vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America did not provide terms and conditions when my account classification change. They began charging me {$12.00} per month when my account dropped below the {$1500.00} balance for any day during the previous month. I was not told about this fee or the method of computation used to determine the fee. Therefore, the bank kept assessing the fee event though my average daily balance exceeded the {$1500.00} requirement. Additionally, I was not sent a terms and conditions disclosure related to this fee. 

Bank of america kept assessing this fee after my account reached {$1500.00} balance and indicated that the fee was for the previous month. My chief complaint is non disclosure, no cosistent method of assessing fees and how the fee policy keeps changing to their beneift. 

Fee method 1 - {$1500.00} average balance for the month 2 - {$1500.00} daily balance 3 - {$1500.00} balance the previous month Fee concerns 1 - {$12.00} assessed in the current month 2 - {$12.00} assessed for the previous month 3 - {$12.00} assessed based on your statement cycle date I feel that Bank of America 's fee policy is Unfair, Deceptive and quite XXXX  They are using the fee policy to their benefit without providing a consistent application method and process. Therefore, I would like to see a remedy through the CFPB. 

Note : This problem was reported to Bank of America on XX/XX/2021 at XXXX XXXX  CST. The representative failed to refund any fees.

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 2021-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime has been providing secret backdoor access to my account which has involved the loss of assets believed to be in the thousands of dollars. It is difficult to ascertain the true amount of losses as I have limited access to the " my account '' and I have absolutely no access to a person at Chime to address these issues. Further upon information and belief there is another person, unbeknownst to me, who has secret, unauthorized primary cardholder status to the account and I am merely an additional cardholder. This setup was done, if done, without my knowledge and consent. What is happening in the background is that because of this setup I am loosing enormous amounts of money to which I am not supposed to know that I am loosing and which amounts are being debited against the account with which I am not supposed to know. This corrupt fiduciary behavior is causing and has been causing me severe financial and emotional distress. And as stated earlier, there is never a person available at chime to speak with. Chime closes chat sessions the moment I establish these sessions. So I am completely in the dark with respect to managing this account and this behavior is not consistent with a bank and bank regulations regarding the handling of customer assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have an unknown hard inquiry from " Jpmcb Card '' ( aka Chase Bank ). I've contacted XXXX  last month on late XXXX to file a dispute and never heard back from them. I've recently contacted XXXX again on Tuesday XX/XX/2021 to follow up on the dispute. 

XXXX  stated they have submitted the request of deletion to the creditor " Jpmcb Card '' but they did not act on the request. I was referred and recommended to contact the FTC and to file a police report. I received the creditors information from XXXX  and will be contacting them tomorrow on XX/XX/2021. 



The contact information for the creditor " Jpmcb Card '' I'd received from XXXX  is : XXXX XXXX XXXX XXXX. 

Thank You for your help and time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a copy of my rental report and found several errors reported by XXXX XXXX XXXX XXXX XXXX where reported under Docket Numbers ; XXXX XXXX XXXX XXXX These items are reported as forcible detainer which implies I was evicted when I am currently a resident. 

I was never late or evicted. I am disputing this information because it is in accurate. Please remove from 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 non-monetary relief
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
There's a derogatory mark on my credit profile that I keep disputing due to a fraudulent claim or some sort of misunderstanding on the debtors part. Somehow, it keeps magically appearing on my report by different companies as if they're selling the debt to other companies. This is so frustrating. So much hard work has been put into my credit profile ; making payments on or before due dates, and not missing payments. This is appalling to me. I have nowhere else to turn. I'm tired of building my credit only to be faced with having to dispute an account that I didn't create. I've never been to the establishment that says that it's me who owes them. Please have this error removed. Thank you so much for your time and patience. Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/XXXX I completed an Identity Theft Report for a account on my credit report from Equifax called XXXX  XXXX. This account has been reporting for almost 7 years. In XXXX I disputed the account as not mine and Equifax had deleted the account. In XXXX I noticed the account was re inserted without my notification. In an attempt to solve this account problem I reached out to XXXX  XXXX DBA XXXX XXXX to offer a settlement for removal in which they refused. 
I then asked for a signed application for credit from the location documented as having given me this loan. No response. 
In XX/XX/XXXX EQUIFAX CONSUMER REPORTS changed the so called initial date of delinquency for this fraudulent account to XXXX XXXX. At one point EQUIFAX had been reporting this account as open with monthly payments! 
I am attaching my Identity theft report, a copy of Equifax reporting from annual crexit report showing a XXXX  of XX/XX/XXXX, and other relevent information. 
I want EQUIFAX to remove this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
You have answered the complaints but you have not answered any of my e-mail. you say this can be done amicable but you have not answered any of my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: Millco Management
State: FL

Complaint narrative:
On XX/XX/2021 I checked my credit report and it has been brought to my attention that Amerifinancial Solutions LLC has 2 negative remarks on my report of {$1600.00} each. The total debt they are claiming that I owe them is {$3300.00} ( see negative_remark.jpg ). On XX/XX/2021 I mailed Amerifinancial Solutions , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Amerifinancial_solutions_letter.pdf ). I mailed Amerifinancial Solutions , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see XXXX ). These letters are tracked and they show that they have been delivered, signed for, and received by an Amerifinancial Solutions representative. It has been over 70 days and I have yet to receive any response from Amerifinancial Solutions.

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 2021-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I DEPOSIT 2 CHECKS INTO MY SAVING ACCOUNT. ONXX/XX/2021 AT A WELLS FARGO BANK CHECKS AMMOUNT {$4100.00} PLUS {$3400.00} SINCE I DEPOSIT THE CHECKS LAST WEEK, CHECKS ARE STILL ON HOLD

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 2021-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX listed in collections for XXXX  XXXX XXXX. Just appeared on my credit report all 3 bureaus. I have never been in contact with either and per XXXX  this is fraud that has already been reported. XXXX XXXX XXXX XXXX  and no entity exist now or ever. XXXX XXXX XXXX XXXX  has been list as a fraudulent debt collector operating under various names at the same address in the State of California.

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 2021-05-26 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: Exeter Finance, LLC.
State: TN

Complaint narrative:
This is in response to your recent claim that the Account # XXXX is belong to me that is my account, Yet you have failed sending the Wet Ink contract bearing my signature and an agreement showing I have legal obligation to pay you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Porsche Financial Services, Inc.
State: FL

Complaint narrative:
they keep denying me for XXXX  but told the credit manager at bentley that bc i filed for bankruptcy 14 years ago even though i withdrew my filing and was dismissed in XXXX, but in the letters they XXXX  and say something else i just bought a XXXX bentley not sure why this is my 4th one and they keep denying me i belive there really denying me bc im XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Solutions LLC
State: LA

Complaint narrative:
On XX/XX/XXXX I received a call from XXXX XXXX XXXX requesting payment on behalf of XXXX XXXX not only for the debt but additional costs to keep this out of court. I agreed to pay a settlement amount of {$590.00} ( original debt was {$370.00} ). I paid it ( bank statement shows as Debt Solutions ) but later that day I received an email from them saying the amount was {$500.00}. I emailed them back asking for the payment amount to be adjusted but received no response. Today XX/XX/XXXX, my husband and daughter received calls stating that there was pending legal action against me and I needed to call XXXX and my file number was XXXX. I called back and spoke to XXXX XXXX and although she was very nice she told me that the balance was {$340.00} but they were suing me for Brach of contract and an attempt to defraud using an FDIC bank and would have to pay {$2600.00} if it went to court. I told her it was paid and I explained that I was at work and the proof as at home did I have time to get that documentation together and she couldn't really answer that question so agreed to pay it and take it up with XXXX XXXX. I have made multiple attempts to contact them by phone but when I do it tells me to enter the last 4 digits of my SS # and after multiple tries it tells me this has been turned over to a 3rd party please contact and it doesn't actually say a company name just if I think it is an error press zero so I do and it either disconnects or tells me they are closed. I also attempted to contact them via email. I have proof of both of these payments ( as well as the payoff information on a line of credit I just paid out with them ). I also went back online to verify the 1st payment to XXXX & XXXX/Debt Solutions this evening to be sure I was not mistaken on who that was for and it is definitely XXXX XXXX that I made the XXXX payment for and now it shows a credit balance of {$220.00} and says the settlement offer is {$250.00}??? I have copies of that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP

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 2021-05-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation

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 2021-05-26 00:00:00
Product: Checking or savings account — 
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive had fraud happen to me many times. Stating im married when im actualmente single. THE DEPARTMENT OF EDD TRIED USING MY INFORMATION ON THEIR BEHALF. THEY EVEN SAHRED AND EXPOSED MY INFORMATION. IVE LET THEM KNOW ON THAT MATTER AND THEY HAVENT DONE ANYTHING ABOUT IT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX. 2020, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied to have my information updated over 60 days ago. No reply nor results : please have all unverifiable and un authorized information removed off my credit. I will have to file for litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
This company have called and told family members about my debt that I owe and this is a violation with my privacy. They have called my job and did the same thing and this is no one else business but mine. They are in violation for doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/2019 the amount of {$960.00}, I have dispute this many times using XXXX, that this was a credit card fraud. Its showing in my credit that the account information disputed by consumer, meets FCRA requirements. Its already been 1 year and 11 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
XX/XX/XXXX- called and then emailed the forbearance request. I was told we were approved for 3 months and after the 3 months resubmit if we need more time. 

XXXX started loan forbearanceXX/XX/XXXX resubmitted for another 3 months of forbearance. 
XXXX was last month of Forebearance. 

XXXX started making my regular loan payments as forbearance period ended. 

I was told that the interest accumulated during the forbearance would be tacked on to the end of my loan or if I refinanced or sold my house I would pay it off then. 

I have been going back and forth with bank of hope for almost 2 months trying to get something g that says this. We are trying to refi and every other bank is providing this type of letter. We are being penalized and told it will take months for us to get a letter. We have been making payments since XX/XX/ and they have taken all to interest and none to principle. I feel we are being taken advantage of and penalized for the covid relief program. This is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: USCB Corporation
State: AL

Complaint narrative:
This school has charged me for funds that I do not owe. They have already taken the financial aid and still want more money. These collection companies do not have permission to my personal information so how have they got it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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:
Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: UT

Complaint narrative:
I am in the process of purchasing a home, which required my credit to be pulled. This complaint is due to a collection from XXXX XXXX XXXX who has a collection filed against me with XXXX, XXXX  and Experian, which dropped my score significantly. I received no phone calls or contact via US Mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification regarding the debt. Had I been reached out to, it would have been advised this collection is a result of Identity Theft which a formal complaint has been filed with the FTC, acknowledged by authorities and submitted to the credit bureaus. 

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 2021-05-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been working on my credit since XX/XX/2021. I have not received not one update from either one of the credit bureau. My information is not reporting correctly and needs to be updated or I will have to file for litigation. I sent in letters that need to be updated or removed. Please update ASAP

Company response to consumer: Closed with explanation