vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After discovering several unauthorized debits from my checking account by XXXX, filed a dispute with Bank of America on XX/XX/XXXX. Bank of America credited back only ONE of the unauthorized charges, despite providing the supporting documentation proving no charge ( s ) were valid, past or present at the time, with my filed dispute. On XX/XX/XXXX Bank of America sent an email confirming a stop had been placed on all future payments. However, the unauthorized debits continue to date, with the bank clearing each month 's fraudulent debit. As of today, not including the amounts still owed from XX/XX/XXXX, Bank of America has cleared {$250.00} in unauthorized debits to a company they claim any future debit ( s ) to had been stopped. What's worse are the numerous instances in which my account becomes overdrawn, a direct result of the fraudulent debit ( s ). The overdrawn balance then results in numerous fees incurred PER each transaction posting thereafter, by both the bank & the merchant and this has taken place more than once. 

My income doesn't sufficiently cover my living expenses as it is but the bank 's incompetence has literally left me unable to even buy gas to allow for my daily commute to my place of employment.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: UT

Complaint narrative:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX  end of XXXX XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: TN

Complaint narrative:
I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. 

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. 

In accordance with the Fair Credit Reporting Act your agency has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent or instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
They've gone through a update on their website so payment sites were down... They say you can pay over the phone but when you call it says call back later... They're easy pay site. Just keep saying loading loading loading or it says error can't find your information... I'm just very frustrated with this whole situation because I have five accounts that are probably going to have late fees ... One account already has a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: UT

Complaint narrative:
This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by Planet Home Lending. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Wrong limit and balance reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit card or prepaid 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: Social Finance, Inc.
State: WA

Complaint narrative:
Im writing this complaint since I have no other way to solve problem with SOFI. The problem is following:

OnXX/XX/XXXX, I made a transaction with XXXX XXXX XXXX for $XXXX (Transaction ID: XXXX). However, I never received the order. I tried to contact XXXX XXXX XXXX but can not solve the problem. I made a dispute with SOFI. Since its a credit card, I should not be liable for this type of charge. However, SOFI never get back to me. The dispute claim number is XXXX. The representative who handle it is XXXX  ext XXXX. 2 weeks after initiate the dispute and dont see any confirmation from SOFI, I called back in to customer service and they advised that the dispute is closed because they need more information from me. To be specific, they want to know how much for each pallet of flooring that I ordered. But in reality, I never receive a call, email or mail. They denied, and closed my claim without my acknowledgement and proper reason. I told the customer service agent that I can give them that info so they can keep disputing it for me. The agent gave me XXXX  contact and also ask XXXX  to get back to me. When I call XXXX, even during business hour, it always goes to voicemail. I left her 2 voicemails (10 days apart). She never answered to those voicemails. I tried to call back in and tried to leave more voicemails but the voicemails box of SOFI Dispute department is full so I cant do anything. I tried to call back to customer service and have been talking to many different operators. They all gave me the same information that they will contact the Dispute team and escalate it on my behalf and I should hear back with in 48 hours. It has been months and I dont hear anything back. The operators ID are: XXXX, XXXX, and XXXX. In the meanwhile, Im charged for interest on the purchase, and my credit score is going down because of the higher credit utilization. 

On XX/XX/XXXX, I filed a complaint with the XXXX (XXXX XXXX XXXX), and quickly after that, SOFI responded to me. They promised to work on the claim. 

On XX/XX/XXXX, they sent me a letter in the mail saying that the dispute is resolved in my favor and the credit is now permanent.

On XX/XX/XXXX, There is a charge from XXXX XXXX XXXX on my account (Transaction ID: XXXX) for $XXXX (exactly the same as the charge before).

Since that time, I tried to contact SOFI many time by email, and phone call, but there is no luck, they are not reachable.

Please help me solving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Wrong limit and balance reported to credit bureaus.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Wrong limit and balance reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Wrong limit and balance reported to credit bureaus.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX reporting inquiries. 

