vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
In accordance with the fair credit reporting Act LAW OFFICE XXXX XXXX XXXX XXXX  # XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights 15. U.S.C 1681 Section 602 A Section states I have the right to privacy 15. U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX ( XX/XX/XXXX ), I called Bank of America/Visa to inquire about BALANCE TRANSFER PROMOTIONS. I spoke with an agent who offered " {$9000.00} with 0 % for 18-month promotional period. '' I proceeded to give my information and was approved. 

I wrote in my XXXX sheet where I track all payments to accounts including credit cards : " BOA VISA *new* XXXX XXXX % Interest 18month ( opened XX/XX/XXXX ) XXXX '' In XXXX of this year, I discovered that they had begun charging interest and that there were late fees. The monthly due date was the 4th of every month. I felt upset because I had requested previously to change the monthly due date to the 12th. So I called Customer Service and after a XXXX hour phone call I was told : XXXX that the monthly due date was changed until the 12th XXXX. My account would be credited for the late fees and the interest charge XXXX. My case was being escalated regarding the 18-month 0 % interest promotional period. And that I would receive a response. 

Well, I never got a response. 
The monthly due date was never changed And they continued charging interest in XXXX I have a very busy schedule and travel a lot and was not able to check this in XXXX, So now I find out that nothing has been done and that I have been charged nearly {$1000.00} in late fees and interest. 

I have been a Bank of America client for about 20 years with multiple accounts. I feel lied to and that there is no resolution other than pay it all or fight. 

I am ready to clear this balance immediately but do not agree with these late feeds and nearly 23 % interest charges. 

Please advise. 
Thank you, 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 monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Was offered points for charging {$2000.00} on the card in 3 months Started using the card as soon as I received in the mail which was XX/XX/XXXX annual charge for use of card was charged XX/XX/XXXX assumed had until XX/XX/XXXX to charge because this was not clear But while using the card out of town I attempted to use the card and got a not authorized notice so assumed I had reached my balance of {$2000.00} and met the requirements Unfortunately when I returned from my trip I had a XXXX  in the family then XXXXXXXX XXXX  I then just contacted them looking for my points and were told above When contacted them were told no it started XX/XX/XXXX? and sorry It would be extremely difficult to charge on a card when I dont have it in my possession

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Calls daily from various phone numbers and locations ( based on area codes showing )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 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:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

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 2022-08-13 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: GA

Complaint narrative:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: VA

Complaint narrative:
PARAGON REVENUE GROUP Contacted me in regards to two hospital bills with past due deductibles. I gave them my Veterans insurance information for them to submit claims for payments as well as previously providing the hospital the same information. Ive also contacted the VA to ensure payments would be made on my behalf. The PARAGON REVENUE GROUP continued to contact me by phone and mail with no indication of insurance updates and they have now reported the past due bill to the credit reporting bureaus. By law, the treating hospital must submit claims for payments to the VA in a timely manner ( within 90 days of discharge from the treatment facility ). XXXX XXXX XXXX XXXX has a history of failing to submit claims to the VA and the employees dealing with insurance continually have issues with the proper entry in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681 Account # XXXX XXXX, Acct : XXXX XXXX, Acct : XXXX, 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 a account without my written instructions. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-08-13 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My information was leaked in security breach and I have to be a victim of identity thief.

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 2022-08-13 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: C/C Financial
State: MI

Complaint narrative:
My information was leaked in security breach and I have to be a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: FL

