vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 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: Self Financial Inc.
State: MA

Complaint narrative:
Self Lender reported my credit card payment as XXXX days late in XX/XX/2021. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604a Section 2, it all states that a reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B it states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name 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 an 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name XXXXXXXX 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 an 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 explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
Purpose of the complaint : This complaint is filed against Oportun for illegally sending me threatening letters to extract additional funds that I do not owe them. I contacted the company about my denial in writing and they persist with this action. Being a XXXX XXXX XXXX XXXX of XXXX descent on social security fixed income, I believe that this company is targeting me with price gauging and elderly victimization. The price gauging is in reference to their adding charges to the loan for the approved XXXX month payment deferral for COVID-19 they extended to me. The elderly victimization is in reference to Oportun never having any automatic monthly debits of {$260.00} returned unpaid for insufficient funds, over the 33 month term of the loan, in spite of my limited income. Added to this, the company urged customers to pay off their loan early without penalty. I paid off the loan earlier than the term date. 
Details of the complaint : In XXXX, my family had a financial crisis, and because Oportun had been sending me loan solicitations for about XXXX years, I decided to apply to them for {$2500.00}. I was surprised when they approved me for {$6000.00} with a {$21.00} fee added for Florida document tax. The total loan amount was {$6000.00} for a 33 month term from XXXX XX/XX/XXXX. I signed a promissory note electronically to complete the contract for repayment of {$8600.00} at a 27.13 % rate. The monthly automatic payment due on the XXXX of each of month was XXXX @ {$260.00} and 1 XXXX. The first payment was submitted on XX/XX/XXXX and paid by my bank on XX/XX/XXXX. This was done exactly each month until XX/XX/XXXX. I responded to Oportuns offer to defer payment for XXXX month due to COVID-19 assistance. This was reflected in extension of the last payment being XXXX/XXXX/XXXX instead of XX/XX/XXXX. The payments resumed monthly on XX/XX/XXXX. But since I had incurred more expense in XXXX for my husbands burial, I decided to pay off the Oportun loan, to lower my debt. Therefore I called Oportun customer service and asked to cancel the automatic payments because I wanted to pay off the loan. The XXXX confirmed that the XXXX and XX/XX/XXXX payment was {$520.00}. The next day, XX/XX/XXXX, I went on the Oportun website and according to the amount on their system, I paid {$520.00} for XX/XX/XXXX and XX/XX/XXXX payments. On XX/XX/XXXX I went on the Oportun website again and paid {$260.00} the amount charged by their system for the last payment due on XX/XX/XXXX. With the XX/XX/XXXX payment, total paid was {$8600.00}. Total repayment of the loan on the promissory note I signed on XX/XX/XXXX, was {$8600.00}. My debt was paid in full. Therefore, I do not owe Oportun any additional funds. Attached are copies of all payments processed and paid by my bank. A document is attached showing a copy of all payments my bank made to Opportun from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am writing in regard a debt that was claimed I owe. I received a notice that Diversified Adjustment Service, incXXXX debt collector is collecting a debt that was owed to XXXX XXXX XXXX XXXX XXXX claiming I owed {$250.00} as of XX/XX/XXXX. 
I contacted this company in XXXX about cancelling this service since I am no longer living at this residence. The new tenant move in XX/XX/XXXX. Please advise on how to refute/eliminate this charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Case # XXXX refers. 

WellsFargo continues to double down on their wrong Escrow account calculation in response to my enquiries. 

Please note that my monthly mortgage statements support that during XXXX, I made payments to Wells Fargo in the amount of {$18000.00}. 
Funds paid into Escrow = {$10000.00} Escrow Disbursements = {$6300.00} Instead of correcting their error or clearly explaining how the ending balance in my Escrow account for XXXX became {$1200.00}, Wells Fargo continued to send pages of irrelevant information. 
By generating false foreclosure letters to justify attorney fees and claiming they were unable to locate calls made from a branch by an employee ( XXXX ) to a Vice President dispute resolution. A fact that was confirmed in their system when I went back to the branch in XXXX. WellsFargo has again shown lack of transparency in handling my Escrow account...

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 2022-11-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was charged {$770.00} back in XXXX for an XXXXXXXX XXXX car that I never booked. I filed a formal investigation with Citi and was told they would be investigating. They denied the claim and I reopened it by filing a police report and providing them with everything they needed. They said that XXXX provided a contract showing that I booked the car, however, my wallet was stolen so my ID could have been used to do this. They said they have a signed contract as well but never provided anything and once again denied the claim. XXXX even had already charged me around {$77.00} and after I noticed it, immediatley called Citi fraud dept. to report it stolen. They closed the card but I was still charged the {$770.00} after the fact!! They approved the fraud claim for the {$77.00} but not for the {$770.00} which makes XXXX sense since I made them aware of this before being charged. XXXX is running a fraud operation that must be stopped. 

Police report info : Incident No : XXXX Title : Stolen Property Officers Name : XXXX XXXX XXXX XXXXXXXX Police Dept .

