vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit 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: NV

Complaint narrative:
I have applied numerous times to Bank Of America for credits and I am continuously getting denied due to credit reporting agencies information so I have been told in the attached documents. I had my credit compromised a number of years ago, which I am continuously disputing with the credit reporting agencies.

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 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My mortgage company charged me for insurance when I already had insurance coverage and this increased my loan amount. I was unable to contact a live person to resolve the issue and have paid the higher amount for a year. I received my new escrow statement and it indicates I have a shortfall ( which happens every year.. why? ) I called the number on the notice and reached a live person. In the process of asking my questions the rep disconnected the line. I have been talking on my phone all day with no disconnection issues. I called back to the new rep and told him what happened and he said the first rep made a note that the connection was bad and the call dropped ( not true ). I asked him to call me back if we were disconnected and he said he could not, that he would have to set up a separate request for a call back, and then the line disconnected again. I made several other calls after with no issue. There is systemic deception and abuse and unfair practices with Wells Fargo.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Make a validation with all of the 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 non-monetary relief
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
My account had been closed for about 1 year with chime banking i have got ahold of them plenty of times and spoke over the phone with the representatives and they told me my closure check which was for {$500.00} would be sent out to me in the mail i needed to comfirm my address with them so that they can make sure they had the right information i have still not received nothing in the mail this is ridiculous i get they closed the account but they owe me money!!! that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-24 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I woke up to an email alerting me my checking accounts were overdrawn, which l knew l had sufficent funds to cover any charges. I checked online to find both my personal and business checking accounts hit with a {$99.00} XXXX dollar deficit. It was absorbing any deposits or funds l had in my checking accounts. I called the XXXX and Court Order department at Chase Bank and was told they could not tell me anything due to the nature of the hold and to call back in 2 business days.They kept telling me the same message every 2 business days. I even went into a branch and spoke to the manager. She callled the same dept and was told the same message, " Call back in 2-business days ''. Then it changed from a deficit to a " Withdrawal '' on both accounts. Personal was on XX/XX/XXXX ( {$20000.00} ) and business was XX/XX/XXXX ( {$57000.00} ), totalling {$78000.00} stolen from me. Besides being a single mother with bills attached to my personal account, l have business expenses l am unable to meet. This will cripple my business, which has been operating since XX/XX/year>. I have had no communication from anyone about this. I called the IRIS, only to be told it was not them ; l was up-to-date. A colleague told me about a Complaint against an individual l know. I read the Complaint ( XXXX XXXX XXXX XXXX XXXX et al, XXXX ). After reading the Complaint, l even emailed the one Plaintiff attorney on the Complaint to no avail. I knew 2 people mentioned in the complaint, one more recently, but in no way had any idea what they were involved with. Honestly, l did not understand most of the Complaint. With nowhere to turn, I hope the CFPB can assist me in resolving this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been a client for XXXX XXXX for several years with excellent on time payment history. However, after reviewing my credit report I've noticed late payments reportedXX/XX/XXXX, and XX/XX/XXXX I send all payments in a timely manner, not sure why the payments were not recorded on my account by the due date. I tried to resolve this issue with the company, but they refuse to help although as a consumer I feel my rights were violated. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required 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 non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The XXXX has explicitly stated that XXXX  should not be reflected in my credit history, and there is a deficiency in ensuring accurate reporting on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I complete jobs for the XXXX XXXX They pay with virtual cards. I always select the visa XXXX  card. Every time I get a new card and try to add it to my XXXX XXXX, it doesnt allow me to do so and tells me to contact the issuer. When I call the issuer, I have to wait on hold for over XXXX XXXX  for them to unlock the card and allow me to add it to my XXXX XXXX. This is a waste of my time because I already worked for this money and shouldnt have to waste more time trying to receive it. It makes my pay go down if I have to spend XXXX  the amount of time to claim payment. Today they asked me to call back after having me on hold for XXXX XXXX. Thats a whole hour of my time for a {$5.00} gift card. Plus the work I already did to get this pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I see collection accounts showing up on my report from a collection agency reporting an original creditor that I never had an account with. I believe that they are try to collect from me for an account i had XXXX XXXX ago that has falling off my credit report, and using another creditor name to collect a debt. This is a violation and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I received a correspondence in the mail on XX/XX/XXXX for a charged off debt from XXXX. I feel that it is way past the debt timeframe and I should not have to pay.

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 2024-01-24 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX I spoke to XXXX, Target Dispute associate regarding the letter I received on XX/XX/XXXX, disagreement with my claim disputing a payment of {$330.00} posted to my Target Red card on XX/XX/XXXX. The letter was dated XXXX, XX/XX/XXXX. Account ID : XXXX. The letter from Target Dispute Resolution, claimed I made the payment of {$330.00} on XX/XX/XXXX, after setting up an Auto Pay on XX/XX/XXXX. I set an XXXX XXXX on XX/XX/XXXX for {$45.00} and advised the Dispute XXXX XXXX on XX/XX/XXXX. I made XXXX aware of my email alert from XXXX on XX/XX/XXXX regarding the enrollment in Auto Pay and the amount was not {$330.00}. I also advised XXXX the Auto Pay enrollment was cancelled by me on XX/XX/XXXX. I was charged a fee of {$27.00} and {$1.00} regarding the disputed payment I DID NOT MAKE. I provided a copy of my XXXXXXXX XXXX checking statement and my bank also reviewed my checking account with me in person and by telephone, and each time told me {$330.00} was never presented to the bank and it was never returned for insufficient funds. This is the second letter I received from Target after trying to resolve this issue. Target closed my account stating the {$330.00} was returned by my bank but I never made the payment. I advised XXXX of my email alert I received on XX/XX/XXXX, auto payment enrollment, amount {$45.00} not {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I received a correspondence in the mail on XX/XX/XXXX for a charged off debt from XXXX. I feel that it is way past the debt timeframe and I should not have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Can you update my address and name on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is not an error. I am sending my formal notice that you are in violation for reporting this inaccurate item on my credit report. My auto insurance rates are very high because of this error.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I'm not liable for this debt with LVNV Funding, LLC account ending with XXXX and a balance of {$1500.00}. I do not have a contract with this collection agency. They did not provide me with the original contract as requested. I ask that this agency be removed immediately from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year> I am reporting a fraudulent inquiries found in 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been a customer with XXXX since XXXX with an excellent on time payment history. I recently saw on my recent credit report that the payment status was shown 30 days late for XX/XX/XXXX and XX/XX/XXXX. I am not sure why payments were not reported by the due date. After XXXX failed to help resolve this issue, I feel my rights were violated. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments 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.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had opened a lowes charge XX/XX/year> and made a purchase of {$2100.00} with a promotional no interest rate. I made monthly payments of {$100.00} every month through my XXXX XXXX XXXX despite not receiving statements because I knew I had a balance on this card. Synchrony bank is unable to provide me with any documentation stating when or how I was switched over to paperless statements. As a result of my statements going paperless I did not receive notification that I was nearing the end of the promotional period and was going to be assessed close to {$700.00} in interest charges. I also was not made aware that synchrony bank changed their po box that my payments were supposed to be sent to because they said they notified by email. This resulted in 3 payments being sent to a wrong po box that I had been using since I got the card and I am being assessed fees due to late payments despite the fact that the payments were sent on time to an address that I had been using for over a year.

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 2024-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
I leased a XXXX XXXX XXXX in XXXX. The lease was for 3 years and in XXXX I went to the dealership and saw the down payments and monthly payments and was advised to extend the lease if unaffordable. I extended the lease a total of 15 months and in XXXX of XXXX I had to turn in the vehicle, purchase the vehicle or lease another vehicle. The buyout was for XXXX and wanted to finance that because the down payment and monthly payment on a new XXXX was upwards of XXXX a month with a XXXX down payment. I said to the salesman lets finance the existing vehicle. He says ok and walks away to talk to financing. He returns and says sorry theres a stop sale recall on your XXXX XXXX and we can not legally sell you this car. I said huh. He says yeah, unfortunately you have to turn it in and purchase a different vehicle. I couldnt leave with the car because the lease was up. I called XXXX XXXX and another XXXX number, the financing line gave me. Both representives were no help. They said we dont sell cars you have to talk to the dealership. I felt pressured to buy a car because my lease was up and couldnt wait any longer to get the recall fixed so they could legally sell me my existing lease. I thought XXXX XXXX somehow compensated a customer whos been with them for XXXX vehicles now and didnt create this situation. Id like my story to be told to an executive at XXXX but they will not even initially respond to my request.

Company response to consumer: Closed with explanation