vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I made a payment to my credit card account on the due date of XX/XX/XXXX but Im showing that a late fee of {$29.00} has been assessed?! The payment was made on the due date and the payment confirmation from the credit card company shows as being paid on XX/XX/XXXX. I looked and this also happened to me last month in XXXX. The payment information shows I paid on the due date of XX/XX/XXXX but I was still assessed a {$29.00} late fee. Im paying on the due date and the confirmation from the credit card company is showing I paid on the due date then why am I being assessed late fees? Additionally I looked up if there are cutoff times for payments and its disclosed by XXXX XXXX if a payment is made electronically or by phone before XXXX it will be applied to the account on that date and a late fee would not be assessed. Both payments were made on the due date online well prior to midnight. Attached is documentation to support all this. Ive contacted customer service several times I attached screen shots of the most recent interaction and the employee said that I should make my payment 2 days in advance because sometimes there could be technical errors. Im sorry but if there are technical systemic errors with XXXX XXXX payment processing then how is that the customers fault and okay to XXXX them a late fee when they paid on time and the payment confirmation shows they paid on time. The customer service representative told me the late fees could not be refunded! The representative tried to push me into auto deduct to avoid a late fee even though I made my payment in accordance with the terms and conditions disclosed. This is extremely deceptive and I cant even imagine how many customers this is happening too. When you contact customer service they admit there could be a technical problem but the solution is for me to schedule my payment well in advance. Please someone needs to research this and refund my late fees!! If I made the payment late then thats my fault but in these instances I did not and no one can explain why fees were assessed!

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 2021-05-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Under the law 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I hadn't been able to see any statements until recently which means i wasn't aware that there were late payments that XXXX  XXXX XXXX was reporting. The late payment being reported in my credit reports are therefor inaccurate and should be updated to current as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
Evidence of non-compliance with my report. Injurious reporting of non-compliance, failure, non-certified information on my report and its negative impact on my financial situation. 
XXXX and XXXX non compliance and violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
these are fraudulent inquiries and i want them removed I have had a fraud alert on my account since XXXX would like for these inquires to be removed creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, XXXX dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint due to the fact that I haven't heard back from XXXXMRE nor have I seen these alleged debts removed from my credit reports. In the attached files you can find an Affidavit of truth with exhibits, a Cease and Desist letter and a green return receipt showing that CMRE has received all of these exact forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MO

Complaint narrative:
My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) 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 non-monetary relief
Consumer complaint received 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/20 I sent a payment {$910.00} from my XXXX online bill pay to Exeter. Exeter deposited the check which was at first returned for NSF, Exeter resubmitted the check it was paid on XX/XX/20. Exeter refuses to credit my account and states the check was returned. XXXX has spoken to them and verified the check was paid, I have sent copies of the check shown as paid as well as my bank statement showing the funds withdrawn from my account and Exeter still maintains they did not receive payment. I have spent hours on the phone with them, tried calling their bank XXXX XXXX who would not help me since I am not an account holder, and have spoken to XXXX several times who claims they can not help because they released the funds to XXXX XXXX. 

It has been months and hours of my time, each month I am charged late fees for Exeter not crediting my account and my credit score has suffered. I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
on XX/XX/2021 I sent a letter regarding inacurate and unknown things on my credit report to this day, 40 days later I have not received a response yet. I feel like I am getting token advantage of due to the lack of not responding to my consumer complaints when addressing it to the corresponding. Now I am forced to take this route. My information is suspected of being impacted with the Equifax, and XXXX  data breach, it may have gotten in the wrong hands. please help me remove these unknown addresses link to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: GA

Complaint narrative:
The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward to file a suit against all companies involved. I have never done business with your organization ; I have done my own research it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Any person who willfully fails to comply with any requirement imposed under the Consumer Credit Protection Act, is liable to that consumer in the amount of {$1000.00} any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, such amount of punitive damages as the court may allow and in the case of any success action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

AssetCare your company is currently reporting a fraudulent account to my credit file in the amount of {$1400.00}. It is absurd that your company would put something like this on my credit file. I know for a fact that I have never done business with your company. I have attached my police report, as well as my legal affidavit from the Federal Trade Commission. If this account is not removed from my credit file in one business day, I will ask my lawyer to move forward with filing a suit against your company. I have attached my FTC FORM as well as Police report. This accounts should be removed from my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX Bank 2 ) XXXX XXXX Card 3 ) XXXX XXXX Bank 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX CU 7 ) XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have filed at least two complaints. I was receiving third party deposits in two of my accounts, this was going on since XX/XX/XXXX and before the deposits even ranged in we called to see was it okay. I then received a 888 hold on my account XX/XX/XXXX and once I called the bank they then sent me to risk closure where they told me that I had to add both the third parties to the account, I added one and when I was getting ready to the other account holder they said it was to Late and there was nothing I can do. I was also told no deposits would not be added into the account but they did accept my taxes as well as another huge deposit! I have been getting mislead information from the start now they called me saying the other party who couldnt be added can send in documents which he did! Ive done all they asked!

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 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX  5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) 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 2021-05-28 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: MO

Complaint narrative:
The following accounts has found its way on to my credit file. However, these accounts are fraudulently placed and needs to be removed immediately. Most of them are in ligation and therefore needs to be removed immediately. 

1 ) XXXX XXXX XXXX  2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) 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 2021-05-28 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: MO

Complaint narrative:
I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

1. XXXX  {$10000.00} 2. XXXX  {$3700.00} 3. XXXX  4. XXXX XXXX XXXX 5. Missouri Div Chld Support

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 2021-05-28 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: EQUIFAX, INC.
State: MI

Complaint narrative:
MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: MI

Complaint narrative:
XXXX XXXX is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/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 2021-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I have been disputing this account with " America First Credit Union '' several times through via mail for so long and no one has gotten back to me about all the inaccuracies and fabricated information they have put on my credit report. For over a year this account has been avoiding on verifying this account. They are violating my rights and FCRA all 3 credit bureaus have different information in regards to my " high balance '', different dates, etc so many false information. I need this account remove immediately. They have been so sloppy with reporting .Remove this account because it has not done nothing but complicate my life. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is an illegal debt collection in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This unlawful claim should be removed from my credit immediately, as Procollect , Inc. and XXXX XXXX XXXX APARTMENTS are involved in illegal credit reporting. Procollect, Inc. and XXXX XXXX XXXX APARTMENTS have no legal authority to ruin my credit reporting and implement unfair, deceptive, and abusive acts. 

Under the FCRA, Procollect, Inc. and XXXX XXXX XXXX APARTMENTS are liable for statutory damages, actual damages for injuries I suffered as a result, emotional damages for stress or physical ailments caused by this ordeal and punitive damages for these unlawful actions. 

Procollect, Inc. has repeatedly harassed me.The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. ( 15 U.S. Code 1692c ).

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 2021-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
A Navy Federal rep responded to my previous complaint saying that as long as I was in the field of membership I could apply well I have tried on several occasions since that reply and have not had any success. When you call they give you the run around and this is so frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28 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: Avant Holding Company, Inc.
State: PA

Complaint narrative:
I paid off my charged off account with AVANT in XXXX 2021. They continue to report it as a charge off and late/past due every month. How can I be late or past due when I owe nothing? I was under the assumption based on my agreement with them once I paid my entire valance I full ( which I did XXXX my obligation was fulfilled. They continue to report monthly that I owe them money with a past due balance negatively on my credit report every month as a current charge off. I would like this to be fixed. This is negatively impacting my credit. 
I no longer owe money. I am not late Or past due. This is false information and I fulfilled my entire balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: EQUIFAX, INC.
State: TN

Complaint narrative:
FCRA Section 609 clearly states that you are required by the law to send me the proof that this account is belong to me. I am requesting you to send to me the full documentation bearing my signature immediately upon receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm writing to have the following fraudulent accounts removed from my credit file. The following accounts are in ligation and they are not mines. I've reported these accounts before, now I'm demanding that they be removed. 

XXXX. XXXX {$10000.00} XXXX. XXXX {$3700.00} XXXX. XXXX XXXX. XXXX XXXX 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 2021-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Wire was inciate on XX/XX/XXXX through the online banking. On XX/XX/XXXX wire was place on hold and no further explanation was giving. I contacted the bank for more details but unfortunately no body can give me a direct answers on why the wire was stop. After my calles I got an email regarding recipients information which I provide the same day. Until this moment I have not receive any further explanation regarding the wire. the wire transfer is to make a payment to an individual providing service in a land in P.R. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
MY DOB is XX/XX/XXXX. This account was opened when I was underage. XXXX years of age. The account belongs to mother XXXX XXXX XX/XX/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 2021-05-28 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: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I have never applied credit from this Institution, A bill without signature does not imply that the debt is legit anyone may send bill and claim ownership. I am requesting you to send the Contract bearing my signature showing I have legal obligation to pay your company.

Company response to consumer: Closed with explanation