vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX date reported to Experian credit reporting XX/XX/XXXX. 
I filed a dispute according to the law it states that any related medical debt under {$500.00} not be reported to any credit monitoring company. The total amount reported by above said company is {$250.00} Experian blindly ignored this law that took affect XX/XX/XXXX that I pointed out and also was inacted XXXX. Above said company reported it in XXXX. After I filed a dispute and pointed this law out XXXX choose to ignore it which is now hindering my credit score.

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 2023-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FMA Alliance, Ltd.
State: MS

Complaint narrative:
Letter sent XX/XX/2023 saying owed a debt that wasn't mine. Keeps calling me at XXXX and sending lettersto my address XXXX XXXX XXXX XXXX, Mississippi XXXX. The debt is now mine or XXXX XXXXXXXX XXXX. It was paid in full, last year. Please stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
It all started on XX/XX/2023. I filed a claim with Chime about unauthorized transactions. They gave me a total of XXXX in which multiple atm fees were not included. They said the time frame was 10 days to receive a provisional credit and up to 90 days for the investigation. My case was closed out within 5-7 days excluding the weekend. I called them back when I got the alert and told them they could not have done an investigation on my behalf due to the time frame the dispute was closed. The rep then entered a rebuttal ( reluctantly ) and stated I would have to wait an additional 10 days. I waited and a provisional credit was given. They closed the case shortly after and waited until my account showed a substantial amount so they could charge the provisional credit back to me and then debited my account. Once I found out I called them again and opened up another rebuttal after seeing the information they provided. This time I was assured my claim would be processed as I was told but when I called them no record could be found. The reasoning was so vague and incorporated the same info I gave them in my initial claim. So I called again, spoke a floor manager in which filed another rebuttal. I have talked to 2 or 3 floor managers and they all just want me to get off the phone and not handle my issue. Each time it is 10 days, so I have been waiting for 40+ days for them to do a proper investigation. It would be more for me because I count the weekends. I have been with them 4-5 or more years and never filed a claim! Enough is enough and I want my money back asap!! The dates and claim # XXXX filed is XXXX XX/XX/2023, another date in between in which they did not want to give me per the reps that answered my call. A floor manager stated the next was XXXX on XX/XX/2023, XXXX on XX/XX/2023 and used the initial dispute # under the third time claimed which is the 4th or 5th being XXXX on XXXX. No # XXXX came like this before with indicates they are alerting someone to my issue! Please help me in recouping my funds as I do not want anything to do with this company again and i will be alerting all my friends and family about them not having support once fraud or whatever issue they face!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Credit Card company charged me interest during the 24 month promotional period, terms were no interest for 24 months but during that time they charged me interest, then changed the terms to 14 months and charged me full interest. My balance was almost paid off with $ XXXX left out of {$3200.00}, this brought my balance up another $ XXXX. They are now charging interest on top of interest on top of interest which were not part of the terms. Credit Card is form the XXXX XXXXXXXX store.

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 2023-03-27 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: MI

Complaint narrative:
XXXX XXXX  account number XXXX In litigation for vehicle illegally repossessed constant harassment from collectors XXXX XXXX account XXXX Account isnt mine never authorized the account XXXX XXXX  account XXXX Never had account and it says account is XXXX XXXX XXXX but keeps getting sold to new collector All 9 inquiries are potentially fraudulent as I havent tried to use my credit in three years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Credit Cards XX/XX/2021 TransUnion XXXX XXXX XXXX Credit Cards XX/XX/2021 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Auto Loans XX/XX/XXXX TransUnion XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I paid my balance off in full on XX/XX/2023. I received a statement with a interest charge. I called Bank of America to find out why they are charging interest on a {$0.00} balance. The c/s agent said that the card had to have XXXX months of {$0.00} balance to not accrue interest. They are charging interest for a {$0.00} balance -- this sounds like a junk 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 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We had a mortgage forbearance during XXXX. 

When the XXXX forbearance ended, we resumed making mortgage payments and have {$1200.00} left on the original loan. 

Wells Fargo says that we owe the forbearance amount of {$27000.00} as a lump sum. We applied to get the terms changed so that we can make monthly payments on it. Their underwriting department denied the application because we make too much money to qualify for mortgage assistance. We do not want assistance paying our mortgage ; we want to continue our monthly payments in order to pay back the {$27000.00} Wells Fargo and XXXX XXXX have both told us that we have no option except to give them the lump sum and that we can't mortgage the {$27000.00} or pay it back in installments.

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 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I pay my AMEX card in full every month. The due date on my card is the XXXX of the month. In XXXX I paid the balance of {$910.00} in full one day late and incurred a interest charge of {$23.00} and a late fee of {$40.00} in XXXX for the late payment. I am ok with the interest charge and the late fee in XXXX because I paid late. However, I also received an interest charge of {$23.00} in XXXX and when I asked the AMEX representative why I was charged interest in XXXX they said that the trailing interest from the late payment in XXXX carried over into XXXX. Since I paid the balance in full on XX/XX/XXXX there shouldn't be any trailing interest. Or if there is, it should only be for 1 day? When I asked about the interest in XXXX I was told that it was the trailing interest? 

Without a clear explanation of why I was charged another month 's worth of interest for 1 day of an outstanding balance raises the issue of an unfair and deceptive act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Wallet with SSN, My Sons SSN, IDs, Cards And More Was Used and Stolen Back In XX/XX/2016. Resolving Full Credit Report Prior To Applying For My US Citizenship. Please Call Me Urgently For More Information. 

Thank You Regards, XXXX XXXX XXXX - 15 U.S.C. 1681c-1 and 15 U.S.C. 1681c-2

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 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc
State: LA

Complaint narrative:
This company Hunter Warfield Acct # XXXX is in clear violation of several consumer laws put in place to protect consumers like myself from willful disregard of basic consumer rights. *Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. *Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap *Under 15 U.S. Code 1602 ( p ) - unauthorized use of my information As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. you are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out generic form. Through the XXXX system that does not even contain my reasons for the dispute is not reasonable. Also according to 15 USC 1681 everything has to be 100 % accurate on my consumer report. There are several inaccuracies as it pertains to the reporting of this erroneous account. ( Date last active, date opened, dispute status )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am so displeased with the way my information was used by XXXX XXXX. I am very distressed and emotionally distraught because I was trying to buy a home for my family, and I got denied due to damaging, inaccurate and incomplete information being reported on my Consumer Credit Report. This is a defamation of my character, and its hindering my success. I take my livelihood very seriously, and I expected you to do the same. 
According to 15 U.S. Code 1681, you are supposed to promote fairness and accuracy on my Credit Report. But all I see are Fraudulent, Unauthorized, and Unvalidated Accounts. I was a victim of the data breaches with XXXX and XXXX, so at this point, you really should be protecting my privacy. This is detrimental to my emotional and psychological health and well-being, to the point that I had to have my pastor pray for me several times. 
I dont have access to safe, affordable housing now, because you are violating my rights and privacy with this inaccurate reporting. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s-2, no Data Furnisher should be reporting any inaccurate, incomplete or unverifiable information, because this is negligent and willful non-compliance. I need help now so I can proceed with buying me and my family a house, as this is negatively effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Ive never once made any suspicious activity with this bank and therefore they closed my account for no reason. My mom and dad would send me money from time to time always less than XXXX $ and Id put it on my Dave card for regular spending habits like gas or groceries. They closed my account without warning and refused to give a reason. I had funds in that account and I needed it for gas to get to work. They offered no opportunity for me to remove my funds prior to them randomly closing it either. After doing research I found that they were apart of a massive data breach while I was a member so my information got out there and they never even told me, and people whove never even heard of them have been charged for hundreds of dollars they didnt authorize. This place is obviously a scam and I wish I knew sooner. They need to be shut down immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I attempted to withdraw money from my 5/3 Bank account at a XXXX ATM on XXXX XX/XX/XXXX. The ATM whirred, etc. like normal but the door did not open, I did not get my money and it did not provide a transaction receipt. ( This was not the only time this has happened to me. ) I called my local 5/3 branch and was told to contact the dispute resolution dept. I did this, repeatedly, and it has been denied each time. 

During my XX/XX/XXXX call, " XXXX, '' a dispute center supervisor, told me I can NOT have any of the information used in this decision, including the ATM 's video of my transaction ( obviously showing my angry face after I did not receive my money ). I told her the letter they sent states I can request copies of the documents used in this decision. She told me it is a " form letter '' and may not be correct. 

The correspondence and notes related to this are in the attached pdf file. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: PA

Complaint narrative:
Somebody toke money out my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My birth certificate was stolen from my car and I need these unauthorized accounts off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My birth certificate was stolen from my car and I need these unauthorized accounts off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that is on my report is XXXX XXXX XXXX XXXX, IL XXXX I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Continued multiple calls to my work phone for several months. I asked them to stop calling my work number and they refuse to stop.

Company response to consumer: Closed with non-monetary relief