vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was an independent consultant for XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX, XXXX. When I started with them they claimed they were hypoallergenic, as well as lead and nickel free. I purchased over {$10000.00} worth of product only to find out it is loaded with toxic substances. Testing came back Monday, XXXX XXXX. Showing not only was the product full of lead and nickel, but toxic levels of cadmium, antimony, and arsenic. 

They misrepresented the products I was buying from them. I called my bank on XX/XX/XXXX and was advised I could go back one ( 1 ) year on my claims. So I disputed all transactions dating back one year from XX/XX/XXXX to XX/XX/XXXX. I offered all the supporting documents to show the product was misrepresented but they said it wasn't necessary. Fast forward to XX/XX/XXXX they deny my claim stating it was past their statute of limitations which in Arkansas is 2 years. All my claims have been denied regarding the charge backs and I want them appealed. 

The merchant [XX/XX/XXXX] is the one in question. These are lab certified results showing the proof. We have repeatedly asked for their lab testing results and have yet to receive a reply. I have also asked for a refund from them and haven't received a reply either. This is an illegal pyramid scheme very similar to 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 2022-01-05 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: Self Financial Inc.
State: CT

Complaint narrative:
I have been unable to access my account for months. I have called and been told I will get a call from a supervisor, this never happens. I am unable to make any payments or access my account at all and have been unable to for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XX/XX/XXXXnquired on 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
** Filing this complaint on behalf of XXXX XXXX XXXX who is the account holder and for which I am an authorized signer on the account ** I am filing a consumer complaint against BANK OF AMERICA XXXX, located in XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX ) For further reference : The claim original number is XXXX and I also submitted a claim of my own, asking for reconsideration of the case- Number XXXX I was debited USD XXXX and USD XXXX respectively on my business account and informed me it was " XXXX XXXX XXXX XXXX " XXXX a customer I sold consulting services to, on the following dates, paid via BofA internal transfer to my company account - XXXX XXXX XXXXXXXX The invoices were XXXX XXXX : XX/XX/2021, Invoice No. XXXX, amount USD XXXX XX/XX/2021, XXXX XXXX. XXXX, amount USD XXXX Both invoice payments were made the same day in the account via BofA internal transfer from the buyer 's account ( his name shows up in the statement ) 10 days later, on XX/XX/2021, two debits show up on my account for the same amounts so I called the bank to get further information. When calling the online fraud investigation hotline ( XXXX ) I was informed that the customer ( XXXX XXXX XXXX XXXX ) had claimed the transactions as fraudulent on XX/XX/2021. 

It is very implausible for such transactions to be fraudulent, since before being authorized, they have to go through Two-Factor authentication with the account holder 's registered cellphone, calling the bank for manual phone authorization to release the transfer, email alerts and/or other things as his username and password being compromised, which sounds very implausible without any cooperation from the claimant/account holder. 

In short, I suspect a chargeback fraud scheme was enacted upon me by the customer/account holder and the bank helped the perpetrator by authorizing an illegitimate chargeback. 

Furthermore, I wasn't provided any kind of details on what factors did they take into account when making the decision to debit my account ( chargeback ) and, most importantly, the debits were never put on temporary hold before making them definite, which did not allow me any time to defend myself/state my case with the Bank. 

Look forward to solving this matter by reinstating the money ( {$6500.00} ) back into my account in the name of XXXX XXXX XXXX, regards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been a victim of identity theft. The inquiries listed should be removed for these are fraudulent and inaccurate. Inquiries : XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
After mailing a certified letter to the company requesting validation of debt, the company responded with copies of a past-due bill. Portfolio Recovery Assoc. did not send me copies of any proof showing I opened the accounts nor a complete account record. Nothing baring my signature or anything. They only sent a past-due bill which isn't what I requested. In my recent complaint, Portfolio stated that they had business records showing that I opened these accounts but never produced those records to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We purchased a new AC system for our home and financed thru Wells Fargo. it had an no interest period that terminated on XX/XX/2021. we were encouraged to pay monthly online and so paid little attention to monthly statements especially the one from XX/XX/2021 telling us to pay the principal balance prior to XX/XX/2021 or deferred interest would be applied at an annual rate of 28.99 % ( usury to say the least ). with XXXX worries we obviously never looked at the statement- our fault. Once i discovered it today i called Wells Fargo immediately to ask if i paid the principal off could they adjust the interest amount. XXXX XXXX # XXXX said there is nothing they will do, we new the rate and each statement had a note to that effect. our wells fargo acct number is XXXX XXXX XXXX XXXX. 
i feel this is unfair to have no interest in adjusting the incredibly high rate they are charging.. encouraging online, payment makes it almost a given that you will ignore the statements and its small notice of upcoming end to the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Before XX/XX/2021, I clear my account balanced to XXXX. 
In late XX/XX/2021, Citi paid me {$3.00} interest. 
On XX/XX/2021, Citi charged me a {$4.00} bank fee ( Never charged before ) And then Citi charged me a {$34.00} overdraft fee. 
That is super nonsense : Bank added a few funds and charged me the fee to cause an overdraft and then ask me to pay for the overdraft fee. I am not even the one who cause overdraft here! 
Citi told me I can not get the refund because of their {$35.00} refund per account threshold. 
This is also a nonsense rule!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: MoneyLion Inc.
State: NC

