vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Hello, Im writing to complain about onerous hurdles and false information given by Bank of America in relation to paying my bill for my Bank of America credit card. 

I have been a Bank of America customer for nearly 20 years and until XXXX I had both a checking account and a credit card with them. In XXXX however I closed my checking account and moved it to another institution. Since then, managing my Bank of America credit card has been significantly more difficult as Bank of America will not enable me to make payments online, including automated recurring payments, but rather forces me to call each month and pay over the phone. Ive managed this hassle of a process for a few years now but this spring, in XX/XX/XXXX, I forgot to call and missed a payment. Next thing I know, I get an alert from another institution that my credit score has changed. When I looked into it, I saw that my score had gone down significantly and I later confirmed that it was because of the missed payment with Bank of America. 

I called Bank of America and resolved the outstanding payment on XX/XX/XXXX, and also expressed my frustration that paying my bill was not possible online. The customer service team told me that I can pay online, however nearly a month later as of today ( XX/XX/XXXX ) I am still unable to pay my bill online. And since the customer service center is closed today, I have no way to pay my bill today whatsoever. 

I am writing to complaint about the onerous hurdles Bank of America has placed on my account, seemingly as punishment for not keeping a separate account open with them. Further, their team has given me false information about my ability to pay online. Because of these onerous treatments and false information, I have had a material negative impact to my personal finances and Bank of America has done nothing yet to rectify the situation.

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 2022-05-30 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: FL

Complaint narrative:
XXXX XXXX XXXX reported late payment on XX/XX/2019 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 2022-05-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERIS BANCORP
State: NY

Complaint narrative:
( 1 ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX executed an insurance premium finance agreement with XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX. 
( 2 XXXX XXXX XXXX XXXX XXXX finances {$410000.00} of {$480000.00} in insurance premiums with XXXX XXXX XXXX. 
( 3 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its first partial down payment of {$42000.00} to XXXX XXXX XXXX XXXX. 
( 4 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its second and final partial down payment of {$26000.00} to XXXX XXXX XXXX XXXX. 
( 5 ) XXXX XXXX XXXX XXXX made three monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of {$45000.00} which included a late charge of {$2100.00} for each payment made, totaling {$130000.00}. 
( 6 ) On XX/XX/XXXX, both General Liability and Excess Liability policies were canceled. Two Cancellation Endorsements were issued. The General Liability policy was to return unearned premiums based upon a completed audit. The Excess Liability policy returned {$82000.00} in unearned premiums to XXXX XXXX XXXX. 
( 7 ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Assistant Vice President of Collections, received confirmation by the General Liability carrier that the audit was completed. 
( 8 ) On XX/XX/XXXX, a Summons and Complaint was filed in XXXX XXXX Supreme Court against XXXX XXXX XXXX XXXX in the amount of {$230000.00} as balance owed and due to XXXX XXXX XXXX. 
( 9 ) On XX/XX/XXXX, XXXX XXXX, Owner, and President of XXXX XXXX XXXX XXXX requested a detailed breakdown of the amount XXXX XXXX XXXX claimed XXXX XXXX XXXX XXXX owed. XXXX XXXX XXXX ignored the request. 
( 10 ) On XX/XX/XXXX, the General Liability carrier issued a Cancellation Audit Endorsement with a return unearned premium of {$200000.00}. 
( 11 ) On XX/XX/XXXX, XXXX XXXX XXXX  informed me that XXXX XXXX XXXX will not be waiving any accrued interest or fees and will continue to litigation for the balance of $ XXXX on unearned premiums, in addition to legal fees. 
( email attached ) ( 12 ) XXXX XXXX XXXX is in violation of Section 3428 of New York 's Insurance Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: LA

Complaint narrative:
sent letters out on XX/XX/2022 and XX/XX/2022 to the bureaus, XXXX, experian, and XXXX it been over 60 day and no replay. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


1. Validate Account XXXX XXXX PROP XXXX CO Account Number : Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX COMPANY Account Number : Please remove it from my credit report. 

3. Validate Account XXXX XXXX XXXX  Account Number : Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

5. Validate Account XXXXXXXX XXXX XXXX Account Number : Please remove it from my credit report. 

6. Validate Account XXXX Account Number : Please remove it 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 2022-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: NJ

Complaint narrative:
I believe that my identity was stolen. Someone filed an unemployment claim in my name. And despite a fraud alert on all three credit reporting agencies, someone was able to open a credit card in my name with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL

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 2022-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I would like to follow up on the wire transfer which was initiated on XXXX, as of now I have not received the fund. Several email has been sent to follow up but unsuccessful to track the transaction. 

Bank Name : CHASE BANK XXXX : XXXX Transaction ID : XXXX Transaction Date : XXXX Amount : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: IL

Complaint narrative:
THESE INQUIRES ARE NOT MINES, THEY ARE UNAUTHORIZED & SHOULD BE VALIDATED ASAP. I AM ASKING THAT YOU REMOVE FROM MY TRANSUNION REPORT IMMEDATILY THANK YOU

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 2022-05-30 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I cant access my equifax report. Contact them but nothing resolved. I think someone has been using my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give 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 removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-30 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: NY

Complaint narrative:
I have no recollection having an account with XXXX XXXX. Experience credit report shows credit was open on XX/XX/XXXX. Records show said account was in " good standing on XXXX " then in XX/XX/XXXX same account shows a balance of {$2000.00} on a {$2000.00} credit limit. I didn't have this account when I filed for bankruptcy in XX/XX/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 2022-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: NJ

Complaint narrative:
opened multiple credit cards from local banks was approved two cards were used for store purchases and phone payments all issued through elan financial.opened these accounts for sign up bonus XXXX closed all my cards accusing me of fraud and lying on credit card applications they failed to mention i paid bill in full with my XXXX  checking account very humiliating to have card declined at supermarket.they have no problem mailing bill to my home yet want me to supply them with ss card license mortgage documents and bank statements .claim they required by law to do this i must be dangerous they should call US secret service..i would like my accounts opened and my bonuses.

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 2022-05-30 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: FL

Complaint narrative:
Complaint # XXXX - I sent in a complaint and was informed that it they thought that it wasn't me but I am XXXX XXXX I am still having the same problem before with this bureau and need this situation handed! I've sent in several letters to get this handle in a timely manner. My student loan account was in forbearance and should have not been reporting LATE EVER!!!!! 


Also there're a few inaccuracies on my profile that they have yet to response and remove accounts due to inaccuracies on my report and according to ( FCRA ) 15 U.S.C. {$1600.00} all accounts suppose to be 100 % accurate. which these accounts are not! FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of disputeIf the completeness or accuracy of any information furnished by XXXX XXXX reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer. Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed. 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed. Under FDCPA15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right.. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed. The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
Hello, My lease on my XXXXXXXX XXXX XXXX is up in a month so I called Ford Credit ( XXXX, MI ) and they told me that I must buy out my lease at a XXXX dealer. I can not do it through them as per their internal policy. When I went to my local dealer, XXXX XXXX XXXX XXXX on XX/XX/XXXX, they told me I had to pay a few " dealer '' fees. This included a {$3000.00} buyout fee ( but was discounted to {$2000.00} if I financed with them - even though I told them I had cash ) and a dealer fee to compensate for current market conditions. I walked away as all these fees made me uneasy. I called Ford Credit the same day and we looked at my lease agreement together and they confirmed that dealers should not be charging any additional fees. It clearly states that I should only pay the residual value plus " official fees and taxes, and a reasonable documentary fee is allowed by law ''. Doc fees in NJ are capped at {$390.00}, but this dealer wanted {$690.00}. They also wanted to charge me {$400.00} for registering my car, when it should only cost around {$150.00}. Ford Credit told me to shop around, but I really shouldn't have to. If Ford XXXX is forcing customers to go to dealers to buy out their leases, why are we running around to find a dealer willing to honor a contract? We're being held XXXX by this entire situation and I'm convinced many consumers felt obligated to pay these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We were advised by the TD Bank Credit Card representative on XX/XX/2022 that our credit card dispute would take a few hours to a few days to obtain our provisional credit back into our account for case no XXXX. We also provided a ton of documentary evidence to their fax number of ( XXXX ) XXXX demonstrating without a doubt that we were victimized by XXXX XXXX for Reason Codes 30 and 53, ie, " services not provided or merchandise not received, '' and/or " not as described or defective merchandise. '' To date we still have not received our provisional credit. Today when I called in to TD Bank Credit Card I spoke to 3 different morons none of whom could explain why this woman told us that, and then said I needed to wait 90 days ( 3 months ) which is totally unacceptable and unforgivable, especially when we provided documentary evidence also attached herein. Please urgently investigate and advise.

Company response to consumer: Closed with explanation