vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Hello, Id like to raise my concern regarding this company whos taking money from my account constantly. Last XX/XX/XXXX, i took an eye examination which isaw in advertisement, it says will cost you a pair of glasses for only {$59.00}. I went there and they took the test but when you are there some promotions or tricks that will cost you up to {$1400.00} if you get approved by a funding company ( XXXX XXXX ) they fund me {$600.00}, then they will offer you this and that. at first they took {$50.00} downpayment XX/XX/XXXX, and then they deduct again in my account XX/XX/XXXX {$26.00} and another one after 3 days XXXX XXXX $ XXXXand the worst part is that i havent received the product. Theyre taking so much money now and i dont like it.I want to cancel it but they havent replied yet and its hard to contact on customer service. 


Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 
Explore Customer Portal If you have any questions you can chat with us ( Monday - Friday XXXX XXXX  - XXXX XXXX, Saturday XXXX XXXX  - XXXX XXXX  MT ). 
Sincerely, Acima Credit | Customer Service Dear XXXX XXXX, Thank you for your recent payment on your lease with Acima Credit. This confirms your payment has been processed Rent : {$26.00} Fees : {$0.00} Taxes : {$0.00} Payment Date : XX/XX/2020 Payment Method : Debit/Credit Card Payment Account : XXXX Transaction ID : XXXX To view more information about your lease like, future payment dates, remaining balance, early purchase discounts, and make additional payments visit our Customer Portal. 

Dear XXXX XXXX, Thank you for your renewal payment of {$50.00} related to your recent transaction at XXXX XXXX XXXX XXXX - B. The details of the transaction may be found below : Transaction ID : XXXX Rent Payment : {$50.00} Tax : {$0.00} Total : {$50.00} Transaction Date : XX/XX/2020 If you have any questions, please contact our Processing Department at ( XXXX ) XXXX. 

Sincerely, Acima Credit | Customer Service Department

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 2020-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Step 1 : What is this complaint about?

This complaint is about Bank of America 's practices regarding notifying their clients about transaction in real time and their arbitrary ways of assessing fees.

Step 2 : What type of problem are you having?

I having issues with overdraft fees and transactions not appearing on my account until the day after they went through.

Step 3 : What happened? 

I issued a check, which was cashed by the recipient - however, it never showed on my account until the next day. I went to the bank the day before to confirm that the check was cashed, the cashier or the manager could not see the transaction. I was unable to see it on my app/online banking. I monitored my account for over 24hrs and did not deposit any additional funds because I wanted to get an explanation as to what happened to the check. after 72hrs I did not see the transaction, I went to the bank again and nobody was able to see the transaction. I continued monitor the account- the next day, I was notified by my BOA app that my account was negative because of the check. I called the bank for an explanation as to why a transaction that took place 4 days ago is now showing on my account as if it took place the day before. And if it took place the day before why was not notified? I was told - " we dont know how the back office stuff works, but you are still responsible for the overdraft fee ''. That one charge snowballed into over {$500.00} in fees. I exhausted all of my options at this point to fight these fees. 
Step 4 : What company is this complaint about?

Bank of America.

Step 5 : Who are the people involved?

Myself : 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 monetary relief
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in documentation to both bureaus XXXX  and Experian regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ONEMAIN FINANCE CORPORATION
State: IL

Complaint narrative:
CREDIT INQUIRY ONEMAIN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am the holder of a credit card that was issued by Wells Fargo. Upon becoming learnt in the law and the rights afforded to me as a consumer I realize that there is a high possibility that there is a breach of contract/agreement. On XX/XX/2019 I sent by certified mail a billing error dispute ( affidavit ) which I have proof of delivery through my return receipt. Wells Fargo did not provide response of evidential value to my billing error dispute nor any of the other affidavits that I had sent by certified mail. Please see copies of all correspondence that was sent to Wells Fargo. Am requesting you assistance in clearing up false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I recently applied for a credit card with BofA but was declined due to 2 reasons : 1 : not enough relationship with bofa ( not a lot of funds ) 2 : too many inquires I would like to use this opportunity to remedy and explain : I highly value my relationship with BofA and therefore I have deposited decent amount of cash, if the card is approved I will be going for Platinum Honors status by depositing additional funds. The reason for too many inquires is because I have been applying for the same card from the same institution with no result - XXXX. I hope BofA can take another look at my application I have attached my debit card number with this inquiry

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 2020-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There were inquires made on my credit report that was not authorized by me. 

XXXX XXXX Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX/XXXX  Date : XX/XX/2020 XXXX   XXXX XXXX  Date : XX/XX/2020

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 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My personal checking and savings account was deducted for direct pay made out to me XXXX XXXX from something called XXXX XXXX XXXX XXXX I never received one payment other than the stubs from Bank of America Association Corporation private bank. Iam attaching the mailer Bank of America sent me stating if the direct payment from my account Im also wondering why I cant access my XXXX account attached to my BofA account thank u.

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 2020-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE A CAR PAYMENT SET UP WITH CAPITAL ONE AUTO FINANCE! THE ACCOUNT NUMBER IS : XXXX. FOR THE LAST 5 YEARS I HAVE PAID MY CAR LOAN TO CAPITAL ONE BY TELEPHONE AT THE END OF EVERY MONTH ( TELEPHONE RECORDS TO PROVE IT ) FOR {$360.00}! ON XX/XX/XXXX I SPOKE TO AN AGENT, LIKE I DUE EVERY MONTH, TO VERIFY MY PAYMENT! ON THIS DAY I SPOKE TO AN AGENT CALLED XXXX AND I CLEARLY EXPLAINED TO HIM THAT I WAS GOING TO CALL THEM AT THE END OF THE MONTH TO MAKE A PAYMENT! WHEN I CALLED ON XX/XX/XXXX AN AGENT CLAIMED THAT THE MONEY WAS ALREADY SENT OUT TO THEM WITHOUT MY LEGAL PERMISSION TO DUE SO! THEREFORE CAPITAL ONE BROKE THE LAW! I ALSO HAVE BANK RECORDS TO PROVE THAT I MAKE THE PAYMENTS AT THE END OF EVERY MONTH! BECAUSE THIS MONEY WAS ILLEGALLY DEDUCTED FROM MY XXXX  CHECKING ACCOUNT I HAD 2 CHECKS THAT BOUNCED AND WAS CHARGED XXXX IN OVERDRAFT FEES! CAPITAL ONE BROKE THE LAW AND THEY SHOULD BE PUNISHED FOR THIS OFFENSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXXXXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : CXXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A better description of what happened to me is posted here : XXXX XXXX XXXX Background : I have a new bank of america credit card and signed up for auto-pay, selecting the " amount due '' option to be payed on the due date. There is another " pay minimum amount '' option that was left unchecked. The problem is that selecting " amount due '' actually results in paying only the minimum amount, resulting in interest charges. There have been multiple online complaints over this and B of A refuses to fix this confusion and continues to collect interest payments as a result, which is WRONG. 

Specifics 1. XX/XX/20 : I received an alert on the due date that only the minimum payment ( {$140.00} ) was received. I went online to try and pay this manually but the site was down and payments could not be administered manually. 
2. XX/XX/20 : I called B of A and complained. They said they would register the complaint but indicated I needed to call back if/when any additional charges were added. I went online and paid the full amount manually ( {$3200.00} ) 3. XX/XX/20 : I received a statement indicating {$39.00} interest charges were added because only the minimum payment was received on XX/XX/20 from the auto-pay option " amount due '', again " pay the minimum amount '' was UNCHECKED. 
4. XX/XX/20 : I called B of A asking them to remove the interest charge of {$39.00} and they refused stating that if you clicked a separate link ( that was not included in the pull down payment options ) it explained that " amount due '' and " pay minimum amount '' are the same and may result in interest charges. 

B of A can and could-have easily fixed this confusion as several others have complained per previous link -- - but they refuse to do so to-date. Their explanation was that this global payment portal was used for several different types of payments and that for credit cards -- - " amount due '' and " pay minimum amount '' are actually the same thing, which results in interest charges. I believe this is purposely misleading the public to collect additional interest and is something that can and could-have easily fixed.

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 2020-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
The Escrow Account Disclosure Statement I received from Pennymac dated XX/XX/2020 states that my total payments from Escrow are {$3300.00}. The minimum required balance is stated as {$490.00}. This should only be " no greater than 1/6 of the estimated total annual payments from the account. '' I am being overcharged by {$310.00}. The correct amount is {$170.00}. 
I am worried that this company is taking advantage of millions of consumers during this dreadful time by collecting and using this money interest free. Please investigate.

Company response to consumer: Closed with explanation