Complaint narrative:
I started the loan in XX/XX/2021 Ive made payments then fell behind. Moneylion sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with XXXX they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CO

Complaint narrative:
I pay for credit monitoring through Experian. My main complaint is in the speed in which they change the status of my accounts. I have other companies, like XXXX XXXX, which is free, who have a better breakdown of my score and all my on time payments are visible. They also put more weight on the fact that I have never been late on my payments and every loan that I have ever acquired has been paid in full at some point without any missed payments. I have a joint credit card with my wife, and we have a few payments that automatically are paid using this account. The minute there is a balance on this account, it shows up almost automatically, and it swings my score by 5 to 10 points monthly. On average, I pay about $ 2k a month to get my credit cards back to where they were pre pandemic, but the balances take so very long to update, and in order for Experian to move a little faster, you have to pay to have it refreshed and even after, nothing changes. I have one account that has changed banks. XXXX is now XXXX. My XXXX account switched to XXXX. On my credit report now, it shows a balance of almost $ 9k on XXXX and {$8800.00} on XXXX. This is incorrect, as XXXX should be closed and show zero balance, as it does on almost all other credit reports that I have. The XXXX balance is actually {$7400.00}, again this greatly effects my credit score. If Experian can not communicate with the lenders and vice versa, they should not swing my score so wildly until all the information available is at their disposal in order to create more accurate scores. This is all so disheartening to all of us that pay our bills on time and have never missed payments, or filed bankruptcy or consolidated, etc. Experian XXXX is also an issue of concern. The app is not accurate and can not figure out what companies are utilities companies and or phone companies. I have had more than 20 straight years of successful utilities and cell phone payments and I have never been boosted. The sole parameter is for them to scan your account, but what they fail to understand is that your account is ACH debited, or funds come off you debit card, or directly taken out. XXXX can not recognize anything and is a completely unnecessary and useless tool for most of us. Its not a product that is easily used or explained to the consumer. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PENTAGON FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Back in XXXX I refinanced my auto loan on my XXXX XXXX XXXX XXXX through Penfed Credit Union. As part of my refinancing process, my previous lender sent the title to Penfed Credit Union. From my interactions with Penfed credit union, my loan process was complete and started paying my loan. Out of nowhere I get a letter from PenFed credit union dated XX/XX/XXXX, that I failed to provide collateral for my loan so my rate was increased from 1.9 % to 14 %. I contacted PenFed and their representative said that they could not find my title information anymore so my rate increased even though I did not do anything wrong. Penfed never reached out to me to say there was an issue with my loan in the six months prior to this letter. Now on two occasions I have had XXXX XXXX XXXX send over the information and PenFed continues not getting or finding the information. 

