vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-06 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: LA

Complaint narrative:
It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX XXXX and Experian and all other credit reporting agencies

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
I payed my XXXX XXXX card off in full over the phone on XX/XX/22. On XX/XX/22 they charged me an interest charge. I have talked to the company multiple times. Everyone I speak with says it doesnt make sense and I shouldnt have been charged, yet I am still getting interest compounded due to this fraudulent charge. The last person I spoke with claimed to have removed all interest charges on my account and close my account. A week later I received another bill.

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 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I had my existing Account without a true issue for years, recently I needed a new card issued. I asked for the card in XXXX, card was damaged/lost I asked for a replacement card XXXX, XXXX, XXXX, XXXX and XXXX. I have been promised each month the card will be sent. I can not unlock my account without the vvc code on the missing card and I have been charged for late payments when my card company has failed to send the card over the last several months. I have no way of actually tracking the day to day usage as I have no way to access the account without information on a card that I do not have. In a conversation with XXXX, a customer rep, she informed me that there were NO reissues of cards sent out since XXXX. I asked for a supervisor XXXX took the call I explained my frustration for the lack of the receipt of a new card. She said they have reissued the card but she saw no requests being filed for a card in XXXX, XXXX and in XXXX the rep *ID # XXXX never placed a request into the system for my replacement card. They did however, send me a letter stating the account was flagged to be closed for fraud, that never happened and the card also NEVER came. I have a small XXXX chargeable credit limit but the concern is IF they can not manager to reissue a card, one of the simplest of acts, my concerns are WHO are these people handling my account overseas? How secure is the company that has my information and If I did just cancel the card would i be effecting my credit adversely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
NOTICE OF DEFAULT OPPORTUNITY TO CURE Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Equifax has failed to comply with my request for information about my credit report and has stalled the investigation for over 30 days, which is a violation of the FCRA.

Furthermore, Equifax has not provided me with the proper forms pertaining to GLBA, nor given me the option to opt-in or out, violating my right to privacy. Their noncompliance has caused me immense mental and emotional stress and has injured my credit worthiness. Equifax has furnished inaccurate information on my consumer report and destroyed it, making it impossible for me to obtain loans. 
I strongly believe that I should be compensated for all the harm I have suffered due to Equifax 's noncompliance and willful neglect. I urge the CFPB to take immediate action against Equifax to ensure that they comply with all laws and regulations related to consumer credit reporting. 
Thank you for your attention to this matter. 

Sincerely,,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2022 I paid my state taxes {$740.00} plus the website fee of about {$1.00} through XXXX ; confirmation number XXXX. 

The state of IL placed a hold and automatically withdrew {$740.00} from my XXXX account on XXXX XXXX 2022 as they never received the payment from XXXX. 

I attempted numerous times to reach the merchant, XXXX, but was kept on automated hold for as long as 6hrs on several occasions. 

Due to my unsuccessful attempts, I initiated a dispute through my issuing bank, Citi bank. To my greatest surprise, it has not yet resolved the dispute yet it continues to charge me 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 explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2023 I received 5 emails from Bank of America asking me to verify my email address ; Welcome to Online Banking ; Verify Email Address ; Welcome to Mobile Banking ; and Unable to Open Account. I have not attempted to open any accounts with Bank of America. Following these emails, on XX/XX/2023 I received a physical letter at my residence mail stating the account application was declined ; this letter showed a company name as XXXX XXXX XXXX XXXX XXXX XXXXXXXX, mention of XXXX as location. Nothing of which I recognize. All attempts to contact Bank of America Fraud result in no answer ; request for account numbers to get a representative ( if you don't have an account, you can not progress on the phone system ) or full SSN - and continuous disconnections.

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 2023-05-06 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: United Credit and Collections Inc.
State: MO

Complaint narrative:
I am writing to dispute a derogatory record of failed lease payment reported by United Credit and Collection Inc ( XXXX XXXX XXXX XXXX XXXX, Missouri XXXX ) to XXXX XXXX XXXX. United Credit and Collection provided the report on behalf of XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX ). 

We left an apartment at XXXX XXXX XXXX  XXXX for safety and sanitary reasons on XX/XX/XXXX. Prior to leaving we indicated both verbally and in writing to the property manager about the dog barking on our floor, the presence of large dogs in hallways and elevators and the dog excrement in common areas. This was not acceptable to us and a violation of the lease agreement that we had signed in XX/XX/XXXX. The lease we signed had a no animals policy ( Item XXXX XXXX agreement ). The property manager, XXXX XXXX, reassured us that the only tenants who had XXXX agreements would be allowed to have animals. This policy changed and XXXX XXXXXXXX XXXX XXXX advertised their leases as 'pet friendly ' and that any tenant could have two dogs with no size or breed restriction. 
We indicated the safety and sanitary reasons for our departure. We received no response from the property manager about our complaints nor any disagreement about our reasons for leaving. We provided written notice six weeks prior to our XX/XX/XXXX departure and paid an additional 30 days rent on departure. We include as support of our health and safety claim, the property managers notice ( XXXX XXXX ) to tenants about the continuing pet violations in XX/XX/XXXX. This notice was sent two weeks prior to our departure and four weeks after we provided our written notice to XXXX XXXX. We include the lease agreement that indicates NO Animals. We provide a lease ledger indicating the continued churning of our account following our departure for cause. This ledger ( {$3000.00} ) differs from the continued churning found in other ledgers of XXXX XXXX XXXX  XXXX XXXX. that was sent to the credit reporting agency. 

XXXX XXXX XXXX XXXX not only ignored our complaints but also continued to add charges to our account despite the resident managers acceptance of our written notice in XXXX and the acknowledged submission of keys and fobs for our apartment on XX/XX/XXXX. The {$4500.00} charges submitted trepresent churning of our account with continued charges through the end of the lease in late XX/XX/XXXX. 

The notice of pet violations from the prorperty manager is included with the report. 
We left our lease early for safety and sanitary reasons. We dispute the derogatory report. We request the notice be removed from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
WHen i apply and got the credit card from Commenity Bank in XX/XX/XXXX, the offer was if I spend {$500.00}, they will give me {$100.00} back. I use the card spent XXXX XXXXXXXX in the first month, and paid off the balance on time. Now is XX/XX/XXXX, They still have not gave me the {$100.00} bonus. They are claiming need time to investigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-06 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: BELMONT FINANCE LLC
State: MS

Complaint narrative:
On XX/XX/23, 2 salespersons from XXXX XXXX XXXX XXXX, XXXX XXXX came into my home to do a XXXX XXXX  demonstration with the intent to try and sell the system to me. After completing the demonstration, they offered me with 2 financing options through Belmont Finance LLC to purchase the XXXX XXXX. The salesperson then asked for my, or my fiance 's social security number to " put it under one of our names. '' They said it is a " light inquiry '' that will fall off in a couple of days, and let us know that this inquiry was unlike an inquiry when shopping for cars where the credit is sent off to multiple lenders for approval. Without acquiring permissible purpose to pull credit via a hard inquiry, they submitted my information to Belmont Finance , LLC for credit purposes without making it clear to me as a consumer the nature of the inquiry.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
Advance America DRS it recently appears on my credit report last month I believe but I haven't opened any new loans or anything since before Covid and I never opened a account or signed anything with that company 2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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: AZ

Complaint narrative:
Transunion, Despite the fact I have mailed letter showing my balance and the company I have credit with has notified them they continue to report the incorrect information XXXX XXXX MY BALANCE IS {$180.00} Transunion as repeatedly reported {$310.00} I am so stressed out and if not resolved will get a lawyer these people should not be allowed to control the XXXX XXXX XXXX credit in there hands. The government needs to shut it done You fix one thing and they add something else, its like a radar they try to keep ppl in poverty when they see you improving. 

My original bal XXXX payments monthly XXXX dollars Transunion show 16 payments how could they even think the balance they show on report is correct. 

My balance is 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 2023-05-06 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: V and H Portfolio
State: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a consumer reporting agency can not furnish an account without my written instructions.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/23 I was towed by XXXX XXXX XXXX Illegally. I was parked in front of a XXXX and walked over to the XXXX. My violation was that it was customer parking only and I was a customer. I've looked at the address of the person who wanted to tow me and it was someone from XXXX. I am doubtful to believe that the person who called for a tow could have possibly been for my car as I was parked ACROSS the lot about a quarter mile from the place. I have checked the name and which store called for the tow and it makes no logical sense. I was told though that there was no other option other than to pay the fine and get my car back. I told Bank of America about this and tried to file that I was under duress during that time and I had no other choice. However, Bank of America disagrees with me on this matter and refuses to do anything about it.

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 2023-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 I, XXXX XXXX XXXX, have written this letter to dispute inquiries that are falsely listed on my credit report with your bureau. The following inquiries were not authorized by me and are inaccurate. According to the Fair Credit Reporting Act, legally the following unverified and unauthorized items must be removed. I have already contacted the companies, and they did not have any of my information on file. 

The following items should be removed immediately : Creditor Name : XXXX XXXX  Type of Business : - Date of Inquiry : XX/XX/2023 I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THESE CREDITORS AND I DID NOT AUTHORIZE THEM TO ACCESS MY CREDIT. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE CREDIT INQUIRIES ARE REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 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:
All three bureaus are reporting late payments on these accounts. Experian, XXXX and XXXX. On XX/XX/XXXXXXXX  i open disputes with all three bureaus asking them to remove late payments on my report because i wasn't informed that late payments would be reported by any entity. I didn't give consent for any of these reports to report any information about me. With no change on all reports. Here are a list of all the accounts in question. 
As of XX/XX/XXXXXXXX  Experian, XXXX and XXXX are reporting : XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of XXXX  every late payment. I have paid off this debt XXXX. 

I would like to mention code : 15.us.1666b Timing of payments as well as 15 us code 6802b Obligations with respect to disclosure of personal information. 
I wasn't given any opportunity to opt out. They never gave me an option to opt out.

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 2023-05-06 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The convergent account XXXX XXXX XXXX XXXX account number XXXX date opened XX/XX/XXXX balance {$1600.00} and CONVERGENT OUTSOURCING account number XXXX date opened XX/XX/XXXX balance {$1200.00} has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any customer 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 USC 1681 s-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. 15 USC 1681 s-2 ( a ) ( 1 ) 15 USC 1681 c ( a ) ( 5 ) 15 USC 1681 section 602 A 15 USC 1681 section 604 A section 2.

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 2023-05-06 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  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

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 2023-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo refused to pay the homeowners insurance out of the escrow funds causing the homeowners insurance policy to default. It was that way for an entire year and then they went back and placed a hazard insurance policy on the account retroactive for 1 year when there was actually no coverage and charged me thousands for a policy that was not ever in place. That caused for years of higher premiums as the original policy could not be reinstated due to cancellation by default and the new policies penalized me due to the original policy cancellation.

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 2023-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
They kept charging me a over draft fee. I signed up for no overdraft. This is reason my account was closed overdraft on their fault

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 2023-05-06 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  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

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