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 2022-11-03 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: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, Transunion, and XXXX. However its been more than XXXX  days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a letter out XX/XX/XXXX to XXXX, XXXX, and Equifax. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: Chime Financial Inc
State: CA

Complaint narrative:
I got an unauthorized charge to my checking/debit card account on XX/XX/2022 at XXXX. After making an authorized charge of XXXX for merchandise never received on XX/XX/2022 XXXX PDT. I've reported this claim several times to Chime Financial only to be denied several times and do not know who else to turn to for help. Their argument is that since the both companies had my information and I was in possession of my card I must have authorized the charge. The fact that no merchandise was received for the first charge of XXXX and the second charge was made a different time totally unauthorized. ( Perhaps the XXXX companies are the same or Company XXXX ( XXXX ) illegally shared my info with company XXXX ( XXXX XXXX XXXXXXXX ) ; makes both these charges fraudulent. Chime witch claims to offer fraud protection has failed to provide it. After talking to several supervisors and customer service associates no was able to connect me with their fraud dept., only send them an emails or have the authority to issue me a credit. Upon first reporting this issue I was told I would need a new account and card which did not receive for over 2 weeks. It's been close to a month now with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
for almost 4 years now, I had a credit card with XXXX.When XXXX announced that they will be leaving the US last year of 2021 I was not able to see my credit score on my Credit report. recently I called one of the bureaus XXXX, and they said XXXX has not been reporting for almost a year. also called the bank the acquired my Credit card account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX and they told me after the first billing cycle I should be able to see my report. I am now on my XXXX Billing cycle and still do not have a score computed. This has affected me in my last XXXX inquiries on my credit report, because I got decline 3 times because the institutions was not able to see my report and noted it as that i have no credit history. Also it stopped me from managing my credit because I can't see my score either.

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 2022-11-03 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: TN

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. 

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 2022-11-03 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:
RE my Bank of America, credit card ending in XXXX I pay all my bills with Auto Pay from my XXXX XXXX  account. Your billing department has mishandled the billing on my credit card. 

XX/XX/2022 statement : I Owed {$15000.00}. Bank of America withdrew {$32000.00} from my checking account causing me to have numerous overdrafts and fees not only from XXXX but also my creditors. 
XX/XX/2022 : My Bank of America credit card had a credit for {$16000.00}, however B of A took {$13000.00} from my checking account. I was now overdrawn {$30000.00}. 
XX/XX/2022 : Credit card balance - {$30000.00}. XX/XX/2022 B of A sent me a check for {$6900.00} for the amount Bank of America determined they owed me. I deposited the check into my XXXX XXXX account. 
Bank of America made electronic payments from my XXXX XXXX account on XX/XX/2022 for {$9000.00} and again on XX/XX/2022 for {$9000.00}. New balance on the credit card of XXXX. 
XX/XX/2022 the B of A sent me a check for the {$6900.00} that Bank of America determined that they owed me. I deposited the check into my XXXX XXXX account. 
On XX/XX/2022 I received notice from XXXX that the check from Bank of America was declined because Bank of America put a Stop Payment on the check. As a result, I now had more fees and bounced payments to my creditors. 
I talked to Bank of America on the phone on XX/XX/2022 and on XX/XX/2022 to reimburse me for bounced checks fees and a letter explaining that Bank of America deducted to much from my checking account. They refused to even give me the {$12.00} fee that XXXX charged me for their {$6900.00} check that they put a stop payment on. 
On XX/XX/2022 I went to the Bank of America in XXXX XXXX Bank to see if they could help me. The assistant manager was very sympathetic of my problem and called the Credit Card Customer service number for me. I talked to XXXX XXXX, customer service agent for Bank of America explaining that Bank of America took excessive payments of over {$30000.00} from my checking account. I need the letter to reestablish good credit with my creditors. XXXX XXXX told me it was my fault for having auto payment on my account. 
Bank of America did issue me a credit which they claim paid back the over-charges but I question if they still owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: AZ

Complaint narrative:
Im trying to get a bankruptcy removed from all XXXX credit companies cause its effecting my interest rates etc. equif. And XXXX XXXX removed them but experian has not. this was over 8 yrs ago and its still effects me and want them removed asap!

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 2022-11-03 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1 ) XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights 3 ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number 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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UPGRADE, INC.
State: OH

Complaint narrative:
I applied XXXX checking account on XX/XX/XXXX. It's been a month, and my account is still not ready yet. Every week, they sent me an email says I need to call for verification. So far, I've uploaded my driver 's license, the photo of me holding my driver 's license, the photo of me & driver 's license & a note says I'm applying upgrade account, XXXX form, XXXX, and tax returns from XXXX and XXXX. They are still NOT able to open the account for me. I don't understand why this is so difficult. I'm just applying a simple and normal checking account, not a loan or credit card. The customer services are not professional nor friendly either. It took me at least XXXX calls to figure out I need to uploaded those forms from IRS. In the past month, I've called at least 10 times, wrote a bunch of emails, but Upgrade is still reviewing my application. No one ever talks to me about anything regarding my application until I call in and ask for instruction.

Company response to consumer: Closed with explanation