vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with cash advances
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, Firstly, Bank of America sent me Access Checks with the numbers XXXX and XXXX. I planned to use them to pay my property tax and confirmed this with the bank on XXXX. Despite their assurance that online payment was acceptable, Bank of America later returned the payment, resulting i n a {$400.00} late fee from the XXXX XXXX County property tax office. The responsibility for this late fee lies with Bank of America, and I have discussed the issue with the manager, who identified the individual responsible. I expressed my frustration, explaining that the bank had initially approved the use of the Access Check # XXXX, routing number XXXX with out proper communication or clarification. This situation caused significant inconvenience, including s [ ending an entire day at the XXXX County office in downtown XXXX XXXX. Bank of America needs to address issues of communication and knowledge within their team, as their negligent service has led to serious consequences for the customer, including a {$400.00} late fee that they XXXX cover. They use on the phone system from Bank of America 's terrible to talk customer what they want to talk easily without any responsibility. That caused that happened.

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 2023-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: AZ

Complaint narrative:
On XX/XX/2021, I signed a contract with XXXX XXXX XXXX ( XXXX ) for solar panels. XXXX said that they had their own loan company that they worked with and that they could get me qualified that afternoon. ( It was XXXX. ) Before the salesman left that day, I had a loan for {$47000.00} for a solar electrical system with Sunlight Financial, who passed it onto XXXX XXXX. ( I thought that this was odd. ) XXXX XXXX  later, XXXX came out and attached panels to my roof, all the time poking holes in my foam roof membrane, by setting the panels down on their edges and walking on hardware that they had scattered across the roof. After several bouts of trying to get XXXX out to fix my leaking roof, I called Addition Financial to see if they could put any pressure on XXXX. The contract that I had said that XXXX would be paid 30 % at signing, 60 % at installation and 10 % on completion. I was told that XXXX had already been paid and that they were not able to help me. I have since had to file a complaint with the XXXX and it has been determined that XXXX XXXX had not only had abandoned the job but that the XXXX  XXXX  that XXXX used to patch my foam roof necessitates replacing my whole roof. I have no panels installed on my roof, after XXXX XXXX years of leaking and now XXXX has gone out of business. And now I read that Sunlight Financial has filed Chapter XXXX. I have been on the phone for hours this week talking to people at Sunlight and Addition and all I have been able to find out is that an account representative has been assigned to my case and that I will be hearing from them shortly. I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have disputed this accounts because it is unknown and also reporting inaccurately. There was no notice of dispute entered on the account showing I have disputed. This is a violation.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
Aspire Mastercard has sent me multiple offers to apply for credit with them and to see if I prequalify, however despite the fact that I am extremely well qualified to take advantage of their products and services, have refused me credit and service multiple times. 

As evidence of my qualification and credit worthiness, I am able to provide credit scores, any and all information listed in conjunction with my personal credit profile, as well as emails and notifications sent by multiple credit reporting agencies which point out, compare, and praise my credit profile for having 1. ) a higher score than the majority of others with similar credit age and profile 2. ) a much lower use of available credit 3. ) a superior payment history, etc. 

I strongly feel that being denied credit by Aspire Mastercard is a perfect and obvious example of illegal and unscrupulous credit discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
To Whom It May Concern, I am filing this complaint against National Credit Systems , Inc. regarding their handling of an alleged debt associated with XXXX XXXX XXXX. This situation concerns account number XXXX, with a series of communications and evidence submissions dating back to XX/XX/2023. 

Summary of the Issue : Initial Dispute and Evidence Submission : On XX/XX/2023, I sent a final notice and reassertion of my debt dispute to National Credit Systems , Inc . This included substantial photographic evidence, sent via certified mail and email, showing violations of our lease agreement by XXXX XXXX XXXX, specifically under Florida Statutes 83.51 ( 1 ) and 83.53 ( 2 ). 

Evidence of Communication : On XX/XX/2023, I forwarded screenshots of the dated dispute letter, the certified mail receipt, and a photograph of the letter being sent. This was to ensure that there was no discrepancy in communication and to serve as an additional documented response. 

Failure to Address Evidence : Despite the clear and documented evidence provided, National Credit Systems , Inc. has failed to adequately address or refute the claims made. Consequently, I have reiterated that unless the agency provides a substantive rebuttal to the evidence, the alleged debt should be considered invalid. 

