vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I have a truck loan through credit acceptance. I got my loan XXXX of XXXX  I pay {$850.00} a month. I have currently paid over {$11000.00} in the past 14 months. My initial loan was {$33000.00} with putting {$5000.00} cash and my trade in for {$1000.00}. My total now is {$30000.00} after paying the monthly payment for over 14 months. When I look at my transaction history I have variable interest charges. For example one month was {$900.00} another month was {$120.00}. My contract says 22 % on the truck loan. Another example is I made a monthly payment of {$850.00} at the time my total was {$30000.00} after I made the payment my new total was {$30000.00}. I have asked for a copy of my contract and have not been contacted yet. I have documents showing these variable charges. Also, I believe the company that sold me the truck had incentives from this company. They were aware of my credit score and had a certain amount of trucks for me to pick from they let me test drive the truck I bought but then told me it was a mistake after I told them I wanted it. They wanted more money than was initially discussed. I feel like I was dooped into buying a truck they knew I would never be able to pay off as long as they got their incentive.

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 2023-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened a truist bank account on XXXX. I made several deposits and withdrawals via transfers. Truist had ran a promotional that included the state of Indiana. One day, Truist shut down all my online banking and left a XXXX number on the login screen. Upon calling the number, they insisted I had to come into a branch in person to " verify my identity ''. There is only one branch in the state and it is over 180 miles away from my address. I contacted Truist and told them I would do whatever they wanted to verify my identity remotely, but they insisted it had to be done in person, and I was unable to make it. 

Truist shut down my account when I did not come in person. They sent a letter on XXXX stating the account would be shut down and the funds would be mailed to the address on file within 10 business days. Truist never mailed the funds. They blocked all access to my online banking and blocked my brokerage from withdrawing the funds back. There is about XXXXXXXX XXXX left in the checking account. 

I called truist several times. Depending on who I talked to they stated they would not release the funds unless I came in in person ( even though the account is closed out ), while others stated the funds would be mailed within two weeks. This has gone on for months. I did not know that there was only one branch in the state when I signed up and that it would be over 180 miles away.

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to log into XXXX XXXX to see all three fico scores and they told me TRANSUNION HAS INCORRECT ADDRESS INFO. I try to log into Transunion giving my current address and Transunion says I can not log in due to incorrect address. Transunion has my correct address. Both Transunion and many other online credit services are telling me there is an address problem. So I created a new account with Transunion was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is E NOT G

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 2023-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
They DID NOT RESPOND TO MY LAST COMPLAINT OF XXXX 

I can spend over two hour in the morning just trying to get competency. They simply DO NOT CARE. 

Often, people at their physical banks are rude and will not help even though I have to bring my computer there. 

The phone is the worst unless I am lucky to get someone with actual knowledge. 

I have many automatic deposits and have been a customer for a very long time. 

I am quite disheartened at the treatment towards older seniors. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Experian in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Experian has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Experian may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Experian has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-09-24 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I opened the dispute XX/XX/XXXX for the second time for the below amount. 
Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1600.00} Temporary credit : {$1600.00} I provided several emails with proof of why the amount needs to be returned to me. 
I provided my proof on several dates- I emailed the company on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I called several times and texted the credit cards help desk. 
XX/XX/XXXX - I was unable to reach anyone in the dispute department. 
XX/XX/XXXX XX/XX/XXXX I also disputed the amount below for the same reasons above. The credit card company has not resolved this in a timely manner. They applied the disputed interest and credit to my balance until the issue is resolved but I am unable to use the applied credit. Its discrimination. 

Disputed Transaction Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX XXXX XXXX XXXX : {$1400.00} Temporary credit : {$1400.00} Apple support at Goldman Sachs has XXXX to resolve either dispute in a timely manner. I provided several emails of proof tans evidence to support my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing this formal complaint against Transunion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that Transunion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Transunion may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, Transunion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements.

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 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: VT

Complaint narrative:
XXXX XXXX XXXX My Coinbase account was suspended in XX/XX/. I filed my first inquiry on the suspension on XXXX XXXX XXXX  followed up by another inquiry on XX/XX/. Although the Coinbase response said I would hear back in six days, I heard nothing until my call to Coinbase yesterday ( XXXX ). 
In that call I was told my account was terminated and the decision was final. An extremely troubling result. 
Some background : My account had been suspended previously before this suspension and then restored after review on XXXX XXXX XXXX 
After that I had been using the account with no trouble for nearly three months, including a break of six days since the last successful transfer. Everything went off without a hitch before that and then I returned to my account to find it restricted again. So far as I can tell nothing unusual occurred after the last transfer and in the six days of inactivity after it. 
It is extremely offensive to loyal customers like me to be told my account was terminated after review with no explanation of why just some vague allusions to security. 
I am asking for a further escalation and review of my account with the request that it be reactivated if possible. So far as I can tell, I did nothing wrong during the three months of smooth transactions and transfers from my Coinbase account before it was restricted and placed under review. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- P. S. Here is an excerpt from Coinbase 's Terms of Service agreement. As you can see it is totally one-sided if not unconscionable. 

