vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I open a account with XXXX dollars in XXXX at Bank of America which the closed the same day I opened it never gave me a reason why they closed the account they just told me they sent out the check but I have yet to receive the check and we are in XXXX going to XXXX i have called 7or 8 times since XXXX all they keep telling me is to call back the next day

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
On XXXX XXXX 2024, I called Best Egg Credit Card to inform them that I had lost my job and was going to be unable to pay. I asked the representative if she could refund the XXXX dollar late fee. She stated she could not do so because I had been refunded a fee in XXXX. I asked the representative if I would be able to make a partial payment as I was only 30 days past due, to avoid being reported as late on my credit report. She stated that would not be possible, and I would still be reported even if I paid the full amount. I then called again later that day to speak to a Supervisor, who stated he would refund the XXXX dollars. I called the next day, as the refund did not process. I asked to speak to the supervisor who promised me the refund. He refused to come to the phone, but told the rep to inform me that my request was denied. I then called several times after that to plead with them to lower my monthly payment or work with me in some other way. They are extremely rude and refuse to compromise on their usurious policies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-21 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: NC

Complaint narrative:
According to 605B, this account needs to be removed quickly. I'm angry that it's on my credit record, even though it's not mine. Its presence has upset me, and I feel unwell about the situation. I want it gone, and my credit report corrected.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I didn't furnished any of these accounts or any inquiries to be on my credit report I didn't establish any new credit with any of these companies that are pull my credit profile without my permission.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Both XXXX and XXXX showing there is no 30 days late for XXXX 2024 credit report but showing 30 days late on my Experian report for XXXX 2024. 30 days late was proven error on XXXX and XXXX and it was corrected but XXXX is telling me to deal with it for my Experian report. XXXX reports to all 3 credit bureaus on monthly basis since the beginning of the loan.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
It has come to my attention that your financial institution is reporting information to XXXX XXXX XXXX without my knowledge or authorization.

According to 12 CFR 1016.1, you are required to provide notice to customers about the privacy policy and practices. I never received such notices upon signing up for an account. Per 12 CFR 1016.4 you are required to provide a clear and conspicuous notice that accurately reflects your privacy policies to a consumer BEFORE you disclose any nonpublic information about me to any non-affiliated third party. XXXX XXXX XXXX is not an affiliated party pursuant to your privacy policies listed on your website.

According to 15 US 6802, " a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third-party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ''. I was not provided any such notice prior to you disclosing this information nor was I told how to exercise the non-disclosure of my nonpublic information which is a violation of this law. Additionally, it is a violation of the Privacy Act of 1974 to furnish financial transactions. 

This is my second formal demand to opt out. You must comply with my right to opt out. Please note my right to opt out is indefinite unless you receive written communication from me stating otherwise. I am demanding you cease reporting to XXXX XXXX XXXX and instruct them to delete the entry from my consumer report. 

If you choose not to comply, I will be forced to not only report you to regulatory entities, I will also be taking necessary legal action.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked the creditors to fix the problem never heard back from them yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am requesting a temporarily BLOCK of the following account because its inaccurate, Wrong, Scamming consumers, Didnt respond correctly to the issue and 10 times they violated the FCRA sections. This account is hurting and violating a comfort of my life which is my CONSTITUTIONAL right. Is there anyone or any business can do whatever they want? If yes than Ill do whatever I want and nobody can tell me that I didnt follow US law. If this time this account still in my credit report and didnt make any changes I will violate the law like this company is doing and no one can stop me for anything. If XXXX  and CFPB are Government organizations and they handle all businesses across the United States, they have to take this meter seriously and block them for future reporting. Last action and If I receive letters from bureaus which contains ACCOUNT IS VERIFIED AND ACCURATE, dont be surprised that I will do same violation. 

CFPB PLEASE HANDLE IT I HAVE NO XXXX  AND I ALMOST BECOMING 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 2024-02-20 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 made numerous attempts on investigations on this matter this company refuse to do there job blaming each other for inaccurate information on my credit file. I applied for A NEW credit card only to get denied into i verify my identity thought experian because experian have another person information on my credit file which is destroying my life. 
I attached all my documention I ask for my name correction they did a dispute i submitted then to reinsert it back on my credit file. Please hold these company accountable I submitted ALL the proof I need to fix this situation and it still not fix Experian even went as far as not inserting my credit card thats in my name on my credit file and removing my score ALL TOGETHER FROM INFORMATION XXXX IS PROVING.

