vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
Dear AmeriCredit, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( AmeriCredit ) are " requiring '' a cash down payment. Is it true AmeriCredit asking for a cash down payment? I am demanding that Ameri Credit provide verification of XXXX XXXX, XXXX, statements that Ameri Credit are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the XXXX XXXX XXXX in and for XXXX County , FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX XXXX and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from XXXX XXXX XXXXXXXX at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had many problems with my checking account through Wells Fargo they were charging me fees that were not applicable and there was some charges on my card that I shouldn't have been responsible for but had to pay for anyway and it caused my account to bounce checks and I had banked with this Bank when it was while XXXX for many many years I never had the first problem with while XXXX but when the changeover happened I had several problems after that and also I had opened a savings account with XXXX for my son and I deposited {$100.00} into that account and when Wells Fargo bought XXXX out they had lost the paperwork to that account and told me I didn't have that account anymore because I had a fire and lost most of my paperwork and etc. However, I was going through some old paperwork of mine it was at my aunt 's house recently and I came across the account number to that account.

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Sir, I am a client in your esteemed bank holding checking account number : XXXX, due to some fraudulent activity my account was closed. That I do not owed Bank of America any money. 
Therefore, I would request you to reactivate a new account to enable me to proceed with future transactions. 

I ensure onward I shall take care and monitor my statement carefully, to hopefully prevent my card being stolen. 

Thank you in advance for your prompt attention to the issue.

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 2023-02-10 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: IL

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( 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.

I know that under 15 U.S. Code 1681i ( a ) ( 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 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: DE

Complaint narrative:
On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus .

I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.

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 2023-02-10 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: DE

Complaint narrative:
On XXXX I mailed out letters to all 3 Credit Bureaus. 
I received no response. 

On XXXX I mailed out follow-up letters to all 3 Credit Bureaus .

I received yet again, no response! 

I have now mailed out a 3rd set of letters on XXXX! 
The law says they have 30 days to respond, it's been well over 30 days and I have had no response to the incorrect information reporting on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
DEAR SYNCB/TJX CO XXXX XXXX Date Opened XX/XX/XXXX ) ; Attn XXXX XXXX XXXX XXXX XXXX negatively marked me late on my credit report on XXXX XXXX XX/XX/XXXX for up to 90 days. I think you got confused with the different account i had with you company. I have never been late with TJX. I reviewed my credit report and noticed that you continue to report inaccurate information on my credit report and shouldn't be reported as such. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

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 2023-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Lennar Financial Services, LLC
State: AZ

Complaint narrative:
I closed on a property located in XXXX, AZ on XX/XX/XXXX. I was contacted the beginning of XX/XX/XXXX requesting additional information from the Lennar Senior Loan Processor. This would include : XXXX proof of payment of XXXX taxes XXXX. XXXX tax return ( was uploaded during original loan process ) XXXX. Hire letter for my husband, who was actively working at the time we applied for the loan XXXX. A change in insurance coverage for the property. Lennar insurance quoted the insurance policy for the townhouse and we accepted their quote through XXXX XXXX. Lennar is not stating we need to change this policy to a homeowner policy, which in turn will significantly change the cost of the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear XXXX XXXX XXXX ; Experian ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and 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 2023-02-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 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 2023-02-10 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: TX

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 orAny 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian credit reporting agency has not corrected the information on my file. They have names that show that they are not my correct names and never have been. also have incorrect work employment information. 

I want it corrected. The following information is Incorrect and needs to be deleted XXXX. XXXX XXXX XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXX XXXX XXXX DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX XXXXy- DELET PLEASE NEVER BEEN MY NAME XXXXXXXX XXXX- not my employment XXXX XXXX XXXX XXXX - not my employment

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 2023-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
My account was closed with capital one on XX/XX/22 Someone deposited a check in my account I tried to dispute it because it wasnt mine and they closed my account because I wasnt secure with my data. I asked them to mail the check they said it would take 10 business days. It is now XXXX still no money I have called and left several voicemails still no call back. At this point I would like the money transfer to the XXXX account that is already in their system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
When I started comparing my XXXX ( Old Age Security ) to my husband 's I noticed that starting in XX/XX/XXXX my amount was less by anywhere from {$30.00} to {$47.00} each month. I phone XXXX Pension ( XXXX ) and explained that although are XXXX ( XXXX ) Gross Income of {$6400.00} ( box XXXX ) we were getting different amounts. I was told to call my local bank as it was their problem. I called my XXXX XXXX  XXXX XXXX ( XXXX and spoke with both XXXX and when I called back XXXX, they both gave me the same answer that the money comes in from the Bank of America into their back office and then deposited into our accounts. Called back XXXX Pension spoke with XXXX and was told that we were getting equal amounts and suggested that it maybe the rate of exchange. I told him that that would only vary {$0.00} to {$0.00} but not {$30.00}. He told me he couldn't do anything and I needed to call the Currency Explanation & Correction department (! XXXX ) spoke with XXXX and he told me to call ( XXXX ) who in turn told me to call XXXX Pension. Again called and spoke to XXXX and was told the same thing so I asked to speak to a supervisor and was told that the person would get back to me within 2 hours. This was at XXXX XX/XX/XXXX, it is now XXXX XX/XX/XXXX and still no call. I called the XXXX ( XXXX ) and was directed to call my local police station in my country of origin. Called the Sheriffs department ( XXXX ) and was told to call the Federal Banking & Trade commission ( XXXX ) and was the directed to Federal Trade Commission ( XXXX ) spoke with XXXX and he explained the process and directed me to Consumerfinance.gov and here I am

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: WA

Complaint narrative:
I opened up a checking account due to a sign up bonus Chime had offered. XXXX week after opening the checking account and receiving the debit card in mail, I got another email saying a credit card was shipped from Chime. I never applied for this card or even visited the application page. I talked to Chimes customer service regarding this matter, and they went ahead and closed my account but they are no longer communicating with me and have not provided an explanation on why the card was opened to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: GA

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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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. 

Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX  Account number : XXXX Account name XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 a 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 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 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