vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$500.00} on my XXXX XXXX XXXX XXXX XXXX car to Regional Acceptance Corporation through their automatic system. I did not get a confirmation of the payment. So I made another payment of {$500.00} on XXXX XXXX, XXXX. Upon noticing the double payment, I called Regional Acceptance Corporation to inform them that I inadvertently made another payment, and I would like a refund. I spoke with a Customer Service Representative who informed me that it was the Eve of a holiday and there wasn't any Managers in the office. She stated that she would put in the request to her Manager for when he come in on Monday. And for me to call back on Monday. I called back on Monday and was informed that the Manager had approved the reimbursement, and that it would take between 7 to 10 days to hit my account. 

On Monday, XX/XX/XXXX, I called again and was told that they see that the Manager had approved the refund, but when I checked my bank account, I did not see that the money had been returned. I called on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and was told nothing more than what was told to me the day before " to call back tomorrow ''. In between these calls, I called my bank to check, and they said they didn't see anything pending. And that this in only the 8th day ; give it two more days. I did that. I gave them two more day and still no refund. I called Regional Acceptance again on XX/XX/XXXX, but was told by another Customer Service Representative that he see that the authorization for reimbursement had been completed on XX/XX/XXXX and that there wasn't anything else he could do. 

I was stunned due to his lack of concern. I stated to them that if it had been me, they would not hesitate to come repossess my car and I don't think this is fair.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: MA

Complaint narrative:
Hello ACIMA CREDIT FKA SIMPLE ; How are you and happy new year to you and the family! I need your help here! 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear Sir, I was looking at my Bank of America Mastercard online in XXXX and I was charged 4 times for " XXXX XXXX XXXX '' and 4 foreign transaction fees on XX/XX/XXXX. The Bank didn't find these fraud charges, I had to find them myself and call the Bank! I did not make these purchases and it's over {$1000.00} on a single day. I have never been to XXXX and I don't even have a passport. I am a XXXXyear old retired woman in California. I called Bank of America to report the fraud and I talked to someone named XXXX. They closed my account but today they said they are rejecting my fraud claim and they are going to re-charge me for these " XXXX XXXX '' fees because they said I was there or I authorized someone to use my card with a chip. That is impossible. I have never let anyone use my card and it was not me making these purchases! I don't even know what XXXX XXXX is. I refuse to be abused by this bank who thinks they can take advantage of me to make money for something done in another country. If this is not fixed I will complain to my congresspeople as well and I will be writing a letter to my paper and the XXXX. 

Please fix this. Thank you. 
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 monetary relief
Consumer complaint received 2022-01-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not give let me access my consumer report or credit file

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 2022-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint as XXXX and Transunion have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX 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 2022-01-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo routinely fails to award bonus cash back for purchases made through its " Wells Fargo XXXX '' program. For example, I responded ( by " activating '' offer on XXXX web site ) to an offer to receive 10 % back on a purchase at XXXX XXXX. ON XX/XX/XXXX I made a {$45.00} purchase at XXXX XXXX with my XXXX credit card number ending in XXXX. I should have received {$4.00} cash reward. I received nothing. I used the XXXX card rather than a XXXX  card I could have received 5 % cash back, because of this offer. 

This is not the firat time that Wells Fargo has done this.

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 2022-01-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


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 ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed a complaint with Bank of America on XX/XX/2022, bank of America through it's agents closed my claim. They did not refunds that were taken out of my account and gave no explanation as to how it happened or where it happened. Bank of America has caused me to lose confidence it the Banking system and as of this moment I will not be doing business with Bank of America and I will not be extending my credit. I demand from Bank of America to furnish verification of these unauthorized transactions in accordance with Federal Law and Consumer Rights as I am the Original Creditor of the Banking System per XXXX XXXX. I demand a true investigation and the refund of all my credits to all my accounts at Bank of America as those are MY Assets 12 CFR section 205.2 ( b ) ( 1 ). My accounts are for Deposit Only.

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 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Collection account from SUNRISE CREDIT SERVICES for a XXXX company XXXX in NJ. I have never lived in NJ. I have called sunrise and the XXXX  company multiple times and they have not been able to fix 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 2022-01-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a bunch of inquiries on my credit report that I dont recognize. This is causing me from getting credit. I need this deleted immediately.The inquiries I need to be taken off my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XX/XX/XXXX In total its XXXX inquiries that I need removed 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 explanation
Consumer complaint received 2022-01-20 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: FL

Complaint narrative:
I had an account from XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX IN XXXX of XXXX. I paid off this account for deletion off my credit report and was promised i would recieve a letter stating the account was paid and to be removed from my report however, today is XX/XX/XXXX and the accounts have remained on my 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 2022-01-21 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: MA

Complaint narrative:
On XX/XX/2021 sent a dispute to Transunion about the following accounts ; XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account XXXX : XXXX, XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXX  Account Number : XXXX. It has been over 45 days since I sent this re-investigation dispute and Transunion have not answer as they are required by the FCRA.

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 2022-01-21 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and XXXX. I [ 've never had an account nor never benefited from any account with Navy Federal. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I traveled to XXXX  on XX/XX/XXXX, stopped at a gas station for gas, and used my Bank of America credit card. On the way home I stopped to buy food, while I was going to pay I noticed that my Bank of America credit card was not with me. I called the credit card immediately to report it missing. They asked me if I recognized a charge of {$980.00} dollars that was recent on my card and I explained that I only use my card to buy gasoline. They said they would open a fraud claim and perform an investigation. I didnt heard from Bank Of American for over a month and I went to my account on XX/XX/XXXX and saw the {$980.00} charges again on my account with a message saying " case # XXXX closed ''. I called fraud customer service again and I was told that they they wouldn't accept my claim because I've shopped at that store many times before, I used my pin, I signed while paying, and I authorized someone to use my credit card. I explained to them that I didn't even know what store was because I was not informed of the store name and what merchandise they bought with my card, because Bank of America never notified me about it and that I only used my card to put gas in my car and I went home, which is 3 hours from XXXX XXXX. I requested the lady a proofs of all the accusations she was doing to me. She told me that they were going to reopen the case. They ignored my claim again and left the charges on my account. Approximately the second week of XXXX I called again and they told me that they closed the case again and that they were going to reopen it to investigate again. On XX/XX/XXXX I got the first letter from Bank of America with my claim denied, and saying they already reported me to XXXX, XXXX, XXXX, XXXX and giving me the same excuses they gave me over the phone. They never sent me the proofs I requested of the accusations that they made me that I had previously bought in that store, they never explained to me what store it was so I could discuss with the person about that fraudulent charge and they never told me what they bought with me card. It is not fair that I have to pay for being a victim of fraud as it happens to millions of people in this country.

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 2022-01-20 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: TN

Complaint narrative:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow XXXX or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.

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 2022-01-20 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Im not able to access my Credit file or consumer report and I believe, I have been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
This is a follow-up to the CFPB Claim Number I previously submitted, and I've attached the correspondence I had with BMW via CFPB REFERENCE XXXX XXXX / XXXX The XXXX XXXX XXXX XXXX XXXX I had already contacted your company as a natural person, consumer, and creditor, and my bank institution ( XXXXXXXX XXXX ) had also written you a letter stating that the payment had been completed on time, but you had refused to erase the incorrect late payment. To demonstrate the financial transactions that were performed, I have included the letter and my bank statements for the months of XXXX and XX/XX/XXXX. 
" XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX  PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' '', '' ACH Transaction - BMWFINANCIAL SVS XXXX PYMT XXXX '', '' XXXX '', '' '' " XX/XX/XXXX '', '' After repeated arguments with BMW Financial Services, BMW Financial Services continues to report inaccurate late payments. This is a mistake in timing.

Company response to consumer: Closed with explanation