vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX of this year, I called up and discussed a direct deposit promotion with a customer agent. He told me that I had to repay a prior direct deposit promotion before I received a new one or I would start getting charged interest. I moved a lot of money around and got prepayments from clients and paid most of it that day and the rest the next morning ( which was the same day I received the direct deposit ). He had told me that this would be fine to avoid interest. 

I noticed today that I was charged interest on my current statement ( {$81.00} ) and most recent statement ( {$55.00}, for a total of {$130.00} ). I called in and spoke to someone who said that it was about a grace period not applying unless I paid off the entire balance, which entirely defeats the point of a promotional balance. I asked to speak to a supervisor ( someone named XXXX XXXX. She clarified that it was in fact because I had failed to pay off the pre-existing promotional balance. I told her that I did and she noted that it the same day payment issue but she wasn't sure " how it was allocated. '' Then she told me that her system was down and couldn't get the details so she couldn't do anything so I should call back later. I told her that I wasn't sure I believed her. 

I called back later and spoke to another frontline associate who told me the same story the first one did ( which had been confirmed to be incorrect by the previous supervisor ) and that there nothing I could do. I asked to speak to a supervisor and he refused. I insisted, then he put me on hold and made me wait 30 minutes, then came back and told me a supervisor was unavailable and I could request an email in two days. I told him I would file a complaint and hung up, so here we are.

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 2023-05-22 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " XXXX XXXX '' " Exeter Finiance LLC '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I've recently checked my 3 credit reports and the negative information found is not accurate.I have disputed these items. But without accurate and fair resolution. The items on my report in question are from " Capitol One '' " XXXX XXXX XXXX '' " XXXX '' " XXXX XXXX XXXX '' 15 U.S.C 1681 section 602 A. Rights to Privacy 15 U.S.C 1681 section 604 A. Consumer Reporting Agency can not furnish reports without my consent.

15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting and ( b ) Reasonable procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely 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 non-monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I am pleading with you to remove this from my credit report as it is not mine and is entirely 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 2023-05-22 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: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
A notice was recently sent to this company for multiple FCRA violations. The company responded that all information has been verified and that there are no inaccuracies to report while providing no proof of their findings. 

I have attached a copy of a report from the CRA 's showing at least 5 areas where the information is inaccurate. This is the bare minimum of violations this company has committed. According to law, all credit reporting agencies must show the same information and all info should match across the board. It is the responsibility of the furnisher to be sure all information is the same, otherwise ANY difference is considered an inaccuracy and the entire report must be removed. 

The inaccurate information has caused harm and damage to my ability to get housing, transportation, work and credit in order to establish a comfortable way of life. This is in direct violation of law as it is harmful and abusive. 

I have never received any notice from this organization stating my ability by law to opt out of anything. I have attached an opt out notice, that states, I am opting out of any and all authorization, I the consumer, may have given Santander Consumer USA written, unwritten, verbal and non verbal per 15 USC 6802 and 12 CFR 1016. This opt out notice INCLUDES ALL CRAs. 

This is my last effort to reach out to this organization to provide remedy for the harm and damaged caused for the laws that they are continuously violating. Remove this account from my credit report, provide remedy for your inaccuracies or Im left with no other option than to file a FTC fraud report, audit this consumer account and take legal action in federal court for the violation of laws and securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Accounts showing charge off but I have received a1099cs so that means it should not be reporting on my report as a charge off if one has to claim it as personal income on ones taxes the account is also over 7 years old.Experian is the worst agency ever placing things on my account that are not authorized like fraud alerts if it is not removed immediately the next step would be litigation the gaps in reporting on payment data just shows a dash their reporting practices and methods are very unprofessional nothing ever gets resolved contacting them so the complaint will not only go to cfpb also the attorney general and tigta as well.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a credit card account with Bank of America and paid off my balance on it. Unfortunately my card got hit with fraud and suspicious charges that I had nothing to do with. When I called Bank of America customer support they were not helpful and gave me the run around by transferring me to different teams. They were rude, and put my on hold for hours. They did not help me understand why there were extra charges on my credit card in addition to the fraud activity. The customer support team just kept transferring me and at one point hung up on me. Very rude and unacceptable behavior!

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 2023-05-22 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: IL

Complaint narrative:
I recently viewed my credit report and found that, they are numerous accounts ; that were not authorized by me. This is affecting me, in buy my first house for my family.

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 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
I had a due date on XX/XX/XXXX. I logged on to the American First Finance Website on that date, and it showed that my next payment was not due until XX/XX/XXXX. 

I then received a call on Monday, XX/XX/XXXX, advising me that I was past due. I advised of the issue with the website, and the representative told me that the website shows the next due date if the payment is not paid before the due date. I advised this was confusing but the representative stated this is the way the system works and can not be changed. Following this, I advised that I would make a payment on their website, and finished the call. 

