vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
In XX/XX/XXXX I received a {$50.00} annual fee on my XXXX Bank card. At that time my card had a XXXX balance so I was not checking this account and missed that an annual fee had been charged, so I missed my payment. When I got a letter in the mail I called the consumer services person said they would reverse and {$41.00} fee and I authorized a {$50.00} payment for the annual fee. I did not hear anything from the bank in XXXX, but in XXXX I got a letter stating my account was passed due so I called the consumer service person said there was nothing wrong with my account and to discard the letter it was send by mistake. I hear nothing else so I thought everything was ok. In XXXX I received another letter so I called the bank on XXXX. The representative said the same thing that the account was current and there was no issue. on XX/XX/XXXX I got a letter and a check from the bank saying they closed my secured credit card due to non-payment and they deducted all the fees/interest + the annual payment amount total deducted was {$160.00}. I should not have been charged anything over the annual payment amount. When I called the bank the consumer services person laughed at me and told me she could not help.

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/2022, Bank of America charged me {$550.00} for a corporate ( e.g., its ) check to XXXX XXXX. In accordance with my long standing request for a monthly bill pay. That check to date has not been received by the merchant. My initial attempts to resolve this dispute included discussions with the bank 's customer service line. All that the bank 's representative could do was to assure me thate amount has been debited from my account. I knew that. I subsequently tried to see a customer service representative at a local branch. The bank informed me online has no such employees in its branches in downtown XXXX. I also requested a call from another representative. The bank informed me online that it has no one available to return my call. I finally sent a letter to the bank 's home office. That was responded to by a form letter from the bank saying that it could not respond and that I had to call a customer service representative!

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Was notified through XXXX that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Was notified through experian that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted XXXX XXXX Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects XXXX days past due payments. Which I have proof of timely made payments. 

XXXX XXXX said they will do some research and get back in contact.

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 2023-01-13 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: MD

Complaint narrative:
I have identified items on my consumer report that should not be there. Please view the attached documents for further detailed information about this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX a person from Sears called me and offer me XXXX XXXX he told me that it was going to be monthly payments, I asked to email/mail me documents saying what he was offering. At XXXX I saw charges in my Sears XXXX for XXXX and XXXX, so I called them and ask again for the documents showing what services I was getting, I called them several times and they ended up giving a phone number for the dept. in charge of Home Services ( XXXX XXXX XXXX with Location at Florida ) which I find out just yesterday, I request these people the documents regarding the home services and again I did not received till the end of XXXX, which was showing that I was in a contract for 1 year. On XXXX I request home services for my appliances/they say they can inspect/do maintenance up to XXXX for the same fee that I was paying {$75.00}, which I paid on XX/XX/XXXX, they send a XXXX  from XXXX XXXX who did not XXXXXXXX XXXX XXXX XXXXnce I was doing XXXX he said it looks like is working Ok, even when I told him that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he did not care and left me a copy of his receipt. I hired a technician to inspect my washer and he told me that it will be better to buy a new one, which I did on XX/XX/XXXX from Home Depot. See attached documents. 
I want XXXX XXXX XXXX to refund me the money that I paid buying a new washer machine {$940.00} BECAUSE THEY FAIL TO DO THEIR JOB AND REPAIR MY WASHER WHILE IT WAS UNDER THEIR CONTRACT. If they want to replace it for a new one they can do it too, since I hXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Their technician failed to do his job, failing to repair and making buy a new one. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ Americredit/GM Financial 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 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 2023-01-13 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: CA

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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Credit Resurgance said I opened an XXXX account in XX/XX/2021 and I havd never owned XXXX for about 10 years so how can it be possible to verify this debt to prove that I owe nothing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: NY

Complaint narrative:
I called the customer service phone number to ask why I couldn't use my card that had money on it for certain things. For example I can buy clothes and games online with my card but I couldn't order uber eats online. They asked me to verify my information. I was able to verify the following ; -name -DOB -FULL ADDRESS -Sent Picture of current XXXX state ID I however was not able to verify the phone number and/or email on the account. As I've had several emails and phone numbers since.. and this is maybe years later since created. After I gave the incorrect email they froze my account. My only income is XXXX and the funds go directly to thay account. I suffer from XXXX and XXXX XXXX XXXX. This took such a toll on my mental and if it wasn't for my sons mother I wouldn't have had any clue what to do. From the XXXX hour wait time on the phone to speaking to countless people who refuse to help me I was getting no where. My sons mother advice to me was go to the office where I was also denied help. I was told I can change my direct deposit information but I would have to wait another month for the check. But they couldn't help with the current funds on the account.. only the pending and future funds. They sent me a check and I set my ssi payments up with another bank.. however the current amount on the card is still there and I still do not have access to it. I have not been able to use this account since mid XXXX and though I was able to handle this pending and future deposits. The amount that's been on there is being held XXXX. They refuse to close the account and send a check because they refuse to unlock the account. I'm lost sleep and put in financial hardship over this. I have a XXXX year old. I have bills. My family depends on me and they should be able to when I'm doing all I can. Direct express refuses to help me no matter the times I call nor the emails I send. The account is still open and money still there. I can not continue to hope they do the right thing. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
checking my credit report ive noticed incorrect information on my Equifax file. I am interested in disputing all invalid data to correct my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: MD

Complaint narrative:
I have identified items on my consumer report that should not be there. Please view the attached documents for further detailed information about this matter. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NC

Complaint narrative:
I applied for XXXX XXXX XXXX loan forgiveness and my edfinancial accounts should be closed as they were sold to XXXX. My edfinancial loans are still showing on my credit reports which means my loans were duplicated and showing incorrect information. I have no more loans with edfinancial. My loans were sold and consolidated into XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NJ

Complaint narrative:
I am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with TransUnion and XXXX since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with TransUnion and XXXX who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.

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 2023-01-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a complaint against a XXXX account appearing on my credit report with a balance of {$24.00}. I have been disputing this account with XXXX and Experian since XXXX and attempting to contact the creditor without success. Despite several attempts to contact XXXX over the phone to resolve this balance, each representative told me they could not locate any matching account in their system. 

This is causing me an immense amount of stress and confusion. I have sent them letters requesting more information about this debt, including a breakdown of the balance and copy of a contract but never received any reply. Further, I have disputed this with XXXX and Experian who have not conducted a proper investigation or supplied me with any results. 

The only response from XXXX was dated XX/XX/XXXX. It had the customer number field blank and stated that it could not find my XXXX XXXX Credit Account . I don't understand how this can be on my credit report if my information can not be matched to any account with XXXX . Additionally, when I called to follow up on XX/XX/XXXX to the number listed on my credit report XXXX there was no way to get a hold of someone other than an automated message.

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 2023-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Explained to the company someone did a XXXX XXXX XXXX  which a police report was made and they told me they would take care of it and never did. XXXX In the repossession department told me XXXXXXXX XXXX has full coverage but never adjusted the claim or refunded me for the last over paid loan on the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
To Whom it may concern : I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly investigate, update and delete addresses that i never resided and may possibly be listed on my credit report due to fraud. Please remove all other names variations immediately. 

Collection Account : BRIDGECREST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company refuses to reinstate my credit limit of {$1600.00}. They should have contacted me before obtaining a credit report on XXXX XXXX XXXX  They should had gave me 30 day notice of decreasing my credit limit. Also, on XX/XX/XXXX I purchased XXXX  gift cards that I paid cash and they charged my target card. I only charge my target card for the non-gift cards. I called to file a dispute and they said they did it, but it was never put through. When I first open the account up with them, I was promised a {$40.00} voucher part of my new membership for opening the card.never sent to me.every time I try to use my card in target half the time it doesnt work. This is the worst stire card I ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
SIMPLE. THE XXXX XXXX XXXX XXXX ACCOUNT WAS CLOSED AND REMOVED BY THE COMPANY THEMSELVES. XXXX AND XXXX HAVE ALREADY REMOVED THIS ACCOUNT BUT NOT EQUIFAX. WHY? IT IS NO LONGER VALID SO IT NOW IS A UNFAIR BLEMISH ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation