vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo has my account in the- {$900.00}. I have been contacting this bank for over a month to correct my account. This institution owes me money because of they reversed some checks in my account that was drawn on their bank from a pay out they old me. The institution stated that the check was deposited twice into a XXXX XXXX XXXX account the XXXX XXXX XXXX  provide sufficient documents showing that the checks was return to maker and Wells Fargo never paid the checks twice now Wells Fargo old me money I need to fix my account they owe me {$930.00}. This has caused me mentally and financial stress. This problem have not been resolved after going into the branch twice being told to re-deposit the checks. The checks are not being excepted in. Everyone seem to be lost every time I call. If we can contact us institutions to fix my account that would be great, and if they do not fix my account within the next 30 days, I would like to file a lawsuit against them for financial compensation.

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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I reported fraudalent charges for my Business credit AMERICAN EXPRESS card back in XXXX there was charges for XXXX posted on XXXX 4 times total of {$4100.00} XXXX XXXX fees 4 times as well total {$150.00} plus interest fee and late fee. I have call 10 times from XXXX and NO ONE can help me. Everytime I call they stated I am sorry but the case was not file but i will file this claim for you I apologize and ON AND ON. My account now is past due and collections from XXXX XXXX is requesting me the payments. I called customer services again and now i am asking for names and ID employee numbers, there is no resolution. I called I spoke with XXXX  Employee id XXXX and give me a case # XXXX Again I am sorry for this problem. No one even have this charges on dispute, I called again back in XXXX and I spoke with XXXX and she promise me she spoke with the fraud team and they will give me all the credits in XXXX hrs. Guess what NOTHING I received a phone call from collections again. This is terrible, I DONT KNOW what to do anymore. I asked customer services why the charges are not even in dispute? how this is going to be reported on my credit bureau? NO one knows. This is not a joke that is what they told me. Plus when I open this credit card back in XXXX it was a promotion for 18 months no interest. Guess what they charge me interest fee back in XXXX And XXXX I called and they told me they will take care this. WELL NOTHING. I need help please I am only asking remove the fraudalent charges and updated my balance so i can pay my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023 I had realized that my Bank of America checking account was compromise with two unauthorized transactions one was a wire transfer for the amount of {$3200.00}. 
The other one was the XXXX  transfer for the amount of {$3500.00} to A person by the name XXXX, XXXX XXXX XXXX confirmation of transaction # XXXX. 
Both transactions were made on the same day assuming the same person. I have screenshots of the transaction, and they were made by the same person. And my application for my Bank of America mobile app I was able to check the last few numbers off a cell phone number, which did not match my.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the fair credit reporting act 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 15 U.S.C 1681b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: VA

Complaint narrative:
XXXX sent a closed account to collections company SOURCE RECEIVABLES stating that I owed money for equipment and additional service. When I closed the account i ported the phone number over, prior to I had just made my last payment. I requested return service for the equipment, and this never happened. I called XXXX several times to return equipment. XXXX never closed the account as requested and continued billing on equipment no longer used. 

This statement is from SOURCE RECEIVABLES, the collection agency XXXX CONTRACTED to collect on. We have received and reviewed the consumer complaint. Source Receivables Management is a third- party collections agency that was hired by XXXX to collect on past due funds. Source Receivables Management does not own any debt. XXXX placed this account, XXXX Account # XXXX, with our agency on XX/XX/2022 with a balance of {$2200.00}. Of this balance, {$1600.00} were due to XXXX charges for devices. The remaining balance was for services rendered. If devices were returned, we would need proof of the returns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXXXXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXXXXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: NY

Complaint narrative:
I have tried to pay off the loan multiple times but the Advocacy Team Has not been responding to any emails or phone calls. The representatives have tried to get through with Moneylion advocacy team but they are not responding. I have taken ownership of the account and willing to pay the balance off. I have also been locked out the account and it has been suspended so I am unable to make any payments. XXXX XXXX XXXX of the advocacy team members has stopped responding to emails.

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 2023-03-18 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: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Citizens Bank for inaccurately reporting two late payments on my credit report. Despite making my payments on time, Citizens Bank has reported me as being late for the months of XXXX and XXXX, and this has significantly impacted my credit score.

I have attempted to resolve this issue by contacting the company three times, but have received no assistance in rectifying the situation. The representatives I spoke with informed me that they would call me back, but I never received any follow-up communication from them. 

As a consumer, I demand that Citizens Bank comply with the Fair Credit Reporting Act ( FCRA ) and immediately fix this issue on my credit report. I also request that they provide documentation supporting the late payments they have reported, as I have no record of being late with my payments. 

I urge you to take swift action to ensure that Citizens Bank is held accountable for their inaccurate reporting and failure to assist me in resolving this matter. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, 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: OR

Complaint narrative:
In accordance with Fair Credit Reporting act this creditor has violated my rights under 15.USC. 16.81 section 602 states I have the right to privacy.

15 USC 16.81 section 604a section 2, states an credit agency can not furnish account information without my written instructions.

15 USC 1666b states that a creditor may not on an open credit card account treat a payment under an open consumer plan as late for any purpose.

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 2023-03-18 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report. After reviewing my credit report, I have noticed several inaccuracies that I would like to address. 

Firstly, the account number XXXX with XXXX has been reported as late payment, but to the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. I request that you update this account and delete the inaccurate information immediately. 

Secondly, the account number XXXX  with XXXX XXXX XXXX is questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

Lastly, the account number XXXX with XXXX XXXX is also questionable as the name and number are unclear. I request that you clarify this information to me or delete this account immediately from my credit report. 

I hope that you will investigate these items and take appropriate action to rectify the inaccuracies. Please inform me of any updates or progress made in this matter. Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-18 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am writing to bring to your attention a concerning issue I have been facing with BMW Financial Services. Recently, I discovered that they have misused my credit report and have not removed any late payment reports from my credit report even after my car loan has been fully paid. 

To provide some context, I had taken out a car loan from BMW Financial Services a few years ago. Throughout the duration of the loan, I made all my payments on time and in full. However, despite this, BMW Financial Services reported multiple late payments to the credit bureaus, which had a negative impact on my credit score.

Furthermore, even after I had paid off the entire loan, BMW Financial Services did not remove any of the late payment reports from my credit report. This has continued to negatively affect my credit score, making it difficult for me to obtain credit in the future.

I have attempted to rectify this situation by contacting BMW Financial Services multiple times, but they have been unresponsive and have not taken any action to remove the late payment reports from my credit report. 

I believe that BMW Financial Services ' actions constitute a violation of the Fair Credit Reporting Act and have caused me significant harm. I kindly request that you investigate this matter and take appropriate action to ensure that BMW Financial Services rectifies their error and removes the late payment reports from my credit report. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I took out a loan with Hyundai Motor Finance in XXXX for a vehicle. I turned in the vehicle in XXXX and was unable to pay the balance due on the loan. In the fall of XXXX, I hired a credit services company to negotiate and most of my existing debts. They connected with Hyundai Motor Finance in XXXX XXXX and negotiated a settlement payoff of {$1800.00}. Hyundai was then given the routing/account number of my bank account to submit an ACH withdrawal with the agreement that the account would be paid in full. 
In XXXX, XXXX I noticed on two credit reporting bureaus XXXX and XXXX, that Hyundai was still reporting a balance due of {$2500.00}. I contacted XXXX and XXXX and submitted disputes to them. I also contacted Hyundai Motor Finance and informed them to remove the account or note the loan paid in full. 
I received results from XXXX on XXXX. XXXX, XXXX on the dispute where Hyundai Motor Finance reported that the {$1800.00} was paid and there is still a balance due of {$620.00}. 

This is false. They agreed to a settlement. I would not have provided my ACH details otherwise.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In review of my Experian Credit file I noticed that the credit reporting agency is allowing the same account to be reported as two different account types and other inaccurate information.

The account XXXX is first reported as a closed-charged/off account with a " date-opened '' date of XX/XX/XXXX and now it's showing as an opened account effective XX/XX/XXXX. The account type is reporting as a " debt buyer '' when this is the original creditor. The amount is different but it's one in the same account. 

Is the open account a " Collection? '' How can the account type change from " Credit Card '' to " Debt-Buyer? '' The account XXXX XXXX XXXX has a " Account Type '' as Collection. This has been disputed that this was a " Paid '' account only and not a collection. This is continuing to be reported inaccurately.

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 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: OR

Complaint narrative:
American Credit Acceptance held my car loan from XX/XX/XXXX until XX/XX/XXXX. I was never late. Not once. It took over 3 weeks to get the company to send payoff information to me and my new lender, XXXX XXXX XXXX XXXX. The branch manager of XXXX requested it over 3 times. I contacted them over 4 times to request the payoff be sent, via fax to my bank. They assured me they tool 24-48 hours to do so. I was charged {$13.00} a day for everyday they didn't perform their duties. Then when they sent the payoff, it had accrued fees, etc. They also sent the payoff and loan payment history to my new lender at XXXX via fax that was unlegible. 

After finally getting on the phone with them again, my bank sent the payment in full on XX/XX/XXXX and they cashed it on XX/XX/XXXX. When I called them after XX/XX/XXXX they said they had not gotten it. I was at XXXX during this call. 
On XX/XX/XXXX, they still had the loan open and a 30 day late on my credit report which made it impossible for me to secure a line of credit from my current lender. I called them immediately and requested that they pull the late back. They said they would send to the credit dept. 

Now, it has been one month and the cycle for the credit reporting agencies to update snows the late. 

The conversation with ACA is ongoing, but to date they refuse to send me my payment history, or proof that they pulled the late payment from the agencies. This had drug my score down, and effected my business loan, line of credit and all other financial services

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I'm having this trouble since couple of years ago! Every time I see my credit report there's always an issue or i see many inquires that aren't mine.

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 2023-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian report Number # XXXX XX/XX/2023. My XXXX late payment was remove because I mail in proof and uploaded proof it was never late.

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 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All of these months are late payments declared by Suncoast Credit Union. 
On XX/XX/XXXX I spoke with the credit dept about the issue. They said it's my fault I asked them to prove it they couldn't. Going forward I asked them to setup automatic payments, they said they did and they didn't. This is the 4th time I processed payments and it didn't go through. I have no messages saying payment due or passed due. They are not making the automatic payment as I said that was the problem. Last case created I was called and never updated with status over 1 month and a half and now another missed payment they didn't automatically process as the agreement says it supposed to do.

Company response to consumer: Closed with explanation