vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 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: TX

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I was divorced and had to place my car in bankruptcy, I didn't want to lose it. Covid-19 hit us and during that time the trustee for bankruptcy was sick and then passed away. The temporary trustee asked that I pay a lump sum of $ XXXX in XXXX, I could not. I then got cleared of bankruptcy and called Santander in XX/XX/XXXX to work out a settlement, in which they did and it was reasonable. I also asked if they could lower my monthly bc I was struggling with the {$490.00} that was issued to me in the settlement, Santander declined to lessen my monthly payments. I was then furloughed by my former job by 10 hours in XX/XX/XXXX. I constantly called Santander and told them I was struggling and asked to lower my monthly again but to no avail. 
I made less payments bc I could not pay with less pay, food prices soared, gasoline went up, all utilities did as well and my rent increased as well. 
I got an interview with my current employer, another bus company. 
I gave my former employer 2 weeks notice and he held my checks. I had no money for rent, car, food, gasoline and I had been working at another job but had to wait 2 extra weeks for pay, so 4 weeks without pay at that time. 
I was constantly calling Santander and told them I would be making larger payment XX/XX/XXXX when I have pay day. They repossessed my car XX/XX/XXXX. Santander did not warn me, did not submit a letter of repossession, Santander was cold and deceptive in not being honest about my car being fine until the following Friday which was my full pay day. Very unfortunate of this loan company for hard working people like myself, who deserve a second chance and patience knowing the situations at hand. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I tried to deposit {$480.00} at the XXXX XXXX XXXX XXXX ATM using my Huntington Bank debit card. There was an error with the ATM machine and it didn't register my cash deposit or return my cash. I immediately contacted Huntington Bank and they said they would investigate. They did not credit my account the {$480.00} and it has been 56 days. I have not received any communication beyond the communication received about the initial investigation. I contacted Huntington Bank 2 more times and they said they were waiting on XXXX XXXX to send them a check. I contacted XXXX XXXX XXXX XXXX and they claimed to never have received a request from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Acceptance Corporation
State: MO

Complaint narrative:
File # XXXX, World Finance XXXX I have written and requested proof of this debt and nothing has been provided, this was done several times over 1 year ago, 6 months ago, 3 months ago. It is illegal to keep reporting this debt on my credit report and not provide the appropriate information. I want this removed from all credit reports XXXX, XXXX, XXXX. I will be checking my credit reports and also any secondary reporting that has been made. I have given more then enough time to have them resolve it but it is effecting my ability to do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27 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: MN

Complaint narrative:
Someone named XXXX XXXX opened up 2 accounts for furniture at XXXX XXXX XXXX XXXX.She lives at XXXX XXXX XXXX XXXX XXXXXXXX in XXXX XXXX Mn.When her accounts and address showed up on my credit report, I filed a fraud report with the police.Detective XXXX XXXX with the XXXXXXXX XXXX XXXX Police Department investigated and found it was not fraud.She in fact used her own social security number on her application for the furnitureXXXXDetective XXXX concluded that the credit bureaus made a mistake.I am XXXX XXXX in XXXX XXXX and I have lived in my home since 2008 and I own it! The furniture accounts were opened on XXXXall of this information was given to experion and they refuse to remove it off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: TN

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greenberg, Grant & Richards Inc.
State: VA

Complaint narrative:
XXXX XXXX of Greenberg , Grant & Richards Inc. contacted my family members ( specifically my father ) and provided information regarding the amount of the debt. I had previously told her to not contact my family member and she is still harassing them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
To whom this may concern I am tired of the debt on my credit profile ESPECIALLY since this debt is not mine. Ive been trying to deal with this debt for over 2 years now its becoming a problem. I noticed this debt around XX/XX/ and I took action immediately. Ive asked this company to show me proof of this debt and they did not follow through. This debt does not belong to me and I need this deleted ASAP! I also want the original contract and a copy of my wet signature. If this does not get deleted I will take legal action. I never had sprint and you have to delete this account.

