vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX  account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to bring to your immediate attention the persistent inaccuracies on my credit report, specifically pertaining to late payments on my XXXX  account with the account number XXXX. This matter is of utmost urgency, as the reporting inaccuracies are not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ), but they also constitute a blatant disregard for the consumer protections enshrined within the legislation. 
Under the FCRA, 15 USC 1681 ( a ) ( 2 ) ( i ) explicitly mandates the accuracy and fairness of consumer credit reports. It is with great concern that I must address the egregious inaccuracies in reporting, specifically in relation to late payments on the aforementioned XXXX  account for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of 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 2023-11-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the second time I've had to file a complaint about this issue. Bank of America has wrongfully denied my disputed transaction claims. There is a claim for {$12000.00} and a claim for {$3000.00}. I have filed police reports which I provided to Bank of America, I also provided copies of the e-mails between me and XXXX support regarding me being locked out of my account and my XXXX pay being deactivated. Large amounts of the transactions were done via XXXX pay. But I had been locked out of that account as well as my e-mail account during the time that the transactions took place. After filing my claims with Bank of America and providing them with more than enough supporting evidence on my behalf, they still proceeded to deny my claims and my appeals. After I filed my first complaint with CFPB, I was contacted by a complaint resolution representative from Bank of America and was told he was going to look into my complaint. This consisted of him sending me a recap of my interactions with Bank of America, and a copy of their terms and conditions. And then his conclusion was, " as no fraud was deemed to have occurred for [ claims # XXXX ], the Zero Liability policy does not apply. '' This response was ridiculous and insufficient because all he did was tell me what happened and then state an obvious fact. I am aware that they think no fraud was committed, that was my entire issue and reason for my complaint! He did not provide me with any supporting documentation or explanation. The only time I have received copies of the information they used to come to their decision was after I contacted them in XXXX, at which time they mailed me this information. And that consisted of a piece of paper that had my old e-mail address on it and then a note about me logging in with that e-mail using a high level of authorization. That's it. That is all they used to come to their decision, and I find this unethical and a violation of their terms and conditions due to the fact that the email address they were referring to wasnt even the e-mail that I was locked out of and had nothing to do with the transactions! I didn't even use that email for my XXXX account. Also, in their terms and conditions it states that once a claim is filed, if they are not able to come to a decision with 10 days, they will credit the account on the basis that if the claims are denied and the credit is used, the money would be owed. They took much longer than 10 days to resolve my claims and my account was never credited. I have never been treated so unfairly and so poorly by a financial institution in my life, and they are refusing to return my money to me with absolutely no valid reason.

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 monetary relief
Consumer complaint received 2023-11-27 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: IL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want t hese items DELETED from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. 

Please HELP me DELETE these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I sent my sister {$280.00} after I purchased a tv last week. On the XXXX XXXX  her card number was listed as primary so when I bought it payment was taken from her credit card and not my bank card. To pay her back I sent a check through Chime 's mobile app. When they send a check, unlike every other bank I have dealt with they go ahead and deduct the amount of the check from your account. What they do with that money during the time it was sent until it is cashed, who knows. I've long suspected they are making money from investments from the funds they hold from the debit card refunds. Before the tv was even shipped to me I decided that I didn't really needed and I had the order cancelled. I called my sister that she would be receiving a refund from XXXX on her credit card and went onto the Chime mobile app to stop payment for the check. The representative said he canceled the check and I would have my money in XXXX business days. I don't understand if the check was never cashed then it shouldn't have gone anywhere and it should go back immediately. I'm not sure, but if every other bank does not deduct the funds until it is cashed then it's got to be illegal. They are stealing peoples money to make profits. Profits that should be given back to the people that earned it in the first place and was stolen from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 explanation
Consumer complaint received 2023-11-27 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:
my inforamtion was sold and bought illegally because i was a victim of equifax data breach i want this items deleted from my credit report effective inmediately equifax had admittted that infact my info was compromised and equifa have done nothing about it until this day please help me delete this illegal accounts cars credit cars phones

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: TN

Complaint narrative:
My loan was transferred to Selene Finance in XXXX of XXXX. I filed bankruptcy in XXXX and my loan has been transferred to several servicers in the last XXXX  years. I had a modification in XXXX that I acquired legal fees that show on my payoff balance with the understanding that the fees would be paid on refinancing or if I ever provided them written consent to appy payments to that balance. In XXXX, XXXX had a different website/payment system and I was unable to view payment history or see where payments were applied. In XX/XX/XXXX they updated their site and I am now able to view payment history and see where payments were applied and found numerous discrepancies. XXXX sent me a payment history from their system as well and does not match the site. I have also found on numerous occasions they have applied part of my mortgage payment to previous legal fees that I did not authorize. I am now trying to refinance and these issues are causing me delays in declines with prospective mortgage companies. I have asked XXXX verbally and through writing to fix the errors and they are either non-responsive or take weeks to get back with me. I called last week with a XXXX party to verify mortgage and the customer service rep with XXXX was not cooperative and would not provide the needed information over the phone and stated they would have to have the request in writing. I have provided research to XXXX on the discrepancies and receive different feedback and info with every interaction with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I recently received a copy of my credit report and noticed several unverified and unauthorized hard inquiries. I am writing to dispute these unauthorized inquiries on my credit report. 
At this time, I am requesting that you please delete and remove the following inquiries below due to identity theft HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are affecting my credit score negatively and were unauthorized, time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 
Please send me a copy of my updated credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My information was on Equifax and I was a part of the settlement my info was put out publicly and XXXX won't tell me who's over the breaches on my dark web report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: VA

Complaint narrative:
Hello, Ive been trying to get access to my mortgage statements for two of my houses. Loan Care website has been down for over a week. I spoke with their customer service representative on XXXX. They arent able to provide me the statements either. I was asked to wait till XX/XX/27 but the website is still down. I need my statements to review accuracy of the escrow. I also need it for a HELOC I applied at another lender.

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 2023-11-27 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: GA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: GA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED

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 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Up to XX/XX/2023 I have been on time with my payments. I had an unexpected emergency expense and wasn't able to make my monthly payments. Now, Comenity Bank is calling nonstop harassing me. I had already contacted the XXXX XXXX XXXX and they are going to work with my creditors. I have told Comenity this over and over and they still call and harasse me. I even told them, " cease and desist all communications with me immediately '' and they continue to harasse me. I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 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: MI

Complaint narrative:
Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX  Account Number : XXXX  Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I was able to log into my Citibank account # XXXX to check the balance. XX/XX/XXXX, I logged in to see if a deposit was made to my account and was unable to login. I gave the company a call and I was told that my account was blocked. The customer service rep was unable to give me an answer as to why my account was being blocked so I called back the next day which was Monday a business day XX/XX/XXXX. I was told by a company rep that my account was in the process of being closed without notice of any transactions being flagged or notification of any suspicious transactions on my account. 

I went to the XXXX XXXX branch on XX/XX/XXXX hoping to resolve the issue the banker was just as confused and gave customer service a call. The banker was told theres nothing he could do and I would have to wait for a letter to arrive in the mail. I received a letter in the mail on XX/XX/XXXX but the letter did not detail why my account was closed and why my money was being held. I returned to the XXXX XXXX branch. The branch manager tried to resolve the issue by asking customer service if he could return my money in the form of a check to me printed out at the bank that day, but was told not to by customer service. They told him I should wait for a second letter in the mail explaining why my account was closed it can take up to 90 days.

This account is primarily used for my tenants to send their rent money to might as well as Housing authority city of Los Angeles rent payments for a tenant. There are three transactions that are deposited into my account each month and the only outgoing transactions are to my mortgage at XXXX and to maintenance and utility bills. A total of XXXX transactions a month. 

Due to Citibank closing my account unknowingly I was unable to pay my mortgage with the money that was sent to me for that specific reason. 

It is unfair that my account was closed without knowledge, and with the bank holding my money without reason.

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 2023-11-27 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have had an account ( in very good standing ) with XXXX XXXX for numerous years. This year my account was sold/transferred to Comenity Capital Bank . Once this bank began billing me for my monthly installments, I have noticed that my credit limit is stated at {$4500.00}, however my available credit is listed at {$0.00}. I have contacted both, XXXX XXXX ( XXXX XXXX , XXXX ) and Comenity Capital Bank to inquire as to this matter and have not received a response from either companies. I am requesting an explanation as to why my available credit limit has been cancelled/eliminated. Further, my credit history with XXXX XXXX , XXXX has been stellar and have never had a problem with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
The company : American Express Subject : Formal Complaint Regarding Change of Due Date I am writing to formally address an ongoing issue with my Business Delta Skymiles credit card. Despite multiple requests and agreements, the company has failed to implement the requested change of due date on numerous occasions, resulting in the incurrence of multiple late fees. 

While the company initially credited two late fees as a remedy, the problem persisted. On the third attempt to modify the due date, the company once again failed to make the necessary adjustment. Consequently, another late fee was debited from my account. 

Despite providing evidence of a recorded phone conversation where the change of due date was confirmed three billing cycles prior to the occurrence of this late fee, the company has refused to acknowledge any wrongdoing. Furthermore, they have declined to reverse the most recent late fee. 

This situation is both frustrating and financially burdensome, and I am seeking resolution for the undue late fees incurred due to the company 's failure to adhere to the agreed-upon changes. 

I kindly request a thorough investigation into this matter and a prompt resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief