vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2022, I deposited a check into my account in the amount of {$1500.00}. I was told by the teller that funds would be available today. Without any notice I log into my account the bank has extended the hold for another 10 days. I have no money, gas, or food for my family. This is going to make me default on bills and everything when they could simply have told me thus upfront and I would have gone elsewhere. I can't afford this extended hold and frankly feel this is done to XXXX  which continues to perpetuate poverty for us. Bank of America has a long history of discrimination and this is just another one of those practices. They wouldn't let a XXXX  persons kids starve or be without food or gas.. totally unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have contacted Santander Consumer USA in request to try and work with my situation as I have been laid off and unable to pay my car loan. Matter of fact, this vehicle has BEEN SOLD to a dealership but as they have failed to payoff the loan, I have been making sure the loan is still getting paid. After I have expressed to Santander that I have lost my job and need assistance ; more than just a month or two extension, they have refused to help. I have even submitted multiple investigation requests in investigating the dealership this was sold to and they have done nothing about this and denied my claim every single time. 
AT THIS POINT, THIS LOAN NEEDS TO BE WRITTEN OFF AND ME TAKEN OFF THE ACCOUNT. THIS CAR DOES NOT BELONG TO ME ANYMORE. I DO NOT POSSESS THIS VEHICLE ANYMORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active 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 explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I deposited money at a Chase ATM at the address at the bottom. I put in exactly {$4500.00}, using $ XXXX and XXXX $ XXXX. I immediately called Chase to report it. After hanging up on me twice, they agreed to open up an inquiry and temporarily provide me with credit for the amount. Today, XX/XX/XXXX, they sent me a statement saying that their investigation is only giving me credit for {$2800.00} of the {$4500.00} I reported. I once again immediately called Chase, who hung up on me again, before telling me there was nothing they could do, and providing no rationale or evidence for their claim that I had not deposited {$4500.00}. I offered to provide witnesses to the amount that was deposited. They wouldn't accept it. I asked for the security footage that the investigation team must have reviewed, they declined to provide it. I asked to reopen the case, and they once again declined. I am not sure what to do at this point. I put in {$4500.00}. I have witnesses, including the person who handed me that {$4500.00}, but Chase is not willing to listen. I don't know what kind of investigation they did if they won't even talk to me -- the victim of their ATM 's failure. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active 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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
There was a bankruptcy filed in XX/XX/2018 it was voluntarily dismissed without the court paying anything within 60 days it was a mistake and its active on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2022-03-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reviewed my credit report and it showed multiple errors. The errors included incorrect names, addresses, accounts, and inquires that weren't authorized by me. I submitted multiple letters on XX/XX/XXXX, a second letter in XXXX as well as another letter XX/XX/2022. I haven't received any updates and this is affecting my life majorly due to them constantly reporting incorrect and fraudulent information.

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 2022-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Secured Resolutions, LLC
State: FL

Complaint narrative:
Disputed charge on XX/XX/XXXX Been charged by them for an amount of XXXX XXXX since XXXX until present XX/XX/XXXX Called them and spoke to several representatives who have not followed up with this since Ive reached out I called them today to ask for information on this debt. 

It does not show on all three of my credit bureaus. Please help as I am young and being taken advantage of by the system. I dont have much money so XXXX XXXX is a lot I never received notice of this debt, just saw it one day in XXXX XXXX and started paying it before I disputed it. 

The only odd thing I see, is that when I called today XX/XX/XXXX, the lady gave me this address as Secured Resolutions mailing address XXXX XXXX XXXX XXXX ny XXXX.but in XXXXXXXX XXXX  it shows a different address. 

Could this be the reason they havent updated my 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 2022-03-15 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: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 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: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, Kohls Credit Card online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on Kohls side. 

Im very upset about this confusion. Please delete ... ..I already notified Kohls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information is wrong as well as accounts listed with incorrect factors across all 3 bureaus

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 2022-03-15 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX  online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified 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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... XXXX.I already notified XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, XXXX XXXX XXXX online services keep kicking out automatic draft. They have change there website. This cause my account to have its first ( 1 ) 30 day late. I have never been late. This was not my fault. I need 30 day late on credit report remove. This is a Billing process error on XXXX side. 

Im very upset about this confusion. Please delete ... ..I already notified 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 2022-03-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Hello, I am sorry to write again about Wells Fargo. 
I was in mediation with Wells Fargo mediator XXXX XXXX and an independent mediator that Wells Fargo paid for. 

XXXX XXXX information me that I applied for home equity over the phone and he has records of this. 
I was not happy with XXXX XXXX and I asked him for the person to speak with about his findings. He gave me XXXX XXXX name and I called her about this. 
XXXX XXXX wrote back to me that XXXX XXXX findings are correct and we did apply on the phone. 
XXXX XXXX from the same department as XXXX XXXX said that we applied online internet application. 
I want to do mediation again as XXXX XXXX was not been honest in his findings. 
There is a federal law against banks lying to customers. 

Regards, 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 explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
I enrolled in autopay with GM Financial for our leased vehicle loan. I was " kicked out '' of autopay 3 times without my consent. Each time I realized I was " kicked out '', I reenrolled immediately. My account was marked late 3 times and late fees assessed. It has affected my credit score significantly. 
I have a new GM Financial lease now and it is proving to do the same thing. I think they either have a faulty system OR they are purposefully trying to collect late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

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 2022-03-15 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: CA

Complaint narrative:
i have been writing transunion for 2, years now, and they refuse to remove this account XXXX XXXX, that is not mine. i have done a affidavit, 2 years ago, and they ignore the affidavit. they never gave me a " early warning notice before placing this in my file, and now refuse to take it off. After 2 years, enough is enough, i'm disgusted, a single mom, spending time and hours on this one account, instead of providing for my daughter. It is even more now depressing knowing that the bureaus have only investigated 2 % of all disputes in the lat 2 years, how is this humanely possible, an agencys, with so much power ruining human beings lives

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 2022-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP
State: OH

Complaint narrative:
Back in XXXX XXXX XXXX, I evidently went online to research my credit score. I found an offer from a company named " XXXX '' ( One Technologies LLC ) for free credit reports. I thought I was getting a " free report '', but evidently i was being charged {$29.00} a month for a service I did not subscribe too. I just wanted a one time free report which I should be entitled to. 

I have received ZERO communications from XXXX  since that time. Then out of the blue, I get an email on XX/XX/XXXX about a monthly subscription payment. 

" This is a receipt for your monthly subscription payment for XXXX. 
We successfully charged {$29.00} to your XXXX on XX/XX/XXXX, in accordance with your member agreement. This charge will show up on your card statement as XXXX. " This was the first time I ever received any communication from them about monthly charges. I went back through my email history and nothing! I found a number to thier customer care department and immediately contacted them. I discovered that i have been billed a {$29.00} charge 49 times without my consent or knowledge. 

I have since done some research and discovered that this same company was fined XXXX XXXX back in XXXX for the exact same deceptive practices. I feel like I fall into this catagory and want my money back and the company to be punished. 

Company listed address is : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: TX

Complaint narrative:
INCORRECT INFORMATION ON MY CREDIT REPORT. IVE FILED MY FTC REPORT AND 605 LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 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: CCS Financial Services, Inc.
State: MI

Complaint narrative:
{$870.00} Medical bill was paid off by me to original creditor, XXXX, invoice # XXXX. Then a credit collection agency, Credit Collection Services ( CCS ), put the same unpaid bill on my credit report as a collections account in XX/XX/2022 ( reference CCS file # XXXX XXXX XXXX ). I called CCS phone XXXX to talk to CCS on Tuesday XX/XX/2022 and spoke to representative named XXXX XXXX and then spoke to CCS XXXX XXXX XXXX XXXX. They both stated that they will update my credit report to show the CCS account as paid in full. Their CCS records show the account has a XXXX balance already. I told them the CCS account should be deleted because CCS can not collect on a debt I paid off with the original creditor. CCS staff refused to listen to me and said my account will not be deleted on my credit report. I kept telling me to delete that collection account off my credit report because they have nothing to collect from me and the original creditor already has the money from me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: PA

Complaint narrative:
I came to a payoff agreement of XXXX with the credit collector in XXXX to pay and close the account which I did. It posted and updated as closed onthe other XXXX credit bureaus but XXXX. Ive sent documentation showing. Ive contacted Harley, credit collector and repeatedly XXXX. Each time its we have the information and proof you sent it should update in XXXX hours and everytime its wrong. Its taken forever to get a solution and the report fix and to be right. I need it updated ASAP please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XXXX XXXX, 2022, I attempted to send {$1000.00} to recipient XXXX XXXX via Paypal. The money ( {$1000.00} ) was subsequently removed from my XXXX bank account and forwarded to the wrong email address for the recipient. I did not designate the address utilized by Paypal for the individual who received and accepted the funds in question.

Company response to consumer: Closed with explanation