vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I set up automatic payments to pay off " statement balances '' on my Bank XXXX XXXXXXXX credit card at the end of every billing period. Despite having an automatic payment set up, on XX/XX/2022, I made an early payment to this bank in the amount of {$5000.00} towards my total credit balance of {$5100.00}. This will turn out to be the worst decision I have ever made. The payment went through, but their billing system refused to take the payment into account and adjust my account balance to reflect the early payment. Then on XX/XX/2022, nearly three weeks after ( in the same billing period ), they charged my bank account again for {$4200.00} ( for a credit balance I did not owe or know how their system determined ), leaving my bank account with a low balance. I called them several times to let them know that they charged my bank account when I did not owe them money. They told me that they were right to overcharge me because I have an automatic payment set up in the account. In other words, I shouldn't have set up an automatic payment. They also made it very clear that their billing system is not designed or meant to detect and adjust statement balances in my account despite the fact that it is the same reason I literally set up an automatic payment for the credit account. Finally, they told me I was supposed to go into my account to manually edit the payment to avoid overcharging my account. Again, this is the only point why people set up automatic payments for billing ; to avoid having to manually make payments to banks. 

I was forced to go to my bank physically to stop the payment, and today my bank charged me a " stop payment '' fee of {$30.00}. So I called them again this morning to request a {$30.00} check from them to cover the fee that my bank charged me because they billed my bank account wrongly. Again they maintained that their system was perfect for overcharging me and making me pay a bank fee of {$30.00} and spend two days ' worth of my time resolving the issue. I am only asking them to send me a check for {$30.00} to pay for the bank fee that their flawed system had caused. I am not asking them to pay me for the time I have spent for the past two days trying to resolve this or the emotional and mental trauma they have put me through. I would not advise anybody reading this to open a credit card line with this bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent a request via certified mail for Chase to send me all electronic and paper corespondence that was sent to me from XXXX XXXX - XXXX, XXXX in order to determine if and when they informed me of a charge off date for account ending in XXXX. They received the letter on XX/XX/XXXX, and as of this writing have still not sent the requested documents to my email or mailing address. Please see attached documents as proof of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage continues to have inefficient processes for determining the upcoming escrow dues to payable parties such as the tax collector. I received a notice of tax dues from my property appraiser 's office with XXXX potential sums, none of which add up to the total sent by Rocket Mortgage to my tax collector 's office ( they sent {$2300.00} on XX/XX/22 ). The highest amount owed to the tax collector would have been {$2100.00} ( see attachment ) -- a net difference of - {$190.00}. 

This is not the first time in which I have had to lodge a complaint against Rocket Mortgage and their inadequate escrow calculation processes. When a servicer fails to properly manage an escrow account, it creates an undue burden on the consumer. Not only do I need to take time and effort to remedy this, but an upcoming escrow analysis will clearly put me into the negatives, thereby grossly increasing my escrow payments due to the servicer each month. I believe this is an unfair practice that the client can not reasonably avoid and am citing XXXX as precedent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Financial Inc Consumer Complaint Division XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : XXXX XXXX Email : XXXX Re : account number XXXX OnXXXX XXXX, Idisputed a charge in the amount of {$160.00} for a service I didn't use when I didn't hear from the merchant XXXX XXXX to cancel the registration. Chime has issued a temporary refund. The merchant then contacted me asking me to reverse the dispute so that they could reimburse me directly in order to avoid {$35.00} charge. 
I agreed to work with the merchant. I then called Chime to reverse the dispute and the agent reassured me that it would be no problem to reopen the case if the merchant did not issue the refund. 
When i called the merchant to process the refund, they said they couldn't locate any charges to issue a refund but they provided me with proof that the order was canceled. 
As a result of that, I submitted a rebuttal to reinstate my account with that amount since the merchant had trouble on their hands issuing the refund. Chime denied my rebuttal even though I have provided email proof from my conversation with the merchant confirming the order was canceled. 

I am disappointed becausethe order is canceled and i need my money. I only agreed to work with the merchant because the agent reassured it would not be a problem to reopen the dispute and get my {$160.00} back on my account. Otherwise I would not have done it. 

To resolve the problem, I would appreciate if Chime could the {$160.00} back on my account since the service is cancelled. Enclosed are my conversation with the merchant confirming the canceled service along with the fact they had trouble issuing a refund since they're not seeing the new charges. 

