vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
I signed a contract with GoodLeap finance company for the installation of a solar panel system. The solar panel company, XXXX XXXX uses the GoodLeap company and would not start installation until a contract was signed. I signed the contract on XX/XX/XXXX. The installation did not take place until XX/XX/XXXX. My first payment to GoodLeap was not due until XX/XX/XXXX. As of XX/XX/XXXX, the solar panels are still inoperable. All payments are automated for the XXXX of each month. When I went in to check on my Goodleap account all payments have gone to interest. I inquired of the company, why none of my payments had any payments towards the principal. The company informed me that they began daily interest the day I signed the contract XX/XX/XXXX not the on the day the first payment was due, hence I incurred 90 days of interest prior to the first payment. I believe is a predatory lending practice the company is subjecting on consumers. With this predatory lending practice, the consumer will always be behind on payments to the principal, forcing interest to be paid up front over the life of the loan before the principal is paid down. On the GoodLeap payment website there is no way for the customer to paying directly on the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Tried to initiate a transfer out of the savings account on XX/XX/XXXX. Despite being ACH, they don't process the transfers for 5 days. On XX/XX/XXXX, I have a note that my account was locked. Called and waited for 1:30 minutes to a representative. Account was unlocked and ACH transfers could resume. ACH limit due to the blocked transation was not restored. 

{$50000.00} was transferred, out of the {$200000.00} requested. Account balance shows {$100000.00} was transferred, {$50000.00} unaccounted for currently. {$190000.00} is locked in the account again on XX/XX/XXXX with no way to transfer. Request for a wire was declined.

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 2024-02-21 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:
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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an offer on my Banking Online from Bank of America that was either a Cash Advance or Balance Transfer with a 3 % fee if I applied before XX/XX/XXXX. I have been monitoring the promotional offer on my app for more than two weeks ( just waiting to be ready to request it ). However, on XX/XX/XXXX, when I finally decided to go through the promotional offer, the interest rate was changed to 4 %. The due date for the offer was kept the same, XX/XX/XXXX. I called the Bank, and I explained to them my arguments about the fact that the Bank had advertised the offer as valid until XX/XX/XXXX. They recognized they have changed the rate recently. I requested to talk to a supervisor but that was not successful. I firmly believe this is a false advertisement because they provided misleading and untrue information. Not sure if it was intended to or not, but they didnt respect what they had advertised already.

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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express closed the principals account without legal agreement in writing nor verbal agreement. Principal revoked said companies ' power of attorney to make any decisions on principals account without consent. A billing dispute was sent to the company along with instruction, and lawful tender of payment through registered mail number XXXX. The closure of the account is considered adverse action per 15 USC 1691. The coupon attached to the " statement '' is a receivable that has been credited on said account. American Express is in violation of their sec filings via their XXXX, and prospectus filing. On XX/XX/2024, an application/ security was rendered to American Express , and the application was returned was returned as denied. Per the bill of exchange act of 1882, value was given through the application on file. Credit card receivables, including generated credit card applications, are securitized and are then turned into assets which in return are financial instruments such as notes or securities backed by the cash flow from the underlying credit card receivables. This transaction allows this company to create tradable instruments for their investors. The principal on this is in fact treated as an investor. The company " American Express '' understands clearly per their words in their sec filings that the only way to pay a " Bill '' lawfully is through interest. They have chosen to ignore these facts and continue to disregard said filings that are heavily regulated and protected. They are in plain English are COMMITTING SECURITY FRAUD per 12 CFR 1026.12 and 12 CFR 1026.13 ( D ). with the intent to invade tax liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
This issue I'm facing with Capital One travel that booked with them using Capital One Venture-X credit card ending in XXXX. 

I had booked international ticket for multi-city with confirmation code- : XXXX XXXX, US to XXXX XXXX, XXXX on XX/XX/2024, XXXX XXXX, XXXX to XXXX, XXXX on XX/XX/2024 XXXX and XXXX, XXXX to XXXX XXXX US on XX/XX/2024 XXXX 

I faced the following issue - 1 ) I couldn't reschedule a flight online so I called customer care to find out the rescheduling charges. Charges were high so I did not reschedule it. This happened 1-2 weeks before my travel started on XXXX XXXX. 
2 ) Before my travel started on the XXXX of XXXX, I found out that the previous agent had by mistake cancelled that ticket. So, after so many follow up and spending hours on the call, Capital one offered me the same ticket and they bore the extra charges. But they did mistake again to book incorrectly book my departure from XXXX on XXXX instead of XXXX XXXX. 

3 ) On XXXX XXXX, I asked to reschedule my return ticket keeping the layover time the same of 3 days but the agent booked it on XXXX XXXX with no 3 days layover and told me that the previous agent also made a mistake and had booked both the tickets of XXXX to XXXX and XXXX to XXXX on XXXX only. Agent cut the call without providing the resolution. 

4 ) I called again to Capital one travel to fix the error but they are not agreeing and putting blame on me. While I repeatedly told the agent to book flight with 3 days layover and return from XXXX on XXXX XXXX. 
I have also requested them to share transcript of the call but they said they can't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: NY

Complaint narrative:
I have found some information that is inaccurate on my credit report. The date-of-last-activity being reported for this account doesnt match my records. 


XXXX XXXX XXXX XXXX XXXXXXXX

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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I HAVE REPEATEDLY CONTACTED EXPERIAN CREDIT BUREAU REQUESTING THEY " PERSONALLY " CONTACT XXXX XXXX XXXX  BY PHONE. 
I HAVE SPOKE WITH 3 EMPLOYEES OF XXXX XXXX  WHO VERBALLY VERIFIED MY PAYOFF ON XXXX XXXX XXXX 
THEY SENT ME A EMAIL ALSO. 
.. BUT AFTER ( at least ) THREE ( 3 ) ATTEMPTS TALKING WITH SOMEONE AT EXPERIAN AND SUBMITTING COMPLAINTS ; THEY STILL REAFFIRMED THE NEGATIVE AND INACCURATE INFORMATION ON MY CREDIT REPORT. 
I NOW HAVE THE TITLE TO MY VEHICLE WITH XXXX XXXX XXXX AS THE RELEASE DATE. 
I AM XXXX WITH XXXXXXXX XXXX  AND THIS HAS TRIGGERED MY XXXX REPEATEDLY RESULTING IN ME BECOMING 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 explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I contacted Ally numerous times asking for clarification on what is going on with our bills and why they are never adjusting our amounts after payments. We have been late but have paid down the balance two payments in XXXX And 2 payments in XXXX We have always made payments when possible and it seems they rarely apply payments to the principal and they are not adjusting the bill correctly as we should not owe XXXX but they refuse to explain our billing or adjust accordingly also applying XXXX in late fees seems excessive and if someone is struggling to keep up with their extremely high car payments how is such a high fee supposed to help get caught up. I want my statements and account reviewed and explained because I feel very mislead and like we are being treated unfairly.

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 2024-02-21 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: EQUIFAX, INC.
State: CT

Complaint narrative:
I have notified XXXX & Equifax MULTIPLE TIMES stating that this is NOT MY ACCOUNT and it still remains on my credit report. I have submitted a complaint to CFPB, FTC & my STATE ATTORNEY GENERAL. I have attached those complaints here. 

In addition, CFPB filed a lawsuit against XXXX proving their deceptive business practices. I have attached that lawsuit here. I TOO AM A VICTIM OF THESE DECEPTIVE BUSINESS PRACTICES and fraudulent accounts not being removed from my credit report. 

Please remove this account TODAY. 

Equifax are in VIOLATION of 15 U.S. Code S 1681c-2. " A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identify theft, no later than 4 business days after the date of receipt. '' It has been MORE THAN 30 days and you are in VIOLATION of this law because I am a victim of identify theft. 

Please delete these items IMMEDIATELY. XXXX has already removed this account from my report as they know it is not mine. Please remove ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have consistently made my payments on time for this account, which is causing me great stress to see a late payment error. I have never failed in my commitment to timely payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: GA

Complaint narrative:
On or around On XX/XX/XXXX I contacted CREDIT CONTROL through the CFPB protal and I notified them not to contact me anymore. Since then the have contacted me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That is a total of 6 times. I will now be seeking damages for violation of my consumer rights. I am making this complaint as notice.

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 2024-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have contacted Transunion that these accounts are not mine MULTIPLE TIMES. I am a victim of fraudulent accounts not being removed from my credit report. I have attached my identity theft report here as well as the civil action lawsuit against the company. I have also submitted a complaint with my STATE ATTORNEY GENERAL since this account has not been removed from my report after multiple attempts. 

XXXX XXXX XXXX  has had a similar issue reported to the Supreme court in a lawsuit lawsuit against nine defendant banking and debt-collection institutions on XX/XX/year>, alleging that each defendant reported inaccurate and derogatory information related to her credit card account and failed to correct their errors after receiving notice of plaintiff 's disputes from the credit reporting agencies, all in violation of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692 et seq. See generally XXXX XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX. 

These are accounts are not mine need to be removed IMMEDIATELY. The credit bureaus and credit card company is in violation of 15 US Code S 1681-c2. It has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please remove these accounts immediately from my 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 2024-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kwikcash, Inc.
State: SC

Complaint narrative:
I have paid my debt off it has been over 45 days they took my payment and said my debt would be cleared off my credit and it has not. They didnt even send me an email of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2024-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Auto has not paid me refund from unearned interest from loan that I paid off early. Made up false charges after the loan pay off and has will-fully withheld refunds from cancelled service contracts. 

Chase was supposed to change payment due date to the beginning on the month, and did not in order to bill me for more late fees. 

They have also made multiple falsified negative marks on my credit report, and incorrectly assessed late charges. Almost all the charges and debits on this account is incorrect or have errors. 

They claim to assessed {$160.00} in late charges, but actually charged {$330.00} in late charges, a couple of which were assessed a late charge of 20 %. 

Tried to charge me over {$1400.00} after the loan payoff. 

They really should be audited. If my account was this convoluted, I can imagine the thousands of other consumers being scammed and lied to

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: Early Warning Services, LLC
State: TN

Complaint narrative:
I was doing research on my credit profile and realize a company that I never heard of before. The company name is Early warning a consumer reporting agency that reports consumer information. When I became aware of this I contacted the company and told them that they were in violation of the 1974 privacy act using my information without my written consent. I also told them that my name is copy righted and trademark and that I own my name. I sent them a Cease and desist letter to stop utilizing my name and reporting my info on their credit profile without my written consent. 
Early morning stated that they do not get the information but the banks report it to them. I have no bank accounts all my bank accounts are Trust accounts and their is nothing with my name liked to them or a bank. They willful and knowingly continued to use my mark without my consent. I sent them a Trademark violation letter also and they continue to violate my personal right and federal law. I will be seeking monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have consistently made my payments on time for this account, which is causing me great stress to see a late payment error. I have never failed in my commitment to timely payments.

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