vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my accounts, they made a auto payment even after I stopped all auto payments on a checking account that was closed that resulted in reversed payment and as soon as they contacted me I went to my checking account and made the payment, I was never late on any payment and they closed all three accounts that will now have interest rates at 23 % when I had a zero interest rate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been fighting for a few months to get a child support account off my credit. It's already removed from XXXX but it is still showing on equifax and XXXX. I have sent multiple letters to no avail. Child support should not be showing on my report. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. I have attached my previous dispute letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I contacted Chase Bank regarding my Prime/Visa card. To begin I must have inadvertently signed up to go paperless when I applied for the card, as the lady I talked to said often happens. 
I made my first charge on XX/XX/2023 but I never received an email or text invoice or any communication with Chase until I received a paper notice this week with a {$29.00} late fee. We have never paid a late fee and while I should have been more careful I belief that the late fee was the result of Chase 's poorly designed website because Apparently I was not the first person to fall into this. 
When I called Chase 's customer service line the girl could not help me because I could not verify I worked at any of the Corporations they named or lived at any of the addresses they had. She said that a representative would contact me but I know how that works. I just want this resolve one way or the other.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been fighting for a few months to get a child support account off my credit. It's already removed from XXXX but it is still showing on XXXX and experian. I have sent multiple letters to no avail. Child support should not be showing on my report. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. I have attached my previous dispute letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
My credit line amount is { {$1700.00} } in XX/XX/2023. 
My payment of {$110.00} has been paid paid semi-monthly since The fees and biking charges are { {$95.00} } each period. 
According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures. Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ). 
My complaint is that it is taking advantage of me. Ive paid nearly {$1000.00} in biking cycle charges with only less than {$10.00} actually being applied to the principal balance. 
When asked for a revision to be made, they told me no, it is not possible. 
Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back and causing great emotional distress!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: IL

Complaint narrative:
I received a debt collection notice from CMRE Financial Services , inc for a clinic visit to XXXX XXXX XXXX on XX/XX/22. XXXX XXXX XXXX had never called, sent an invoice or any correspondence regarding this visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
SEE ATTACHED DOCUMENT OF MY STATE ID AND ALL 3 CONSUMER REPORTS WITH PREVIOUS REQUEST. 

I have already attempted to remove these addresses back in late XXXX it has now been OVER 30 DAYS per FCRA as a federally protected Consumer i am now opting out of any and all authorizations that i the consumer may have given. per 15 UCS 6802, effective immediately as you are hindering my ability to obtain credit.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AR

Complaint narrative:
I opened an account with US Bank never received my card and when I did finally receive my card their were transactions, I didnt make so I did one dispute, and US Bank did multiple Now theyre holding my money hostage soon as they sent me a card my account is on hold so I cant redraw any money and US Bank said it will be a check and I never received that either

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I used chime as a starter account and then eventually went and got a regions account but I still use my chime also. After loosing my XXXX card and noticing strange transactions I cut the card off and requested a new one in the mail. Before I could receive my new card I noticed an additional charge to my XXXX  account so I moved all of my money from my XXXX  to my chime. The next day when trying to log in the I was notified that my account had been locked and I needed to contact support Wich I did. Support asked for numerous documents that I supplied and was told that the reason my account was flagged was because I exceeded the {$1000.00} transfer limit and after reviewing the documents and bank statements that the suspension was being removed off my account and I would receive a code via text within 24 hours that would uplift the hold. The code never came. I have been continuously attempting to get this solved but the chime support team who can handle this is only available by email and asks for the same documents repeatedly but never sending the code or unlocking the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all XXXX credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It XXXX Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX  XXXX XXXX Account XXXX : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

Thank you for your time and help in this matter. 

Sincerely,

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 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I mailed XXXX payment via XXXX Mail and it was delivered XX/XX/23 w/ tracking. Rushmore Loan Management Services denies receiving it but an investigation by the USPS confirmed it was delivered and picked up by Rushmore 's 3rd party private contractor. They claim no responsibility and their " investigations '' find nothing. I've asked if they have video or other evidence showing it wasn't with their daily mail. 
I can not cancel the USPS money orders 60 days after purchase, which was XX/XX/23. I can then cancel each money order for {$25.00} and buy new money orders and resend it Priority Mail, but they have sent a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, despite the evidence I've presented them. 
I mailed XXXX payment as usual and it was received on time. I am about to send XXXX payment and have enough to cover the missing XXXX payment as well, but they are demanding late fees and other fees as well. 
USPS told me just now that XXXX of the missing {$1000.00} money orders from XXXX was cashed on the same day that my XXXX payment was cashed. 
Furthermore, Rushmore, or their 3rd party contractor has repeatedly issued me erroneous late fees. Several times they have issued late fees when I had USPS priority mail tracking numbers showing on time delivery. They have argued and resisted reversing these charges and have stated charges were removed without do so. Additionally, before I started buying tracking Rushmore gave me several late fees when I mailed a week or 10 days before due date. Every time, the payment would be recorded as exactly one day late. What a coincidence.

USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
TransUnion is reflecting a " XXXX '' XXXX account as open which both XXXX and XXXX show as closed. XXXX has sent me repeated confirmations of the account closure in XXXX and XX/XX/2023. This is extremely frustrating.

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 2023-08-02 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: GA

Complaint narrative:
the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
the major three credit reporting agencies have not been helpful. i have made several inquiries on my report that items were not mines due to the XXXX breach that happened hears ago. they would take it off then it reappears.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Local Management, LLC
State: AL

Complaint narrative:
Due to being a XXXX XXXX with a child who has had numerous sicknesses and XXXX causing me to miss work, I have been struggling. I try to pay every time I have extra money to keep it current but they ( Local Finance ) harass me with repetitive phone calls that disrupt my work day. They have called family members, even family out of state, repeatedly. I have received over 25 calls in the last 7 days. They also come to my home in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: EQUIFAX, INC.
State: TX

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.

The letters are stated with items and issues.

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 2023-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
My account ( Acct # XXXX ) at Ally Bank was closed on XX/XX/2021. It was reported to XXXX XXXX XXXX 

The remaining balance in the account was never sent as it should have been after the closing of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALPHA MIDCO INC
State: IN

Complaint narrative:
XXXX XXXX has sent multiple letters saying we owe a debt to Sapientes Funding. We have never heard of either company. When i requested more information about the original creditor, all that was returned was a po box number, no information on what or who was owed. I do not want this to harm my otherwise excellent credit and am trying to verify if it is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: Experian Information Solutions Inc.
State: TX

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.

The letters are stated with items and issues.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation