vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. 
However the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). 
Although it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. 
Please see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint to CFPB on XXXX and Equifax has not responded to my complaint. 
My complaint number on CFPB is XXXX in regards to Equifax reporting a fraudulent address on my credit report. I have sent over my drivers license with my address on it and they still refuse to change or correct my address. They still continue to report the fraudulent address of XXXX XXXX XXXX I do not live at that address and I have never ever lived at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I enrolled in my credit card company 's auto-pay program to avoid having to worry about forgetting to make a payment. The options were " minimum payment due '', " statement balance '', and " fixed amount ''. They provided a list of definitions of the options and wrote that the minimum balance due was the amount due such that payment would not be considered late. Nowhere in the definition did they explain that although your payment would not be considered late with this option you would begin to accrue interest on the remaining balance of the card. I believe this to be an important piece of information that the company left out and a way to charge hidden fees to customers at extremely high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF OFF XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I've already contacted the dealership and bank months back of the return of the vehicle to XXXX XXXX. It has been returned. Bank said they will have it repo. I vulonarly surrendered it. They accepted it and said it would be auctioned off. I told them I don't have a job to support the monthly payment so I surrender the vehicle already.

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 2023-12-29 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: MS

Complaint narrative:
Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by Experian that my credit was pulled by several other companies as well. The companies that pulled for information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.

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 2023-12-29 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: National Credit Adjusters, LLC
State: MI

Complaint narrative:
Subject : Notice of Default and Opportunity to Cure REF : Dear NCA, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. **1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Dear Credence Resource Management, I am writing to notify you that your actions in connection with the alleged debt have led to a default on your part. This letter serves as a Notice of Default and provides you with an opportunity to cure the identified breaches in accordance with applicable laws. 


**1. Default in Arbitration Agreement ( Federal Arbitration Act ) : ** - **Remedy : ** Cease all collection efforts immediately and proceed to arbitration. - **Legal Reference : ** Federal Arbitration Act ( 9 U.S.C . 1 et seq. ) **2. Violation of Privacy Laws and Unauthorized Reporting ( 15 USC 6801-6808, 15 USC 6802 ) : ** - **Remedy : ** Cease any unauthorized reporting and rectify the violation of privacy laws. - **Legal Reference : ** 15 USC 6801-6808, 15 USC 6802 **3 . Fair Credit Reporting Act ( FCRA ) Violation ( 15 USC 1681 ) : ** - **Remedy : ** Ensure accurate reporting and validate the debt appropriately. - **Legal Reference : ** 15 USC 1681 **4. Forgery Allegations ( Fair Debt Collections Act - 15 USC 1692e ) : ** - **Remedy : ** Provide the original expressed written consent to be a debtor/consumer or cease collection efforts. - **Legal Reference : ** 15 USC 1692e **5. Responsibilities of Furnishers Violation ( 15 U.S. Code 1681s2 ) : ** - **Remedy : ** Comply with responsibilities as furnishers of information. - **Legal Reference : ** 15 U.S. Code 1681s2 Failure to cure these defaults 21 days from the date of this letter will leave me with no option but to pursue legal action to enforce my rights and seek remedies under the applicable laws. I will seek damages, injunctive relief, and any other remedies available under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: MS

Complaint narrative:
Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.

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 2023-12-29 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: MS

Complaint narrative:
Someone has applied for credit in my name without my consent and my permission. My idenity has been stolen and missused without my knowledge until today when I was notified by XXXX that my credit was pulled by several other companies as well. The companies that pulled for information are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am asking that the fraudlent inquires be removed as I dont recognize them and havent given any consent for anyone to pull my information. Please help me im so lost.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
Social security number is XXXX on XX/XX/2023 experian did removed the fraud account ending in XXXX I have a federal trade commission identity theft report on file but it ended up appearing on my experian credit report as XXXX duplicate accounts ending in XXXX please have experian remove the fraud accounts their showing 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 2023-12-29 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXXXXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission

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 2023-12-29 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:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/ I was contacted by the Wells Fargo fraud phone number and someone either posed as an employee of Wells Fargo or was an actual Wells Fargo employee. They knew of the fraud activity that had been occurring on my account since XXXX XXXX  and gave me names of two people in XXXX GA that were attempting to access XXXX from my business account. They asked if I knew them and I responded no. I was then told that they were the same people who had been doing fraudulent transactions on my account and that they knew where they were and that they would be able to get them arrested. I was told that a special fraud agent was now in charge of my fraudulent activity and would be able to have them arrested. I was instructed that I had to repeat in the same increments the amounts that they were trying to access. I unfortunately believed this because of all of the fraudulent activity on my account and all the times I had recently spoken to this department. I did as I was instructed and I have never made a wire transfer ever so this should have appeared suspicious to Wells Fargo and I should have received a suspicious activity alert which I didnt. I reported all of this on XX/XX/. The XXXX transfers were credited back the next day after receiving Wells Fargos response they had listed that the wire transfer case was started on XX/XX/2023 this is inaccurate. It makes no sense that I would open a fraud case on the XXXX transfers on XX/XX/2023 and not also opened the wire transfer case on the same day. This was all from the same fraudulent activity and I opened all three cases on XX/XX/2023. I have requested all information including employee notes that was used to investigate the wire transfer because this appears as negligence on Wells Fargos part or employee negligence that all three were not opened the date I reported them on XX/XX/2023. I Requested information used to investigate my case and was denied. I am requesting the information again due to the date being wrong on my case and the obvious mishandling of the case which had it been handled when the case was opened on XX/XX/2023 when I was given a case number the fraudulent wire transfer could have been stopped as it was not scheduled to go out until XX/XX/2023. Instead they are claiming it was opened on XX/XX/2023 which is false. I am not even being provided with the receiving financial institution which prohibits my ability to have the scammer who presented themselves as a Wells Fargo employee from being criminally charged.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have paid off my capital one charge off balance it is currently {$0.00}. I have not received a 1099-C form showing that the balance is now {$0.00}. This account is reporting inaccurately as a charge off with a balance and it is completely paid off. I would like for this information to removed from credit report now that there is no longer a balance. Ive tried to had this account removed with letting capital one know about the identity theft and ive attached my police report as well. Im trying to fix my credit report after being a victim of identity theft. May this information please stop being reported to the credit bureaus.

Company response to consumer: Closed with explanation