vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
So I've been trying to figure out the extra fees double charges that's been going on with my checking and credit line with bank of america. 
I see a fine was presented for them to compensate their bank members. Due to double charges and extra fees that placed me in negatives ( unable to pay other bills ) really set 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 2023-07-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX reported 2 late payments over 60 days in XXXX to Experian. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened. 

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit. 

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
Affirm reported 2 late payments over 60 days in XXXX to XXXX. The company, due to financial hardship, agreed to forbearance and assured that they would not be considered late or affect credit. There was literally no payment due shown on the account page ; this extremely predatory behavior towards the consumer on their part. The company refuses to respond to several emails I have sent to request evidence that the payments were due ( I received no statements or notification that payments were due or late ). I attached the only responses I have ever received from them in writing, which states they " will look into and respond within 24 hours '', which never happened.

During a phone conversation, a representative of the company claims they had sent 10-20 text messages to my phone alerting me to the payment issue, however they were never received and the company can not provide evidence of ever alerting me of the issue ( the phone company verified this ). I do not appreciate their lies affecting my credit.

Please assist in correcting this, I have no other late payment records on my credit as this is not something I would ever let happen and it is now negatively affecting my ability to apply for things I need. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
on XX/XX/2023, i received letters from XXXX XXXX  XXXX announcing they have closed my personal credit card and 2 other business credit card due to the Transunion credit reporting saying unsatisfactory performance on my credit card! 
I called, no one could explain more than Transunion reported that to them ... no investigation if this was true or anything .. this is PURE violation of my rights! my credit score is at XXXX! never been late, missed a payment, over used my card more than 10 %! 

and Transunion marked the closed account as : canceled by credit grantor!! it is absolutely FALSE! 

They closed my account associated with my social security number without my permission nor providing reasonable proof! 
I demand they reinstate my credit card and give me damages for this! it is against the law to provide false information on my report and they caused my businesses a lot of issues as their false information terminated my accounts too. I am not letting this pass, i know my rights.

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 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
During my recent review of my consumer credit file as of XX/XX/2023, I noticed that Midwest Receivable Solutions ( account # XXXX ) are furnishing inaccurate information to the following credit agencies XXXX XXXX XXXX, XXXX. The reporting of the above accounts has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 12 CFR 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information : 1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. I DID NOT RECEIVE ANY NOTICE OR INITIAL COMMUNICATION FROM Midwest Receivable Solutions PRIOR TO THIS ALLEGED DEBT BEING PARKED ON MY CONSUMER CREDIT REPORTS. Midwest Receivable Solutions has violated my consumer rights under the above stated laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing this claim due to : My sister and I have moved into XXXX XXXX  XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit.

This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XX/XX/XXXX I use mobile deposit for the workers comp checks as Ive done for past 5 months. This one was returned and without my knowledge Citibank closed my account and deemed it fraudulent. The amount was XXXX the same amount that has been going In every other time. I have money in my savings account and how am I to know the sender of check out a stop payment on it. Nevertheless my bank never informed me that there was an issue as well as never contacted me. I went to use my debit card and it didnt work. Tried to access my mobile app and it was closed down for access. I proceeded to the bank branch where they informed me to call fraud prevention. Thats when I learned of the incident. Ive had loans with this bank in the amount of XXXX dollars paid back in full. I was much later sent a new bank card and other correspondence now stating there is an investigation. How is this a practice? Why not give the customer the opportunity to correct a mistake obviously made by the sender of the check. Now they are calling asking when can I make up the XXXX balance left from the returned check. Im really concerned about this going on my credit report as well as my name linked to fraudulent activity with a banking institution. Please help

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 2023-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I purchased a XXXX  XXXX XXXX In XX/XX/2021 at XXXX XXXX on XXXX XXXX Florida. Based on the auto insurance declaration page, loan was secured by XXXX XXXX XXXX MD, however I was issued repayment information from Santander Consumer USA. I reviewed the loan agreement and this vehicle ( collateral ) was used to secure the loan instrument. I want a written response as to why the loan payments were requested to go to Santander Consumer USA but the lien holder is listed as XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2023-07-12 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: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had opened a Chase small business account on XXXX A XXXX XXXX XXXX XXXX check of {$19000.00} was deposited in my account on XXXX. The amount was deducted from XXXX account of the maker of the check and a credit was shown in my account. 