" Termination We may terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. You may cancel your Account at any time by following the account closure instructions in the App. Upon any termination, discontinuation or cancellation of Services or your Account, ( i ) all rights and/or licenses granted to you under these Terms shall immediately cease and terminate and you shall forthwith cease the use and/or access of the App, Site, Services and Content in any way whatsoever ; and ( ii ) notwithstanding the foregoing, the following provisions will survive : Feedback, Content and Content Rights, Content Ownership, Responsibility and Removal ( save for the subsection Rights in Content Granted by XXXX XXXX ), Termination , Warranty Disclaimers, Indemnity, Limitation of Liability, Dispute Resolution, Arbitration Agreement, Class Action Waiver, and Jury Trial Waiver, and General Terms. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had a bank of America cc, which never had a late payment and had just been paid off on XX/XX/. The following day, the card was closed without notice and without consent. Today, XX/XX/, a statement was generated stating I owe money ( which I do not ) and that the " available spending limit '' ( meaning, as per my statement, the account is active ). I have called several times and Bank of America refuses to correct the " amount owed '' ( I do not own anything ), and they have been dishonest stating they " sent me a notice '' ( all notices are online, that's how I see my statement, and there are no other notices ). Didn't they just get into trouble for this? If the fines they have been ordered to pay do not teach them to handle business legally, why are they still in business at all?

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 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to log into XXXXXXXX XXXX  to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to log into XXXX XXXX to see all three fico scores and they told me XXXX HAS INCORRECT ADDRESS INFO. I try to log into XXXX giving my current address and XXXX says I can not log in due to incorrect address. XXXX has my correct address. Both XXXX and many other online credit services are telling me there is an address problem. So I created a new account with XXXX was able to get in but the screen to dispute is frozen. I have been trying for 3 days. Also my credit reports have two different middle initials for me and the correct initial is XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed. Perpetrator made deposits in my Wells Fargo account and nu, erous withdrawals were made in the amounts of XXXX or greater. Wells Fargo bank was notified. Accounts were closed and passwords were changed.

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 2023-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I contacted this company R.S Associates via regular mail back in XXXX regarding a debt I dont owe for an XXXX XXXX  account that I was still making payments to them directly. I have yet to receive anything further from R.S when I asked them to verify the debt as I was still paying the original creditor. This should have never been reported to the credit bureau as the company was cashing all the money orders being sent monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: AZ

Complaint narrative:
Hi, I recently got into a XXXX XXXX XXXX which has a lot of issues with performance. I looked at XXXX XXXX XXXX and saw my vehicle is only valued at roughly {$600.00}, my total car loan for my vehicle is {$10000.00}. I have a APR of 23.90 %, with a fiance charge of {$2100.00}, the vehicle is breaking down at an alarming rate which exceeds what I can pay for maintenance. I've contacted the dealership explaining the issues the car was having and asked if they offered a loaner vehicle while I tried to get the vehicle fixed under my warranty with them. I was then informed by them, that they dont offer any loaner vehicles, which I would need to be able to commute to work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
On XXXX I sent Portfolio Recovery Associates a certified letter requesting debt validation on an alleged debt they added to my credit reports without sending me a dunning letter. They ignored my request and continue to report this alleged debt to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I hold an XXXX XXXX credit card exclusively designated for the acquisition of XXXX XXXX flights. I have received a recent correspondence from the issuing company, notifying me of their decision to discontinue the acceptance of this credit card for flight purchases. In essence, the company has opted to cease the issuance and utilization of this credit card. 

Given this development, I kindly request a complete balance waiver for the outstanding amount on my account, along with the closure of my account, ensuring a XXXX balance. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XXXX XXXX  I received a call for a past due payment to which at that time I paid My account balance in full. The representative agreed to waive and late fees. Well turns out the payment applied but the late fee was not waived for the current month so when the next billing cycle came around I should Have had a XXXX balance but instead I had A balance for a late fee that I was Not aware of since I had Paid the account in full. Fast forward I was Then charged the next month a late fee on a late fee. This is absurd and unethical. I received a call from the company where the associate was very rude and refused to let me speak to a manager and also refused to let me file a complaint. I do Not understand how I can Be charged when I was Advised fees can be waived and have purposely not used my store credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-24 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: TX

Complaint narrative:
I purchased a copy of my credit report last year in XXXX of XXXX  where i noticed some fraudelent accounts that I did not apply for .. i have attempted to reach out to XXXX, XXXX, and XXXX with mutiple dispute letters and each time they have failed to properly investigate and have not provided me with any of the proof i have requested and continue to report these accounts as verified with out properly investigating I have also filed a police report

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