vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
The attached documents describe best my dispute with Bank of America. In summary, I was the victim of fraud while visiting XXXX in XXXXXXXX XXXX. I am evidently not the only one. See attachments. My Bank of America MasterCard was used, without my consent, to charge me US {$1200.00} for about US {$65.00} ( Mexican {$1200.00} ) worth of gasoline at a XXXX gasoline station. B of A also charged me {$38.00} foreign transaction fees. I advised B of A immediately of the error while the charge was still " pending '' on my electronic statement and instructed the bank to halt payment. B of A refused. At first I thought the charge was merely an error, but it is now clear to me that I was the victim of a fraudulent and unauthorized use of my MasterCard. See attachment XXXX XXXX describing similar frauds perpetrated at what appears to be the same XXXX gasoline station ( on the way to the XXXX XXXX XXXX airport ) at which I was defrauded. 

Now B of A demands that I pay the full amount, even though I never authorized a charge of US {$1200.00} to my credit card and actually instructed the bank not to pay the " pending '' charge. As I describe in the attached documents, I was told at a XXXX gasoline station that the attendant was using my credit card to charge me {$1200.00} ( Mexican Pesos ) for gasoline. The symbol " $ '' is used in XXXX to represent Mexican Pesos. In fact, it turns out that the attendant used my card to charge US {$1200.00} to my account. 

Details of the events, my efforts to get B of A to reverse the improper charges, and my discovery of very similar fraudulent charges at the XXXX station are to be found in the attached documents. Those documents include my correspondence with B of A, my sworn affidavit, and materials in which other US visitors to XXXX XXXX XXXX and its airport have described similar fraudulent transactions with merchants using similar designators as were used to steal money from me.

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 2023-02-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dont recognize these Inquieres : 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 non-monetary relief
Consumer complaint received 2023-02-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.

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 2023-02-17 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: PA

Complaint narrative:
Hello, this is in reference to a private student loan that I cosigned for my son. I went to XXXXXXXX XXXX ( the company that services the loan is called XXXX XXXX ). 

at the time I asked for the payments to be automatically taken from my XXXX  checking account ( this did not happen ). 
When I realized that i was not making payments I called XXXX and made the payments over the phone with a debit card ( i have 4 separate loans ) this was in XXXX of 2022 I received a phone call from XXXX XXXX  collections telling me that 1 of the loans was still behind and going into default I immediately called XXXX and spoke to a representative who told me that the funds were misapplied ( an overpayment to 1 loan an no payment to 1 loan ). He told me he would adjust it and i was current. XXXX records these phone calls they are on record In XXXX I was informed that the loan was in default After countless phone calls and emails I spoke with a representative who helped me, she found the mistake made on XXXX behalf and helped me return the loan into repayment status. In the meantime from XXXX there are derogatory and delinquent account notices with XXXX and Experian that remain on my sons and my credit reports. I have politely been asking for these items to be removed because the misapplied payment was a mistake by 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 non-monetary relief
Consumer complaint received 2023-02-17 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: VA

Complaint narrative:
I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 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 non-monetary relief
Consumer complaint received 2023-02-17 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: VA

Complaint narrative:
I've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX  Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Rental agency reported amount owed to collection agency. These charges are illegal and were not completed within the appropriate number of days per the Washington laws. 
I have sent emails with all documentation to the original property management team as well as the collection agency and credit bureaus and the company is fraudulently certifying the amounts to be sure even though it goes against the law. The company actually owes me 2x my deposit which is total of {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: PA

Complaint narrative:
i am a natural person. i am a living human being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. i demand the accounts listed below be removed because according to 15 USC 1681 ; I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over a month later, TransUnion STILL has not mailed to me my requested FREE annual credit report. 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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My account was made fraudulent charges on. I disputed these transactions and was now banned from the bank. I should not be penalized for something that I was a victim of. I have no criminal record. I am a XXXX XXXX and a XXXX XXXX On top of that I made the mistake of depositing a check On XX/XX/XXXX I visited a branch to deposit a check in the amount of {$3200.00} I was unemployed and started working for a company online which was a scam. I was told I would received direct deposit. During my first check after working for the company I was asked to use my check to order merchandise I would need to use to do XXXX XXXX XXXX XXXX I deposited the check and that is when everything came to reality. The suppose manager was very press about me using the funds and at this point I comfronted him and submitted a formal fraudulent complaint. I have emails that proof and the biggest proof is that I didnt access the funds. I am now behind on my mortgage. I have no way of accessing my funds. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NJ

Complaint narrative:
Please be advise I need Help Please I have tried numerous times to have remove the items listed bankruptcy items Delete/Removed with no action regarding Fraudulent Bankruptcy items. 

In 2016 I contacted Lawyer XXXX XXXX XXXX, Lawyer for the service. I paid her cash for services she never rendered. I never signed or received any document from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX filed numerous fraudulent XXXX XXXX XXXX XXXX Bankruptcy without my Authorization. 

There have been claims file against XXXX XXXX XXXX as being unethical and she was suspended as a Lawyer. 
These Bankruptcies are impacting my Credit Score and my opportunity to buy a Home tremendously for the last 7 years and my ability to be approved for credit of any kind. 

I also contacted XXXX XXXX and received a response that ALL of the cases should be removed from my credit report. See enclosed. 
I have reported this to the Consumer Financial Protection Bureau via Complaint and this is also a violation of my rights under the FCRA. 
The US Bankruptcy Courts XXXX XXXX XXXX XXXX, NJ XXXX dose NOT report Bankruptcy to the credit bureaus or to anyone. 
XXXX XXXX XXXX XXXX was unauthorized and filed she numerous fraudulent XXXX XXXX XXXX XXXX  Bankruptcy without my Authorization. I will file with the XXXX XXXX XXXX shortly. Please note XXXX as Delete/Removed ALL of the items that are reference here and on my XXXX XXXX report attached. This was FRAUDULENT. HELP HELP PLEASE. I need to get approved for a home for my family to live in, I am single mother. 

