vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America - free Spirit Card, I paid off balance in full before the due date to close the account. They charged me interest anyway- {$1.00}. There is no way to get ahold of them on line and the cost of postage is near what this fee is. I believe this is their way of making it that you can never pay off your account, they will always be charging you interest.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been having issues with the business practices of Chase Bank for the last 3 years. Most recently a mortgage payment was returned. I did not receive any notice and the entire transaction is not listed on any statements. I made an in branch appointment only to be called by the branch manager prior to see exactly what I was needed an in person visit for. And again when I entered the building. The employee I was to meet was unavailable so I was assisted with another employee who was in fact able to verify the payment was returned but could not give explanation as to why I did not receive notice. My account balance changes sometimes XXXX times daily, I now screenshot the morning balance and closing balance due to how my checking account gets handled, for instance payments or checks have incurred NSF fees for being posted XXXX with payments credited to account minutes later. Some payments post mid day and incurred fees not even having account negative for XXXX. When asked for refund of fees, I am told I have surpassed the allotted refund policy even with this technicality. 
I have also had the unfortunate tasks of filing an FTC ID Theft complaint, due to having medical ID theft of my deceased mother with my contact information in XXXX. Most recently I have had to dispute a background check XX/XX/XXXX that lists I use an aliases. I completely blame the actions, biased nature, and total negligence of Chase Bank who intentionally gave personal information to conflicted officials. Without proper authorization. I was able to confirm through county records and social media that there is direct relation to the officials and perpetrator using personal information that Chase was responsible for. The fact that the XXXX employees who collaborated in the release of information that was incorrect is totally baffling to me. Receiving calls from a bank with threatening tones telling you to stop calling on accounts you hold and wanting information that now will not confirm or deny is unsatisfactory. Chase Bank Id like you to explain. And please use the same protocol you have not afforded me, put it all in writing and apply all of State and Federal regulations for your actions and or lack thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 31 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

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 2022-09-20 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: PA

Complaint narrative:
All credit report agency are showing a XXXX XXXX that over 14 months ago. Ever month this cost me cause I was charged a higher interest rate or denied credit. Also Experian also shows affirm late which the company claims is false they don't report to credit report agency.

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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account & Wrong Information Reporting I have continually and ongoing have told Experian that this account is account does not belong on my report. I have asked the company to verify and yet again they are reporting the wrong information. How did you verify? but didn't notice that this company has the wrong address, wrong name on the loan and a few other discrepancies. There are names and addresses on the documentation they have provided that I do not recognize and have never been associated with, I and demanding you reinvestigate this account and update my credit report with this account 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 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has falsely claimed they have completed their investigation into my dispute. Transunion did not actually investigate my dispute as my dispute was about my uniformed decision as outlined in 15 USC 1601-1602 with these alleged debts when I entered into these consumer credit transactions. With these transactions there is no evidence of indebtedness the only evidence of indebtedness was by way of the agreement but because of the uniformed decision that agreement is null and void. It is null and void because I made a uniformed decision, I did not understand its meaning, and it was not clear and conspicuous. Transunion did not investigate this as they can not legally confirm if the agreement was clear and conspicuous.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit managemnent calls and has sent a letter stating that I owe them XXXX. I have told them numerous times that this account theyre calling about is not mine and I have never applied for them. I have spoken to them multiple times about invistigating this as fraud. They sent a letter that says attorneys are going to sue me for this debt. I dont know what to do and I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX Southwest Recovery Services XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 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 2022-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: PA

Complaint narrative:
This all started on XXXX XXXX. I received a letter from Pennsylvania Dept of Military and Veterans affair. XXXX Regenal office XXXX. The letter is for tax exemption, on XX/XX/2022, I faxed PennyMac ( Morgage co. ) the letter stating that i am tax exempt from XXXX tax assessment office. I also gave the letter to township office and school tax office. I also keep a copy for myself as i was told to do so from XXXX tax. From that point PennyMac sent me a check in the amount of {$2100.00} dollars. At this time PennyMac contacted me saying that my new Morgage payment was now XXXX dollars, which i paid the following month ( XXXX ) In XXXX of 2022 XXXX sent me a bill that my Morgage is now XXXX. Which i contacted them to let them know that i was tax exempt and that my payment was XXXX then the next day they called me back and stated i was NOT tax exempt and took my taxes up to XXXX. Since then, we have gone back and forth numerous times to resolve this issue and each time telling me i am not tax exempt, I have even had the tax office of XXXX County send me a copy of my tax exemption which i then forward on to PennyMac. Grant you before all this started my Morgage was XXXX. Since then, i have had three or four different Morgage quotes from PennyMac. Need your help please. Thank You XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
I opened a target XXXX XXXX  in XX/XX/2021. The card had a balance of XXXX which I paid using my checking account at XXXX. The payment got returned and target stated that the account information was incorrect. I worked for XXXX for over 9 years and know for a fact that the information was correct. After confirming that I had the correct information I used the online pay tool again. That second payment came back and target closed my card. I became upset and paid XXXX the balance on XXXX XXXXAfter letting target know i will not be paying the late fee or interest due to the issue being on their processing side they continue to harass me and add late fees/interests to my closed account. They are reporting me delinquent and that is affecting my XXXX XXXX. I have filed a XXXX  complaint with out resolve of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Sunday XX/XX/XXXX at XXXX I received an email notification that the phone number on my account had been changed. I did not initiate this, nor do I know the number. I was on the subway when I got the notification and I got off at the next stop ( less than 5 minutes to call Chime member services. I called at XXXX and was on the phone for 20 minutes before I was able to speak to a human. In that time the person who took over my account sent {$5000.00} to themselves. after explaining what happened to the first rep, I was placed on hold for another 10-15 minutes to be sent to the claim investigation department. I gave my information to a rep. Stating that no one had access to my account or the password and that I was currently holding my debit card. She ( I think her name was XXXX or XXXX ) told me that an investigation was opened and could take up to 45 days to complete. After that, I transferred all of my money out of the chime account and into my other bank account. l also changed my phone number back. 

