vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a complaint..but more so how can you scenario. How can banks, lenders, get away with charging high interest on vehicle loans? Your purpose is to HELP PEOPLE, Not XXXX them and set them up for failure. You feed and prey on high risk people such as my self. Deferring payments doesn't help. 13 % on a car that's not worth XXXX $ a month is ridiculous. While yes I signed the papers, I was desperate. High risk people deserve the same rates as those that aren't high risk. At XXXX 8 % on interest. But when someone asks you to lower their interest for at least 6 months, you should TRY to help them. Not defer payments and not punish them by threatening repossession. You Have No Idea What that person is going through and why they got behind. Maybe they're embarrassed to reach out or ashamed. Regardless, your job as lender is to help. If you're planning on charging high interest, you're better off denying the loan. Some us of are trying to better our credit and 13 % at XXXX $ a month isn't helping. Wells Fargo had to do a huge payout ... and they still haven't learned their lesson because they're still screwing people over.

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 2024-02-03 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: GA

Complaint narrative:
I see that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the incorrect account that needs to be reinvestigated and correct : 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 explanation
Consumer complaint received 2024-02-03 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: 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 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 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 non-monetary relief
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, and Equifax are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent to XXXX, Equifax and XXXX XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX Bank of America , N.A . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear Bank of America , I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. Denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, 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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Refer to the attached documents. I want the bureau to commence an investigation into these accounts, as I have never been late, but they are incorrectly reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I took my family out for ice cream and got double charged by XXXX. I noticed this the next day and had to wait for these transactions to be posted to my account. When I checked out for the ice cream purchase, the representative asked me to rerun my debit card because it didnt go through the first time. So, of course, I did and then received the charge in my checking account twice. Regions Bank has denied my claim and refuses to speak further if I do not have any more information about my claim. I have contacted XXXX to get my money back, and they told me that it was a double charge because they have had issues with their new registers. I still don't have my money back and I am waiting for the manager to contact me tomorrow. I am a concerned client because I thought this is what regulations E was Supposed to cover for the consumer. I am extraordinarily dissatisfied with how this dispute was handled by the Regions bank and their representative.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I had a secured credit card with XXXX XXXX. XXXX XXXX closed my account and placed account in collections as a charge-off and sold to Portfolio Recovery who is reporting the inaccurate information to all 3 Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) XXXX I have tried to contact XXXX XXXX on several occasions to provide me with a copy of my original contract and to provide me the receipt of payment from my initial secure deposit. XXXX XXXX Representatives have told me that I need to contact Portfolio Recovery regarding the issue and when I have contacted Portfolio Recovery they inform me I need to contact XXXX XXXX Portfolio Recovery is currently reporting my account as open which is inaccurate and there is also an inaccurate balance of {$610.00} being reported as well. When Ive requested for my original contract, I have only been sent a past statement which does not show my contract terms, date contract was signed or the secure deposit amount paid to open the account. If I owe a debt, I would be more than willing to pay that debt but I will not pay a debt amount that is not accurate. The inaccurate information being reported on my credit report has been affecting me negatively, and I have been denied for a bank account, employment, and housing due to the negative information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: IMC Capital, LLC
State: NY

Complaint narrative:
I dont know any of these allegations. Someone is using my information. Were it need to stop. Can you please help me with that. Thank you and have a blessing day.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late.

Thank you! Please see the screenshots attached.

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 2024-02-03 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: FL

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NE

Complaint narrative:
On XX/XX/XXXX I clicked on the banner add on my Chime account offering a limited time {$170.00} referral bonus for me and a {$100.00} bonus for the person I referred. The banner provided a link which my husband who I referred used to open his account. 
XX/XX/XXXX - my husband called Chime and was told we had to wait 2 days for the referral bonus to go in and all was good with the deposit. 

As of XX/XX/XXXX, neither of us had received any referral bonus. After calling in multiple times on XX/XX/XXXX, agents were able to confirm that we met all the requirements and manually credited us each {$100.00} because the system failed to recognize my husband 's Direct Deposit transfer from his employer but he refused to honor the additional {$75.00} to my account. 

I was advised to call back and did so immediately to address my account and ticket number XXXX was opened and reviewed by an agent identifying herself only as XXXX claiming they did not have any employee identification numbers. She stated that the {$75.00} would have to appear automatically understanding that the system failed to recognize the {$100.00} deposit and had to be done manually. She stated clearly adn directly that Chime as an organization had no way to manually honor that agreement and further escalation to any other department would result in the same information. If it didn't happen automatically there was no way to do it. 

I want the {$75.00} owed to my account as Chime has confirmed that we met all the requirements, used the correct link and met the timeline and amount necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX American Express General council office , center for cardmember and merchant litigation Mail code number : XXXX XXXX XXXX XXXX. XXXX Ave. XXXX XXXX Plantation Florida XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear American Express, I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. 

As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. 

During a conversation with your agent on XX/XX/2024, identified as XXXX XXXX XXXX, I was informed that American Express does not have an obligation to provide me with the authoritative copies of the XXXX credit card applications in your possession. I believe this denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. 

In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. 

I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. 

Thank you for your understanding. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
An online order was placed on Macys.com using my macys credit card on XX/XX/XXXX. Delivery shows as delivered vis XXXX XXXX XXXXXX/XX/XXXX, USPS XX/XX/XXXX, XXXX XX/XX/XXXX says delivered @ mailbox when no mailbox is in front of the home, they are community mailboxes, XXXX XXXXXX/XX/XXXX, and XXXX but there is no longer tracking available for that. I contacted the Macys online order department and filed a claim explaining the packages were never received and the two items that needed to be picked up at the store were never picked up since they were no longer available. The claim was put in on XX/XX/XXXX, then the claim was denied with no reason given after that I spoke to multiple different people with multiple different departments and the claim kept getting denied, I was told to file a police report which I did and even emailed it to them and still they denied basically saying I still owe the {$400.00}, one explanation I got was that my name was linked to multiple macys online accounts, a long time ago I had a Macys card that was linked to an XXXX email which hasnt been used and then an XXXXXXXX XXXX both those accounts have been deleted but to them it doesnt matter as long as they have a reason to deny, it seems to me they really dont care about their customers at this point. Today XX/XX/XXXX when I called they said to file a claim unfortunately thats not possible because its been more than 60 days and Ive been trying to resolve this with Macys.

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 2024-02-03 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:
I reported identity theft and they wont remove anything from my 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 2024-02-03 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 reported identity theft and they wont remove anything from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The U.S. law that governs credit bureaus reporting UCC ( Uniform Commercial Code ) filings is the Fair Credit Reporting Act ( FCRA ). The FCRA sets the guidelines for how credit reporting agencies can collect, maintain, and report consumer credit information, including UCC filings. UCC filings are typically made when a creditor has a security interest in a debtor 's personal property. The FCRA requires credit bureaus to provide accurate and up-to-date information to consumers and allows individuals to dispute any inaccurate or incomplete information on their credit reports.

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