vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I do not dispute the fees charged me are allowed by contract. I complain that the fees are excessive. The bank offered a refund ; I am not worried about my XXXX. I am concerned about those who are crippled by these fees. 

On XX/XX/23 I used a XXXX XXXX XXXX to access my BMO XXXX account to : XXXX ) inquire about my balance XXXX ) withdraw XXXX from my account. 

I was charged : XXXX from XXXX for the inquiry, XXXX by BMO for the inquiry, XXXX by XXXX for the withdrawl. ( I was expecting this. ) XXXX by BMO for the withdrawal for a total of XXXX. 

For sake of documentation, I videotaped the same sequence while withdrawing XXXX. XXXX on XXXX is XXXX %. The XXXX charged by BMO is XXXX % of the XXXX I got from the XXXX. This is too much especially for a low income person who typically will be withdrawing smaller amounts of cash. 

XXXX replace tellers at XXXX XXXX XXXX branch banks. They save banks money. They are convenient but they also have negative social consequences. Banks should not be charging us to use XXXX while replacing workers and emptying storefronts. I should be able to see my balance and to withdraw funds for free as it had been and still is in the XXXX branches. 

The banks are part of the down escalator for low income persons and up escalator for the shrinking middle. I will now shop for a new bank that will pay me XXXX to open an account and cash back on purchases. 

Banks no longer serve a useful purpose. Their functions should be taken over by XXXX and all Americans given a fee free bank 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Name of the company that reports late payments : XXXX XXXX / Account number : XXXX. XXXX in XXXX, It's Not Correct. Remove Late Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NV

Complaint narrative:
Compensation of XXXX. Violation of Privacy and Reporting transaction history on credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
When you go to midland credit management website they still have listed that I owe XXXX on this debt.when in reality as of this date XX/XX/2023, it is XXXXi have for the past XXXX months trying to get them to correct this on their site.i have contacted them XXXX  times about this but get the runaround.this is providing false information and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Compensation of XXXX. Violation of Privacy and Reporting transaction history on credit 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Compensation of XXXX. Violation of Privacy and Reporting transaction history on credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
The Card was stolen and it's affecting my credit report Account # : Account Type : XXXX Account Type - Detail : XXXX  credit card XXXX Code : Individual Account Status : XXXX Monthly Payment : XXXX  Date Opened : XX/XX/2017 Balance : XXXX No. of Months ( terms ) : XXXX High Credit : XXXX Credit Limit : XXXX Past Due : XXXX Payment Status : XXXX Last Reported : XX/XX/2017 Comments : Credit card lost or stolen Date Last Active : XX/XX/2017

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 2023-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
Plaintiff : XXXX XXXX XXXX Defendants : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Agency Nature of Suit : XXXX XXXX XXXX XXXX XXXX and XXXX COMPLAINT COMES NOW, XXXX XXXX, Plaintiff herein, and for his Complaint against XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, Defendants herein, alleges as follows : Plaintiff, XXXX XXXX, is an individual residing at [ Address ], [ City ], [ State ], [ Zip Code ]. Defendant XXXX XXXX XXXX is a debt purchasing entity, and XXXX XXXX XXXX XXXX XXXX XXXX is a collection agency, both of which are engaged in debt collection activities in [ State ]. Plaintiff avers that Defendants XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX engaged in unlawful, deceptive, and harassing debt collection practices in violation of [ Relevant Code or Statute ], causing undue stress, mental anguish, and financial harm to the Plaintiff. Plaintiff further asserts that despite numerous attempts to resolve the matter and provide evidence refuting the debt or improper collection practices, Defendants persistently pursued unwarranted and illegal collection efforts, exacerbating Plaintiff 's XXXX distress and emotional suffering. As a direct consequence of Defendants ' wrongful conduct, Plaintiff seeks recovery of maximum XXXX penalties allowable under the law and holds Defendants liable for the damages suffered during the improper debt collection process. Additionally, Plaintiff contends that the actions of Defendants have not only violated legal provisions but have also led to significant harm and hindered Plaintiff 's ability to rectify the situation, impacting Plaintiff 's rights and causing undue hardship. WHEREFORE, Plaintiff, XXXX XXXX, respectfully requests that this XXXX XXXX : a ) Awards maximum XXXX penalties and damages permissible under the law against Defendants, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ; b ) Holds Defendants liable for their improper debt collection practices and the resultant damages inflicted upon Plaintiff ; c ) Grants any other relief deemed just and proper by this XXXX ; d ) Any other relief the XXXX deems just and proper. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TN

Complaint narrative:
in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: TN

Complaint narrative:
in accordance with the Fair Credit Reporting Act the creditors have violated my rights under 15 USC 1681 section 6 o 2 states that I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2023-12-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
Had an account closed with no warning. Attempted to open another account, Unable to get anyone to explain the account decision process. 

Seems to be discrimination and retaliation for filing a previous complaint.

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 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello, I stated that the card doesn't belong to me and I don't have any knowledge of this account. They stated that based on the information, it look like it's mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/XXXX I went to the Bank of America atm to activate and withdraw money from my prepaid XXXX XXXX  from the XXXX XXXX XXXX here in XXXX Georgia. Ive called and message Bank of America and there solutions are nonexistent. Its there atm that took the card while malfunctioning and yes XXXX could easily replace the card but Bank of America could issue a temporary credit since they know what happened to the prepaid card. I was unable to buy gifts with that money because I never got it. Also Im out of an XXXX XXXX XXXX XXXX XXXX  also. Have employees lying about who Im talking with and assume if a scam when XXXX claims oh we can see the card if its being used. I said if thats true you can see Im not using it so replace it. So XXXX accuses me lying I have a police report and screenshots. I tell all this to Bank of America they suggest on the phone via customer service representative to go in the store and demand my money because they dont deal with prepaid cards or cards not with there bank, They suggest call XXXX XXXX  or go XXXX l to the store again nothing from them even though its there atm they caused the issue .i called the number on the atm they didnt send anyone out they just rebooted the atm which I later learned guaranteed my card wasnt coming back out according to the customer service rep I later talk to.

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 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity ( bread financial ) is only credit card I have which does not display on their statement whether Auto Pay is active on the account. The problem is even after setting it up on the account it may not be effective for many reasons including their unexplained reason it disappeared. I believe their motive is to have cardholders pay their balances earlier than required or double pay if transactions cross. Your assistance is requested to remedy this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I was provided an Amex gift card from my company. The gift card shows activation date and dollar amount for use {$50.00}. I was only able to use it once on a XXXX order and says I have {$30.00} left to use. I cant use the remaining balance anywhere! Ive tried online merchants and in store merchants. Ive called their customer service line 4 times, each time with someone incompetent and useless to speak to. They told me they dont know how to troubleshoot this problem, and everyone else that has called in is having the same issue. This is unethical for millions of people to have gift card balances that they cant use!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was trying to buy a house and all of these negative items appears on my credit report. According to the laws 15 U.S.C 1681 law damage on my report. Remove all fraudulent account immediately. This is a defamation of creator. This for Tran Union, 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 2023-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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. 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 reporting 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 year. 15 U.S.C. 1682 s-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. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case. I told XXXX, XXXX, and Equifax to reinvestigate these total of 3 accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2023-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
XX/XX/ I applied for a consumer transaction because I wanted to access a portion of my unlimited credit. They then told me I couldn't do anything because they weren't providing me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I requested a refund for the student loan payments I made during the COVID pause. I only received 3 payments back. I called Nelnet to make sure they sent all of my records for my payment records. My loan was transferred from Great Lakes to them during COVID and they have the records of all my payments for the last 5 years. They said that they sent my Great Lakes record of payments as well. 

I received checks for 3 of the payments dated XX/XX/XXXX I did not receive a refund for the other payments I made. In XXXX, I called and spoke to a representative that told me that they also sent my payment records from Great Lakes since my loan had been transferred and I should be receiving my refund shortly. I called again at the end of XXXX and asked for the representative to re-send the request because I still had not received my refund for all the payments. 

It is now almost XXXX and I have yet to receive that refund. 

I have attached the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was charged my annual fee twice. Once through automatic debit from my checking account and once by them adding it to the balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
THIS ACCOUNT DOESN'T BELONG TO ME!!!! 



Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Terminated Terminated Account Status : Open Open Monthly Payment : {$0.00} {$230.00} Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$25000.00} {$25000.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XXXX XXXX Comments : - - Date Last Active : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I purchase car from us auto sale XX/XX/ that included a service contract for extra $ XXXXFrom the beginning of getting this car it already had problems and within 30 days of purchase needed repair for over {$1000.00} XXXX XXXX XXXX I contacted service claim to have car checked.Found out us Auto no longer paying and my car was transferred to Westlake financial.I contacted them and they stated they were not honoring any warranty or service contracts from us auto.and I was responsible for getting it fixed.XXXX .On or about XXXX I called Westlake asking to remove the service contract {$3000.00} from total of my car because they never honored when my account was transferred from us auto.Westlake financial stated I now have a service contract and gave me number to XXXX XXXX.I called and XXXX XXXX said that my service contract is no longer valid because over mileage as original service contract.I explained I had called Westlake months ago and was told didnt have a service contract and having same issue as I had before us auto transferred accountXXXX requested I send documents that I had problems previously while car was under mileage.I sent and no one has responded or trying to fix car, Also ask Westlake about trading car in.Westlake stated my car is only worth {$2000.00} through XXXXXXXX XXXX.So while am I paying over $ XXXXXXXXto Westlake for a car they say only worth $ XXXX. 
Also it seems as though the cost of the car is now higher seem as though this company are not honoring any payments I made to us Auto before transferring because total is higher and none of the money im paying now really never go to car itself it is being applied wrongly a scammish way of keeping me in debt

Company response to consumer: Closed with explanation