vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: AR

Complaint narrative:
XX/XX/2019 I made a consumer credit transaction with auto dealership XXXX XXXX I received a finance charge of {$74000.00} and amount finance {$9600.00} I was Financed through company by the name Exeter finance. According to the Truth in Lending pursuant to 15 USC 1605 determination of the finance charged Except as otherwise provided in this section the amount of the finance charge in connection with any consumer credit transaction SHALL be determined the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXXExeter Finance made me pay {$1000.00} for a downpayment. The Finance Charge is the sum of all charges their wasn't supposed to be a cash downpayment. The finance charge also includes my insurance pursuant to 15 USC 1605 The finance charge is the sum of all charges and also includes premium ( insurance ) XXXX XXXXExeter Finance made me get my own insurance. Pursuant 15 USC 1635 The Right of Recession disclosure was not disclosed nor in the agreement. Pursuant 15 USC 1601 Congressional and declaration of purpose. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX /Exeter Finance are in violation of the Truth and Lending Act by willfully and knowingly not disclosing this information and i hold them liable for not disclosing this information to pursuant to 15 USC 1611 and pursuant to 15 USC ! 640 I have exhibits showing their noncompliance in the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: MI

Complaint narrative:
Hi I am reaching out to get this issue resolved because i cant get it resolved with Transunion, XXXX, and Equifax.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all three credit bureaus in XXXX with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.

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 2023-07-08 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: MI

Complaint narrative:
Hi I am reaching out to get this issue resolved because i cant get it resolved with XXXX, XXXX, and Equifax.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all XXXX credit bureaus in XXXX! with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX is ( 1 ) removing money from our Citizens Bank account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our Citizens Bank account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
cease and desist. you are spreading false information on me and i have suffered real damages and harassment based on your fraudulent reporting. i don't want any XXXX credit and i don't want anything to do with your company or your XXXX processes. stop spying on me and tracking me full stop. im done. leave me the XXXX alone. delete me from your system.

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 2023-07-08 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: TX

Complaint narrative:
There is a medical account listed on my credit report that do not belong to me, however, no medical debt should be on anyone 's credit report due to PII information which is a federal violation. Please remove that collection in it's entirety as this is hindering me from obtaining property via credit. Lastly, there are a few inquiries that I did not authorize ( XXXX XXXX, and XXXX ). Please remove them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This has been going on since XX/XX/2022, 3 cards were opened with my information when I opened a XXXXXXXX XXXX XXXXXXXX account, my information was stolen, 2 of the cards did their research, XXXX and XXXX credit and they showed stuff sent to my address as well, but packages get stolen in our community every day, it's always happening. Comenidy Bank is the only one who refuses to delete this fraudulant account from my credit, I called them and reported the fraud as soon as I found out it was another account that I didn't open, I have spoken to numerous people in their fraud department over the past year and I am sick of fighting with them, again this is NOT my account, I did not purchase anything on this card. They continue to add interest to the account which is on my credit report, I have enough credit cards, if I wanted something I'd purchase on those, I want this fraud dropped from my account!! I have worked hard with the cards I have to raise my credit score and this account that is fraud needs to be deleted, Ive spoke to XXXX in the fraud unit, he did nothing, I spoke with a XXXX he said he got it fixed, I spoke to XXXX who said they had just had a system update or change and it was a glitch and boxes weren't checked and things weren't done correctly to my fraud account, then after he said it was fixed and noted, I also spoke to XXXX a few times she tried to get me thru to fraud dept, because they never answer, we had no luck either so I spoke to a supervisor XXXX I think her name was and she told me not to worry it was taken care of, but it still hasn't, The company is not listening to what I've been reporting to them for over a year, I NEVER USED OR APPLIED FOR YOUR XXXX CARD I HAVE PLENTY OF MY OWN DELETE FROM MY ACCOUNT ITS FRAUDULENT I am sick of fighting with this company I never received ANYTHING from this place nor did I ever apply for this card I have plenty of my own I don't need anymore and this was reported by me because I found it after we found the XXXX one with someone with my name address and email on XXXX my son had sent me money and it went to that lady, she had all my information and thats when I looked up my credit report to find the XXXX credit and this XXXX bank card was applied for and I called that date to report it, and here I am a year later ONLY fighting with YOUR BANK, ridiculous I NEVER APPLIED FOR THIS ITS FRAUD DELETE FROM MY CREDIT REPORT AND LEAVE ME ALONE!!! ITS FRAUD I NEVER OPENED ANYTHING WITH THIS BANK,!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Received a spam email from a collection company by the name RPM in XXXX WA. I mailed a certified XXXX debt verification letter XX/XX/23 and as of today no reply. On XX/XX/23 I received another spam email for a collection of the same amount from a different collection company, it appears they can not verify debt and just sending from collection company to another. As of XX/XX/23 another debt verification letter was mailed USPS Certified to Waypoint Group asking for verification. I will be notifying the FTC and Texas State Attorney Generals office of these tactics.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
It all started on XX/XX/2022. My balance was {$1300.00}. Thus, I made that payment for the same amount. I had a balance transfer that month of {$870.00}. But, I had purchased {$680.00}. I called that month to figure out why I was charged interest on my XXXX statement and it was because I was reminded that I needed to also pay my purchases for the month. I then understood my promotional balance transfer offer to be : my payment would take the first minimum payment and apply it towards my balance transfer, then, the next payment application would go to my previous months purchases. Only then, would my payment apply back to my balance transfer. In XXXX, I reluctantly was only able to pay {$690.00} on my {$860.00} purchases, after removing my {$40.00} minimum payment. I didn't understand why I was charged so much interest. I called and was reminded that I did not completely pay off my XXXX purchases. Thus my 'interest balance by type was {$880.00}. I decided that I would not do another balance transfer until I paid off my purchases thus effectively utilizing the purpose of my balance transfer. Here is where my complaint comes into the scenario : I paid $ {$250.00} on a 'Balance by type : purchases ' of {$170.00}. With my mimimum payment of {$46.00} removed to be applied to my new balance transfer of {$1600.00}. I do not understand why I was charged {$2.00} interest. In XXXX, I paid {$1000.00} thus charged {$1.00} in interest due to that being the minimum interest charge. In XXXX I paid {$310.00} on {$270.00} with a minimum payment of {$43.00}. Doing the math, how am I charged {$2.00} interest when I paid very close to the calculation method. In XXXX, I paid {$550.00} on {$110.00} of purchases and was charged {$0.00} in interest. I thought the minimum interest charge was {$1.00}? Why was I even charged interest at all? I will never do balance transfers again. And thankfully I have put this all behind me financially. I did talk to a representative in XXXX and XXXX but only the XXXX rep was willing to reverse my interest charge.

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 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
IMJ A VICTIM OF IDENTITY THEFT!!!

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 2023-07-08 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: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/XXXX, someone attempted to open a XXXX credit card using my name, address, phone number, email and SSN. I did not attempt to open this card and I was contacted by phone by the XXXX fraud department so luckily the application was denied. On the same date, someone successfully opened a Chime Debit Card and a XXXX XXXX XXXX. I successfully canceled and reported the XXXX and Chime card, but was not aware of the XXXX card until I received the card in the mail on XX/XX/XXXX. I have contacted all three credit bureaus but when attempting to obtain my credit report, I received a letter stating that they are not able to provide me a copy because I need to confirm my address. I sent the requested documentation on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize 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 non-monetary relief
Consumer complaint received 2023-07-08 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: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told XXXX, Transunion, and XXXX to reinvestigate these accountsXXXX XXXX XXXX # XXXX, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal is ( 1 ) removing money from our XXXXXXXX XXXX  account without our knowledge or permission and ( 2 ) not allowing us to remove or decouple our XXXXXXXX XXXX account or ATM/credit card from their system. This is like a burglar not allowing you to close your own window.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 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: AZ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2023-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I called the company ( Capital One ) on XX/XX/23 in effort to reconcile my past due account. The representative I spoke to offered a fee-depression plan ( that will stop the account from incurring anymore fees. I welcomed the idea and asked to be enrolled in that after explaining that Ive been going thru a hardship after I lost my job, and I also asked to speak the supervisor to work out the monthly payment amount. The representative was eager to transfer me and When I finally got to speak to the supervisor, she told me that I cant have the offer anymore because I declined it. The representative that I spoke to or her supervisor must have declined the offer that was given to me on the account against my will so I can pay more than I should. It is just another way of collecting more money from people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Both XXXX XXXX XXXX and XXXX is showing late payments on my credit report. I had paid off my XXXX account in exchange to remove the late payments and they are still there. Additionally, I contacted XXXX and they promised to remove the late payments as well because I am paying on time. Please correct the late payments on both of these accounts. Lastly, There is an inquiry that needs to removed as I did not authorize 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 2023-07-08 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had three unauthorized charges to my PayPal credit account. I only received emails from the company about XXXX, which I disputed immediately for XXXX on XX/XX/XXXX XXXX XXXX and XXXX on XX/XX/XXXX iao XXXX. When attempting to contact the company about the status of the dispute I saw a third charge that was done previously for XXXX on XX/XX/XXXX iao XXXX. I disputed that one as well. The company denied my claim of unauthorized and I have not received any supporting documentation for their claim that it was unauthorized. I have not performed any transactions with XXXX or XXXX. The only thing PayPal has done to resolve my issue is to ask me to change my password three times. Furthermore the compromise was a little over a month after I signed up for the credit card. Which is sketchy at best.

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