The reps will not provide any alternate solutions and keep saying that I have to request a duplicate title from the Rhode Island XXXX. In Rhode Island, only the holder of the loan can request it which I have explained to them. They say they will not request the title as I am the car owner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I dont know what happens maybe one ore more company use my social security number and my data I never been this company XXXX XXXX never sign nothing and never received document with XXXX account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Synovus Bank
State: NV

Complaint narrative:
My account has been closed for months, and I have been struggling due to job loss to pay off this account. On XX/XX/2022 there was a payment due on the account. Even though the company was closed they charged me a late fee for the payment not being received on that day. This company has also been charging me {$10.00} fees to make payments to them making it almost impossible to pay the balance to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I started the loan in XX/XX/2021 Ive made payments then fell behind. XXXX sent a right to cure letter I then paid what was past due to keep my account active. They have been reporting my account and late then when I disputed it with Experian they changed the lates to charged off. When they charge off months was paid. I asked them numerous times is my account charged off they stated no in their chat on the app. Ive been fixing my credit to notice they still have it as charged off and Im still making payments to the account. The account states Im on track and nothing is past due and account active. I had to make multiple payments instead of one lump sum payments which my bank locked my card for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
We were hit with COVID in XXXX of XXXX. The entire world went into a state of panic and shock and I was laid off indefinitely working in a salon as no one knew if the world would even reopen. Trying to provide food for my family, I was unable to make my credit card payments a few months after my savings ran out. I called Capital One multiple times and explained that my unemployment wasn't in yet and that I was laid off due to a pandemic - something completely out of my control and not my fault. I was told that this was understood and that this would not negatively impact my credit due to the circumstances of the world. Upon reviewing my credit report, this is not what happened, there are several lates on here from when we were in a state of world emergency. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all reported lates on my credit report. This is absolutely unfair. I tried to keep everything a float as long as I could to make sure my payments were made, but a few months into the pandemic, I couldn't and I thought this was understood with Capital One as I called them and spoke to them many times about this. I have been back to work since XX/XX/XXXX and caught everything up my first paycheck in XXXX and have not been late since. this is unethical and unfair to hit my credit during the pandemic with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I've called chase credit card several times trying to get a payment arrangement due to my business account closing from covid. They told me that I didn't qualify since I didn't make enough money. Each time I called in. I was still Making payments but not the full payment. After they sent my account to the credit bureau they finally said I qualify to lower my payments and closed the account I went and got a loan to pay the card off. I paid the card off in XX/XX/XXXX. Got another bill stating i owed XXXX I called am then again and made the payment in this conversation the canceled my Monthly payment. I logged into my business checking account XX/XX/XXXX to see they made 4 attempts to collect money on my closed paid in full account. Now I'm negative in my business account from fees. 

I've spent hours and hours in the phone with chase trying to pay my bill and asking about these fees. I constantly get transferred to wrong departments over and over again. I've day I spent 2hrs with them and was transferred 8 times. There are lots of notes in my account I've asked for mangers to only to have them say someone will call back within 72hrs with no call back Chase does not care about small business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: FL

Complaint narrative:
I disputed this item with XXXX, XXXX, and TransUnion on XX/XX/21, and XX/XX/21 and XXXX, XXXX, and TransUnion have incorrectly " CONFIRMED '' this is accurate and XXXX is WRONG. 

Furthermore, XXXX, XXXX, and TransUnion never sent me a response to either of my disputes yet it remains on my reports. 

However, according to the documentation I have attached from the creditor the WHATEVER WAS MISSING AND UPDATED is incorrect. This means XXXX, XXXX and TransUnion didn't contact the creditor. Delete this item immediately. 

XXXX XXXX XXXX XXXX THIS ACCORDING TO THE REPORTING PARTY YOU WERE INSTRUCTED TO DELETE! XXXX, XXXX and TransUnion have FAILED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 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: American First Finance, Inc.
State: GA

Complaint narrative:
I received 2 letters dated XX/XX/21 and XX/XX/21 from American First Finance. Both letters stated that charges in the amount of {$190.00} would be automatically deducted from an account ending in XXXX. I do not have any accounts ending with these numbers and I have not made any purchases from American First Finance. I called American First Finance and the representative told me that this is for furniture that was purchased at XXXX XXXX XXXX in XXXX, GA. I called XXXX XXXX XXXX and spoke to XXXX. He looked up my information and told me that approx {$2600.00} of items were purchased at the store using my name and social security number. My prior address was used. The phone number used was not my number XXXX and the email used is not my email XXXX. I was also told that the sales person who made this sale is XXXX XXXX and he no longer works for this store. 
After several weeks of phone calls and sending letter to American First Finance ( AFF Identity Theft Affidavit along with FTC ID Theft Report and Police Report ) has yet to remove inquire from my credit report and have now started to report this account past due balance on my credit report.

Company response to consumer: Closed with non-monetary relief