vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : [ Mo/yr ]. *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America used funds from my checking account to offset a charged off business credit card. 

The first instance happened in XX/XX/XXXX, where they deducted about {$590.00} from my account and sent me a letter explaining what they had done. However, that transaction is not showing on my account statement. I was on the phone with the bank for over an hour and they claimed to not find the transaction. They should have a copy of the letter they sent to me. 

The second time was on XX/XX/XXXX for the sum of {$96.00} The third time was XX/XX/XXXX for the sum of XXXX This last sums that was deducted on XX/XX/XXXX was from my school refund which Im ordered to pay back for this school year. I have not had any income since XX/XX/XXXX and have been struggling to make ends meet. This is a big financial for me and I would like it fixed.

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 2024-04-19 00:00:00
Product: Credit reporting 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX due date and total bill of {$8900.00} which included interest charge of {$150.00}. Payment {$8900.00} received and confirmed in full XX/XX/XXXX. 
However, an additional interest fee of {$130.00} is requested by XX/XX/XXXX despite confirmation via calling before XX/XX/XXXX pymt assuring account would be XXXX balance after {$8900.00} received in full before payment due date. 
XXXX XXXX stated today XX/XX/XXXX @ XXXX, that I was told incorrect information at that time, additional interest accrued XX/XX/XXXX despite account balance XXXX via automation at that time. 
Customer service attempted to remove additional {$130.00} fee stating I should not have been charged this however could not override in system. 
I stated with Supervisor I complied with all per my statement in addition to confirmation of Chase representative prior to mailing payment overnight at the local postal service to assure this payment arrived as promised.

My efforts proved void although as a valued customer I did exactly as Chase Freedom stated.

Pray fully this service will be more successful in helping me resolve this issue before XX/XX/XXXX which is the date this {$130.00} additional payment is expected. 
Thank you all for all you do everyday and for everyone. 
XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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:
FCRA 605B requires us to delete any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : [ Mo/yr ]. *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX XXXX XXXX *Refer to Late Payments Guide* Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
I asked for a 60 day deferment in order to finish a course that would lead to full time employment. Before the end of the 60 day term I began being contacted incessantly by Regional XXXX, although the phone numbers were from an entirely different state than where they are based. Which I found odd and misleading. The company than hired some wired third party to come and talk me on my property and take pictures of my vehicle and then give me a letter which was complete nonsense. After this they called my father in law and knowingly disclosed my financial information to him. Even though he is not on the account and is not associated with me. I believe this constitutes harassment and violates the FDCPA.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
As of XX/XX/XXXX, my credit card account balance was {$140.00}. For background, I have another credit card with Bank of America that processes each and every month. However, this credit card was not connected to a payment plan, and Bank of America did not do an adequate job of letting me know ( I am finding out about the issue because they sold the debt off and the new owner of the debt was sufficient in contacting me. ) The {$140.00} in charges in XX/XX/XXXX have grown - without any purchases made - to {$420.00} as of XX/XX/XXXX. That is an effective interest rate of 193 % in less than a year, over less than 10 months. That seems outrageous- and because Bank of America has sold the debt, I am not sure what they will do about the fact that they double ( nearly triple! ) the amount owed by an account, rather than communicating with the customer. Again, their new debt collection agency reached out effectively- which shows that it seems like it is Bank of America 's business model to not collect payments but rather cultivate fees and more fees, over {$200.00} in junk fees and interest on {$140.00} originally owed.

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 2024-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: VA

Complaint narrative:
I was very shocked when I recently checked my credit score and found an inaccurate collection balance through " CONSUMER COLLECTION MN '' ( Original creditor : XXXX XXXX XXXX  ) for {$6200.00}, when I left the apartment complex on XX/XX/year> with a confirmed XXXX balance. This is negatively affecting my credit score and doing damage to me. 

To make sure to cover ourselves after leaving this XXXX XXXX, the other person and I on the joint account saved a copy of the final account statement ( on XX/XX/year> ) and written confirmation ( on XX/XX/year> ) from their payment account management system ( XXXX ), which was for all account balances ( rent & utilities, etc. ) that we were fully paid after moving from this XXXX XXXX. 

We received confirmation that we had a XXXX balance, but a few months later, we were falsely sent an outrageous and inaccurate bill for {$6200.00}, while they continued to falsely bill us for months after we had left and turned the keys over to their staff. 

The XXXX XXXX and then the collection agency sent bills to us for a few months in XXXX, but they stopped when the joint account holder contested the inaccurate balance and had it removed from his credit history. So, I assumed that the inaccurate balance had been removed from my credit history as well, but they never removed it from mine. 

Even though I have contested this through the 3 credit agencies and contacted the collection agency, they are denying my request to have this inaccurate balance removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
Regions Bank someone from the bank and I know for the fact that is true because it's been happening to other people that I know has been stealing funds for my social security check every other month or every two months sometimes less than that I have gotten money back but then they want to complain because the money was taken well it's my money and I have proof that it wasn't more money that was taken and never paid and I want it it's my social security check

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 2024-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any inaccurate accounts from my credit report in accordance with FCRA 605B. Could you please review the documents? I've observed discrepancies in several listed accounts, which is troubling to me.

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 2024-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Ive have called the following credit card companys XXXX, XXXX and indigo several times in regards to my XXXX balance letter for my mortage lender and informed them without this document I will be homeless. I was told they would fax and I have to recieve a fax. I was also told from XXXX that I would it via email and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Please reference previous complaint : XXXX complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2024 PRODUCT Money transfer, virtual currency, or money service ISSUE Money was not available when promised PAYPAL has increased my withdrawal limits, but they are now prohibiting we from withdrawing by forcing me to again " verify identity '' and providing no means to do so. They are forcing me to enter a text message code that never arrives, and they provide no other method to " verify identity ' even when I call them on the phone number they are supposedly sending a text message to. Customer service suggested I : " try again in 4-5 days. '' THIS IS UNACCEPTABLE AND I REQUIRE IMMEDIATE ACCESS TO MY PROPERTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX XXXX showing late payments which were made on times balance was no showing accurate to the account. 

Company stated the found the error unable to correct my reports. Request me to submit disput

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX XXXX showing late payments which were made on times balance was no showing accurate to the account. 

Company stated the found the error unable to correct my reports. Request me to submit disput

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 2024-04-19 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
Subject : Complaint Regarding Unauthorized Transactions on Chase Card with XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase and XXXX XXXX for unauthorized transactions that have occurred on my Chase card in late XXXX XXXX XXXX XXXX. I discovered several XXXX XXXX XXXX in transactions for merchandise that I neither expected nor received, all related to transactions on 3 of my credit cards including my Chase card. 

Despite my efforts to seek help and information from the merchant, I have been met with no success. Chase has unfortunately deemed these transactions as valid, a decision with which I strongly disagree. I am requesting all tracking information and any other relevant details provided by XXXX XXXX to Chase regarding these transactions. 

Furthermore, it is important to note that despite tracking numbers indicating that items have been delivered and received, this is not the case. I have not received any of the merchandise purportedly associated with these transactions. 

In addition, I have provided evidence showing that both my XXXX XXXX and Chase account were compromised, further substantiating my claim of unauthorized transactions. I have also sent emails to the merchant, who has been unresponsive and unhelpful in addressing my concerns. 

In light of these unauthorized charges and the lack of cooperation from the merchant, I have taken the step to file a preliminary police report. Furthermore, I intend to provide additional information to my local and state authorities regarding XXXX XXXX, as I suspect that my personal information may have been shared by third-party sellers on the XXXX platform. I firmly believe that I have been a victim of fraud and have received no benefit or service from this merchant. 

For context, XXXX XXXX is a platform that hosts various third-party sellers in an auction format. I am seeking the initiation of a formal investigation against XXXX XXXX to facilitate the recovery of the funds that were charged to my Chase card. 

To provide specific instances, one of my Chase cards resolved an {$840.00} charge related to XXXX XXXX, while my XXXX XXXX XXXX card resolved approximately {$6000.00} in charges linked to XXXX XXXX. I am particularly concerned about my other Chase card, which incurred charges totaling around {$18000.00} related to XXXX XXXX. 

I urge the Consumer Financial Protection Bureau to intervene in this matter and assist me in resolving this issue promptly. Your support in recovering the funds and holding XXXX XXXX accountable for their actions would be greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I Deposited a sum of XXXX via ATM. 

I also notified the bank prior to deposit to see if it would be accepted. 

As I got confirmation that it would, I went to the bank I deposited the full amount and notified them that I only received {$600.00} in credit. The denied my claim and ask me to submit a deposit stub from the bank and I did that exact thing they opened a new claim on XXXX XXXX it's not XX/XX/XXXX I received no provisional credit. After 10 Business days this is despicable that funds I deposited were not only 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 monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Exsprian credit reporting company l have had on going disputes has not yet been resolved. against a companies name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company had huge settlement in pass against this Company in tName changed this. Company XXXX XXXX XXXX XXXX XXXX ) well known things such as overpayment. Inaccurate payments reporting .which l have provided enough evidence. that changes on my account should been made .l have payed on time to XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX my credit score were decreased due to this inaccurate reporting Experian requested month of XX/XX/year> Experian. Credit report .provide evidence that payments history were made. Full. Which l Provided print out months l made these payments payed in full. Insteadcharges made on my account months questions XXXX XXXX XXXX XXXX .l received nothing but ongoing disputes. My attorney XXXX XXXX firm requested aswell. XX/XX/year>. I received another result letter which again .stated incorrect information reported by XXXX XXXX XXXX XXXX XXXX Instead of Experian making nessary changes that was question the months missing off the report again XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that not accurate finding this inaccurate information .Which has caused negative change in the credit scores I been paying working on for my scores to increased .. not show range same every month. Which has been question about Experian. Credit reporting regarding my scores arrange same every month after hire credit specialist

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