Today I got an email from Chime stating that they " determined no error had occurred. Therefore no funds would be credited to my account and this claim was closed. This is beyond disgusting that money that I worked hard for was able to so easily be taken and the bank I kept it in to refuse to do anything about it. I have requested the documentation that they used to come to this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
on XX/XX/2022, XXXX Insurance reported to lexis nexis that I was involved in an accident with my son 's vehicle on XX/XX/2022. 
I contacted XXXX to correct the information that it was my son that was driving and was involved in the accident. 
XXXX refused to correct the information. 
I then contacted lexis Nexis to dispute the information, I offered to submit a signed affidavit from my son indicating that I was not in the vehicle on this date. 
Lexis Nexis refused to take the statement and instead did a generic review of the record and indicated that the information they had on record was correct. 
This inaccurate information is costing me a fortune in insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received an alert from my credit card company that a new inquiry was made on XX/XX/2022. This was a hard inquiry from Bank of America. I called Bank of America and was told a XXXX account was opened. I have not nor made any credit application since XX/XX/2022. This was a fraudulent account opened with my information. Bank of America was advised and has closed this account. I also contacted XXXX as well and notified them of fraud activity. I was advised to also report this to FTC.GOV which I am doing now. I asked Bank of America what information was used such as mailing address, email and phone number but was told they could not provide the information. 

Ant investigation into this would be appreciated. Please advise me if further information is needed.

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 2022-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
My credit report showed fraudulent activity. Auto loan and credit cards which are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Yesterday I noticed that Credit Bureau Associates of XXXX, GA reported a medical collection on my credit reports. First I called XXXX, to talk to a representative to see if that collection could be reported. As we investigated, it was shown that the company should not have reported to my credit. That the medical debt was not passed due for 1yr with their agency. That law was passed this year 2022. The reprint then informed me to call the collection agency and ask them to remove the collection since it's in violation of th fcra. I called the collection agency and spoke with an representative, she informed me that they can not remove the collection, but can close it if I set up an arrangement. I told her I can set up an arrangement if the debt was verified and not in violation of the hippa law that protects my health information that they are not privileged to. So I asked again could it be removed. She told me no and transferred me to " XXXX '', a supervisor. XXXX continued to say that she can't remove it and it's not in violation and she doesn't have to validate any debt pass 45 days. I asked her how could she not validate a debt when requested? I never knew a company could refuse validation. She continued to say that she doesn't have to do anything and since I disputed it she still doesn't have to validate. She continued to say she can see my visit, and tests that the insurance supposedly paid for, that is information that she should not have. I feel offended. I would like this debt removed from all three of my reports. If validated I will pay collection. I just want to make sure everything that has been done to me is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
On XX/XX/2022, I asked an American Express agent to provide me with a link so that I could upgrade my Amex gold account to an Amex platinum account. I told an online Amex agent with whom I intended to upgrade my existing card that I did not want a new account, as it would hurt my credit score, and explained that my wife and I are financing our first home. I did not want a new account on my credit report as my loan agent advised me not to open any new accounts. Because this was through an online Amex agent, this conversation is in writing, where I expressed many times to American Express that I did not intend to open a new account. Days after clicking and signing the link Amex provided me, I noticed that in addition to having my existing account with Amex upgraded, an entirely new account was opened in my name, against my wishes. I immediately closed the erroneously created new account upon realizing what had occurred. I have called Amex customer care seven or eight times and was told there is nothing they are willing to do to remove this from my credit report, even though I have documentation in writing with their representative of my wishes not to create an entirely new account. For the next seven years, I will have this opened and closed American Express account ( Dated XX/XX/2022 ) on my credit report, which Amex opened against my wishes. I would like this removed immediately from my credit report, and Amex should work with me in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I went to Toyota of XXXX to get a diagnostic done on my vehicle. A sales manager brought up the idea of me selling my car to them and I was given a verbal offer of {$9000.00}. I let him know that I would shop around and make a decision. I returned to the dealership on XX/XX/XXXX and completed the appraisal to sell my car. At this time I was given a new amount of {$8000.00} to which I agreed to. I gave the dealership the vehicle, my keys, signed over my original title and received a receipt for the {$8000.00} appraisal. I was told to return on XX/XX/XXXX to retrieve the check for my vehicle. I filed a HSMV XXXX and surrendered my plates to the DMV. 

I was called on XX/XX/XXXX, and advised that the price had now changed to {$7000.00}. At this point, I frustrated as I felt that I was being taken advantage of. I returned to the dealership and a sales supervisor by the name of XXXX advised me that the sales manager was trying to get over on me and he does this to women often. I assumed this process was complete but, nearly a month later I have not received my check for my vehicle. I would like for this to be resolved and my check issued immediately. This is not a mom and pop dealership. This is a corporate location and this entire ordeal is unprofessional and tasteless. I should be treated as any other customer and this is unacceptable and needs to be handled with urgency. 

I have called the dealership numerous times to speak with the XXXX  & customer relations manager and they are never available. 

I will be sending an email to the CEO & board of directors about this poor experience.

Company response to consumer: Closed with explanation