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 2024-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2022, I was on the chat with a customer service representative, about a payment. I wanted to close my account and he said that if I paid it in full that I would avoid interest charges. I paid in full in the amount of {$590.00} and closed the account. However a smaller amount was credited to my account and the company said I still owed more. I disputed this with a supervisor named XXXX and he said he would take care of it and the amount would be gone and back to {$0.00}. The same thing happened and only a smaller amount was credited to my account again. I disputed it and the same thing. Meanwhile I have been accruing interest charges and late fees. When I tried to dispute this again I was told it would be looked into. I then get a letter from a debt collection agency. I called Synchrony Bank again to dispute. Conveniently ever since it went to a collection agency, Synchrony Bank can not find a whole lot of information regarding my account. A letter came to me in the mail saying they need more information about the payment I made which I sent a bank statement. Another letter came in the mail saying they could not locate the payment based on information I provided which is why I am filing a complaint. I have been dealing with them for too long with no results. One of the statements attached will show that only a part of my original payment was credited and not the full amount. The other statements show past due amounts and interest fees that were accrued since said payment. I also included the bank statement that I sent to them showing that I paid in full.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked the creditors to fix the problem never heard back from them yet

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I asked the creditors to fix the problem never heard back from them yet

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 2024-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank which manages my Lowe 's store credit card has arbitrarily forced customers to go paperless for billing and if a customer does not they will charge a {$1.00} fee a month to receive paper bills. I fell like this is unfair to those of us that use paper statements to do our home budget. There is no appeal process or way to be " grandfathered '' in to receiving paper statements. This is not right and I feel unfair to the consumer. Is this illegal? Can they do this?

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As a federally protected consumer, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Transunion is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services with XXXX XXXX XXXX XXXX XXXX '' I have multiple complaints filed and this is now considered willful violation of my Rights! 

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I did an over the phone balance transfer with a manager on XX/XX/XXXX after receiving a letter in the mail with a 0 % interest balance transfer promo code ( XXXX is the promo code ). The manager told me that I was eligible for a 0 % interest rate for 12 months which is better than the 9 months on the letter so I said ok, to proceed. On XX/XX/XXXX I received notice that a statement was available. The statement had an interest charge of {$10.00} so I called BMO and spoke with XXXX. She said she would escalate this problem to be fixed and told me it would be fixed in 2 business days. On XX/XX/XXXX, I called them and spoke with XXXX. She stated the manager told her they are still working on it but they know it's a mistake on their end and that it wasn't something she could fix, it was sent to the back office. On XX/XX/XXXX, I called and spoke to XXXX and requested a call back from a supervisor. I never received any calls from anyone. On XXXX I called and spoke with XXXX  who transferred me to XXXX, a supervisor. XXXX told me it was sent to the back office and would be fixed within 2 weeks, before the next statement cut. She stated that they know the problem is on their end and the manager who did the balance transfer entered the wrong code and that she was aware that he received coaching regarding it. Today, XX/XX/XXXX, I received another statement with yet another interest charge of {$140.00} so I called BMO. I spoke with XXXX, XXXX ( I think, couldn't really understand him when he said his name ). He told me all he could do was ask the help line. His manager told him to report it to the help line again. I really feel like they are just giving me the runaround because nobody ever returns my calls and the problem still hasn't been corrected after a full month and now 2 statements with interest charges on them.

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 2024-02-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX account number : XXXX has violated my rights. 
15 USC section 602 A states i have a right to privacy.

and according to 15 USC 1681 e b they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to insure MAXIMUM possible accuracy of the information concerning the individual about whom the report relates.

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 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Aspen Yo LLC
State: FL

Complaint narrative:
I have been trying to obtain a short sale approval with the lender through its servicer GREGORY FUNDING, the file was sent to the same person XXXX XXXX 4 times ; however, this individual called us in order to request the removal of our realtor for the deal or else the servicer and lender will not approve the short sale ; the realtor never spoke with her before, XXXX XXXX spoke with the realtor 's processor ; XXXX XXXX does not like the realtor 's processor, and she is refusing to work with her, so she called my ex-wife ( " the borrower '' ) twice already in order to request for her to be removed as realtor from the short sale, and the realtor represents the seller and the buyer in this short sale. I believe that is unfair and illegal that this person requested this ; moreover, this is even worse that they DENIED the short sale because of this. The Servicer Gregory Funding made us wait hours before they answered the phone, and if you leave messages to XXXX XXXX, she will never call back. 
There is nothing else to do in the short sale, the counter offer was sent to them, and they did not provide the appraisal results to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DE

Complaint narrative:
This company Jefferson Capital systems does not have written permission by me to furnish this on my customer report. 

I do not owe this alleged debt. I'm requesting Jefferson Capital allow me to verify that I owe this alleged that send me a signed agreement with my signature stating I owe this alleged that send me a flow/purchase agreement of this alleged that with the original creditor. 

Please see attachments below

Company response to consumer: Closed with explanation