I look forward to your reply and a resolution to my problembefore seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or via the email listed above Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
U.S Bank refused to provide me credits for fraudulent charges on my account from XXXX XXXX. They said that they could not help me because I did not report the fraud within 60 days of when it happened, but that is a lie because there were also fraudulent charges on my account from XXXX that occurred more than 60 days ago that I did get reimbursed for. The dates of the fraudulent charges from XXXX were as follows : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Plus, they said that provisional credits of {$13000.00} should have been put into my account regardless within 10 days from XX/XX/XXXX, and they did not. They have lied to me and failed to protect me against fraud. The charges from XXXX were just as much fraudulent as the charges from XXXX and it does not make any sense as to why they gave that money back but not the money from XXXX. They are breaking the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc.
State: DE

Complaint narrative:
We emailed and spoke to Tesla finance and they did not resolve our issue. They do not have our loan balance on our monthly statements. You have to call each time you want to know what your account balance is. When you call they have you leave a voice mail and will return your call later. They will also not allow us to pay extra each month on our monthly loan payment. You can only pay the monthly contractual payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After receiving letters from the Department of Education on my permanent XXXX discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my XXXX XXXX but their systems would no allow me to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have already filed this compliance which they said they would investigate and they have not. XXXX Synchrony Bank has done massive damage to my credit report by closing multiple accounts with no late payments affecting my credit ratios by XXXX XXXX XXXX XXXXhe last one was my Lowes Card which specifically stated it was closed with a balance because of XXXX past due mortgage payments which has since been corrected on my credit report. I asked them to reopen the account or at least open a new open with the same limit or difference between the limit and what was owed on the other. A representative reached out to me and that is all she did she stated she would look into this and figure it out and then I was ghosted. They have since denined any application from me. I will seek legal action If they refuse to fix this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Re : Selene Finance For over a year on numerous occasions we have requested our payment History and documents from Selene Finance. All promises have been broken and hours on hold to speak with a rep. NO REPLY or help of any kind!! 

Sent in a payment of {$30000.00} on XX/XX/2022, for principal only and do not see this as being applied. 

When I go on our online account you are unable to request this information also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
TILA VIOLATIONS. FRAUD. XXXX XXXX. PLEASE SEE ATTACHED NOTICE REGARDING MULTIPLE VIOLATIONS BY XXXX, NISSAN MOTOR ACCEPTANCE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
SEE ATTACHED. 

company is refusing to dispute or even investigate reports and using stalling tactics to avoid following the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After receiving letters from the Department of Education on my permanent disability discharge for Student Loans in XXXX I tried notifying credit bureaus so that it could reflect on my Credit Reports but their systems would no allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Medical Business Bureau
State: FL

Complaint narrative:
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/2022 I closed my BofA account, paid my outstanding credit card bills in full and consequently called ( this is the only option BofA provides for cancelling/closing credit cards!! ) to cancel/close my credit cards ( mine and my wife 's ). 
After this date I received added charges on these cards for which the bank wants me to pay. I do not accept these charges as they happened after cancelling/closing the account. 
- I contacted the bank by telephone to no avail. There was " nothing '' the operator could do other than suggest I pay the bills - I have sent XXXX!! registered letters to the BofA address as advertised on their website and both returned with the message " return to sender not deliverable as addressed unable to forward '' - There are no other options to contact the BofA about this issue. BofA refuses to respond in writing or any other recorded conversation. 
- I currently do no longer live in the XXXX and can not visit an agency There is a gross disrespect for the customer and an intended neglect of the issue by the BofA. The BofA tries to force the customer to pay by making proper written communications impossible to resolve the issue. A court action is an option no easily available to most and to costly against a giant like BofA. I would hope that the CFPB can address this with the BofA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am XXXX XXXX and my wife is XXXX XXXX XXXX XXXX XXXX. We got a loan from Santander Bank in XX/XX/XXXX to buy a new car XXXX XXXX and the interest rate is XXXX XXXX. We asked to decreased the interest rate the last month ( XX/XX/XXXX ) because we permanently have received offers from another banks the offer to us interests rate that are between XXXX and XXXX XXXX annual. Santander Bank never answered our claim and we are paying a high interest rate ( XXXX XXXX ), and we would like to get the interest rate offers other banks. For us do not have sense to pay higher interest rates knowing that the interest rates are below average of Santander Bank. Please do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NY

Complaint narrative:
So I was renting an apartment from XXXX XXXX XXXX but seen that I couldnt afford it anymore. I move out XX/XX/XXXX XXXX the least it said I would get a free month rent so I didnt pay for XXXX and then when I move out I was contacted by the collections company saying I owe two months rent. and now its on my credit report hurting it bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is to follow up with my request to send me debt validation, you mentioned on your response that you were sending me documents but I don't see anything like a validation letter. Please send it to me by responding to this message so the CFPB would also know of your response.

Company response to consumer: Closed with explanation