List inquiries XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXXXXXX Experian has violated my rights 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I sent a letter to Equifax information Services on XX/XX/2022 which is attached via Certified Mail # XXXX XXXX XXXX XXXX XXXX. To have a account that should not be reported on my Consumer Report removed. It is my responsibility to make sure every item is reporting accurately, so my Consumer Report is fair and equitable to me. I previously have been trying to get Equifax information Services to validate and verify all accounts listed on my Consumer Report, but after further review of my Consumer Report a XXXX XXXX XXXX account is being reported that have a Payment status of " Charge-off ''. According to a IRS Publication on the IRS website, the IRS defines a " Charge-off '' as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. 

Also I NEVER gave Equifax information Services any written consent to report the XXXX XXXX XXXX  account on my consumer report. NO CONSENT IS IDENTITY THEFT pursuant to 15 USC 1681b ( 2 ) Equifax information Services allowing inaccuracies to be reported on my Consumer Report has caused me to lose faith in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as well. If you would like to continue doing business with me I am demanding you do what I say. 

I demand that these account be removed. Immediately. Accounts listed are in attached document. This account being reported is cause me harm and is XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
My business account was closed by Bank of America. I got a refund from a purchase I made with XXXX that was sent to my closed account. I contacted Bank of America to inform them that XXXX stated the refund they provided was sent successfully to my closed account. I contacted Bank of America and was told that there was no refund present and that since my account was closed that there was no way for XXXX to issue a refund to a closed account. Bank Of America assured me that they had not received the funds that were sent to them on XX/XX/2022. Well, Bank Of America had XXXX XXXX from their executive office work with me as he got on several phone calls that were placed to XXXX to assure them that the funds they refunded to my account were not received by Bank Of America. I was provided a merchant transaction account from XXXX indicating that Bank Of America had indeed received my money. I provided this information to Bank Of America and they once again denied receiving the funds. After 6 weeks of calling both Bank Of America and XXXX I get a call from Bank Of America on XX/XX/XXXX stating that they indeed did have my refund. XXXX the rep from Bank Of America stated they had indeed issued me a refund on XX/XX/XXXX. I informed her that I had not received any refund and that it was now XX/XX/XXXX. She stated she would investigate the issue and call me back on XX/XX/XXXX. I informed her that this has cost me significantly more than the {$290.00} refund that Bank Of America had taken. She stated she would contact me on XX/XX/XXXX to let me know the results of the investigation. She never called nor has the money Bank of America has taken from me been returned.

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 2022-07-01 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander Consumer USA was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. 

According to the release, Santander allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). 

Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. 

Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, Santander reportedly sent incorrect information on millions of accounts to the CRAs. 

Aside from the {$4.00} XXXX civil penalty, the ruling requires that Santander must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. 

The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to Santander. The agency said the lender knew something was wrong as early as XX/XX/XXXX. 

The order indicated that Santander must submit a detailed compliance plan to the CFPB within 45 days. 

The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX XXXX research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and XXXX percent said they prefer it that way. 

British banks including Santander, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-07-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OR

Complaint narrative:
On XX/XX/XXXX I took out a {$3000.00} loan with Balance Credit. I was aware that the interest was high, but did not fully understand how high it was. I later learned that the APR was 213.9994 %! I made 5 monthly payments of {$560.00} on time for a total of {$2800.00}. On XX/XX/XXXX I wanted to see about paying this loan off and was informed my balance was {$3800.00}! That is more than the original loan amount after nearly paying {$3000.00} in payments thus far. I was unaware the none of my payments had went to the principal. I believe this loan is predatory and the way it is set up makes me unable to pay it off in a reasonable way in which I am not owing thousands upon thousands of dollars on a rather low loan amount. Loans and APR 's like this should be illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: GA

Complaint narrative:
incorrect information on my credit report # XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX # XXXX XXXX  XXXX Bankruptcy on XXXX XX/XX/XXXX # XXXX XXXX  XXXX Bankruptcy XXXX XX/XX/XXXX # XXXX inquiry XXXX XXXX XXXX Bank XX/XX/XXXX # XXXX XXXX  XXXX Bank 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 2022-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX  by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX  did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies. 
I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2022-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

Company response to consumer: Closed with explanation