus ( XXXX, XXXX, and Equifax ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported as " Charged off, '' additionally noting that the balance was " reported as a loss by the creditor. '' Furthermore, according to the XXXX report, the account was closed due to inactivity, which is a significant discrepancy compared to the other bureaus that do not mention inactivity as the reason for closure. This inconsistency between the credit bureaus impacts my right to have my information reported accurately and fairly as stipulated by the FCRA under 15 U.S.C. 1681e ( b ), which mandates that credit bureaus maintain maximum accuracy in the information reported.

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information regarding credit obligations and payment history, which is not being reflected in this case due to inconsistencies between the different credit bureaus.

I request that, in accordance with the FCRA and TILA, you investigate this dispute and promptly remove the inaccurate information and the charge-off from my credit report, as the discrepancies and errors demonstrate the inaccuracy of the information being reported. Please provide me with the results of your investigation and a corrected credit report as soon as possible. 

I have attached copies of my credit report highlighting the discrepancies and the inaccurate information. 

Thank you for your prompt attention to this matter. I look forward to your quick response.Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that, TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

As an active member of the military, it is critical that these fraudulent inquiries, which are the result of identity theft, be removed and blocked from my report 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 non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The following is response to complaint ID 's XXXX XXXX The following hard inquiries were not added on those reports XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX 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

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 2024-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score.

Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each indvidual whom you verified and validated the above information with, so that I may follow up accordingly. 

Additionally, please send me an updated copy of my credit report after completing your investigation Account Name : XXXX XXXX  Account # : 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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year> I applied for a credit card from bank of america and got denied. 15 US code 1691 states it is illegal to be denied credit. Adverse actions are illegal. It is unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. ECOA 1002.6 ( b ) -1 which is the equal credit opportunity act prohibits any creditor from using a prohibited basis in any system of evaluating the creditworthiness of applicants, except as permitted by the act and part 1002. What they are doing is unlawful and they must be fined at least at a minimum XXXX not to exceed XXXX for these unlawful acts they are committing. Thank you

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 2024-09-08 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
My 36 month lease of an Acura XXXX XXXX was set to expire on XX/XX/XXXX. 
I will point out I was a loyal and longtime customer of American Honda Finance Corp dba Acura Financial since XXXX and having leased XXXX Acura vehicles prior to the XXXX XXXX, I did missed a couple of lease payments since I got XXXX XXXX XXXX at the beginning of XXXX, and I also spent more than a month accompanying my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then on or about XX/XX/XXXX, I requested a lease extension over the phone with the Acura Lease Maturity Center, and my request was denied. I also requested the lease extension again in writing on or about XX/XX/XXXX, but I never received an official response. I will point out that Honda Finance/Acura Financial reported the lease term as 42 months to XXXXXXXX credit reporting agency XXXX and also around XX/XX/XXXX, the lease term is shown as 42 months on my Acura Financial Services online account. And on Saturday, XX/XX/XXXX, I attempted to sell the vehicle, Acura XXXX XXXX, to XXXX XXXX, but I was unable to complete the transaction since the Acura Lease Maturity office was closed. Regardless, I should have been allowed to sell the vehicle prior to returning the vehicle on XX/XX/XXXX, given that a Lease Extension occurred in some form as I have described and noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have recently become indigent due to XXXX XXXX XXXX where I have XXXX XXXXXXXX XXXX times and have been XXXX XXXX XXXX XXXX  I have made every contact to Citi Bank Credit Card only to be threatened via telephone after making them aware of the fact that I am experiencing homelessness in XXXX XXXX, California, as well as being affiliated with several homeless missions throughout the area. 

At 1 point in time I was making a great living working in California 's XXXX XXXX industry and without going into too much detail, we were paid in the form of donations with hardly any XXXX XXXX. I have also worked with what I was told were XXXX affiliates, however now I being told these XXXX  clusters were in fact not of XXXX relations. 

Fast forward to present day : After being placed on XXXX XXXX, losing ALL forms of gainful employment, having ALL bank accounts closed and being completely dependent on XXXX - life has hit rock bottom. I have XXXX recollection of filling out ANY paperwork to receive any line of credit from CITI and I refute ANY and ALL claims I believe were falsified against me. Furthermore, I'll reiterate, I am suffering from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( all of which I take or have taken XXXX  for ). 

These malicious intent having Citi Bank Credit Card Collections have caused me emotional duress. I was harassed and threatened over XXXX times including Sundays and before XXXX and after XXXX! I was threatened with incarceration.

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 2024-09-08 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and 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 non-monetary relief
Consumer complaint received 2024-09-08 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MD

Complaint narrative:
Company had a class action law suite against them a settlement Racketeering influence and corrupt organizations act I never received information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, Shellpoint Mortgage Services used my escrow to pay off my mortgage balance. They did this without informing me. I only discovered this when I opened my online account to discover my loan was " inactive. '' I have called : XX/XX/XXXX -had to request a final statement, which I received, but it makes little sense. However, the customer service representative, XXXX XXXX, told me I should be getting {$150.00} returned. 

I believe I called again in late XXXX, but can't find a record XX/XX/XXXX- was told I'd get my refund in 10 business days Thursday, XX/XX/XXXX - Representative XXXX XXXX said that her manager assured her my refund was coming, but Shellpoint had just required many new loans and was very busy. 

Friday, XX/XX/XXXX - The customer service representative said all the others were wrong and Shellpoint had essentially gifted me {$150.00} because there weren't sufficient funds in the escrow account. This seems unlikely. 

My release of mortgage is dated XX/XX/year>.

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 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received my monthly statement and noticed interest fees when Ive made my payment in full. I called in and looked back at prior statement to see that Id also been charged interest on previous months I paid my balance in full. When I spoke to the representative about this, I was told that Capital One reserves the right to charge interest based off previous monthly balances regardless of the status of payment. This didnt make sense to me so I asked them to clarify as from my understanding, if payment is made for the full balance interest should not be charged. The representative reiterated that they base interest on the average balance of previous month statements. I asked if I paid my balance in full and made no charges, would I still be charged interest regardless of no purchases being made. I reiterated again that it does not make sense that Capital One has the ability to charge interest of charges already paid. The representative reiterated that the interest is not charged on the actual charges themselves but prior average statement balances regardless of the payments that are made. They implied that Capital Ones policy is to look back over a two month period and charge interest based on the average of those statement balances regardless of any prior payments that are made.

Company response to consumer: Closed with monetary relief