vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
My former dentist, XXXX XXXX XXXX, recommended XXXX to prevent further XXXX XXXX, so I agreed ( for medical reasons only ). Her receptionist provided me with a treatment plan ( attached ) that noted my insurance would pay $ XXXX ( which turned out to be false ) and the remaining $ XXXX could be paid off over 24 months with no interest at $ XXXX. I was confused when I subsequently receive a credit card welcome packet from CareCredit, but XXXX XXXX explained that financing was just going through a third party. I set up {$160.00} on monthly autopay in my XXXX XXXX  XXXX bill pay center and forgot about it, based on the communication that that monthly amount would pay it off in 24 months. I have, as of this week, come to learn the dental office had opened for me a deferred interest credit card ( a product completely unfamiliar to me ), and the $ XXXX quoted was just shy of the total monthly amount needed to pay off the balance in the 24 month " promotional window. '' Looking back at my online statements in XXXX, I see now that CareCredit alerted me to the " expiring promotional window '' in XX/XX/XXXX, but I didn't see it because I was using autopay and my CareCredit statements. When it was almost but not quite paid off ( ~ {$370.00} balance ) in XX/XX/XXXX, CarerCredit then hit me with {$1800.00} in deferred interest charges -- -more than half of the total original purchase. I only caught this, though in XX/XX/XXXX, when doing an audit of our family 's bills. I called Synchrony Bank ( CareCredit ) on XX/XX/XXXX to clarify the interest amount and called back on XX/XX/XXXX to repeat my request for help and explain the misunderstanding and was told there was nothing they could do. To avoid any further issues, I have since closed my account and paid off the balance ( $ XXXX ) ; however, I think this credit card company should be held responsible for the lack of appropriate information provided by its dental partner, in this case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC 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 explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An incident occurred on XX/XX/XXXX, my Bank Of America debit card was lost/stolen and wrongfully used, and multiple fraudulent transactions were charged to my bank account using the debit card without my knowledge totaling {$2700.00}. I contacted the bank on XX/XX/XXXX to file unauthorized transactions. Throughout the process, I contacted the bank. XXXX to ask for an update regarding my investigation. They advised me that the claim was closed and denied without reason given to me. They explain to me that they don't have any information for me. I am a victim of fraud, and this is the type of treatment I get from this bank and this is how they treat their customers. I asked the bank that I wish to appeal that decision. They told me that I have to fax in a letter with my own words giving them a good reason as to why I feel their decision was wrong, and also attach a Police Report and CFPB report. So that way they can reopen their investigation, and look into my case. Further, I have never had to deal with this type of incompetence and lack of care for its customers like BOA when it comes to banking. 

Thank you to those who took the time to read this and contact the bank on my behalf it really means a lot I don't know how these companies go overboard without any repercussion or discipline and do not care for the people through these trying times.

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 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a client of Wells Fargo for 30 years. I started a business at XXXX XXXX XXXX. When I applied for and was authorized for a loan within the Covid-19 relief program for small businesses affected by Covid-19, they promised the loan yet never delivered causing substantial losses to myself and business not limited to inability to rehire employees or carry normal operations. When I asked a branch member their perspective they stated that I was not taking care of myself due to my XXXX XXXX. As a woman and a person who identifies as someone with a XXXX, this was unacceptable given they had an obligation to support small businesses. Instead, they forced me to use a high interest credit card rather than grant me the forgivable 1 % loan that I was entitled to for my business expenses. 

They have been unwilling to negotiate a reasonable resolution despite ongoing attempts.

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 2023-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is a resubmission of XXXX XXXX The issues raised have NEVER been resolved by Chase Credit card service They do not respond or provide any resolution of the issues stated previously to the CFPB The CEO was contacted several times including XX/XX/XXXX ( letter attached ) *************************************************************************************************** XX/XX/XXXX via fax XXXX XXXX XXXX XXXX XXXX XXXX, CEO : PERSONAL AND CONFIDENTIAL Chase Credit card services XXXX XXXX, CEO : After almost 3 months/days have elapsed, I have not received a reply from anyone acting on behalf of your office to my XX/XX/XXXX letter/fax to your office, or XX/XX/XXXX follow-up request, ESPECIALLY, reply to any of the recurring lack of specifics on issues reported therein ( and commencing with approximately XXXX similar not-descript letters commencing in XXXX of XXXX o ( as documented throughout prior communications. ) I know you closed the XXXX credit card in the name of my spouse, blaming me, BUT, MANY issues raised WERE REGARDING communication for your division about MY CREDIT CARDS that initially were presented via the Chase messaging system personnel, And, in turn, the apparent lack of detail coming from them to your unit AND, subsequently the totally vague lack of details sent to me by your unit. ( as documented since XXXX of XXXX ). 

This appears to be a convenient means to avoid addressing the issues raised by me throughout communications, AND, a display of a lack of integrity and professionalism from a major bank ( and to a retired Chase bank officer ). 

Maybe, your office might deem it appropriate for someone to directly address the issues, Again, maybe not for me, BUT, for other Chase customers requesting assistance using the Chase messaging system/credit card units o the vague lack of detail letter issues could not be isolated only to me. 

A prompt response is requested. 

( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl XXXX cc : OCC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Every year the mortgage company is trying use shortage to the escrow account to raise the monthly mortgage payment. I have contacted the escrow department, and they are saying that i can't make the payments that is the sum of the 12 payments that is different from my current monthly payment and leave my monthly payment along.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Last year, I submitted a dispute to XXXX XXXX regarding the inaccurate Bankruptcy reporting to my consumer report. 

I asked them to verify the furnisher who reported this information on me. 

They confirmed they received the information from XXXX. 

I then reached out to XXXX to confirm how they received this information and how they verified it was accurate. 

I also reached out to the court listed to ask if they provided this information to XXXX or XXXX XXXX. 

The court confirmed they do not provide any information directly to consumer reporting agencies or XXXX. They also said they do not verify the accuracy of information being reported. 

XXXX is not the entity who can verify this information being reported accurately. Because they are not the original source of this information. Only the court can do that. 

Since the court has confirmed that they did not provide this information to XXXX XXXX. They also confirmed they did not verify any information with XXXX XXXX. 

When I reached out to dispute this information, XXXX XXXX completed their re-investigation and responded back saying this information has been verified. 

Since the court ( the original data furnisher of this type of information ) did not furnish this information to XXXX XXXX nor verify this information. 

I need this inaccurate bankruptcy removed from my consumer report, it is reporting falsely and tarnishing my credit.

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 2023-11-28 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: GA

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.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: CA

Complaint narrative:
WESTLAKE PORTFOLIO MANAGEMENT repossessed my car without merit and reason. I have consistently contacted them to no avail of the problem and rudeness hangups on me several times. I also sent a registered security on XXXX XX/XX/2023 and directed them to wire to my funds XXXX XXXX XXXX they are still very abusive towards me and still have not taken care of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to get into my equifax account via email and phone but since I can not answer the question asked about loans I Mmmm someone tried to obtain during covid in my social or name it does not let me get to a live agent. Ive mailed a letter as well with no success. This could be why my credit is suffering and I can not get any type of loan or dispute what means not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NEW YORK COMMUNITY BANCORP INC
State: LA

Complaint narrative:
I sent over divorce decree and death certificate XX/XX/XXXX and was expecting to receive new documents with my name only not sure why his name was listed the loan and home was purchased as separate property and in my name only.

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 2023-11-28 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I need to resubmit this complaint to NR/SMS/XXXX. I have communicated with them about the inaccuracies on my credit report, including discrepancies in the dates of the last movement, dates opened, dates detailed, and installment status. Despite their assurance of conducting a thorough investigation, more than 30 days have passed, and upon checking my credit report, I see no changes and no corrective actions have been taken. My rights have been overlooked on multiple occasions. 
According to 15 U.S.C 1681 Section 602 A, I have the right to privacy. Additionally, 15 U.S.C 1681 Section 604 A Part 2 stipulates that a consumer reporting agency can not furnish a report without my written instruction. To formally address this issue, I filed an FTC report with the report number 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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Sent a letter about a month ago to XXXX, Equifax, and XXXX and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Sent a letter about a month ago to XXXX, XXXX, and Experian and in which it was supposed to be 4 business days uhm per 15 1681c-2 the items that were sent to the companys were supposed to be blocked also the items were sent was supposed to be removed

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 2023-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In approximately XXXX I moved to XXXX XXXX  from XXXX. I started bank accounts with Chase Bank in XXXX, NY. A safe deposit box was given to us. I stated at the time that I did not want it, nor did I need it. The Chase employee said not to worry that it was free and I didn't have to use it. In XXXX we moved from XXXX XXXX to XXXX. We made arrangements to move accounts and met with the bank to close the safe deposit box. In XXXX we moved back to Michigan and then in XXXX, Chase sends us a notice that we still have the safe deposit box and that they will no longer be free and we will be charged {$90.00} a year rental. My wife called to dispute this and was told the box was never closed and that they never received the keys. Chase also stated that we have to be there in person to close the box, there is no other way. We have been trying to close this in every way possible an simply think that it is unfair to start charging for a safe deposit box and give me no other way to close it than to travel XXXX plus miles each way to close this in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX  I visited Bank of America on XXXX XXXX XXXX, XXXX, NJ to withdraw {$2700.00}. I was helped by a teller named XXXX who consulted with his superior, XXXX. After speaking with XXXX, XXXX told me I needed to go to an ATM to withdraw my money. I informed him of the ATM limit of {$1000.00} and I asked to speak with XXXX. I informed XXXX of the ATM limit and that I needed to withdraw the money because my employer will no longer be banking with Bank of America. XXXX said I can withdraw a maximum of {$1500.00} because I do not have an account with Bank of America. I withdrew {$1400.00} so I can withdraw my remaining balance from an ATM. 

My complaint is : I believe Bank of America withheld my money arbitrarily and against the customer agreement by trying to turn me away to an ATM and then imposing a maximum I can withdraw from my money that is deposited in their bank. Regulation E is inconsistent with banks arbitrarily withholding and arbitrarily conditioning people 's deposits.

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 2023-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA

Complaint narrative:
Began to make a mortgage payment online beginning XXXX XX/XX/2023. Unable to log on for several days straight. Finally found out XXXX 's computers are shut down due to an security problem. I called them on XXXX XX/XX/XXXX  and obtained this information. They said there is no way to make a payment with the exception of sending the payment through the USPS. I am away from my home area and have no checkbook with me and my bank has no branches here plus USPS takes weeks to deliver mail. N way to pay my monthly payment on time now. The company escalated my issue and promised a call back by XXXX XXXX  but didn't call me. I just called them again and was told to not send any payment to them as it most likely will not be processed anyway. I was told to call back next week.

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 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Connected to get address removed

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 2023-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
A lot of hard inquiries i didnt agree 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 2023-11-28 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: NC

Complaint narrative:
I am not liable and refuse to pay this debt with XXXX, I have no contract with XXXX XXXX XXXX  in regards to account # XXXX. 
The information on my credit report is inaccurate and I demand that it be investigated and removed immediately to avoid further legal actions against all parties involved. Thanks in advance

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