vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-21 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: GA

Complaint narrative:
I am making you aware that XX/XX/2022 I sent to XXXX XXXX, XXXX XXXX, XXXX XXXX a notice informing them of their violation that allowed me to make an uninformed decision when I entered an agreement with their company. The information given to me was not clear nor conspicuous for me as a consumer to understand. The companies failed to provide me with an adequate notice giving me pertinent facts that were to be clear and conspicuous. I am making you aware of the fraud and deception these financial institutions have been doing. According to 15 USC 1611 whoever willfully and knowingly gives false or inaccurate information shall be fined for {$5000.00} or be imprisoned not more than one year or both. You have been warned of the notice.

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 2022-09-21 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OH

Complaint narrative:
My original loan was {$6000.00} amount from statement. 
I was told that my 1st payment would be about {$150.00} more than my monthly payments for an admin fee. I questioned payments because I'm on a fixed income and before I finalize loan I wanted to know it would fit my budget, I was assured that it would. That was a lie. I have paid XXXX to date. In XX/XX/XXXX before my due date I contacted company to request late payment waived because I was going to be 1 week late with payment. I was told when my car was repossessed by them that this was an option when I explained that XXXX of the month, 1 day after due date I receive additional monies to complete payment. As soon as additional monies was available, I went online and paid. This was the first time asking but neither rep would acknowledge that I was told this. I asked to speak with the rep that I spoke with previously but told they were unavailable. I made payment as I said minus late fee. Per billing ; XXXX, XXXX, XXXX and XXXX it showed and unpaid late fee of {$30.00} with payment of {$440.00}. I made {$440.00} payment on XX/XX/XXXX. After that payment, they changed status of {$30.00} from unpaid late payment to part of loan payment which made the status of my loan payment as late and incomplete also charging me another late charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX has been sending me collection letters for a past due amount of approximately {$430.00}, that I do not owe. This is a bill from many years ago- approximately 6 or 7 years.They are saying ( when I called them ) that the bill is from a store ( XXXXXXXX XXXX / Comenity Bank ) that is no longer in business. 

1 ) I paid the bill -that was approximately {$120.00} years ago at my local XXXXXXXX XXXX store. 
2 ) No -- I do not have a receipt now as it has been many years. 
3 ) I offered to pay the original amount just to get it off my credit report but that was refused by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have already filed a complaint with CFPB RE : XXXX On XX/XX/22 received a phone caal from BofA stating they need more time to investigate my request. 
on XX/XX/22 BofA communicated to the CFPB that require additional time to research the issue. 
On XX/XX/22 I received a letter dated XX/XX/22 from Bof A stating " We are not able to approve your recent claim as our record indicate that we completed the transfer according to the instructions you provided and therefore no error occurred. Based on this your account won't be credited ''. 

I never asserted that bank of America made an error my complaint was mainly based on the fact that I was not able to get in touch with them and had I been able to speak with someone when I first call perhps they could have been able to stop the payment. 

It is clear that bank of Americans not able to answer customers phone call promptly and evidence is also showed by the fact that it took several days to communicated to CFPB that they need more time to investigate. 

I lost all hopes at this point of being able to recover the amount in question but I am not happy with the fact that it was almost impossible to communicate with Bank of America via telephone. The most egregious time was when after baeing placed on hold for more than an hour I lost the communication. 

Certainly I am not going to stay here and cry over {$160.00} but, I have been a customer of Bank of America for over 30 years and I would have expected a better response with a signed letter not just what seems a standard impersonal letter denying responsibility. I have several direct deposits arrangements and also some automatic ACH being processed through BofA. as soon as I am able to switch those to another institution I will regretfully terminate my relationship with BofA.

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 2022-09-21 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: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sa-Vit Enterprises, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX - Received collection notification from Savit Collection Agency. I was unaware of a debt from XXXX XXXX XXXX ( because they had an incorrect address for me ) so I called Savit and they sent me the XXXX bills. XXXX XXXX XXXX improperly billed ( billed as eye exam ) my insurance company ( XXXX ) for three service dates ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). All 3 dates of service were for medical issues ( diagnosis codes are included on the bills ) however XXXX XXXX XXXX coded them as eye exams and XXXX doesn't cover that so they were rejected. Unbenounced to me, until i received a statement ( with the wrong address ) in XX/XX/XXXX and XX/XX/XXXX. At which time, I called XXXX XXXX XXXX multiple times and was told they would process them again. I was never informed that the bills were being rejected and hadn't been processed. 
XX/XX/XXXX - I become aware of the issue when Savit Collection Agency reported the debt to the credit agencies ( credit score dropped XXXX points ). I spoke to XXXX ( billing is too old to reprocess ) and Savit ( they need XXXX XXXX XXXX to recall the debt ) numerous times and both conclude XXXX XXXX XXXX is at fault. However XXXX XXXX XXXX won't return my calls or emails. 
I have included all documents to support my claim. Please intervene and fix the issue. I have a stellar credit report history for over 45 years and have NEVER made a late payment. Thank you for your time.

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 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX # XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I have a car lease with credit acceptance, I fell behind on my payments due to having XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and being out of work. I was in contact with credit acceptance they said the only they could help me was to add the past due to the back end of my lease making my payment {$780.00}. My payments are also not getting reported that I pay or being allocated correctly and I can not get into another car or even turn in this car because of the way they report. When I make my payments its still showing that Im behind almost an year even though they added my behind payments into my lease, also I didnt sign a new contract for them to do that. They put my car into repo status and I still have my car. I have been in contact with credit acceptance on why they dont report on the months I make payments and they replied we just dont do that

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 2022-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I have a XXXX credit card through Comenity bank. I have purchased upwards of $ XXXX $ XXXX of purchases on it since XXXX. I have not received any reward points on any of my purchases since XXXX. I have tried to call them and email them numerous times. They have not been able to help me. It has been ridiculous that we are at month 3 without receiving those rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21 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: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Identity theft is the intentional use, possession, transfer, or attempted use, with fraudulent intent, by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion remove this account at once I used the Government web site and filed a fraud report FTC and filed it with CFPB that all I have to do they refuse to respond That is all I have to file by law, XXXX XXXX XXXX sold the account I await your response to CFPB

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 2022-09-21 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: 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 Account # # XXXX. Account # # 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 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 ( AX1 ) 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 belleve 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 2022-09-21 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: FL

Complaint narrative:
The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX  previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.

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 2022-09-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX  Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21 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: FL

Complaint narrative:
The 3 credit bureaus are reporting two late payments reported on XXXX & XX/XX/XXXX from the XXXX XXXX XXXX XXXX Account. I contacted XXXX XXXX XXXX XXXX previously and requested removal of both late payments and was told you could not honor my request. On XX/XX/XXXX, I called customer service again and requested a payment accommodation to wave the late payment fees, in the amount of {$38.00} that occurred during this time. Which was granted by XXXX XXXX XXXX XXXX. In my letter I mentioned the passed Coronavirus Aid, Relief and Economic Security. The Credit Reporting Scores under the CARES act, the federal government put in place special protections that change the way creditors report information. The law requires creditors to report any account that has a Payment Accommodation Applied to it as current to the credit bureaus- as long as the account was current when the accommodation made. It states the creditor needs to report to the credit bureaus that you are current on your loan. 
I received a credit bureau review letter on XX/XX/XXXX from XXXX XXXX stating has reported the payment history accurately as required by law. I'm disputing this because of the CARES act states since they provided me an accommodation, they must remove the late payments off of my credit report. Please assist me and thank you for your help with this matter.

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 2022-09-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I contacted Equifax 3 daysa week for the past Month. They refuse to help me via the phone. Me and my children have lost our place to live over this matter. My family was in the process of purchasing a home but do to Equifax producing these accounts on my consumer report without Permissible Purpose I was denied by the lender. I have been trying to get this resolved with them for up to a month, but keep getting put on hold for hours and then hung up on. Or told they can not help me over the phone they produce the information they are given by creditors go talk to them. How are you producing information on my consumer report without being validated by me or without my permission. Please help me and my family to resolve this matter.

Company response to consumer: Closed with explanation