vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
After receiving the letter of validation from Exeter Finance dept. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
When I received a payoff amount from GoodLeap for my account ( account # XXXX ) I paid the total amount due by the due date, then GoodLeap came back and said I owed another {$42.00}. When I called GoodLeap they stated they forgot to put the {$42.00} in the payoff amount ( some sort of fee ). I asked to speak to a manager on XX/XX/2023 and XXXX ( the manager ) agreed with me that I should not have to pay an additional amount after I already paid the payoff amount and that he would get back to me- XXXX never got back to me. I called on XX/XX/2023 and filed a formal complaint with a different manager XXXX. I have called multiple times since then requesting an update and keep being told that they are working on it and that someone would get back to me. Today ( XX/XX/2023 ) GoodLeap sent me another bill for the {$42.00} via email. 
No one from GoodLeap ever got back to and it has now been over a month. 
I believe that it is EXTREMELY unfair for a financial institution to give someone a payoff amount, then request more money. 
Thank you for your help, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 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 2023-05-12 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: CT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2023-05-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Southwest Rapid Rewards card Attn : Refund unfair and sneaky transaction charge I've noticed the mysterious charge of {$30.00} transaction charge and {$7.00} cash advance interest charge on XX/XX/23 & XX/XX/23 respectively. When I called Chase, they said funding my online sports gambling account ( BETMGM ) is considered a " cash advance '' transaction and there is a {$30.00} charge and the interest will be accrued on the amount. 

Though I've told them that I was never aware of the fact that making a transaction at my " XXXX '' account will be considered a " cash advance '' and that the Chase app never notified me of this at the time of the transaction. I called the dispute department at Chase and spoke to 3 different agents to find out about these

two mysterious charges. The last representative was the supervisor who told me " It is stated in your CC agreement that any transaction to an online sports gambling site is considered a cash advance. '' and finally hung up on me before I could plead my case where I've opened up the Chase Southwest Credit card when online sports gambling wasn't available at the time. So there is no way the Credit Card agreement had that specific clause. 

I sent an email message to their customer service department stating that I was never aware of such a policy/rule and asked for a refund of {$30.00} + {$7.00} a few days ago. To my surprise, they sent me a very quick and generic message stating the same response saying that the transaction is considered a " cash advance '' and they are unable to credit my account without understanding the fact that I was never aware of this " policy '' when I signed up for the credit card. And since I wasn't aware of this policy and they failed to notify me at the time of the transaction during a mobile transaction, I think I should get the refund from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : 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 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 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am writing to file a complaint regarding the closure of my credit card account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and XXXX. 

On XX/XX/2023, I received a notification stating that my credit card account with Bank of America had been closed. However, the notification did not provide any clear reason for the closure except the fact that they noticed unsatisfactory performance on personal card. No details of what the issue is and what was the unsatisfactory performance has been provided. The letter from the bank for closing my personal card account states that Irregular authorized user activity which does not provide any insights on what the irregular activity is. The bank at its sole discretion closed all my account without giving any chance of being heard. I called customer service to inquire about the reason, but the representative was unable to provide me with any explanation. 

I have been a loyal customer of Bank of America for many years and have always made timely payments on my credit card. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. 

Furthermore, I can not help but feel that the closure was based on discriminatory and XXXX motives. As an XXXX american, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my credit card account is another instance of such discrimination. 

I request that Bank of America provide me with a clear and valid reason for the closure of my account with sufficient details. Also, what is basis of closure of the account like a policy or document that I signed informing me that I can not have authorised signatory on my account? Additionally, I demand that Bank of America address any discriminatory practices within their organization and take appropriate action to prevent such incidents from happening in the future. 

I hope that this matter will be addressed in a timely and appropriate manner. Thank you for your attention.

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 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX seen suspicious activity on cash.app account try contacting was closed Sunday XX/XX/XXXX spoke to representative explaining situation was told account on hold and under investigation and no transaction could be made on XX/XX/XXXX a family member sent XXXX $ to account and money was excepted and withdrew cash.app is aware that whoever received money did so under there email phone number but my cash.app tag and through my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My checking account was closed by Wells Fargo because of overdraft fees.

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 2023-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MT

Complaint narrative:
Planet Home Lending began servicing our mortgage in XX/XX/XXXX. The company offered budget payments ( bimonthly ). This seemed like a good idea since it would provide us more funds at the beginning of the month. In XX/XX/XXXX, the company mailed me a letter with the form to complete. On XX/XX/XXXX, I faxed the completed form and voided check to the company from the local XXXX store. The letter dated XX/XX/XXXX stated that I would be notified of the date the budget payment plan would take effect. The letter did state that the mortgage must be current, which it was, and to include a payment with the budget drafting setup form. I paid the XX/XX/XXXX payment online as I always do. It was withdrawn from our checking account on XX/XX/XXXX. Since the mortgage was current ( and has always been ) and the XXXX payment made, I awaited a letter to inform me of the effective date. 
On XX/XX/XXXX, I went to the store to purchase groceries and my account was overdrawn due to a {$1100.00} withdrawal from Planet Home Lending. I had not received notification that the withdrawal was to begin. I received two letters in the mail on Friday, XX/XX/XXXX, from Planet Home Lending notifying us that the payment would be drafted on XX/XX/XXXX in the amount of {$1100.00}. I called the mortgage company because this would result in them receiving TWO full payments in XXXX to the tune of over {$4400.00}. They said I should seen this information in the application provided. The application did not contain any information that the budget program would start immediately and take a full mortgage payment out after you had already made a mortgage payment that month. The representative said that payments are scheduled ahead of time every 14 days and drafted on XXXX. She would not refund the amount withdrawn. Before I completed and returned the budget pay forms, I read the information they provided and even checked their website for more information about how the program would work. There was no information provided. This is unbelievable that a mortgage servicing company can do this to people. Luckily, it will not bankrupt us, but it does cause a hardship when I make two mortgage payments in one month without my consent and without the company informing me. 
The letter received on XX/XX/XXXX to inform me that the draft would start on XX/XX/XXXX was dated XX/XX/XXXX. It was mailed on XX/XX/XXXX as is evidenced by the XXXX XXXX meter stamp. I have all the documents including the original form I completed and faxed to Planet Home Lending, the XX/XX/XXXX letter, the XXXX XX/XX/XXXX letters along with the envelope that is postmarked. Also, I have Informed Delivery from the USPS. I have saved and printed the email showing the arrival of the two letters from Planet Home Lending today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I was sent XXXX $ to my Paypal prepaid Mastercard, and they put a hold on the money but it was received. But I've done all the requirements to uplift the hold on the money I have on my Paypal account so I can transfer it to my Prepaid Paypal Mastercard. They said they can hold it up to 21 days because I'm a new account holder, but there was waysto get the money faster, which I followed every step but still have a hold on the money.

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 2023-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, Equifax, XXXX, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Experian, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : XXXX, Equifax, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, XXXX, Equifax, XXXX delete this bankruptcy immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: GA

Complaint narrative:
I have disputed a bankruptcy that was inaccurately reporting on my credit report with XXXX XXXX. I received the attached letter from XXXX XXXX stating that they have removed the bankruptcy from my credit file on XX/XX/2023. However, the bankruptcy is still reporting with XXXX XXXX and all three credit bureaus : Experian, XXXX, XXXX. 

I have reaching out to all agencies repeatedly after XXXX XXXX has notified me that it has been removed. It is now 30 days from the date of the letter from XXXX XXXX and the bankruptcy still has not been removed from my credit report. 

I am asking CFPB to please assist with having these agencies abide by the law in its entirety and delete this disputed item from my credit file. I am demanding that All agencies, XXXX XXXX, Experian, XXXX, XXXX delete this bankruptcy immediately.

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