Demand for XXXX : I have repeatedly demanded that all collection activities, including any reporting to credit bureaus, cease immediately unless National Credit Systems , Inc. can lawfully rebut my claims. A written acknowledgment of the closure of this account has been requested within 15 business days from each communication. 

Given the above details, I believe that National Credit Systems , Inc. 's failure to properly address the provided evidence and to invalidate the debt is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their continued pursuit of this debt, in the absence of a proper rebuttal, not only disregards the evidence but also my rights as a consumer. 

This situation has caused significant stress and inconvenience, and I seek the CFPB 's assistance in resolving this matter fairly, in accordance with federal regulations. 

Thank you for your attention to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 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: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
accts aren mine, i did not open these accts

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 2023-12-18 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: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-12-18 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: NV

Complaint narrative:
I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, XXXX, and TransUnion several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, XXXX, and TransUnion after having submitted multiple written dispute requests in writing to all three national 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 2023-12-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, Equifax, and XXXX several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, Equifax, and XXXX after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am a consumer who reported my account has suspicious activity after visiting a XXXX online store. A day later they told me i was receiving a new card. Now a day later they are telling me my funds are blocked and that i am unable to receive my funds on my other accounts that had no correlation to the unauthorizrd charge. Also the bank manager at m and t in XXXX  is giving me little to no information. I all very concerned about my money and the disspersemenr process and know one is telling me nothing

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 2023-12-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Data Mortgage Inc.
State: GA

Complaint narrative:
I am presently in bankruptcy largely because the mortgage company increased my mortgage by XXXX dollars without giving me a fair chance to replace coverage that was unintentionally dropped during an insurance change. The mortgage company holds a primary mortgage and a secondary loan. The last payment I made was for the primary loan and I informed them that I would pay on thesecondary loan in the following week however, the mortgage company applied XXXX dollars of the XXXX I payed and applied it to the secondary loan and I don't know what they did with the rest, then they added XXXX to an already exagerated amount they say I owe.This is only one incident of manythat I have experienced with this company.The mortgage conpany is Essex Mortgage XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Equifax : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing this letter to address the delinquent accounts listed on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
RE : CFPB Orders Toyota Motor Credit to Pay {$60.00} XXXX for Illegal Lending and Credit Reporting Misconduct.

I am reaching out to CFPB regarding the Illegal Lending and Credit Reporting Misconduct violations committed by Toyota Motor Credit Corporation. I am a victim of the said violations and seek relief by having the inaccurate and derogatory information being furnished to the credit reporting agencies, XXXX, XXXX and XXXX by Toyota Motor Credit which has tarnished my reputation and caused multiple denials from other companies.

Toyota Motor Credit has violated my trust by deceiving me when I entered into a financial agreement with good faith. I found a few violations of my rights as a consumer when I realized multiple frauds on my contract with Toyota Motor Credit that is in breach with legal and ethical standards. Toyota Motor Credit continued to ignore my correspondences for an opportunity to cure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i did not authorize this these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MI

Complaint narrative:
Original Loan for purchase XX/XX/XXXX for XXXX  XXXX XXXX 13.43 % with original maturity date XXXX. During the course of the loan until XXXX XXXX loan extension were granted with those loans extending were added to the end of loan dated XXXX, extending my payment until XXXX all payments we made on time with made all XXXX payments complete. Upon requesting a loan pay off in XXXX of XXXX, I was told I still owed XXXX and need to take a loan modification or car would be repossed on XXXX. Loan modification was signed on XX/XX/XXXX showing a unpaid principal balance of XXXX, these extra XXXX payments on top of my XXXX payments comes to XXXX payments with a purchase price over XXXX new Maturity date is XX/XX/XXXX original amount fenced was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I have recently filled out documentation for an apartment. I was contacted by the realtor who explained to me that their were some rental errors on my report. I was told to contest and remove the things on my report so that I could move forward. I tried to contact Experian Rent to get the information such as account numbers and contact information about the items listed. I as told that they don't have any record of the information. This is impeding me from getting a new place for myself and my children. I have spoken to the realty company and they have no way of attaining the information either. I have submitted a copy of the rental discovery.

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