vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Complaint Statement Balance XX/XX/2023 Previous Balance {$130.00} Payments and Other Credits {$0.00} Purchase and OtherDebits {$140.00} XXXX {$0.00} Past Due Amount {$30.00} Fees Charged {$30.00} Interest Charged {$4.00} New Balance {$310.00} I provided my XXXX XXXX XXXX  Checking Account information when I received and started using the XXXX XXXX Instead of obtaining payment from my Checking Account they charged me fees and interest. I paid this entire newbalance on XXXX manually. I then tore up the card. My complaint can be satisfactorily addressed by investigating this fraud scheme. This company makes it very difficult to understand if you have successfully set up an automatic payment which I attempt to do and thought I had succeed at doing. Also, my password and user name was stored by XXXX but were not subseqently deemed valid. I could not log back in and don't have time to play silly games. XXXX subsequently make the charges stated above. If this is systemic to all customers it amounts to a fraud scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
complaint regarding payments that were marked late by XXXX XXXX for the following account XXXX on the following dates XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( a ) ( I ), my consumer report should not contain information solely as to the transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history have negatively impacted my consumer report and are considered as part of my transactions and experiences between me and your company.

Sheffield Financial are in violation of consumer laws put in place to protect me. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ) to follow the law.

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 2023-03-25 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: AZ

Complaint narrative:
On ( XX/XX/XXXX ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Credit reporting agency was informed of a charged off account being inaccurately reported ( XX/XX/2022 ) .Account was removed based upon the completion of their investigation. However, the error has recently been placed back within my credit file. Affecting my general mode of living and preventing me from financial gain. Please help.

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 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Certified Credit Reporting, Inc.
State: MI

Complaint narrative:
Certified credit reporting 3 inquires 3 of 3 XX/XX/2023 I did not give permission to this company to run my credit report or access my credit this is fraud please remove now from all credit reports and to never do it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Acceptance, LLC
State: MI

Complaint narrative:
American Credit Acceptance XX/XX/2022 Inquiry Date reported as a Hard Inquiry If its the company I think it is something is still wrong because I already have a vehicle with a name of company that sounds similar but theres no reason to perform a hard inquiry when I am still making payments month to month and did not authorize that inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX of XXXX I noticed Comenity bank added two extra interest charges to my bill. No explanation. The interest charges just showed up as : XXXX  XXXX and XXXX  XXXX. I sent messages to XXXX but no one would clarify for me what these were. I called XXXX and spoke with XXXX on XX/XX/XXXX and she could not explain it either. 
Interest charge calculation Your Annual Percentage Rate ( APR ) is the annual interest rate on your account. See BALANCE COMPUTATION METHOD on page 2 for more details. Minimum interest charge may exceed interest charge below, per your credit card agreement. 
TYPE OF BALANCE APR BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE Purchases 24.24 % ( v ) XXXX ( DA ) XXXX Cash Advances 29.99 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 29.24 % ( v ) XXXX ( DA ) XXXX XXXX  XXXX 27.24 % ( v ) XXXX ( DA ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Someone opened a credit card using my email account. Bank of America will not open a fraud investigation or delink my email since the account isn't under my social. 

I do not want to be associated with this fraudulent 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 non-monetary relief
Consumer complaint received 2023-03-25 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: FL

Complaint narrative:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

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 2023-03-25 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: NY

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX 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.

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 2023-03-25 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Deinde Online Services, LLC
State: WI

Complaint narrative:
Integra credit XXXX : XXXX XXXX XXXX XXXX, Suite XXXX, XXXX, IL, XXXX Fax number : XXXX Email : XXXX The Integra credit personal loan was partially paid, the rest was included in a bankruptcy. The bankruptcy lawyers attempted to contact them and inform them to cease communication with myself, and communicate with my lawyers, they refused and kept contacting me using different numbers and methods since XX/XX/XXXX. The bankruptcy has been complete and fully discharged as of XX/XX/XXXX, and the integra credit no longer appears on my credit report. I reported this to XXXX XXXX as well. Integra is still bombarding me with calls a few times a week if not daily using several different phone numbers. They wont leave me alone. They have been informed via XXXX and the bankruptcy lawyers that their debt was cleared in the bankruptcy several times. I have given them the docket, the case resolution, XXXX reports, and they wont leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 non-monetary relief
Consumer complaint received 2023-03-25 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: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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:
This may not be the right option chosen. My complaint is against Equifax for clear racism. I literally have never had any large loans or owed multiple XXXX  of dollars on anything. In the last 3 years i have paid everything off and have managed to get a XXXX on my XXXX and a XXXX on XXXX. Yet even tho i don't owe anything but student loans, and i have never had large debts my credit as a XXXX year old male who has never had large debt is XXXX with Equifax. That is racism and classism at its best.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CREDIT CARD FROM XXXX FOR XXXX. AFTER SEVERAL ATTEMPTS OF DISPUTING THESE CHARGES. I BELIEVE NO INVESTIGATION WAS COMPLETED. I REQUEST A COPY OF THE APPLICATION AND BECAUSE IT WAS COMPLETED BY SOMEONE ONELINE THEY WERE NOT ABLE TO FORWARD MY REQUEST.I HAVE EXPLAINED NUMEROUS TIMES THAT I AM A VICTIM OF IDENTY THIEF. I HAVE WRITTEN IN DISPUTES, I HAVE HIRE A XXXX XXXX AGENCY, I HAVE PLACE ALERTS AND LOCKS, I HAVE PRODUCED POLICE REPORTS AND AFTER ALL THESE YEARS IT IS STILL LISTED ON MY ALL 3 CREDIT BUREAUS XXXX XXXX AND TRANSUNION. I HAVE ALSO EXPERIENCED CREDIT BREACHES FROM XXXX AND TRANSUNION AND TO NO PREVAIL.

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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened an account with Chase online using my XXXX XXXX account to fund the account with {$25.00}. I made a deposit on XX/XX/XXXX of {$2300.00} at the branch which consisted of 2 checks. One of the checks was my pay check XXXX {$1200.00} and the other check was my mother 's tax refund which she had given to me XXXX {$1100.00}. My mother was with me at the drive up window, provided her ID and we double endorsed the check. Within about a week of that deposit I tried to use my debit card at XXXX and the payment was rejected. When I contacted Chase they told me that my account was restricted because they needed to verify the checks that were deposited. They contacted my mother twice to verify but stated they could not contact my employer to verify because he was not listed in some database. I was told that we needed to go to a branch with his ID. Because he is in TX and I am in FL, he went to his local branch at the same time that I went to one locally. They told him they could not speak to him and he would need to call in and told me to come back another time because they were busy. When we called, the rep again stated that they could not verify him because he was not in the database. The check had already cleared in his account and was showing in my account, except my account was restricted. I was in the hospital for over a week and could not follow up on it. When I got home on XX/XX/XXXX, there was a check in the mail for the balance in my account and the account had been closed. The check did not include the funds used to open the account of {$25.00} ( each for my checking and savings ) nor did it include the funds from my pay check of {$1200.00}. I asked my employer if the funds had been returned to his account and they had not. I went to the branch on XX/XX/XXXX and was told that the money would remain in suspense with Chase and my employer would need to file a claim with XXXX to have his funds returned. When he contacted XXXX, they told him that they had never heard of this happening before and said they don't have a mechanism for getting the money back from Chase. He was told that he needs to fight with Chase. Not only will Chase not release the funds to me, they will not return them to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Chargeback with XXXX XXXX : Reference to Case Number : XXXX & Case Number : XXXX with Goldman Sachs Apple Card XX/XX/XXXX XXXX XXXX Eastern Time : Airline ticket purchased from XXXX XXXX. Listed as being able to be cancelled on their website. Purchase of {$250.00} On XX/XX/XXXX XXXX XXXX  Eastern Time ( via email ) : After refusing to cancel and refund the purchase the merchant offered me a credit for future use. They charged me {$45.00} to do so leaving {$210.00} as a credit with the merchant. I accepted and informed them I would reach out for help with Apple Card support as their website showed I would be eligible for a refund and they did not honor it. Dispute opened with credit card issuer. 

On XX/XX/XXXX at XXXX XXXX  Eastern Time : Never heard back from Goldman Sachs Apple Card on dispute so I attempted to use previously offered credit and could not do so as the website didnt acknowledge it on my account. I reached out to XXXX XXXX customer support via Text Message support and corresponded with a representative named XXXX. He informed me there was no credit and there was nothing further he could assist me with. I have now received NO refund and NO credit. 

XX/XX/XXXX XXXX XXXX  Eastern. Received email dispute had been denied. Called Goldman Sachs at XXXX and spoke with XXXX regarding my reversed chargeback. She found my email response from XX/XX/XXXX but did not see the attached PDF file. She reopened the dispute and informed me to reply back with images when requested again. Evidence submitted has been mishandled by credit card issuer and not attached. 

XX/XX/XXXX XXXX XXXX  Eastern : Received email dispute has been denied. Called Goldman Sachs at XXXX and spoke with an agent asking how to escalate this matter. She was able to put me on hold to escalate to a supervisor. XXXX, answered and verified my identity. I explained the issue and she offered to escalate it for review. She indicated there was no case or ticket number for this action as it is " internal ''. She also indicated there is no service level established for when I should hear back on this. I requested at this time a copy of the evidence used in determination.

Company response to consumer: Closed with non-monetary relief