Complaint narrative:
On XX/XX/XXXX I paid off XXXX XXXX XXXX with EdFinancial, my loan service provider. On XX/XX/XXXX I made a payment of {$340.00} to XXXX XXXX XXXX with EdFinancial. The payment was misallocated to XXXX XXXX XXXX by EdFinancial. I did not notice this mistake until XXXX, XXXX. At first I believe I had somehow selected an incorrect loan group while making my payment, but was confused as I didn't believe I'd be able to make a payment to a paid off loan. However, after contacting EdFinancial to receive assistance is correcting the payment, I was told they had a system-wide error in XXXX causing many payments to be misallocated. The agent on the phone told me no attempt to contact me to inform me of the error had been made, because many clients were calling them with the same issue, so they didn't have time to provide a notice. I asked if the error would be corrected before the forbearance period ended on XX/XX/XXXX, they said they were unsure and couldn't provide a resolution timeline. I reached out via email to receive assistance as well and they said they could submit a " request to our Finance Department to review [ the ] account. '' I received an email on XX/XX/XXXX saying they had resolved the issue. However, when I logged into my account to review the correction on XX/XX/XXXX I found that they had not corrected the error. Instead, they had left the payment from XX/XX/XXXX incorrect and moved my pay-off payment from XX/XX/XXXX to another loan group, incorrectly. Now XXXX XXXX XXXX is incorrectly paid off and XXXX XXXX has a remaining balance of {$770.00} instead of being paid off. I called EdFinancial to remedy this on XX/XX/XXXX and they said they'd try to correct it in the next 7-10 business days, but I'd have to be patient as they have hundreds of these corrections to complete. However, this issue is persisting and the Forbearance period is ending soon and I will have to pay a higher interest rate on Loan G instead of Loan C. I've been going back and forth for an error on their part for a month and they seem to be making the initial issue worse rather than resolving. Additionally, when I ask how I can make sure this issue is documented, they say they are unable to provide any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bepensa Capital, Inc.
State: FL

Complaint narrative:
I have continuously made letters to business as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and also XX/XX/XXXX in request to the following information regarding the sale or auction on the account listed. I've asked this business to provide all documents of when and the amounts in which the vehicle was sold or auctioned. I've asked for the deficiency balance or surplus amount following the sale or auction of the vehicle, as well as the original balance of the vehicle. I was told via telephone from a XXXX that they do t have any info in reference to acct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Ive disputed with all three credit bureaus on my XXXX XXXX  credit card ( XXXX XXXX digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX XXXX XXXX TransUnion 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 2022-08-13 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: SC

Complaint narrative:
Ive disputed with all three credit bureaus on my XXXX XXXX credit card ( XXXX four digits of account number ) countless times as this account had fraudulent charges and the creditor agreed to delete the late payment remark as I had no idea any balance was due on the account as its never been used. Creditor completed their investigation and corrected my account on their end, removing the late payment fees and reversing the charges made by the fraud. The creditor stated they would comply with the Bureaus once I submit my disputes however, after several ( 5 or more with each bureau ) its apparent that theyre not accurately nor fairly investigating my legal rights. Creditor is happy to correct payment rating and remove the late payment remark once theyre contacted by XXXX XXXX Equifax XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion, XXXX XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately

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 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX transferred its credit card business from XXXX XXXX to Barclays Bank around XX/XX/2022. Without notice, Barclay Bank  XXXX imposed a {$100.00} per month purchase requirement upon cardholders. If this is requirement is not met, a {$2.00} per month fee is imposed. On XX/XX/2022 I was charged a fee of {$2.00} pursuant to this requirement. While such a charge might seem de minimis, the purchase requirement is not. No information concerning this fee is found on the Barclay Bank  XXXX website nor do the FAQs mention this. Prior to the change in banks, no such requirement existed, thus consumers in good faith signed up for a card that did not impose a minimum purchase requirement. Without notice, consumers are now required to spend {$1200.00} per year using this credit card or incur an arbitrary fee, which presumably can increase over time. 

I contacted Barclays Bank XXXX concerning this and was told by a representative that she could not do anything about this requirement, although as a courtesy she removed the {$2.00} from my account. 

While closing a credit card account is an option, this action can adversely affect one 's credit score for a several reasons. When a consumer loses the available credit limit on that account, her credit utilization ratio jumps, thus suggesting that the consumer is using a higher amount of her available credit. 

I believe this requirement to be inequitable, discriminatory and illegal, and particularly harmful to XXXX  such as myself who are retired and on a limited income. We did not sign up for this.

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 2022-08-13 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: MS

Complaint narrative:
My paycheck was deposited early on XXXX and wasnt in the bank. I found out since Wednesday XXXX deposits havent shown up. 
Late on XXXX my deposit showed and then today XXXX it disappeared no contact from the bank except a banner on app. 
This is totally unacceptable behavior for a bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Payments and loan amount, payment dates, accounts last used information is incorrect and inconsistently reported on all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2022 I deposited {$100.00} through an ATM to my checking account at the Citizens bank located at XXXX XXXX XXXX XXXX in XXXX, PA. The ATM gave me a receipt but did not put the money in my account. I immediately noticed this while at the ATM and walked to the bank teller to ask for my money since I need it for diapers and food. The bank refused to give me the money despite my receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-13 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: MS

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation