vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-16 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: TX

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 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 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 non-monetary relief
Consumer complaint received 2023-05-16 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: CT

Complaint narrative:
I was automatically opted into email only statements. I was waiting for the paper statement to make the payment. They only began reaching out after seven days, on a Sunday, to make me aware. I had to download the app and go through all of the settings to find the ability to opt out of email only. 

They removed the late charge and I am awaiting the removal of the late charge from 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 explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial has done everything wrong since I took out this loan in XX/XX/2022 the contract interest rate was increased they bagged gap when I put over 1/3 down they didnt change the payment date as promised so I incurred late fees and credit report lates they didnt include the registration fees for over XXXX dollars they added a additional warranty and when the fees were challenged they company refunded them to the loan but no credit to me, I have called emailed and sent certified letters no one calls back I have now hundreds of hours trying to solve issue and no one answered the phone I think they may be out of business and overseas call center is all they have left please help l the last correspondence was over a month ago saying that they received my certified letter and will look into it but still no response and I need a physical address to serve my small claims action and they refuse to provide me one

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 2023-05-16 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: TX

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 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 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
Consumer complaint received 2023-05-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.

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 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On or about XX/XX/XXXX. I attempted to deposit a cashier check from another bank to pay off a car loan. The branch never contacted me to inform me there was an issue. When I contacted the branch about my funds they said the check was no good. If I went to the branch they could take care of the situation. Upon arrival they said they already overnighted the check me. It took approximately another week to get a certified copy of the check not the original back. Because of this I incurred interest from the original 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 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citi AAdvantage had an advertised promotion page on XXXX XXXX site in XX/XX/2023 when I applied for the card offer XX/XX/XXXX. It offered XXXX XXXX  miles on its Citi AAdvantage XXXX XXXX. After spending {$3500.00} with the card within the first 4 months of receiving the card. I applied from a link that was part of this advertisement, and received my card on XX/XX/2023, and activated it XX/XX/XXXX. I called Citi after activating it to verify the offer. I then made a retail purchase of {$3800.00} that fulfilled the stated requirements to receive the bonus XXXX miles. However when I receive the miles it was only XXXX miles. I called both Citi and XXXX XXXX each more than three times to correct the decrepancy but was told the bonus offer was only XXXX miles and Citi stated they did not know of such promotion. When I called the offer was still be advertised on XXXX XXXX website, and was until XX/XX/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 2023-05-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. this list of inquiries below has violated my federally protected rights to privacy and confidentiality under XXXX XXXX XXXX. The listed inquiries are also unauthorized and unverified. 

XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX  XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX XXXX XXXX inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX XXXX  inquired on XX/XX/XXXX has XXXX 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 written instructions. 15 U.Sc. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S. 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 accurate.

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 2023-05-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
When running my credit report I notice a few collections and charge off on my account that I did not authorize a XXXX XXXX account for {$4200.00} on XX/XX/2022 and another account with XXXX XXXX XXXX for $ {$6900.00} XX/XX/2022 The method that was use to open the accounts was a photo picture of my ID, Social Security number and drivers License was attain doing all of the transactions. All accounts was open on different dates.

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 2023-05-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: VA

Complaint narrative:
In XXXX, at the outbreak of XXXX, my wife worked at XXXX XXXX XXXX  in XXXX, XXXX. My wife was forced to take a paycut by the school, and while this was a financial hardship for us, we paid our bills and took on more debt. We were made aware of the Veterans Administration homeowner forbearance program, determined that we were eligible for it, and participated in the program. 

The amount under forbearance was assigned by the VA to BSI Financial Services. 

Working with BSI has been a nightmare. 

1. There was no explanation or warning that the amount would be assigned to a different company than our original mortgage broker, 2. BSI Financial just sent us a letter telling us that we owed them several XXXX dollars, with no introduction or context 3. When I expressed my concerns to them about the settlement BSI had with the CFPB and the issues outlined by the XXXX they were dismissive of my concerns, and told me to " not believe everything I heard on the internet. 
4. I am currently getting a HELOC loan, partly to ensure I do not have to deal with them anymore. They have refused to release my payoff statement.

This company is a nightmare, should not be in business, and definitely should not be contracted by the Veterans Administration to handle VA loans. We have suffered enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: NV

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These are not my addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a credit card with Bank of America. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. Bank of America erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank of America verifying all this. I tried contacting Bank of America to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. 

I'm gon na attach a copy of all my bank statements from Bank of America.

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 2023-05-16 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:
XXXX XXXX is collecting for a company called " XXXX XXXX  ''. This account has previously been reported as fraudulent in XXXX. 

XXXX XXXX is in violation of The Fair Debt Collection Practice Act for continuing to collect on an account that has been previously been reported as fraudulent via an Identity theft affidavit. 

An updated report has been attached to this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account locked after legitimate transaction erroneously flagged. More than a dozen attempts to contact customer support. Repeatedly told I would be called for follow up ; never called. Capitol One continues to refuse to discuss account or resolve erroneous account restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
The company allows you to make a payment over the phone for your scheduled payment early. It then posts the payment to the date you made that scheduled payment on your account and never withdraws the funds timely. Then when the payment is drafted the original payment amount and date are removed and it is reprocessed under the scheduled date. For example, I made a payment on XX/XX/XXXX, it posted on Avant 's end in a few days with that date. However, it was never drafted from my account via XXXX. Then when my original date came around, the XXXX, it didn't show as pending until the XXXX and now the account shows that I never made the payment on the XXXX or the XXXX and isn't even showing on my online account. and I have accrued interest on all of that time between the XXXX and today. The customer service rep then told me that I needed to provide a bank statement to prove the funds were being deducted even though they show the payment on their end internally but not on my online portal. This company is basically gaming the system of interest and not posting XXXX payments made over the phone in a timely fashion, then removing them once posted, and forcing the customer to pay additional interest. This loan is advertised as having no prepayment penalty, but when I prepaid my monthly payment, this is what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have filed a fraud claim with Chase regarding several charges that the same company duplicated, and I was also told that I was not the first individual that this happened to from the United States. As soon as I got back from the XXXX XXXX, I went to the bank and canceled my card after I filed the dispute, and I will attach the proof of the same amount being taken out twice on the same day. Also, I am going to attach the evidence that I never traveled with XXXX XXXX, and yet they charged me {$52.00} for bags when the military does not pay for baggage, which is why we chose to travel instead with XXXX ; that is more transparent than any other airline in the industry. 
Now, chase had refunded four transactions and now they are saying that they will reverse it because the merchant has given them proof that the transaction are accurate. So, I told them I want to see, a copy of my passport, ID and my original signature on all 8 transactions that this merchant has charged me or I will hire an attorney to take action, it is not fair. Chase can see the discrepancies and yet they dont want to rotect their customer shame on you chase, I know that i am only a number to you, however my direct deposit from the VA still generates interest for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have been trying to get this removed from my credit report since XXXX of last year as you can see I have to case number to the issue and each time they say they corrected the issue and have not and its still on going. The first case is XXXX and the second is XXXX. But according to law15 u.s.c. 1681n an unauthorized inquiry should not happen and should be compensated and since it is taking so long and this hard inquiry is hurting my credit something needs to be done and compensation is needed. And removed from all credit reporting agencies ASAP.

Company response to consumer: Closed with non-monetary relief