vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I am submitting this complaint regarding the lack of transparency and clarity in Bridgecrest 's loan servicing process, particularly concerning payment extension options. 

XXXX - I attempted to locate a copy of my signed loan documents on the Bridgecrest website to understand my options in case I couldn't make an upcoming payment of {$580.00}, which is due on the XXXX. However, I was unable to find my documents on the website. 

While exploring the customer support page, I came across the " skip a payment '' option. I called the provided customer service number ( XXXX ) for more details. the first representative informed me that I would qualify for this option since I had made six consecutive payments. However, I was then transferred to the payment department, where I was told that I did not qualify because I wasn't past due on my account. 

This information is contradictory and misleading. The website does not mention that a borrower must be past due to qualify for a payment extension. It simply provides an example of how the option works, without clearly outlining the qualifications or requirements. This lack of transparency is concerning, especially when I am actively trying to manage my loan responsibly and avoid delinquency. 

As it stands, I would need to deliberately miss a payment, incur a late fee, and then call customer service again to request the extension- all without any assurance that it will be approved. why should I be forced into delinquency to qualify for assistance? 

Furthermore, the website does not provide comprehensive or accessible information about available hardship options, and representatives seem to provide conflicting information. This lack of clarity and transparency feels deceptive and does not provide borrowers with the tools they need to manage their loans effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I contacted pay pal as there are 6 transactions that are unauthorized on my debit card. They stated that the account holder tied to my card is not my name and could not give me that information and in order to file a dispute I have to file a fraud claim with my bank. I called my back on XX/XX/year> 6 additional XXXX charges in larger amounts that I was unable to add to my initial fraud claim. The additional charges consisted of IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recieve an email that they denied my claim based on activities on my account I have never made any transaction with XXXX prior to XX/XX/XXXX and all XXXX transaction of smaller amounts I reported as fraud. My bank Navey Federal did nothing to truly investigate my claim. I have had fraud before that they automatically deny they do not do a through investigation nor do they request documentation nor called me to ask futher question so I can prove my claim. Navy federal does not like to do their Job they auto deny all claims when it comes to debit cards there policy of XXXX fraud liability is false advertisment when opening an account they never help. Im tried of loosing money when fraud occurs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting 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
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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 XXXX XXXX XXXX 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a detailed certified letters in either late XXXX or early XXXX of XXXX  asking for wrong addresses and spellings of my name to be deleted off of my credit profile. I provided the correct spelling of my name along with my current address but submitting a copy of my drivers license and social security to prove my identity. The information was never updated on my profile.

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 2024-12-30 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Saturday, XXXX XX/XX/2024, my email inbox was flooded with hundreds of new subscriptions to websites to which I had not subscribed ( I was, at the time, flying with my husband and XXXX children, from my XXXX, XXXX  home to visit my parents near XXXX, XXXX  ). Buried within this flood of emails, as I noticed not until Monday, XXXX XXXX ( I was visiting with family, celebrating my parents ' XXXX anniversary and attending my niece 's performance of XXXX XXXX XXXX, so sorting through my piles of spam email were not my top priority at the time, though this oversight is turning out to be very costly! ), were XXXX crucial messages : XXXX, a receipt from XXXX XXXX department store, for {$5100.00} worth of gift cards ; and XXXX, a notification from Chase to " please confirm this purchase, '' and seeking action on my part to do so. Upon finding these messages, I immediately clicked on the button ( inside the email ) that said " no, something's wrong, '' but -- at this point, XXXX days after the fact -- the link was no longer live. I immediately called Chase to report this fraudulent purchase and to close my credit card. Chase told me that the purchase had been declined, and all seemed to be well enough, in terms of my not being responsible for purchases that I did not make. On XXXX XX/XX/2024, I received a letter from Chase notifiying me that I would be responsible for the {$5100.00} because I " received benefit from this transaction, '' but I absolutely did not. Thieves had used my card number to purchase gift cards, and somehow they apparently also hacked my email to approve the declined purchase from Chase. I have provided Chase investigation team with screenshots of my flooded email inbox -- full of new subscriptions that I didn't seek out -- and also PDF documentation of my flight ( I was out of town when these gift cards were presumably delivered, and someone on the ground in XXXX must have picked them up? ) and the receipt from XXXX and the notification from Chase. I am disappointed that Chase 's protections not only let this purchase go through but also that they're unwilling to accept my argument ( and various documents ) as evidence that this was fraud. I have been a loyal customer for years, paying my bill consistently and making purchases with care and prudence, and this exorbitant charge is deeply out of character -- and Chase rightly flagged it as such, to begin with, only to then let the charge go through, without my approval, subsequently. As of XXXX XXXX as I write, Chase has reopened my case, per my request on XXXX XXXX, and I am filing this claim with hopes that this claim might further help to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THIS COMPLAINT IS FOR CARD ENDING IN XXXX AND IS DIFFERENT THAN OTHER COMPLAINTS FILED WITH THE CFPB AGAINST BANK OF AMERICA I am writing to lodge a formal complaint regarding my recent experiences with Bank of America. I have been a Bank of America credit card holder for several years, and I have always strived to keep my account in good standing. Unfortunately, my financial situation has been deteriorating quickly, and all my hopes and attempts at holding my finances together are exhausted. A combination of a rapidly increasing cost of living, an increase in card interest rates, and a significant reduction in my income has caused me to be on the brink of a financial collapse and default on all my credit obligations. This is the last thing I want to do, but I have nearly {$100000.00} in unsecured credit debts and my resources have dwindled. 