XXXXXXXX XXXX XXXXXXXX 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 2023-02-17 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: CA

Complaint narrative:
Ive recently went over my credit report and I noticed that there are late payments reporting on XXXX, TransUnion, & XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear violation

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 2023-02-17 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: CA

Complaint narrative:
Ive recently went over my credit report and I noticed that there are late payments reporting on XXXX, XXXX, & Equifax on XXXX XXXX XXXX XXXX Acct # XXXX. Its in clear violation for reporting. According to 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. They are in clear violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: IL

Complaint narrative:
THEY KEEP REPORTING THIS FRUAD ACCOUNT ON MY REPORT THEY SEE THE XXXX THEY JUST DONT WANT TO FIX IT THEY HAVE ALL THE DOCUMENT TO BLOCK OR REMOVE IT.

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 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
This goes back years and there are many bad debt collection practices they have tried to use. In XX/XX/XXXX XXXX I was served a summons for debt. I did not know what this was for. I went to court on XXXX XXXX, XXXX. The judge advised I contact the debt collector BC Services to resolve the issue. I contacted them the same day. I was told this was for medical debt and had assumed it was from after I had given birth in XXXX XXXX. At this time I told them I was not working so I could not set up a payment plan as I had no income or money to give them. I asked multiple times if there would be a judgement against me they assured me there would not be. I asked if I needed to contact their lawyer to make sure there wouldn't be a judgement they told me no they would take care of it and that there would be no judgment against me. Then in XXXX XXXX I received notice there indeed was judgment. So they lied  to me. I called them immediately and asked them to fix this and they refused. I told them I would pay nothing since they were using false debt collection practices. Fast forward to XX/XX/XXXXXXXX XXXX my work notifies of a garnishment from them. They can't collect because at the time I'm making minimum wage. My boss wants to encourage me to make a payment plan so they can give me a raise. I'm still skeptical because this company has already lied to me before. My boss insists. I call BC Services and request more information on the debt because it has never been verified as mine and set up a payment plan so I would not garnished. Well all they ever sent me was an invoice type paper. Still did not verify the debt was mine. In XXXX XXXX I called again to get verification again and asked specifically for proof this debt is mine. Paper work with my signature showing I agreed to pay any bills for what they say is my debt. They were hostile on the phone and said well its your name. That doesn't prove it is my debt. They once again send me just an invoice type paper with no proof but they did prove it is not my debt. On the paper it says the account is for an XXXX XXXX. My name is not and has never been XXXX XXXX. So why they are trying to extort me for money for debt that is not mine but somehow has someone else 's name on the account. They have no proof the debt is mine and will not send any valid proof it is mine. Was I nave and set up a payment plan yes I was because they wouldn't work with me and provide the information to me. They had the upper hand though because they got a false judgment against which allowed them to garnish my wages if I did not make payments. It is illegal what they did and they are required to prove the debt is mine. Instead they sent me a paper that proves it is not mine.

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 2023-02-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have tried to get the verification process from the consumer credit reporting agency with no avail. This company has refused to give me the process. Since they won't release this information to me i assumed that the company listed on my consumer report is the furnisher. I sent the US Bankruptcy court a letter via us mail asking them if they gave my personal information to any consumer credit reporting agency. They sent a correspondence, and, in that letter, they said they did not give my personal information. I will attach the letter as evidence. For this reason, I demand that account is permanently deleted. I am also requesting that I receive {$1000.00} from XXXX under the 15 usc 1681n willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo auto loan with no warranty on the vehicle. I smell carbon monoxide in the vehicle the repair is too expensive. I Couldn't negotiate lowering payments on the auto loan. The interest rates were too high. Forcing me into bankruptcy that i still couldn't make payments on No covid releif option at all. Also XXXX has over a dozen recalls on my vehicle I was not informed about. I had to find out on my own. I haven't received a letter yet. XXXX XXXX sold me the vehicle with no warranty. I wasn't aware of that. The bed liner doesn't fit in the truck properly. I had electrical issues ever since I pulled off the lot.

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 2023-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I obtained a loan from One Main Financial on XX/XX/2023. Only after agreeing to the stated requirements was I told about, and given an amount which would be included in the loan as an Administrative Fee of {$50.00}. The second issue is that the origination date of the loan at which point interest began to be accrued was XX/XX/XXXX. I was advised after signing the loan agreement that the funds would not be deposited to my account for 3 - 5 business days. So basically I am being charged 20 % interest every calendar day for money I do not even have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, Ally Bank advertised on the internet with a promotion if a customer open a saving account with Ally Bank and the fund stay there until XX/XX/XXXX Ally Bank will pay 1 % Bonus for the funds moved in there and will get paid 1 % of the fund in the account. So I moved {$50000.00} from XXXX on XX/XX/XXXX and the fund stayed there until XXXX.They do not pay me ( {$500.00} ) as promised. When I called them on XX/XX/XXXX to ask them how come I still have not received my bonus they said it is not new money because I moved the money from Ally saving ( ending in XXXX ) to XXXX and then invest in the getpaid account ( ending in XXXX ). Once the money is in XXXX it is new money. They try to rip me off and not pay me as advertised. This is scam. I am really XXXX and need help. If the do not pay me as promised I will broadcast my experience in the internet and they will lose a lot of business.

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