vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of america closed all of my families accounts. On XX/XX/2023 I have been with them for 30 years. I called them, after XXXX minutes dealing with there stupid XXXX  answering machine. Then they tell me that I loose all of my Cash Back Monies. They took about XXXX dollars from credit card cash back. So if the bank takes cash back from XXXX people at XXXX that save the bank XXXX ... .... They lost in court so they do this to people ... ..STOP bank of america XXXX the word America should be removed from there name ....

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 2024-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc.
State: FL

Complaint narrative:
My car was repossessed at XXXX, no action can be taken on my part until XXXX as their offices are closed until that time. This is a blatant misuse of power aimed at forcing a consumer into accruing tow fees, impound fees, and in my case auto body damage caused by the tow service and tow yard. I also have now needed to spend additional money on XXXX  in order to get my car back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MA

Complaint narrative:
From may of 2022 until present I have asked and provided all the documents cash app has asked for in regards to accounts $ XXXX XXXXXXXX and any other account active under my personal information. They promised reimbursement right away and never did, all I get is the run around every time I call

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
While trying to secure housing, there was a direct negative impact these inaccuracies had on my rental application. I had damages on my credit report because my personal information was exposed in the XXXX data breach.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They provided me with information that does not address my concern. I asked how to setup an external account so that I could pay them and they sent me some information on how to pay a bill. I have literally spent over 15 hours calling and holding on the phone. I have not been able to set up an external account. 

The customer representative told me to download a mobile app and ask " XXXX! '' I was also told to go online and add the account, but the feature appears to be disabled on my account. So, I just received the first statement from them on yesterday, I am on the site and I still can not add the 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 2024-01-18 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-01-18 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Dear Sir/Madam in todays retail environment, credit card processing company is essential, especially for firms that operate through e-commerce platforms. However, many shoppers worry about how long a merchant has after submitting a purchase to charge their credit card. Or what are the chargeback limits of different cards? 

According to credit card issuer rules, merchants have no time limit to charge their credit cards. If the transaction is approved, the merchant has to charge its credit card within the time limit of 30 days. The period might range from 24 hours to 3 days, depending on the bank. Some banks demand to charge credit cards within 30 days. 

_____________________________________________________________________________________________________________________________________________________________________________________________________________________ I notice that my Navy Federal credit card was charged on my XX/XX/XXXX statement {$840.00} Date : XX/XX/XXXX Merchant : XXXXXXXX XXXX XXXX Im disputing the charge for two reasons : charge amount is incorrect charges was accepted after more than 30 days of transaction which were on XX/XX/XXXX I requesting that my credit card account be corrected, and all interest charge 11.24 % APR applied, be reverse. 

XXXX XXXX XXXX had to falsify information to collect the charges, and the bank drop the ball in allowing this to happen. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-18 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: OH

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent dispute letters to all three bureaus. My Equifax and XXXX report is not reporting accurate information like XXXX. It is showing a collection XXXX not removed/deleted from Equifax and XXXX but is showing removed from XXXX. It is also showing different statuses. XXXX states " collection account. {$350.00} past due as of XX/XX/2024. '' with 3 late payment derogatory marks and Equifax is showing " unpaid '' with no late payment history. XXXX has removed this account. I have documents and proof attached showing what I have stated is accurate. 

15 U.S. Code 1681e ( b ) states " 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 2024-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Went to the XXXX. Saw medical professionals throughout my visit including a cardiologist. Got this SURPRISE bill from a third party company on behalf of the XXXX XXXX that did not come on duty until XXXX - I was finally XXXX ( XXXX  ) around XXXX. XXXX XXXX XXXX XXXX XXXX never treated me. I requested an itemized detailed report of what she did. All other bills for XXXX XXXX XXXX XXXX visit itself have been paid. I refuse to pay for this XXXX XXXXXXXX XXXX XXXX XXXX as she did not report\clock in until XXXX - I was they at XXXX. Her bill was higher that the XXXX XXXX bill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've been a victim of identity theft. 
My credit has been negatively affected. 
There are several collections and hospital bills that have accumulated on my report that I have no knowledge of nor did I authorize. There also several phone accounts on my credit that I did not start, there bank accounts in my name that I don't own or never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I had some automatic payments withdrawn from my account, but I was showing a positive balance because the transactions were processing. On XX/XX/XXXX I had put gas to which the transaction did not decline. I also have overdraft protection that allows 24 hours to make a deposit to be able to avoid an overdraft fee. On XX/XX/XXXX I was charged {$37.00} in overdraft fee to which i was willing to pay but then on XX/XX/XXXX I was charged {$74.00} overdraft fee. Then on XX/XX/XXXX again i was charged {$37.00}. I called the bank to advised of a financial hardship to see if I can get the fees reversed, I was told that they could not reverse the fees since they had already done so for me in XX/XX/XXXX so I asked to speak to a supervisor to which i was still told No. So I was able to get some help and bring my account positive, after paying them {$140.00} in fees. Then XX/XX/XXXX I had some payments come out to which I transferred through XXXX some money to be able to keep the account positive and not in negative standing but on XX/XX/XXXX I was charged once again {$74.00} of an overdraft fee. I reached out to the customer service chat and was told that the fees are accurate and that I needed to make either cash deposits or internal transfer to which I did not understand as XXXX is an immediate way to deposit funds to your account. She advised of the banks strict policy of only reversing a fee within the 12 month rolling period. I also have daily pay and pay a fee to be able to have funds deposited immediately. I am a single mom of XXXX  with no assistance and I am being charged these outrageous fees that I can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.

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 2024-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I have reached out to the company Westlake Financial on numerous occasions via email to customer service as well as a representative named XXXX and she never responded. Emails were sent from XX/XX/XXXX to current day, XX/XX/XXXX. No response. I had 80 percent of XXXX XXXX XXXX and was asking for an extension or to move the amounts to the end of my loan so that I could get out of my financial hardship and get back on my feet and caught up. They never responded and now on my credit report it is showing that my loan was charged off XX/XX/XXXX and possibly up for repossession. 
I even attempted for friends and family to make the payments for me, however I am restricted/locked out of my account so there is no way to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I never authorized or set up these accounts, and I believe they might be acts of fraud. Please conduct a comprehensive investigation into these accounts and take the necessary steps to remove them from my credit report. It's essential for maintaining the correctness of my financial records.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
SANTANDER IS A FRAUD ACCOUNT THAT DO NOT BELONG TO ME AND THE CREDIT COMPANYS ARE REPORTING THIS ACCOUNT ON MY FILE SANTANDER ACCOUNT # XXXX

Company response to consumer: Closed with explanation