vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed an account for me on XX/XX/2018, after a claim I made for two charge backs that they made to my account. I recently found out when I asked XXXX for a report, that apart from closing my account, they reported me as a closed account with an unpaid balance and possible fraud. It seems to me an unfair measure, since at the time, I provided them with all the necessary information so that they could verify that I had been the victim of a scam on a website called XXXX. Said bad information contained in my report, does not allow me to open accounts in the main US banks for having that wrong information in my 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 2023-07-07 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
XX/XX/2023, 18 days after arriving in Arizona, I chose to trust Drive Now auto dealership and Auto Now Financial financing company in regard to purchasing a vehicle. I chose a XXXX XXXX XXXX. This vehicle was in my possession for every bit of 66 days. This vehicle continued to give me issues, from day one, and even after their service department stated the problems were fixed. I took it back to the dealer on XX/XX/2023 because I smelled oil burning. On XX/XX/2023 I was informed to take the vehicle into their service department, the vehicle could not get in until the XXXX and was kept until the XX/XX/XXXX. Nothing changed it got worse. I even paid for services to the vehicle, and it continued not to conform to my standards nor my needs. I voluntarily returned the vehicle, which they came to retrieve on XX/XX/2023, after two weeks of sitting in the parking lot of my home. I have spoken back and forth with them on multiple occasions still no solid or major resolve has been given. They are now stating and considering the voluntary return of the vehicle as a repossession. To top it off these companies are in violation of the Truth in Lending Act and other state and federal laws. ( A.R.S 44-1522, A.R.S 13-2202, A.R.S 47-2612, A.R.S 44-6002, A.R.S 44-286, A.R.S 44-289, 15 U.S.C 1605. 
Replying with " You signed the contract so You're responsible ''. 
True I did sign the contract, yet the terms were vaguely and quickly explained to me, I got rushed through the signing process, not being able to fully read and understand what was being presented to me. When I did get the time to fully read and better understand the terms, I realized there were many contradicting and unlawful practices intertwined within the contract. 
I submitted a XXXX  report complaint on them as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: WA

Complaint narrative:
On XX/XX/2023 I applied for an American Express Hilton card that offered XXXX points when spending {$2000.00} in XXXX  months. At first, I got rejected for the card, so I called the customer service line and asked if they can reconsider me for this card. The man over the phone at first said I wouldn't be able to get the points since the offer had expired but I explained it is active on the AMEX website. He then realized he was wrong and figured out a way to get me accepted. I asked him if I will get the bonus points 100 % for sure. He said yes I will. after receiving my card I asked a customer service representative on the mobile chat if I got the bonus points and they said I did not get accepted even though the guy on the phone reassured me multiple times that I got it. 

I opened an investigation with AMEX but they are taking too long and they explained that there is a chance i will not get it. I want someone to listen to the phone call I had with the agent on XX/XX/XXXX and I want my bonus offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Klarna AB
State: CA

Complaint narrative:
I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I did not try to receive any credit card or do any increase. Nothing to do with XXXX XXXX, please fix this inquiry on my Report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, an unauthorized transaction was made on my XXXX account for {$1900.00} dollars. The transaction was labelled as XXXX XXXX XXXX I did not become aware of the issue until several days later. I reached out to XXXX and my bank about this issue. Chase Bank is in the process of conducting an investigation into the issue. So far the bank has given me provisional credit, but they have not made the funds permanent.

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

Complaint narrative:
I hope this message finds you well. I am writing to seek your assistance regarding an issue with my credit report, specifically related to my XXXX account. 

Despite being charged off, my account is reported as 'charged off ' on a monthly basis. This ongoing reporting is causing it to appear as though new negative events are happening every month, which is misleading and inaccurate. 

As per the Fair Credit Reporting Act, a charged-off account should only be reported as such once, not continuously every month. This consistent reporting not only contravenes this guideline but also unduly impacts my credit score. 

Due to these persistent inaccuracies and the adverse effect they're having on my credit standing, I kindly request your intervention to rectify this situation. I am seeking the removal of this account from my credit report, given its incorrect and misleading monthly charge-off reporting. 

Thank you for your prompt attention to this matter. 

Best regards, 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Equifax Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: OR

Complaint narrative:
My XXXX wrote me a check. Her bank is nearby and I went to cash it. I waited over XXXX minutes to be told to cash a check at the bank where her account is costs {$7.00}. 

This is not service oriented at all for your members not for those they write checks to. 

Very bad policy. Speaks poorly of US Bank.

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 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i closed account XXXX at citibank and the bank has not refunded me the money from the closed account despite XXXX letter and XXXX phone calls. most recently citi says that my address of XXXX years is invalid and go to a branch. the branch says that i have to call citi

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting an account inaccurately on my consumer report. There was never cash given or a loan given therefore the account type listed as auto loan is incorrect. If transunion can not provide me with documentary accounting proving I received a cash loan this account needs to be removed immediately. I have attached a copy of documentation proving I never had a loan with XXXX XXXX XXXX and was paid in full for the total loss of my vehicle directly from XXXX XXXX XXXX. If there was an alleged loan given the check for the total loss of my vehicle would have been given to XXXX XXXX XXXX and not me, the sole owner of the vehicle. XXXX states that when a consumer reporting agency has reason to believe information is inaccurate in a consumer report that information must be deleted immediately upon the consumers request.

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 2023-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
Earlier this spring, I got a notification email that my student loan payment was past due. This was confusing, because the Covid forbearance has been in effect for several years and no payments are due. I called a few months ago and was told that this was some sort of issue with add service financials, transferring of their own website or payment platform and it would resolve itself. 

For the next few months, I continued to get emails that a payment was due. XXXX month, I simply made the payment. Then I realized that it continued to tell me that I had a past due payment each month that I didnt pay. 

I called today and was informed that when the company did this transfer on their website, the forbearance marker on my account fell off and I was designated as in repayment. I asked if this was a mistake. I was told that no, it wasnt a mistake, its just something that happened. He changed the designation on my account. I said that it sounded like a mistake or a deceptive practice. They told me it wasnt a deceptive practice and it was a known issue. I asked, if it was a known issue then why wasnt I informed? The customer service agent refused to answer that question. I told him I would make a complaint to the DoE and he rushed off the phones and told me to stay on the line for a one question survey. I waited for another XXXX minutes, and was never sent to the survey to register my dissatisfaction with my engagement. 

I am a pretty informed student loan borrower who has the resources to pay and to spend XXXX minutes on the phone with Ed Services financial. I am submitting this complaint so the CFPB is aware that they are engaging in these deceptive practices on behalf of people who dont have the awareness or time to deal with this loan service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/2023, we were balancing our XXXX statement and saw a charge that was fraudulent. This charge was for the amount of {$1200.00} as an XXXX withdrawal from XXXX on XX/XX/2023. We immediately advised our bank who advised that they would look into and open up a dispute. 

Mountain America Credit Union advised us that due to their XXXX  rules and policies, they would not be able to refund us the monies as they had a TRACE ID that connected the charge to XXXX and we would need to consult XXXX for the refund of monies. 

We contacted XXXX who advised that the charge did not come from them of which they provided us additional documentation stating such and advised us that we would have to open up case with Mountain America Credit Union. We provided the documentation directly to Mountain America Credit Union and they advised that they would not do anything for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I'm writing to express my concerns regarding the reporting of my charged-off American Express credit card account on my credit report. 

This account has been officially charged off, however, it continues to be reported as a 'charge-off ' on my credit report for an extended period of time. This repetition implies that a new negative event is occurring each month, which is not accurate. 

Under the Fair Credit Reporting Act, a charged-off account should be reported as such once, not on a continuing monthly basis. The continuous reporting of the charge-off is negatively impacting my credit score in an undue manner. 

This incorrect reporting has significant consequences on my financial standing and potential for future credit opportunities. I kindly request your assistance in rectifying this issue to ensure that my credit report accurately reflects my financial history. 

Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I went to XXXX XXXX XXXX in XXXX XXXX, Ca. to buy an electric winch for my truck at a sale they were having. The cashier at the store offered me a 10 % discount if I would sign up for the XXXX XXXX XXXX credit card. I did and was supposed to receive it within 1-2 weeks. I never received a card of any kind I still have not, even after talking to 3 separate store managers. 
I received my 1st bill about XXXX. The bill contained a new charge of {$1400.00}. I immediately called customer service and after being on hold for almost 2 hours, I was transferred to XXXX in the fraud dept. He took my info and I received a questionare on XXXX from the fraud dept.which I filled out and returned immediately. On my next billing statement, the fraud charge was removed. The credit card was changed from card ending XXXX to one ending in XXXX. Still no real credit card has showed up, but I was charged {$10.00} in interest. 
Since that time, I have received billing statements every month. My balance has grown by almost {$100.00}. I have written and sent them 2 letters but they don't respond.

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 2023-07-07 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: AL

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate 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 2023-07-07 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe disappointment upon me finding unverifiable, invalidated, inaccurate, and questionable items that the credit bureau agencies did not make sure was 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) these accounts are in violation of not reporting 100 % accurate 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 2023-07-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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