vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Phoenix Financial Services LLC
State: ME

Complaint narrative:
I was billed a hospital bill fromXXXX wasnt my bill made police report now it reopened again

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I received a voicemail from a XXXX XXXX with Admin Recovery that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at XXXX XXXX was a result of identity theft, and that evidence of that was already provided to XXXX XXXX 
I also explained that since XXXX XXXX had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.

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 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
I received an email from Chime stating they decided to close my account, the reason they gave was a violation of the direct deposit policy. I only had one deposit. 
When I attempted to call, their phone system recognized my number, told me my account was closed and I had to email them. 

They have been extremely evasive and dodgy. Not replying to email and not answering questions Meanwhile, My money is in limbo and I can not access this. Like lots of people I live paycheck to paycheck and I can not afford to have hundreds of dollars held from me on a whim

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: LoanCare, LLC
State: AZ

Complaint narrative:
I feel that loan care has mis-reported my payments. 

I have paid every 30 days so if there was a late payment, there would never have been a time that there was a payment more than 30 days late. 

Also when the make up payment was received in XX/XX/2020, there were no instructions to apply to principal - and if that were a standard, then why wouldn't every underpayment have been applied to principal. 

There was never a late notice or phone call on this account, but there are notices on my other loan care 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 2021-08-10 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: CA

Complaint narrative:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
Hey on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 40 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 35 days gives a reason to immediately remove those items from my credit report it has been over 40 pluds days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections in my 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 non-monetary relief
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ 400 Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : NOT MINE

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 2021-08-10 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance is misreporting the balance and status of a charge-off auto to XXXX  and XXXX. The account has been settled for less than the full balance, and is reporting to XXXX  correctly with a {$0.00} balance owed, and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
MY account was over drafted due to an unauthorized payment. I contacted the bank and the bank the overdraft fee of {$36.00}. However, the bank refused t reverse the OD overdraft daily fee on the the original {$36.00} overdraft fee, which makes no sense. 
The bank charged me heft fees of {$7.00} a day totaling to {$77.00} or so, I have a copy of my a printout of my statement that was printer by the Personal Banker of BMO showing the refund of the original {$36.00} OD fee.

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 2021-08-10 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: OH

Complaint narrative:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
" FINANCIAL CREDIT NETWORK '' HAS FAILED TO RESPOND TO MY DEBT VALIDATION REQUEST THAT I MAILED ON ON XX/XX/10. IT HAS SURPASSED 30 DAYS WITHOUT ANY WRITTEN RESPONSE. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION FORM I PHYSCIALLY MAILED. FINANCIAL CREDIT NETWORK IS IN VIOLATION OF THE FCRA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY FROM MY CREDIT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Cards Acct # ending in XXXX XXXX This is in response to Citibanks final letter of XX/XX/2021 regarding denying our cancelation of the charge to Connected Investors in the amount of {$480.00} due to allegedly having no proof of cancellation. Please note there is another charge in the amount of {$1400.00} # XXXX for total charges of {$1900.00}. I have made several efforts to appeal Citibanks denial of my claim. 

I, XXXX XXXX, canceled an online course on XX/XX/2021 by telephone and on the merchants website. The merchant is claiming that I did not cancel my purchase. It must be pointed out and understood that the Merchant is being dishonest because proof of cancellation is in the possession of the Merchant. The Merchant unethically and intentionally makes it virtually impossible for the customer to prove cancelation. The Merchant is almost impossible to get a hold of and written messages go through their website so I can not have a copy of an email showing cancelation. I called the Merchant by phone to cancel. The record of that call is in the possession of the Merchant, not me. All electronic communications went through the Merchants website so I do not have a copy of an email to present. The Merchant has that. 

It is absolutely untrue that I never did contact the merchant to cancel my order. The Merchant was contacted and the order was canceled on XX/XX/2021. This was done by phone and other communications were online. 

The Merchant should not profit from their false statement. The order was canceled on XX/XX/2021 and I never logged in or used the service. 

This was an online class that was canceled. There is no product or service that was unjustly received or used. In any event, I was ill with XXXX XXXX  and could not have used the service. The merchant has lost nothing. I have lost {$1900.00}. I am the only one facing a loss here. 