In an effort to manage my debt responsibly, I contacted all of my credit card providers to explain my situation. All these institutions have offered me a workable solution : the option to close my accounts and repay the existing balances over 60 months at a 0 % APR with no additional fees. This arrangement has provided much-needed relief and a long term sustainable way to resolve my debts in a manageable way, without defaulting or falling delinquent, or bankruptcy. 

However, when I reached out to Bank of America with the same request, ( three times now ) I was informed that I should work instead with debt consolidator credit company. I reached out to several of those companies but there plan seemed like a financial catastrophe waiting to happen. While I appreciate any assistance available during this difficult time, it seems unfair and inconsistent that Bank of America is not extending a similar in-house hardship arrangementone that other financial institutions have readily offered me. 

I am simply seeking an arrangement that allows me to offer the same or similar solution, which is a long term re-organization of my debt that allows for a sustainable way out of this enourmous debt burden I am in.

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 2024-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
HS Financial Group has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose HS Financial Group business practice. 

Account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/XXXX I had a fraudulent charge from an online vendor/merchant " XXXX '' in the amount of {$100.00}. I noticed the charge, I did not provide my information to this website nor buy anything from them. I called and dispute the first day i noticed it with Citibank on XX/XX/year>. The charge was temporarily reversed. 

Then XX/XX/XXXX, the funds were taken back out, and Citi said they did not honor the dispute. Again this was fraudulent, and there has been a huge problem with card skimmers on ATMs, gas pumps, and grocery stores. I have had a crime committed against me having my information stolen, and Citibank is OK with letting them steal money from 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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I have discover credit card since XXXX i never have late fees or payment till date. On th last year XX/XX/XXXX Discover card company said you have late fees and and your auto deduct not enabled so its impacts late fee or missing. when i enabled the auto debit on again same issue reoccurred on XXXX XX/XX/XXXX and now my account outstanding XXXX as usual so they are not reversing the missed one which is impacting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I wrote a formal demand to TransUnion disputing multiple inaccuracies on my credit report. I referenced specific provisions of the U.S. Code, particularly the Fair Credit Reporting Act ( FCRA ), to support my claims. The issues I raised included inaccurate reporting of late payments during COVID-19 under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ), failure to validate debts in compliance with 15 U.S.C. 1692g, and unauthorized hard inquiries that violate 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

Additionally, I emphasized TransUnion 's legal obligation to ensure accurate reporting under 15 U.S.C. 1681e ( b ) and to investigate disputes thoroughly under 15 U.S.C. 1681i. I cited case law, such as XXXX XXXX XXXX Bank and XXXX XXXX Trans Union Corp., to highlight their responsibility to maintain high standards of accuracy and conduct a reasonable investigation.

I demanded the correction or deletion of the inaccurate entries and unauthorized inquiries and requested written confirmation of their findings within 30 days. I warned that failure to comply could lead to legal action or complaints to the CFPB and FTC, citing potential liability under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance.

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 2024-12-30 00:00:00
Product: Credit reporting 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: GA

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. 

List of Unauthorized Inquiries : 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 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I check my credit report on XXXX and noticed wrong information who dont belong to me.And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I sent a letter asking them to reinvestigate these accounts listed below XXXX XXXX XXXX XXXX creditor name Open balance XXXX $ XXXX XXXX XXXX XXXX Original creditor name Open Balance XXXX $ XXXX XXXX XXXX XXXX XXXX Original creditor name Open Balance XXXX XXXX They have not responded to 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 non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting 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: WA

Complaint narrative:
Initial notice was sent XX/XX/year> for the amount of {$360000.00} company has not responded to my initial notice that was sent inquiring about the reporting of the loan on the credit file without the written or verbal consent of the consumer of the loan, as well as the consumer exercising their right to opt out of secondary reporting agencies. The company has not responded nor taken any steps to resolve the dispute.

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 2024-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
Skrill USA , Inc. decided to close my account on XX/XX/year>. In the communication, Skrill USA , Inc. stated, " The remaining balance of your account will soon be refunded. '' However, 8 months passed, despite countless effort I have put to contact and communicate with Skrill USA , Inc., and despite Skrill USA , Inc. customer care team repeatedly made the same statement, I'm not seeing any refund issued to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Would you kindly ensure the expeditious removal and blocking of these fraudulent accounts from my credit report? These entries are unauthorized and may signal fraudulent behavior. Taking immediate action is crucial to protect the integrity of my credit profile and prevent any additional unauthorized access. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX  credit card account reported to the credit Bureaus that my account is delinquent, past 30 days late. The credit card is PAID IN FULL, and payment arrangement were made in order to avoid this credit reporting. As a result of such actions my credit score dropped significantly, and I request for the remark be removed from my credit report IMMEDIATELY.

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This account has been involved in multiple data breaches.

Company response to consumer: Closed with explanation