The same day and within the next 7 days, American First Finance has been contacting me in violation of the FDCPA. I had some unexpected medical expenses come up and could not make the payment until this week. The company has continually called in violation of the FDCPA, as they can not call me within 7 days after speaking with me. On the first subsequent call, I advised the rep of this, and he stated that they will continue to call until the payment has been made. I have received 13 calls in violation of FDCPA, because I last spoke with a representative on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hauge Associates, Inc.
State: CO

Complaint narrative:
To Whom It May Concern : I was notified by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CO XXXX on XX/XX/2022 that account number XXXX when into collections with a company named XXXX XXXX XXXX regarding an alleged debt. I have reason to believe I do not own this debt, because of the events that lead-up to the debt. Due to the mishandling, inputting of wrong information and losing my paperwork by the employee that worked for the Social Security office at XXXX XXXX XXXX XXXX XXXX XXXX, CO by ( XXXX XXXX ). XXXX XXXX, another employee that works at the same office, informed me that XXXX had input my information wrong and lost my documentation ( Request for Employment Information, Application for Enrollment in Medicare Part B ). XXXX XXXX no longer works at the Social Security office in XXXX, CO. I have been without my Medicare Part B for eight months. Due to the negligence of the employee at the Social Security office. I have reason to believe I do not own this debt or any debts, because of not having my Medicare Part B. Due to the mishandling of my documentation by the Social Security office, I must refile my paper work and this is going to take more time. I request all the following information be provided to me by mail. The amount of the debt. The full name and mailing adderss of the original creditor for the debt. Documentation showing you have verified that I am responsible for the debt. Documentation showing you are licensed to collect debts in Colorado. If you continue attempting to collect on this debt or seek judgment for payment of debt without written versification you will be in violation of the Fair debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by the state law of Colorado.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
Sir or Ma'am : In XXXX of 2022, we had a scheduled transaction series canceled without warning or explanation. This was set up to go from my personal account to our joint account. It has been doing this for years. Importantly, USAA says that ONLY the customer can cancel a transfer. They offer no explanation as to how this happened. 

We restarted the series. It did not go well. Somehow, starting the series results in a magical counter series. From XXXX to XXXX, {$2000.00} went into the joint account and then {$2000.00} came right back out. In each instance, we canceled the errant series and confirmed that it was canceled in the system ( i.e. not showing as pending transfers ). The next month it would pop back up. 

We contacted USAA after canceling the errant series the fourth time and USAA confirmed the problem. It was canceled on the consumer side but not on their side. Well, that is the problem. To date, many months later, USAA still can not confirm that the series undoing our actual recurring transfer is ended. It's impossible. 

In the last instance, this caused an overdraft. That incurred fees we would like refunded, particularly after USAA confirmed that canceling the errant series on our end was indeed NOT working. 

Instead of doing so, USAA has resorted to petty gaslighting and outright mendacity. 

According to USAA, for three months in a row, we set up the transfer we wanted and then immediately undid the transfer. Apparently, we are so unmoored from reality, that on the third instance, we did it and DELIBERATELY caused an overdraft on our own accounts. Worse, when reporting this, we were apparently trying to make sure it happened a fourth time rather than have the problem with the uncancelable transfer stopped. 

No amount of communication appears to have any effect whatsoever. 

Customers are apparently just moving money to an account for a day and then taking it back out for no other reason that to be mean to the bank. These guys are absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX i submitted a dispute with Equifax for an account that has incomplete information on my report. On XX/XX/XXXX Equifax completed the dispute investigation and determined that the account was valid and showing correct information, however this account is still showing incomplete info. 

XXXX XXXX XXXX XXXX - This account is inaccurate and incomplete, please see attached docs, please see Inaccuracies below. 

This account has a " Last Payment Made '' date of XX/XX/XXXX but the payment history is incomplete, how can you have a last payment made date but don't have any payment history. This account is incomplete please remove. 

This account Payment History is incomplete According to the Fair Credit Reporting Act ( FCRA ) in Section 606 Disclosure of investigation ( 1681d ) Section 607 Compliance Procedures ( 1681e ), Section 609 Disclosure to Consumer ( 1681g ), Section 611 Procedures in case of dispute accuracy ( 1681i ), and Section 623 Responsibilities of Furnisher of information to consumer ( 1681s-3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: GA

Complaint narrative:
I want to file this please as my formal complaint to EXPERIAN for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.

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 2023-05-22 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: NY

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 Account Number : XXXX XXXX OF 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 2023-05-22 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: NY

Complaint narrative:
XXXX  account was never late, posted as on time for XXXX and went back to late but it never was

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 2023-05-22 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal is arbitrarily and capriciously deciding to hold our law firm client retainer fees up to 21 days or more for no reason other than to harass, make money off of us, while we dont get paid and the clients dont get their contracted for legal representation. This greed makes life much harder in a tough inflationary economy for us and our clients. Please investigate and advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than 60days have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation