vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On 2024 XXXX, Bank of America closed my checking account without telling me why they did that. All my money ( around {$25000.00} is in the accounts, and I need to pay tuition and basic daily needs.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX, and XXXX  XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-27 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-08-27 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: IL

Complaint narrative:
My account with ( XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have NOT missed a payment on this loan. Now that I am down to the last few payments, 8 maybe 9 they changed my payment from {$150.00} every other week till XX/XX/year> the last payment being either {$120.00} or {$120.00}. Now they changed the payment to {$170.00} every other week till XX/XX/year> with the last payment being about {$83.00}. While I realize it's basically the same amount of money, the new payment amounts are not what I agreed to, as I have budgeted a certain amount each paycheck. The extra {$40.00} dollars a month they are requesting is nothing more than them trying to make me struggle more. 

When I talked to someone at their XXXX number, all they could say was the payment schedule is for fees and principal. They were not able to explain to me why they changed my payments without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX my Chime account was closed. Chime informed me that I will be receiving a closure check for the remaining funds in my account. I moved to a new apartment and contacted Chime to provide my new address. Chime requested that I upload documentation showing my new address. I uploaded the documentation they requested, and they informed me that my check will be mailed to my new address and will be shipped priority mail with tracking information. 

Nearly XXXX months later, I still do not have my money. I have contacted Chime XXXX  times via phone and email. I was told my check was printed on XX/XX/XXXX, but no further information could be given. I was told that they do not have any tracking information. I contacted Chime again and was told that I had to wait another XXXX business days before they could reissue my check. It has been more than XXXX business days, and I requested a new check be mailed to me again. No response. 

At this point I'm convinced that Chime has no interest in returning MY money and is robbing me. I understand that action was recently taken against Chime for this very thing, intentionally delaying refunds and closure checks. I have not been able to pay rent or my general bills due to this. 

Chime needs to be held accountable for withholding customers money. I want my check NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Porsche Financial Services, Inc.
State: CO

Complaint narrative:
I have received a letter from Porsche Financial Services claiming they have a contract with my for a promissory note associated with a XXXX XXXX XXXX XXXX  VIN XXXX XXXX I have possessed this vehicle since XX/XX/XXXX but I believe the company is mistaken about any claims they have regarding a contract. They are even going so far as to file motions against me in a court of law claiming their right to collect payments or repossess my property without my consent. I am seeking proof of this contract so that I might respond appropriately. 
Answering these XXXX questions should be sufficient to helping me determine if an enforceable contract, that is a contract that documents exchange between XXXX parties, was executed between myself and Porsche Financial Services 1. Porsche Financial Services alleges that they provided me with a certain amount of bank credit as the consideration they provided to secure the contract. I require a full description of this bank credit. The amount they list is {$94000.00} Federal Reserve Notes. 

2. Where did these credits/notes come from? Provide evidence. 

3. What in reality do these credits/notes represent? credits/notes of what? A measurement of gold? An amount of silver? Provide evidence. 

4. Did Porsche Financial Services possess the assets represented by these credits/noted prior to the alleged exchange? Provide evidence. 

5. Were the assets represented by these credits acquired by lawful means? Provide evidence. 

6. If Porsche Financial Services can not provide sufficient lawful answers to these questions pertaining to these bank credits, how is there any proof of consideration made by them? Provide reasoning that is faithful to all mens rights of equal protection under the law without any special privileges. 

7. If there is no proof of consideration, how is there any proof of an exchange between myself and Porsche Financial Services? 

8. If there is no proof of exchange, how is there a contract between myself and the company? 

9. If there is no proof of a contract, doesnt it follow that any claims or entitlements granted by this non-existent and illegitimate contract should be dismissed by law? 

In order for a contract to be valid, there has to be proof that something real was exchanged between XXXX parties. Please provide evidence that demonstrates the nature of bank credit and that this asset existed prior to the contract being signed. Provide evidence that bank credit is not more than fabricated journal entries and represents real assets that can be used as consideration in a contract. If such evidence can not be provided, by law, I request that this company drop all claims of breach of contract against me or prepare to face either the full penalty of the law or the consequences of violating an individuals right to property ( ie his unquestionable right to self-defense )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding their failure to respond to my dispute concerning fraudulent accounts that have been incorrectly reported under my name. 

On XX/XX/year>, I sent Equifax a XXXX dispute letter, requesting the removal of several accounts that do not belong to me. These accounts were falsely attributed to my credit report, and I provided detailed information and documentation to support my claim of fraud. Despite the serious nature of this issue and the clear evidence provided, Equifax has not responded to any of my correspondence. 

As of today, more than XXXX  days have passed since I submitted my initial dispute, yet I have not received any acknowledgment or resolution from Equifax. This lack of response is not only unacceptable but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and respond to disputes in a timely manner. 

I kindly request that the CFPB intervene to ensure that Equifax fulfills its legal obligations to investigate and resolve my dispute promptly. The failure to act on this matter is causing significant distress and potential harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I write again as a severely distressed SoFi consumer, after having previously had my daily check limits lowered to {$1000.00}, then increased to {$150000.00} upon a grievance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  2024. 

You will note my XXXX  when again today, when attempting to deposit a {$6000.00} XXXX deposit check, I note my deposit limits again lowered to {$1000.00} with a - {$500.00} available to deposit today XXXX XXXX, 2024. This matter lends to extreme duress, and gravely impacts my ability to bank online meriting urgent and immediate resolution once again at this level, prior to commencing further complaints with local media XXXX XXXX reporters to aid in said resolution. I am also once again commencing a complaint with the CFPB for ensure that these grievances are all logged to enhance my ability to utilize my online banking with SoFi. 

Kindly contact me urgently to ensure this challenging matters immediate resolution and reinstatement of my daily check deposit limits as noted and advised previously in my Grievance in XXXX, 2024. 

Thank you kindly in advance for your immediate response and assistance in this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: FIRSTBANK
State: CO

Complaint narrative:
My First Bank of XXXX  credit card was fraudulently charged and compromised. FirstBank never notified me of the charge pending, and because it was a credit card I never used, I was not aware to check it for payments and had no notifications set up to receive alerts for it. I received no letters or calls about the balance due from this fraudulent transaction. 
First Bank then reported the balance that was never paid as delinquent not one, but 6 times with the credit card bureaus. They then closed the credit card so I could not dispute the transactions. Now I have 6 delinquent marks on my credit all from one account, which was based on a charge fraudulently made.

I have been a loyal First Bank customer for a decade and held millions of dollars in loans with them and always paid on time. I feel very betrayed by this stab in the back from a bank that was supposed to be local friendly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


TransUnion Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-08-27 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: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, my loan applications are being turned down because of inaccuracies in my credit history. Despite meeting all my financial responsibilities, these errors have hindered my ability to obtain loans and have been incredibly frustrating.

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 2024-08-27 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: GA

Complaint narrative:
My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief