vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2023 a {$130.00} charge was discovered by me that I did not authorize from XXXX. I reported this to Wells Fargo right away and my card was given a temporary/conditional credit. Later, I was able to get XXXX give me credit so I then contacted Wells Fargo and told them that XXXX gave me a credit of {$130.00}. Wells Fargo then reversed the temporary/condional credit ; however, they actually manually added a second charge for the {$130.00} from XXXX. The bottom line is, for XXXX purchase of {$130.00}, I have been charged XXXX times on my Wells Fargo account and credited only twice ( once by Wells Fargo and once by XXXX ), leaving an inaccurate of {$130.00}. I have been fighting with Wells Fargo about this issue since the beginning of XXXX. I have written letters and spent countless hours on the phone with the fraud department, credit dispute department, customer service, and even took my issues to a brick and mortar facility on XXXX VA. Every person either says they see the issue, or they are not looking at the entire account so they think I have been properly credited when in fact, I have not been. I am very distraught about this because they will not remove this fraudulent charge from my account and I am afraid my near perfect credit score will be in jeopardy.

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 2023-03-10 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: FL

Complaint narrative:
Hey it has come to my attention Experian reported transactions on my consumer report XX/XX/2022, XX/XX/2022, and XX/XX/2022 between XXXX  XXXX ( XXXX ) and XXXX XXXX, so according to the fcra 15usc 1681a 2 a1 like in paragraph 3, the consumer report does not include reports containing information solely as to transactions, is excluded from the consumer report DELETE THIS TRANSACTION HISTORY FROM THE CONSUMER REPORT, or delete the late payment or items marked as late from my consumer 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 2023-03-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-03-10 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: MI

Complaint narrative:
According to the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate. I will not stand for any misinformation being associated with my name and financial history. If there is something on my credit report that doesnt seem right, I will take action to get it removed. I request that you investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from my credit report. 
The information you provided is inaccurate and does not meet the minimum standards for accuracy. I demand that this be fixed immediately or else legal action will ensue! Inaccurate, imperfect information has no place in your database or on my credit report so please delete it now.You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, MI XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.

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 2023-03-10 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: PA

Complaint narrative:
TO Whom it may concern : I recently received a copy of my ( XXXX, Equifax and XXXX ) credit report, and i noticed some late payments posted on my credit report : In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX, and XXXX  XXXX # XXXX. 

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 an account without 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, 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 explanation
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I spoke with a representative on more than 2 occasions filed a dispute by letting them know I never authorized any one to run my credit. They submitted a dispute but some how it came back verified and the credit reporting agency never removed the 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 2023-03-10 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-03-10 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: CITIBANK, N.A.
State: TN

Complaint narrative:
I have a Citi credit card which has been open for several years without any issues. In XX/XX/2022, I took out what they call a Flex Loan of {$5000.00} on the card. It has a set interest rate of 7.99 % and a term of 60 months. There is a minimum monthly payment of {$100.00} required on top of any monthly payment required for regular purchases on the card. 
The information the company shares on their app, website, and monthly statements says that any payment made above the minimum monthly payments will be applied to the higher interest rate first. Regular purchases on the card currently have a rate of 27.49 %. 
I usually pay off my credit card balances around every two weeks when I receive my paycheck. I never carry a balance month to month. I've been doing this the past few months as usual, but on XXXX XXXX, I was charged {$4.00} as interest for standard purchases. I assumed I had made a mistake and not paid everything off like I normally do. So I paid extra that month to make sure I would only be charged interest on the Flex Loan moving forward. However, on XXXX XXXX, I was charged {$7.00} as interest on standard purchases. 
I then reviewed the last several monthly statements and found that there is now a balance of {$350.00} accruing interest on standard purchases. I also found that the balance on the Flex Loan is lower than it should be at this point of the loan term. 
I called Citi 's customer service line on XXXX XXXX and was informed that I should not attempt to pay off the balance on regular purchases. I was told that payments would always be applied to the Flex Loan instead, even if the purchases I was attempting to pay off were already posted to the account. The only way to pay off regular purchases is, when setting up an automatic payment, to select the option " Adjusted New Balance + Flex Plan Monthly Payment. '' I was told that the only way to resolve this situation is to now pay {$470.00} to pay off the regular purchases as well as the Flex Plan payment for XXXX. 
I'm unable to find anywhere on the company 's app, website, or monthly statements that informs their customers that making a payment on a credit card 's balance will not in fact pay off that balance if a Flex Loan has been extended to the account. Because of this, I now have a balance of almost {$500.00} accruing interest at 27.49 % while I made payments to a loan accruing interest at 7.99 % without my knowledge. The company has made no offer to remedy this situation.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The app- to make payments, withdrawals, deposits, etc - has been down all week long. There is no remedy with customer service and people 's livelihoods are at stake because the bank is inaccessible. Where are the protections for the consumers? This is not right. All week long - inaccessible.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/23 - Bank of America put a Hold on {$950.00} of our funds. After a long drawn out process they have led me to believe that it is to pay a deficit in my daughter 's bank account. I have no access to the account, no way of knowing the status of he account, and without any warning they put a hold on funds in my checking 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 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Countless times, during the middle of the night or later at night transactions have been allowed. Whether it is an actual card swipe OR something that is auto debited from the account. I have had countless situations where an automatic transaction will process at XXXX or XXXX and transfer the money from the savings to checking manually and still get a fee. Then when we cal, they say dont use your card if you dont have money the problem is, the money is there during the transaction. But their posting practices are so sketchy.

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 2023-03-10 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: BYL Collection Services
State: GA

Complaint narrative:
I received a notification that a new account was reporting to my credit report. Upon investigation, I noticed that this is regarding an account/debt that I have NO knowledge of. I have never received any correspondence from this BYL regarding said so-called debt. I have never lived at XXXX XXXX ( located in XXXX, GA ) or ever signed a lease with this company. I have never lived in XXXX GA. I want this removed from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have been without my new car since XX/XX/2023 due to a design flaw in the XXXX XXXX XXXX XXXX XXXX. Their inadequate undercarriage protection Ford is putting their owners at financial risk, and costing Federal and state taxpayers for a flawed product. 
XXXX XXXX XXXX in XXXX undercarriage protection is not made of a durable material. You have maybe expected plastic or metal in the past. Now it is a fabric material that I call Fordboard, that tears and leaves the highly sensitive electronic and the hybrid battery open for damage. This happened to me in the XX/XX/2023 storms in XXXX XXXX. I have been without my new car for XXXX months because, not only is the undercarriage not durable, but Ford refuses to divert replacement batteries for repair but continues to make the new cars so they can continue to make a profit with the help of Federal and State tax dollars. 
I was counting on gas savings with the electric vehicle in order to help pay for the car payment. I now have to pay full gas prices as well as the car payment. I bought the car because our family needed to expand our vehicles. I spent extra on this car to help reduce my carbon emissions. There are now more carbon emissions because of this which is contrary to why there are tax credits. Ford is gathering huge profits as a result of the changes to the tax credits, they are one of a handful of cars that are eligible. If they cant fix damaged cars, then the tax credits arent helping.

Ford refuses to warranty the situation. Ford refuses to pay for a loaner or rental car. Ford rejected my requests for financial assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I personally went to a Chase branch in XXXX, XXXX to open both a checking and savings account. I was treated wonderfully. I wrote out a check for both accounts to get them started. 
The checks cleared from my bank in 2 days. I went to the Chase account on line and was unable to open the account. I called and was told the account was closed and I would never be able to open an account with Chase in the future. 
I went back to the branch and talked with the officer who opened my account. She was surprised and called Chase.

She was told the same. She asked why, as did I. We were both told they could not disclose why. 
The money I deposited would be returned in 10-15 days.

I feel like a criminal!

I have a very good credit score. 
I am concerned there is some faulty information about me. However, I am being kept from an explanation. I need help. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: Capital Accounts, LLC
State: CA

Complaint narrative:
I am writing this complaint to CAPITAL ACCOUNTS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I received a phone call on XX/XX/XXXX from XXXX. They left no voicemail. I assumed it was a spam call, but they called again on the XXXX, XXXX, XXXX, and today on the XXXX. I looked up the number, and it was for XXXX XXXX XXXX. I was concerned for two reasons : we already paid our debt of {$35.00} owed to XXXX and XXXX on XXXX XXXX, and the phone number on the website was different, being XXXX. 
On XX/XX/XXXX at XXXX I called the XXXX number. I spoke to an agent named XXXX, and she said there was nothing under my name. She recommended to call the XXXX number, and it was common for them to not leave voicemail, and that I should just pick up if they call again. 
I decided to call the XXXX number, and XXXX of XXXX XXXX XXXX answered, asking me if I was XXXX XXXX. I explained that there was no one in my household with that name. She explained it was for a business account but could not elaborate any futher than that. I asked her to no longer call me, and that someone possibly spoofed my phone number. She said that she would take action and not call me.

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 2023-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
XXXX. I purchased my leased Kia K5 on XX/XX/2023 in the amount of {$26000.00} and have yet to receive my title after 30 days. 
XXXX. XX/XX/2023 called kia finance in regards to payment and was told that the milage statement was not received. Uploaded mileage statement again through kia portal. And was told I owe {$1200.00} dollars. This was not on any document and was not confirmed. 
XXXX. XX/XX/XXXX I have been told the lease has been paid in full but now a hold on my payment for the {$26000.00}. They also stated there is no way to communicate with any management team to find out my status of the situation. I will have to continue to call every 10 days to see if the work has been completed. No notes have been left after each call on my account. I have current calls recorded to protect me on receiving the title and any legal action.

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