vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
MEMO TO : XXXX XXXX, Co Founder of XXXX, XXXX XXXX XXXX XXXX American First Finance XXXX XXXX XXXX XXXX American First Fiance XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, CFO of XXXX XXXX XXXX XXXX XXXX XXXX, Chief Operating Officer of XXXX XXXX Customer Service, XXXX XXXX XXXX, Chief Legal XXXX of XXXX XXXX XXXX XXXX Customer Service, XXXX FROM : XXXX XXXX XXXX XXXX : Federal Trade Commission, File # Florida XXXX XXXX XXXX File # Consumer Protection Agency, File # Consumer Financial Protection Bureau, File # Federal Trade Commission, File # DATE : XX/XX/2023 RE : American First Finance Loan # : XXXX. The loan servicer will not accept my credit card payment for the final loan payment. 






I am writing this letter to the executive leadership team of XXXX, the financial holding company of American First Finance, and to report to Consumer Protection Agencies listed above to inform of the deceitiful and injustice policies of American First Financial maintains. 

I took out a XXXX  days loan of {$990.00} to purchase a refrigerator on or around the second week of XXXX which has an Early Purchase Option Amount in which I have 0 % interest loan. To avoid balloon loan payments that will double the cost of the initial purchase to {$2000.00}, I called and spoke to the American First Finance Representative and asked to make a credit card payment to pay off the balance on the account of {$470.00} - see below. The Representative stated that the company can NOT accept credit card payments only debit card payments. I asked her to explain why credit card payments are not a form of payment and she could not explain the policy. I asked to speak to her manager, and I was abruptly disconnected. 

Using a credit card is a legal monetary tender, and I was denied the right to use this tender. I recognize there is a nominal fee associated with the credit card transaction and I am happy to defray the fees associated with using a credit card. I believe American First Financial uses the no credit card processing policy as a deceitful and unfair policy to keep the American public indebted to their financial institution. Again, if I do not make payment by XX/XX/XXXX, my loan balloons to {$2000.00} even if I owe {$470.00}. 

Due to the time-sensitivity of this letter, I am requesting the senior leadership team of XXXX and/or American First Financial to address my concerns by emailing me at XXXX or XXXX to resolve this matter in a timely fashion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
A complaint was sent to Experian to investigate inaccuracies on my consumer report on XX/XX/2023. 
The investigation is more than 30 days According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 
Update this accounts as paid in time. 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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I asked to validate this inquiries on my consumer report that I do not recognize on XX/XX/XXXX. 
XXXX ( cfpb case number ) XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. 

Its been more than 30 days please delete this inquiries that are not mine from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: WI

Complaint narrative:
I received 4 emails concerning that a bank account had been opened at Bank of America. I do not have a Bank of America account and have NOT tried to open an account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: AZ

Complaint narrative:
I asked to validate this inquiries on my consumer report that I do not recognize on XX/XX/XXXX. 
XXXX ( cfpb case number ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This is a violation of my rights. 

Its been more than 30 days please delete this inquiries that are not mine from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, 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:
Once again Experian does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.

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 2023-04-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I bought a XXXX  XXXX XXXX from BMW of XXXX last year on XXXX. When I first got the car I started noticing a strong mildew smell and some mildew in some of the seat belts. I brought my car in and they cleaned and charged the air filter and then that same week I had to brought it in again because electrical damage associated with the turbo. They replaced the turbo and it was covered under my extended warranty, but I still could smell the mildew in my car and I even got sick because of it. Then, 8 months after buying this vehicle, at the beginning of XX/XX/XXXX, I left it park outside my home and water got into my car through the moonroof which was closed, this caused damages to my vehicle to the point that it is not drivable anymore and the cost of fixing it is higher than the cars value. I have been trying to get a solution from BMW but they always say that they are not responsible for that, when other BMW dealer already told me this vehicle has a defect in the moonroof and thats why water is leaking through it. I frankly dont know what else to do, but Im 100 % sure that they sold me a car with water damaged. I have tried to come to an agreement with the dealership since XXXX but they havent given me any solution and expect me to continue paying for this vehicle, and I still owe $ XXXX. This has been so stressful for me that it has affected my health and personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the documents attached. 

This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: U.S. BANCORP
State: KY

Complaint narrative:
On XX/XX/2023 U.S Bank decided to put a hold on my cc and requested documents to be provided to them for authentication of identification. They asked for copies of social security card, drivers license, last two years of federal tax returns, and two months of statements for personal checking accounts. This information was faxed to U.S Bank on XX/XX/2023. Spoke with them on XX/XX/2023 to verify they recieved the documents and at the at time they stated that yes and after a review of the documents they would be closing the account and it could not be reopened provided no information as to why they decided to close. I proceeded to ask to redeem the rewards from the card that was accumulated over three years. I was informed because the account was closed the rewards could not be redeemed. They gave no notice they were putting a hold on the account or closing the account which prevented me as a consumer the ability to prepare and redeem the rewards ahead of time. The amount of rewards is near XXXX that was earned by me for using the card and paying off the card every month in time. Over three years never missed a payment and never recieved any interest as the statement balance was paid off every month.

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 2023-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Repeated calls and threats to me for an old debt that i was trying to pay. Humiliated and use very aggressive tactics if i didn't resolve the situation. This caused me grave stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Once again XXXX does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.

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 2023-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Once again XXXX does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: GA

Complaint narrative:
XXXX complaint was ignored and a false resolution was provided. This has taken longer than 30 days an the generic response is just a way for he agency to continue to house inaccurate and illegal information on my profile which I still have no access to despite me sending the tons of files as proof I can not be authenticated to even view my profile and should not have to be on hold and go through lengthy calls to ask for a report only to have to wait up to 15 business days to view the report if I am home and not traveling by the time it arrives.

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 2023-04-25 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: DISCOVER BANK
State: MA

Complaint narrative:
This company is reporting status of account incorrectly to XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 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: CITIBANK, N.A.
State: MA

Complaint narrative:
This company is reporting status of account incorrectly to XXXX, XXXX and 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 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The entire ordeal started with 18 charges to a fraudulent website starting last XXXX. It took multiple calls to customer service to try to dispute the charges and get adjustments. In the end there was only 14 of the 18 adjusted. Of the 14 adjusted all of the charges reapplied.

After multiple calls to customer service I was told it was because you needed additional information, and electronically sent a letter requesting it.

However, I have no access to such letters, and agin multiple calls to customer service couldn't explain why I didn't have access to the documents. Finally I was told computer error, but the charges couldn't be readjusted because I didn't respond ( to paperwork I never got ).

At this point, all I wanted to do was close the accounts, but wasn't allowed to do that either. So I decided to withdraw the funds. Nope, account locked, and again, multiple calls to customer serve ( which is a joke in itself ) resulted in nothing. 

So... 

XXXX. There's $ XXXX dollars in reward money that was supposed to be credited to the account which has just disappeared. 

XXXX. There are {$830.00} worth of charges to a fraudulent website, which neither you nor I can get in touch with that you wont adjust and wont re-dispute. 

XXXX. There's a checking and saving account with funds that you wont release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
My personal information got leaked in the XXXX data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, and they intern reached out to the companies that were showing up on my credit report. At first all of the items were removed from my credit report and then about a week later all items begin to appear on my credit report again, but the amounts were different and it appear to have different account numbers which is fraudulent these companies have never reached out to me in reference to any of these accounts Nor have these companies sent anything to me validating that these debts actually belong to me. These companies are putting these negative marks on my credit report without my permission authorization, knowledge or consent from I was never even notified I learned of these things through 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 2023-04-25 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: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have complained and disputed these charges multiple times and I will continue to as long as they remain in my credit. This company lied from the beginning to get my business then reported over {$1400.00} late for XXXX that they failed to discuss with me first because I couldve very easily handled it. Now they are ruining my credit by continuing to report late payments. I requested to lower payments for a few moths before I got behind in payments to avoid getting behind and they allowed me to only to report that I am late on my credit and continue to damage my credit. Everybody complains about this companies disgusting behavior and nothing is being done about it. This needs to stop now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear Customer Support Team, I am writing to you today to submit a formal complaint regarding the permanent limitation that has been placed on my PayPal account. I strongly believe that this decision was made in error and I would like to appeal the limitation placed on my account. 

Firstly, I want to clarify that I have not violated any of PayPal 's policies. I have always followed the guidelines provided by PayPal and have never engaged in any activities that would violate your policies. Therefore, I believe that the limitation placed on my account was unjustified. 

Furthermore, I would like to request that PayPal re-investigate my case and restore my account if possible. I am confident that a thorough review of my account will confirm that there has been a mistake and that my account has been wrongfully limited. 

I would like to assure you that I take PayPal 's policies and guidelines very seriously, and I am willing to provide any necessary information or documentation to support my claim that I have not violated any policies. I would also like to request that you provide me with more information about the reason for the limitation, so that I can better understand what has led to this situation. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. 

I hope that you will consider my appeal and take appropriate action to resolve this matter as soon as possible. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/23 - A {$560.00} check was deposited, check was endorsed and signed - Funds were supposed to be available on XX/XX/23 - Due to phone number not matching the third party for verification, a decision was made to close account on XX/XX/23 - Capital One customer service informed me I will be receiving funds in the mail within 5-10 days - Capital One customer service has continuously gave false information about where the funds are and when the account will be closing. Last time I called on XX/XX/23 the agent informed me my account was still being investigated. 
- It is now almost a month later with no update or funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
I did a money ( {$100.00} ) transfer with XE Money Transfer on XX/XX/2023 and the recipient did not get the money. 
I asked the company to investigate. The company at first went on different direction verifying my credentials even though it was already done when I opened the account with the XE Money Transfer Company and lost sight of my inquiry about the recipient not getting the money. I reminded them. The company mentioned that it has started the recall process. 

As of today, XX/XX/2023 I have not received a refund.

Company response to consumer: Closed with explanation