Thank you, XXXX XXXX Acct 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 2021-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2021, I refinanced my vehicle with Capital One. When this happened, they ask me to sign a limited power of attorney so that they could be placed on my title as lienholder. This was completed and verified by Capital One as being completed on XX/XX/2021. According to the previous lienholder the title was sent to Capital One in XXXX as well. On XX/XX/2021, I purchased a new vehicle and got an offer from XXXX to purchase my vehicle that is with Capital One. I went to XXXX on XX/XX/2021 to redeem my offer on my vehicle and was advised that Capital One was not listed on my title as lienholder and that I needed to contact them to fix the situation in order for XXXX to purchase the vehicle. I called Capital One and was advised that they received all the necessary documents in XXXX, however had not sent the documents to the XXXX to be placed on the title as lienholder. I asked why this hadn't happened yet and that the vehicle is being sold and that I had a new vehicle and needed to sell this vehicle and was advised that " they have just been so busy and will be able to send the paperwork to the XXXX on XX/XX/2021 and will be able to track the paperwork with a tracking number once it is sent. I explained the situation and asked if there was anyway to expedite the process. The gentleman laughed and stated that was not possible. Then was quoted that this process takes 35 days roughly to complete and wont even start until XX/XX/2021 when they are able to send out the paperwork. I am now stuck with 2 vehicle payments, 2 insurance premiums and I can not do anything until this process is completed some ( hopefully ) 2 months from now. It can not be possible that people can conduct business like this. This is ridiculous. I have also written a letter to them and have yet to get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021 I was released from a XXXX XXXX  due to complications from XXXX XXXX that had me XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. I have XXXX XXXX XXXX XXXX XXXX XXXX from having a mild XXXX while in my XXXX. I wasn't able to make payments on the {$2600.00} XXXX loan was I approved for on XX/XX/2021. Monday, I was alerted by XXXX  that Affirm is reporting a 60 day late on my credit file. I have been able to reach all my creditors who have agreed to reverse the 60 day lates due to my illness due to XXXX XXXX I emailed Affirm stating my circumstances for missing my loan payments and haven't received a reply. I have called Affirm and was told a supervisor would call me within 24 hours. A call has never come and an Affirm rep called me today to collect a payment. I informed him that I was awaiting for a call from a supervisor and once again stated my circumstances. The Affirm rep said he saw the notes and expect a call from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: FL

Complaint narrative:
on XXXX i sent this credit bureau a dispute letter concerning the validity of accounts that were inaccurately reported on my credit report. To this date they failed to validate the dispute accounts. the disputed accounts are invalidated and inaccurate, if they cant prove me or show me a method of verification, these accounts need to be removed off my credit immediately. I am very stressed about the situation and i take my credit very seriously. this is a defamation of character and i want them to take action now by simply delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX I received a voicemail from a XXXX XXXX with XXXX XXXX that they were trying to collect on a debt. 
I returned the call on XX/XX/XXXX and explained to XXXX XXXX that the account at TD Bank was a result of identity theft, and that evidence of that was already provided to TD Bank. 
I also explained that since TD Bank had not removed it I had filed a CFPB complaint against them. 

On XX/XX/XXXX XXXX XXXX called my ex-daughter in law in Virginia, saying they are trying to get contact information for me, when in fact XXXX had already spoken with me. 

I don't know if or whom else that may have been speaking with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WINNPOINTE CORPORATION
State: CA

Complaint narrative:
While researching mortgage rates, I came across this advertisement that was misleading and deceptive. I've attached a picture of the ad to this complaint. I was ready to apply for the 1.5 % rate until I learned that the APR is 1.915 % when you see the small print. I understand federal law requires a mortgage lender to advertise the APR rate at the same font size of the rate and as you can see, the APR is much smaller. This is a deceptive practice and a violation of federal law. I've decided to take my business elsewhere. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the XXXX  data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal

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 2021-08-10 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:
I recently pulled. copy of my report and noticed several inaccurate and erroneous items being reported. It caused me to do some additional digging and I noticed my information has been compromised in the Equifax data breach. Now more than ever I believe my information has got into the wrong hands. I have sent several messages to each bureau with no response. I also saw it is illegal to report inaccurate items per 15 usc 1692. Please assist in prompt removal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: TX

Complaint narrative:
On XXXX XX/XX/2021 there were 5 XXXX charges applied to my Bank of America Prefered Credit Card, all on the same day in the amounts of US {$1.00}, {$41.00}, {$42.00}, {$42.00}, {$43.00}. When I noticed this charges on my online statement I notified BoA on XXXX XX/XX/2021 that they were fraudulent. 
Bank of America confirmed that 3 of these transactions were fraudulent and issued me a letter on XX/XX/XXXX stating that the vendor had confirmed 'delivery to my address ' and denied the claim for charges of US {$43.00} and US {$41.00}. I requested details of the charges, shipping and account ID from BoA 's fraud team and further review ; with the fraud team member conceding that it was strange that 3 of the 5 charges had been confirmed as fraudulent. 
I have now received an additional letter dated XXXX XX/XX/2021 which reconfirms BoA 's position that the US {$84.00} are legitimate charges and that they were reporting the dispute to the credit bureau. 
I have again called BoA 's fraud team to request the full proof of purchase and to also confirm the length of time the applicable XXXX  account had been registered to the address that the orders were shipped to. 
I have indicated to BoA that none of these purchases are mine and I've sought any information they may be able to provide to support their position that they believe the charges are legitimate.

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 2021-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened a credit card account with BBVA on XX/XX/XXXX. ( see open1.png & open2.png ) On the terms of account opening, it is stated that annual fee is " {$0.00} for the first year your account is open ''. ( see Application Terms.pdf ) I attempted to close the account on XX/XX/XXXX, yet the annual fee is already posted on my account on XX/XX/XXXX, during the statement cycle of XX/XX/XXXX. ( see fee1.png and Statement.pdf ) BBVA won't let me close the account without paying the annual fee that is charged before the one year anniversary at XX/XX/XXXX.

Company response to consumer: Closed with explanation