vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have been having problems with my credit card payments with Bank of America. Each time I try to make payment I either have to call to resolve the problem. The system of the bank does not have auto pay cancelllation through online and so I had to call to cancel it. But still didn't solve the problem and they took out money twice for each card for one billing month. So I requested for refund for one each payment. In the meantime, since it takes 2 billing cycle to refund it back to me, I had to make the next month bill. So I made an arrangement for each card making sure it is not past due and more than minimum amount due. Since I always had problems each months I had to check through online every day, if my payment I s correctly made. And again, it says " your payment is past due, please call ''. So I called to BOA to resolve it and find out why I am keep going through this problem. I even spoke with the supervisor on XX/XX/XXXX on the due date to resolve - why my payment didn't go through. ( I even checked with my own bank to make sure they didn't have any problem- which they didn't ) The supervisor told me that the prior agent mistaken wrote the wrong bank account number so he apologized and said he took care of it so I don't have to worry about. So I thought it was resolved. But today, a week later, checked BOA account online and saw the payment still wasn't made. I made sure that the supervisor had the right account number and routing number. And called my bank to see if there is any problem on the system, and they didn't. So I called again to BOA and it automatically put me on the collection department of BOA, and the supervisor told me that I didn't make the payment so it is my responsibility for the payments. I explained the whole story and she didn't even want to listen to me and yelled at me saying " ma'am I don't care I dont see the notes saying thay I made a phone call last week to try to make a payment or resolve this issue ( yes of course at this point I was so upset I had to yell at her too ). My interest rate is going higher each month due to the whole issue ( late fees and interest rates added ). It is not right.

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 2023-05-31 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: GA

Complaint narrative:
I have been working on my Experian 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 supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXlease keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 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 2023-05-31 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: AZ

Complaint narrative:
I disputed the hard inquiries on my Equifax report on XXXX. The credit disputes came back today and nothing is removed. It is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo continues to insist that XXXX fraudulent charges made to my credit card ending in XXXX are valid. Both were done in XX/XX/2022, XXXX XXXX XXXX XXXXXXXX and XXXX XXXX. I am XXXX and can XXXX XXXX and already provided medical evidence to Wells Fargo about my medical condition. My husband also sent a letter to Wells Fargo stating he never drove me to the locations where the fraudulent charges were made. Wells Fargo is accusing me of 1 ) filing a false fraud claim and 2 ) illegal filing a false police report for the fraudulent charges. This is defamation. They continue to say they are not insuating either 1 or 2 above but they are lying- they are saying it by default since they keep telling me the fraudulent charges are valid. 

In their last response, Wells Fargo claims they cooperate with police on investigations. I want proof of what specifically was done wo work with the XXXX XXXX Police on the investigation for the police report I filed. 

No more lies, You can not claim to have worked with the Police Department and still hold me accountble for the fraudulent charges.

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 2023-05-31 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 would like to emphasize that the inquiry in question is not associated with me in any way. I have no prior knowledge or affiliation with the creditors mentioned

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 2023-05-31 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: FL

Complaint narrative:
I am reaching out to formally request the deletion and removal of specific accounts and associated information from my consumer report. It has come to my attention that the inclusion of these accounts and information on my consumer report is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly urge you to take immediate action to rectify this situation by deleting and removing them from my consumer report. 

The presence of these accounts and information on my consumer report not only constitutes a breach of multiple laws but also undermines the accuracy and integrity of my credit profile. It is of utmost importance that you swiftly address this matter and ensure compliance with the FDCPA and FCRA. 

I trust that you recognize the gravity of this issue and the legal obligations entailed. I request your prompt attention and immediate removal of the aforementioned accounts and information from my consumer 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 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid for a service I didn't receive what the service advertised I been scammed off cash app service and they is responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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 — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a message from Amazon A refund was issued to your XXXX  on XX/XX/2023 for {$270.00}. 
This is another item bought and returned at the same time : You've already requested a return of this item Refund issued You don't need to return the item {$32.00} refund issued on XX/XX/2023. 

Chase credit bank is showing those 2 amounts as negative balance charging me for both and items has been returned and refunded by Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NY

Complaint narrative:
Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX XXXX  Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/

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 2023-05-31 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: NY

Complaint narrative:
Inaccurate credit report information on payment. Payment balance was paid in full. 

XXXXXXXX XXXX Partial Account # XXXX Payment of {$1400.00} was paid in full on XX/XX/

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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: IL

Complaint narrative:
after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I opened my account on XXXX XXXX XXXX  at the branch in XXXX, TX. 
Since then i been sending several emails to the banker to have the Online ID to enroll in online banking without having an answer. Please send me to my mailing address on file the PNC Online banking user ID to enroll in that service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I received a prepaid AMEX egift card from my company. The card had no instructions for activation. I used it, it got declined in multiple places. You call them, they put you in a queue. A guy in an XXXX call center talks to you. It is a hassle and takes a while. He'll activate your card and it should be good to go in 24 hours. After 24 hours you try to use it and it gets declined again. They will always have an excuse they are protecting you when declining the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NY

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 non-monetary relief
Consumer complaint received 2023-05-31 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX 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 instructions

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 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX ACCT # 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

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 2023-05-31 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 XXXXXXXX XXXX ACCT # 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

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 2023-05-31 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 XXXX XXXX ACCT # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX 2023, I was enrolled in Experian ID Restoration Services. This was initiated by XXXX XXXX also new name of XXXX XXXX. XXXX XXXX experienced a Data Breach which placed my Personal Information on the World Web for a period of time. This has transitioned into Identity Theft which requires 2-3 hours daily of work relevant to my Credit Restoration XXXX Monitoring, and placing Preventative measures in place. It's amazing how much can be done with my Personal Information. And sad to say, but to some extent this will be a lifetime of work. It seems as if this Identity Thief or Group never takes a break. I'm untrained in this area, and I have never experienced this type of situation. 
It seems although XXXX XXXX has contracted with Experian ID Restoration to aid in my Identity Theft, I am the one having to do all the work, and again in an area in which I have no training in!! 
For months, I have been requesting from my Restoration Specialist, XXXX, the name of her Supervisor, and also the Supervisor who is over Experian ID Works. I have been told for Several months that I will be connected with the Supervisor, but for some strange reason, it never happens. This should be my right.

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 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
I submitted a notice of tender for setoff and a 1099-A with their statement coupon, from monthly statement for total offset of original loan. Along with 1099-OID, 1040v, 1040, form 56 and form 2488. They refused to even accept anything I say or continue to negotiate with me through legal department. They are in violation of XXXX XXXX. I am the surety for the loan. I need help knowing if I'm send correct documentation to utilize my XXXX XXXX XXXX to settle this loan debt.

Company response to consumer: Closed with explanation