vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The company is XXXX 's XXXX  and the bank is Comenity For the past 3 months ( XXXX, XXXX and XXXX ) I attempted to pay via phone. The computer refused my checking account info and forced me to speak with a human at a cost of {$9.00} each call. 
I went to make a payment online. The site repeatedly refused my checking account. I finally had to resort to my husband 's account. Then it still would not accept the bank account. Only until I went through the process of setting up auto debit. Which we are against. We got defrauded before. 
This month ( XX/XX/XXXX ) the computer forced me to call for a human and guess what, the call center is closed and will not be open till XX/XX/XXXX. Which would mean another {$40.00} late fee for their problem computers. But remember it's never their fault, I am being cheated for a {$40.00} late fee. I am tired of being constantly told I am wrong. 
There are other problems. 
I was told by the computer that my statement is {$1600.00} Then I am told I have a balance of {$1700.00} I have the XXXX statement that reads {$1700.00} Why am I making payments, and nothing is going down? 
Furthermore, it is always my fault, and I have a monthly charge of {$40.00} late fee. No matter what I do. 
I am well aware of the bankruptcy going on. Why am I being forced to pay for their problems?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX I contacted Wells Fargo because I had numerous amounts of money taken out of my account. Two for the amount of {$5000.00}, one in the amount of XXXX, another for XXXX, another one for XXXX, another for XXXX, another for XXXX. I contacted Wells Fargo and asked why a fraud alert wasnt triggered after multiple denials for other transactions and they could not tell me why. They told me to file a claim which I did and four days later they denied my claim suggesting me to reach out to the merchants and speak to them directly which I have no information on because I dont know who they are. I am out over {$15000.00} now, this is not right. I have taken the steps that I am supposed to with a police report and contacting the claims department but they are not willing to do anything. Also when the claims department called me and told me that they were denying the claim and for me to reach out to the merchants, I asked them if they did an investigation and spoke to the merchants and they told me no. They said that they have the right to deny any claim that they feel necessary. I asked them about my {$15000.00} and they told me oh well. I would like my money back as it was fraudulent.

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 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hello, I am XXXX XXXX XXXX with Amazon Platform. I was looking for a distributor for specific products. I have received offering quote from this XXXX XXXX XXXX Company. 
before, I make any deal and purchasing goods from current supplier, I verified the company 's business legitimacy and business location and stuffs with Texas state of directory office. 

The supplier asked me for paying first before packaging and shipping. I deposited money into his checking account, The amount is {$3100.00}. I awaited for delivery for 2 weeks but I did not receive it. I contacted again with distributor regarding delivery, in fact He asked more money for shipping cost that we had not made deal so at the beginning. 
I did not move forward and agreed with distributor. and they not refunded me either. 

I went to my Bank and told the story what happened with me and asked them for helping to recover my money back. they said sorry for me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CarMax, Inc.
State: ME

Complaint narrative:
Declared XXXX bankruptcy on XXXX. DIscharge on XXXX. Account is reporting incorrectly to with each credit reporting agency. One is reporting as open petition for bankruptcy, another discharged bankruptcy, and another removed the trade line. This is incorrect credit reporting, which is being supplied by the data furnisher ( creditor ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: DISCOVER BANK
State: RI

Complaint narrative:
I recive a letter from discover a month ago welcome me to the new account I never open acaunt in discovery olso they call me but I didnt call back because I dont have nothing w then

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: FL

Complaint narrative:
My credit history on a personal credit card is appearing on my ex wife 's credit report and she is able to see my balance on the card. I have verified with the card issuer that she is no longer attached to the account in any way, and has not been for several months.

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 2023-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX & ABILITY RECOVERY SERVICE filed on my credit report on XXXX claiming I owe them when I never received any services from them and have told the company I never gotten any medical help from first responders at all in the last 10 years.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
Hi, I applied for Affirm to pay for an online course, how ever, before I applied I called & asked them do they report to any of the credit bureaus. The Affirm rep. told me they only report if you are late on payments & when you pay off the loan. So I went ahead & proceeded with the loan, because I did NOT want another account on my credit to lower the score. I have been working really hard for the last 3 years to build my credit & Im extremely close to my goals. Once I received the loan, I called customer service again & asked about payments & again if they do any reporting, a different customer service associate said the exact same thing, they do not report to any credit bureaus. Then on XX/XX/XXXX  my sore drops on XXXX & I see an Affirm account report on my XXXX Credit report. I was furious, this dropped my score XXXX points which is a big deal when your are building to buy a home & new car. I then called Affirm customer service again & The customer service rep. said it must been an error because we only report if you are late on your loan payments & when you pay off your loan, same as the last 2 customer service reps. she transfers me to a manager & the manager says " SOMETIMES '' WE REPORT, " SOMETIMES '' WOW!!! I was like why would I be misinformed 3 times!! & then I get an email that these terms are in my contract, which of course I never seen!! Im disappointed with Affirms customer service associates & the lack of knowledge & their customer service period, I waited so long on hold each time I had to call, all to get LIED TO!! They could of just not reported this loan on my XXXX credit report like I was promised, & NOT GAVE ME THE " SOMETIMES '' OF REPORTING! They are unprofessional & need to stop lying to customers! This false info. is hurting my chances of future credit for a home & new car that I desperately need. & Affirm needs to take the Affirm account off my XXXX credit! So far I made 2 on time payments, I have shown I'm responsible & credit worthy! I HAVE NO LATE PAYMENTS OR ANY NEGATIVITY ON ANY OF MY CREDIT REPORTS! THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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.

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 2023-09-03 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act Exeter account # XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Dear Sir/Madam, After reading all the complaints, I have decided to file a complaint with CFPB which is probably the only way to resolve my issues with Shellpoint Mortgage from XXXX. 
My loan was transferred to Shellpoint in 2022 and thats when my nightmare started. 

I have two major issues with them that have not been resolved : ( 1 ) I have requested multiple times to remove the escrow account from this loan because they have been charging unjust payments to my escrow account ; ( 2 ) Shellpoint has been adding unjust Lender Placed Flood and Hazard insurance to my escrow account.

Your attention is deeply appreciated, and I look forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a {$200000.00} line of credit with Bank America - used over {$500000.00} during 40 years never late always paid off loans before due date -- - account is paperless had not used line of credit for several months then just learned they cashed-out account because of a {$5.00} charge I was not aware of ... {$5.00} I contacted them and was told to wire them the {$5.00} UNBELIEVABLE!!! I did and they said they would notify XXXX to remove complaint. I filed a complaint with XXXX and was just told by them that although I paid the {$5.00} Bank America wanted the bad debt filing to remain They have tarnished my perfect credit score for {$5.00} They never reached out to me about the {$5.00} NOT FAIR!!!!

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 2023-09-03 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: TX

Complaint narrative:
Credit reporting agency violations : Nonpublic private information has been reported without my permission ( Proper validation of account not done ). Was told by customer service agent that all that was done was " We contacted furnisher and they said it was validated '' Nothing else was done to validate as correct ( Admittance to no investigation done, Furnisher also did not let them know that account is in DISPUTE and not notated on credit file ) 15 USC 1681i 15 USC 1681a ( d ) ( 2 ) ( i ), ( e ), ( f ), ( k ) ( iv ) ( 1 ) 15 USC 1681b ( a ) ( 3 ) ( F ) ( ii ), ( c ) ( 1 ) ( A ) ( B ) ( 2 ) ( c ), ( e ) ( 1 ) ( 2 ), ( f ) ( 1 ) ( 2 ) 15 USC 1681c-2 15 USC 1681e 5 USC 552a ( b ) 16 CFR part 313 17 CFR 248.7 26 USC 7213 Associated accounts 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 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This company seems to have knowledge of my credit history and credit score.she frequents me on social media despite deficits in communication. I have asked her to discontinue communication. She seems to have my identification as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 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 an account without my written instructions. 

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- XXXX # XXXX XXXX XXXX XXXX XXXX - Trasunion # XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, XXXX YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be one high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Dealing with Hyundai Motor Finance, I had traded in my car on the XXXXXXXX XXXX XXXXXXXX and since then filled out and emailed a cancellation form to Hyundai Motor Finance XXXX. 

I received a cancellation confirmation for an " Extended Vehicle Service Contract '' & a " GAAP '' contract on the day of XX/XX/XXXX. 
For the vehicle with the last XXXX of the VIN Number XXXX Roughly, the value of the refund of these contracts is close to {$2400.00}, per my confirmation after calling Hyundai Motor Finance XXXX 

On the day of XX/XX/XXXX, XXXX confirmed that they received that amount from the selling dealer ( XXXX XXXX ) and will issue myself a refund. This amount was also reflected in my online account under www.hmfusa.com Unfortunately, they are extremely shady, and upon receiving a {$100.00} cheque from XXXX, I logged in to my account on XX/XX/XXXX, and saw that the earlier statement that showed that XXXX had received a payment in the amount of ~ {$2400.00} is no longer there. 

To top this all off, when I initially traded in the vehicle, XXXX claimed that I was unable to request a refund for these services and in fact that they do not provide a cancellation process for this matter. Only by the intervention of the dealership that purchased my old vehicle, was I able to get the ball rolling. 


I am in desperate need of the XXXX dollars and some change, and have even considered filing a small claims lawsuit due to my situation. 

XXXX will be avoided and so will their products in the future, no matter how good a deal it may sound like

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 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.

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