Chase removed the deposit from my business account on XXXX and closed the account without giving me any reason. 

Chase have not returned the {$19000.00} that was deposited in my account to me, nor have returned the money to the XXXX bank. 

I have made multiple visits ( more than 5 times ) to Chase branch and called them on phone several ( more than 30 times ) times. Throughout the month of XXXX Chase representatives have repeatedly assured me on the phone that I shall be getting the {$19000.00} check in mail in the coming two or three business days but nothing was sent to me. 

On XXXX Chase representative told me on the phone that Chase has never received any money from XXXX and that they can not give me anything. Chase is also not willing to give me anything in writing or share any details as to what happened to the funds that were deposited in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Problem with application process. Offered pre qualified. I applied ( XXXX ) XXXX and received an approval notice On XX/XX/XXXX. I spoke to someone in the Bank of America on XX/XX/XXXX. They confirmed my application was approved and that the card was being sent. Later that evening I checked to see if the deposit Req was loaded and received a notice that now my application was denied. Called and minimal to no indication disclosed. This had an overwhelming impact on my credit score. I am terribly concerned with the handling of my information.

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filled a complaint less than 60 days ago and Experian is still violating my rights... saying im in debt for {$19000.00} for chidl support and saying i owe {$320.00} for XXXX, i complained about these illegal inquires before, i have the right to privacy, Here are my rights below their violating... 

15 u.s.c 1681 section 602 XXXX XXXX XXXX XXXX text15 U.S. Code 1681 - Congressional findings and statement of purpose states I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : XXXXXXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

it also states a consumer reporting agency can not furnish a account with out my written instructions. 



15 u.s.c 1681c. ( a ) ( 5 ) section XXXX XXXX XXXX text15 U.S. Code 1681c - Requirements relating to information contained in... 

states : no consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than 7 years 15 u. s.c 1681s-2 ( A ) ( 1 ) XXXX XXXX XXXX text15 U.S. Code 1681s2 - Responsibilities of furnishers of... 

A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: OH

Complaint narrative:
During my loan from XXXX to XXXX my payments were not taken off the final balance amount. There are two very large fees that they added to my bill that they would not tell me what they were for. At the end of my time having the vehicle the vehicle caught fire with me driving it. It was not deemed totaled but it was too expensive for me to fix and it did not run at the time. I tried to turn the vehicle over to them and they made me wait months for them to pick it up to be auctioned. They sent the price of what it would sell for at auction before it was even picked up from my property. The amount was for {$4700.00}. However when I looked up the VIN number on that vehicle it actually sold for {$9900.00}. The total of the vehicle was {$11000.00} with interest the total became {$13000.00}. I paid a total of {$4900.00}. The fees that they would not disclose to me total {$1300.00}. My calculation is that I only owed the finance company of Westlake Financial {$8600.00} not including the fees that they would not disclose to me the purpose of and with the true amount of the auction price I should not owe them anything or at the very least much less than the {$9200.00} that they have been reporting to my credit this whole time. I have already reached out to the Ohio Attorneys General Office about this issue. The OAGO has deemed this particular finance comany as " predatory ''. I have every document they have given to me along with the screen shots about what I found out by looking up the VIN number. The OAGO has reached out to them to try to settle on what I provided and they have refused. I have contacted them about this as well and was sreamed at by the person that was on the line and talked over the whole time.

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

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 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Yes I tried to check my account and it was closed so I called them and asked them why my account was closed and they told me it's because of a negative balance and how can that be and I have money in my account they gave me no explanation so they said go to review @ chime. com give them my name and the last 4 digits of my social and I did it then I get a email saying send a picture front and back of my ID and hold it up and write on a piece of paper my name address email date of birth last 4 of my social I did it they said it will take 24 hours for them to resolve the problem and that was yesterday it's been 24 hours

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports

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 2023-07-12 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: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit 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
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports

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 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
They are allowing illegal reporting of debt that is more than XXXX XXXX XXXX, and allowing dates to be changed to not be removed from report. Also allowing identity theft accounts be reported on credit report. They are allowing and excepting illegal activities to credit reports

Company response to consumer: Closed with explanation