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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023, I contacted BofA to file a claim for two transactions in the same amount for {$190.00} for the same merchant because the merchant tricked me after I made a purchase and I immediately requested a refund because I felt as though they had scammed me. I explained that to my bank and the claims process began. The bank issued a temporary credit for one of the transactions but not the other and I didnt understand why and I filed a complaint with the CFPB on XX/XX/2023. BofA finally concluded both claims and paid one of the claims and denied the other and I called them for an explanation on XX/XX/2023 and spoke with XXXX. XXXX told me that BofA received documentation from the merchant and that based on that documentation, both claims should have been approved and that she was going to re-submit the second claim for reconsideration and ask that it be expedited and she stated that it was a bank error but that it could take up to 45 days. I asked her why would it take so long given that the bank already received the documentation from the merchant to approve the claim and that she acknowledged that it was a bank error and she said that they could approve it faster. I asked her who she was referring to when she said they and she stated that she was referring to the research department at BofA. I asked her if the call was being recorded and she said yes and I advised her that I planned to file another complaint because I didnt believe that this was fair to me as the customer. 

***Footnote***I have another open complaint ( XXXX ) with the CFPB regarding the original claim and it has yet to be resolved even though BofA has stated that both claims have been resolved and I have yet to receive any written correspondence.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing in regards to my Bank of America account, I have made all my payments on time upon making my last payment which bought my account down to XXXX. I was then billed for interest which I was under the impression that my account was a XXXX balance and therefore didn't even check on my account. When I was put on notice that the account is past due I paid it right away.

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 2023-04-27 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: NY

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NY

Complaint narrative:
I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
We already complained that AMEX had put us on the pay-over-time option on the card against our will. They have been charging interest on the pay-over-time portion of the monthly charges even though we pay in full each time. We had to go online and opt out of the pay-over-time feature, which was done in XXXX. I just received my XXXX bill and they are charging {$1.00} in interest for the pay-over-time option which I have opted OUT of. Their answer for the last complaint was that since I opted out, nothing further was needed. Which is not okay b/c they have taken money from me for this pay over time option which I do not use. Now, my statement shows a {$5000.00} pay-over-time limit, which should not be there since I have opted out and they are charging interest of {$1.00} for nothing! They should be prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to appropriate account informations. Its been more than 10 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report. "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: Credit Karma, LLC
State: FL

Complaint narrative:
I did a credit check using XXXX yesterday after I found out someone was attempting to fraudulently open a credit card in my name without my authorization, and when I did so I found that Credit Karma has being doing multiple soft inquires multiple times a month on a random basis for at least the last two years. According to XXXX there have been XXXX recent soft inquires which are done every few days. 
I have never subscribed to Credit Karmas service, nor does my Bank or my bank issued credit card XXXX XXXX  XXXX XXXX ) utilize Credit Karma, I do not have a loans nor has there been any reason for a credit check ; therefore, it is unclear why credit Karma would be doing a soft inquiry on my account and why there has a perpetual litany of checks. 
I have reported this issue to XXXX and the Federal Trade commission ( IdentityTheft.gov ) because its unclear if this represents a Credit Karma security breach or exactly what is going on because there is no method to contact a human at credit karma via phone and they fail to answer emails ( sent emails to XXXX, XXXX, XXXX, XXXX, and through website via XXXX even though I am not a member ) Below is a list of the most recent soft inquires Credit Karma has performed : CREDIT KARMA Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit Karma XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX I would like these soft inquiries to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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:
In Accordance with the Fair Credit Reporting Act. The lists of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

INQUIRY NAMES : XXXX  XXXX XXXX -XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I thought I was talking to Vanillagift.com, but it was a scam to sign me up with their company called XXXX, Savings now and later and Moinitor Protect ID, they took my card number, name, email, address, phone and birthday all the while saying they were going to help me with my vanilla gift card. I found this phone number online after seaching for check your balance on vanillagift.com. It was not the card company, it was a scam. They also said they were going to charge me XXXX for their services for these 3 companies. 
Twice i got disconnected and had to call back, the third time the women who answered the phone said she could help me with my XXXX, which I do not have, so that was fishy too. After I hung up with them and actually talked to vanillagift, there were charges at a dry cleaners in XXXX XXXX California and I live in Illinois. So my card has now been blocked I have to wait for charges to be reversed and get a replacement card from vanilla. 

The company that claims it is XXXX XXXX XXXX XXXX now and later XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly States that 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.

15 U.S.C 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.

Remove these late payment and update this account immediately as you are in direct violation of serval laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX ) ( Account number 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 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation