vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XX/XX/XXXX XXXX closed out CFPB complaint XXXX claiming it was a duplicate of CFPB XXXX. It in fact was not as XXXX provided detailed evidence that showed the account, as reported across the CRAs, contains facially false data and illogical data. In particular, the account/trade reports derogatory information that predates earlier reports that did not include the derogatory information, and information that is plainly inconsistent with other reported information, such that one piece of information must is inaccurate. From XX/XX/XXXX to XXXX XX/XX/XXXX, XXXX willfully or negligently failed to comply with its responsibilities under the FCRA found at 15 U.S.C. 1681s-2 ( b ) by initially failing to conduct a timely investigation with respect to the disputed information contained in the Consumer 's credit reports after receiving notice of the disputes by XXXX, Experian, and XXXX, by failing to review all relevant information provided by XXXX, Experian, and XXXX, with respect to the Consumer 's disputes FCRA found at 15 U.S.C. 1681i. Despite XXXXXXXX XXXX assertion they are reporting the account correctly they are indeed not and at minimum continue to verify facially inaccurate information with Experian, XXXX, and XXXX. While XXXX may insist " they are responsible for [ furnishing ] data [ regarding the Consumer ] but are NOT responsible for how the data is displayed [ by the CRAs ], '' they share equal culpability with the CRAs for the errors in the Consumers file for the account/tradeline because " CRA [ s ] can best fulfill [ their ] obligation to report accurately under [ 15 U.S.C. ] 1681e if [ they receiv [ e ] accurate information from a furnisher under [ 15 U.S.C. ] 1681s-2 '' ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) ). XXXX has simply been asked to fix the errors and to cease verifying inaccurate/incomplete/misleading/false information for the Consumer. Discovers inability to fix those errors is clear indication that it lacks adequate policies and procedures for assuring maximum possible accuracy of information they furnish to the CRAs regarding the Consumer, placing XXXX in violation of 12 CFR 1022.42 ( b ) and 12 CFR Appendix E to Part 1022 at III. Violations of 12 CFR 1022.42 are considered to be willful when it is inconsistent with authoritative guidance of a Federal Agency ( Fair Credit Reporting ; XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) ; referencing 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

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was offered a retention bonus of {$150.00} provided I spend {$1500.00} within 3 months. To my knowledge I have fulfilled the terms of the agreement on my end yet did not recieve the bonus. 
The companies conduct has been extremely disappointing, while trying to resolve this issue I have come across the following issues/complaints : XXXX. Initially at the time of first receiving the offer and at various intervals following that date, I had requested a copy of the terms of the offer, the company had promised to deliver such terms by email yet did not follow through. Recently it has been made clear to me that it is company policy to only provide the terms at the time of initial offer, and orally, they have confirmed that they do not provide written terms even upon specific request. 

XXXX. When making a recent request for clarifications regarding the non-received bonus, the company initially claimed that no bonus was offered, after persistent messaging, the company conceded that the offer existed yet claimed that the terms were not met. 

XXXX. I filed a complaint with the company and finally received a response that they will not honor the agreement, claiming that I had not fulfilled the terms. 

My complaint is that ( i ) I have never received the terms of the offer in writing though I have requested such confirmation of terms on multiple occasions, thus denying me the ability to reference them in the future as the need arose ; and ( ii ) I have completed the required spend, and I have fulfilled the terms as I have understood them and as according to my recollection have been described to me in the oral agreement at the offer date, but according to recent inquiries the company maintains a different time frame and thus maintains that the final spend was outside the time window, the company therefore refuses to honor their side of the agreement.

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 2024-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On Tuesday XX/XX/XXXX {$5000.00} was deposited in my account in certified funds which were United States Postal Money Orders. Chase put a hold on these funds after the deposit was made therefore preventing the deposit to be returned. The bank against their own policy when it pertains to certified funds put a 7 day hold on my funds which were paid to the bank on XX/XX/XXXX. Which the United States Post Office provided me proof of! Furthermore the bank even verified the funds and refused to remove the hold causing me to have to cancel a very important trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE SEE ATTACHMENT FOR THE FOLLOWING 6 ACCOUNTS TO BE DELETED FROM MY ATTORNEY. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Re : Santander / Chrysler Capital double billing Over XXXX callers were waiting for an agent when I called Chrysler customer service, XXXX, XX/XX/XXXXXXXX  I made 2 payments in XX/XX/XXXX using my XXXX debit card. Each payment was in the amount of {$460.00}. I also made a {$460.00} payment on XX/XX/XXXXXXXX XXXX using the same XXXX debit card. The first payment was processed on XX/XX/XXXX. The second payment was processed on XX/XX/XXXX XXXX XXXX The XX/XX/XXXX payment was also processed by my bank. The XXXX bank statement shows both XXXX payments posted and no payments were returned. I am waiting for the XXXX bank statement. 

Santander / Chrysler Capital insists that the XX/XX/XXXX payment was returned. 

On XX/XX/XXXXXXXX  I submitted my bank statement for XX/XX/XXXX. No payments were returned. 

Santander /Chrysler Captial has not applied all of my payments and is attempting to double bill me, a practice Santander has been sued for in the past. 

The call requesting the bank statements on XX/XX/XXXX with a supervisor has a recording ID # XXXX. I faxed the XX/XX/XXXX bank statement to XXXX ( see attached ). 

The supervisor ID # XXXX stated I made a payment on XX/XX/XXXXXXXX XXXX XXXX which I didn't. Each time I call them, they say I missed a different date of payment. Then the supervisor said all the payments will be posted next week. And that I am current. This was after I told him I am contacting the CFPB. 

My Chrysler Capital account has not been updated online. And I don't know why they are trying to double-bill me. I do not believe them because every day I call, a Santander/Chrysler Captial representative changes the dates of the missed payment. 

Kindly assist. 

Thank you, XXXX XXXX Please help me, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am XXXX XXXX XXXX  woman who applied for a home equity loan from Bank of America on XX/XX/XXXX. I faxed them my XXXX and XXXX tax returns as requested, and tried unsuccessfully to get in touch with them to obtain the status of my loan. I also sent my homeowners insurance. Almost six ( 6 ) weeks later, I was informed that I was missing pages of my tax returns as well as other documents. They also kept asking for additional documentation and stated that I needed to sign a document that they never provided me, despite my repeated requests. They asked for business tax returns which I informed them that I did not not have since I have never filed business returns. They asked for profit and loss statements which I told them I have never prepared. I spoke to XXXX XXXX and told her that I was going to make a report to the federal government. Her tone became very hostile and she stated that I was going to do this after they trying to help me, and then stated I was on a recorded line. I repeatedly ask that a determination be made on documents that were submitted. I sent an email hat I would be making a report to CFPB and half an hour later XXXX XXXX, emailed me that my account was closed because it was incomplete. I was also dealing with XXXX XXXX, XXXX XXXX. XXXX lied and sayid they spoke to me when my phone record showed the " call '' lasted for a minute. I was not available to speak. 
It is my firm belief that Bank of America is doing this to frustrate customers and to deny home equity loans..

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 2024-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America advertised a transfer promotional rate of 0 % until XXXX of XXXX. Based on this information, I transferred the amount of {$4500.00} from a different credit card to Bank of America. Bank of America charged me {$130.00} to make this transfer. 
When I received my recent Bank of America statement, it indicated that I am only receiving this promotional rate on {$13000.00} of the balance transfer. 

When I contacted the customer service department of Bank of America, I was only told that the problem would be " reported. '' I believe that Bank of America has fraudulently advertised this offer to improperly induce consumers to transfer balances from other credit cards. It is then only providing the promotional transfer rate to a small part of the transferred amount.

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 2024-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO

Complaint narrative:
In XXXX of XXXX I applied for refinancing with XXXX  of XXXX  before the second mortgage matured in XXXX of XXXX and in XXXX of XXXX they turned me down. I asked about a modification load and they played their game so I when for refinancing with a different company. I was turned down by th because the bank had posted a 90 day late charge to my credit. I wrote a letter to the credit department but never received a response.The bank continued taking my payment for the next 3 years before selling the contract to SPS. I continued to pay the payments to SPS starting in XXXX of XXXX. I tried to get refinanced with another company because the interest rate was better than what I had now. I again was turned down by other companies and found out that this company was posting 90 day late charges to my credit account. I never missed a payment with them and havebeen sending the payment by registration mail. I asked the bank if I could give them a partial payment but they want full amount. In XXXX of XXXX they told me they were not going to except any more payments but I still continued sending payment that they destroyed and sent letters saying they had done that. In XXXX this year they indicated they were foreclosing on the house in XXXX. They indicated there no other option for them. I offered 50 % of the amount but they want it in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was a VICTIM of Identify Theft and my information was sold due to the EQUIFAX DATA BREACH between XX/XX/2022 and XXXX. It cost me XXXX  XXXX ( XXXX ) in total in hours lost time spent, new accounts made and work lost due to the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 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: PA

Complaint narrative:
XXXX XXXX was updated to XXXX but the remark needs to be closed it was never charged off and as bad debt.

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 2024-01-19 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX XXXX Date of inquiry : XXXX2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Date of inquiry : XXXX/2022 Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I received a bill from Lowe 's and synchrony regarding a charge from XXXX TX for {$510.00} which I never made. We live in XXXX NY and have never visited XXXX TX. This charge was apparently made on XX/XX/XXXX. After calling to report this matter we were informed we had to go through a process we believe violates our privacy including a video and access to our cell phone and copy of my driving license?

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 2024-01-19 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: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/2023, I purchased a vehicle and extended warranty from US Auto Sales. Although the warranty was rolled into my loan, the payment was never made to the warranty company ( XXXX  ). My vehicle broke down XXXX weeks after I purchased it ; its doors were closed, and they did not make good on the XXXX XXXX XXXX warranty, nor did they pay for my extended warranty. I had to pay to get the vehicle repaired. At XXXX weeks, my vehicle broke down again. I had it towed to the mechanic and spent several months trying to get the vehicle repaired. XXXX refused, citing that they were never paid. When the account was transferred to Westlake Portfolio Management, they refused to address the issue, citing that they just service the loans and that the defunct US Auto Sales would need to be contacted to resolve the issue. Approximately 2 months ago, I contacted Westlake again, as they had reported a delinquency on my credit report to address the issue. They stated that a warranty was purchased and that I had access to it. This was some 6 months after my vehicle purchase. The mechanic recently reached out to Westlake to find out if they wanted to pick up the car ; the mechanic was told they did not want the car. US Auto Sales breached their contract, and I'd like this account moved from my credit report and the contract canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
I received a notification that one main financial institution was ordered to pay back a large sum of money based on inaccurate information upon opening account I have been paying on this account for more than 3 years with no end of finishing my payments I feel like I have been manipulated and day-to-day increase of Finance charge that exceed way more than I can afford to pay so with that being said I'm interested in adding my name to the list of clients that have been wrong doing in the process of completing my loan

Company response to consumer: Closed with explanation