vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-18 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: American Credit Acceptance, LLC
State: OK

Complaint narrative:
My account with American Credit Acceptance was originally showing paid as agreed after a payment extension was granted to me and an additional payment was received. On XX/XX/11 my mortgage company pulled my credit report which showed paid as agreed. I am in the process of trying to buy a home which I was supposed to close on this month and now may not be able to. American Credit acceptance is now reporting to the bureaus that I was 90 days late for the months of XXXX and XXXX and it has removed my payment for XXXX that had been reporting current and is now not. 
Not only is it reporting inaccurately and is representing false information since I have NEVER been 90 days late, it is also showing I am passed due XXXX which is also a lie as that payment has been made and was never late. 
I am at risk of losing my mortgage approval and feel this is an injustice to me as the way they are reporting and their reporting practices are severely unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have been contacted XXXX XXXX 's credit card bank for months. I was finally refunded for the purchase that was sent to me in error from XXXX as well as all the late fees and shipping charges. However this institution has been reporting me as past due for three months now. I want this corrected and deleted from the credit profiles. Comenity bank has not replied or correct this reporting, When you call you can only speak with offshore contractors. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: VT

Complaint narrative:
On XX/XX/, I opened an Apple-Goldman Sachs savings acct XXXX using the apple wallet. I transferred money from my apple cash. 

In the agreement, and even written in big letters on the app, is that the money is available for withdrawal at anytime. 

However, when I tried to withdrawal funds on XX/XX/XXXX - back to my apple cash it was repeated declined. 

When I called to inquire, I was told that they money was subject to " transfer delays '' and that these " transfer delays '' may last for up to 90 days. When I asked her to define " transfer delays '' she couldn't. I objected, '' and stated that this was in violation of the contract, and also in violation of what is explicitly written on the app.. the XXXX  agent told me that they could always return the money immediately to where it was deposited from. When I said, that is what I was trying to do, she blamed the delay on apple, and would not provide further explanations. 

In the end, they would not make the funds available as the advertising promised. So I simply initiated a 100 % withdrawal of funds with instruction to wire transfer to my physical bank. Then, several days later, the money was at last deposited into my funds. 

I told XXXX that I would be reporting this fraudulent activity on their part. As well I told them that this may include joining a class action suit - as it seems that many persons were complaining online of a similar negative experience of GS not allowing withdrawals, despite the clear adverising of " funds available for withdrawal anytime. '' Then, today XX/XX/XXXX, I received an email informing me of an " Update to our Account Terms '' that now has a clause that says " We reserve the right to require you to notify us in writing seven days before a withdrawal is made from your Account. '' It also now says, " We may restrict your access or use of your Account, or close your Account, at any time and for any reason, without notice or consent '' It also now states, " Claims may be submitted to arbitration on an individual basis ONLY. Claims subject to this arbitration provision may NOT be joined or consolidated in arbitration with any Claim of any other person or be arbitrated on a class basis ... '' As well as, the updated account agreement says, " We may use the funds in your Account to cover any : XXXX '' and " You agree that we may respond to any such legal process in our own discretion without regard to jurisdiction. '' And " Regardless of the terms of any legal process, we have first claim to any funds in your Account '' and " We are not required to accept or execute any Apple Cash Transfer instruction. '' It is crystal clear that they could not abide by the original terms of their advertised services that were in place when the account was opened. So they have now gone back and modified them with absolutely unacceptable terms. 

Account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

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 2023-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Last XX/XX/XXXX, I acquired a car through the financial company. The amount that was agreed to pay was {$17000.00} plus the XXXX that were given in the firm a total of XXXX 1 car of XXXX excessive but we accepted After two years and seeing the need not being able to pay the car a year and a half we decided to return the company, he offered the possibility of giving it to him to sell it at auction and thus be able to reduce the debt To call to let us know how the situation is. The surprise is that they tell us that that {$20000.00} car was sold for XXXX, we understand that it is a scam and also that the debt we have with them amounts to {$25000.00} as it can be after paying {$7500.00} of the XXXX and the car and even seeing the double they tell us that the problem is that the interest is more than 25 % which they never explained to us We understand that We can pay our report. It's damaged. They don't want to sell us more cars at any dealership and the only solution they give us is to make a five-year payment plan and continue paying interest. Honestly, a scam and abusive

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 2023-07-18 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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
XX/XX/ called them and asked them what it was related to and given them the phone number they have been calling and they said they have not called, but I have messages where they have called and left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION ''15 USC 1962e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A REPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2023-07-18 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: DISCOVER BANK
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Our company bank accounts with BMO Harris Bank were all closed XX/XX/XXXX. I stopped into the branch to make sure that all accounts had {$0.00} balance and that cash balances were transferred to our new bank account with XXXX XXXX ( XXXX ). 

I have an email asking to confirm that all accounts are closed. 

Almost a year later, we received a call from a collection agency stating that our business credit card has a transaction that occurred that generated significant amount of interest. I thought the transaction was fraud and stopped by my local BMO branch to notify them. 

The branch stated that the BMO Business Credit Card was never closed by their employee and that a XXXX renewal membership of {$65.00} was ran on the card. I agreed that the XXXX membership is ours, but the card was supposed to be deactivated, making it impossible for any auto pay vendors to process it. 

I agree to pay the XXXX fee plus the interest to be done with it and then verified with them at the branch that it was paid in full and the account is closed. 

Today ( XX/XX/XXXX ) I received a call from a collection agency on behalf of BMO stating that we have an outstanding balance of {$460.00} due. 

This is ridiculous. I stopped by the branch again and asked them to waive the balance. They explained that the account is in fact closed, but I have to discuss the balance with the credit card company. I try calling the credit card company and it just ends the call. 

I am being run around in circles for accounts that we tried to close out almost two years ago. I am being punished on my credit report and with a collection agency because a BMO employee failed to do their job. I have made no purchases with these cards as they were shredded the same day we closed our accounts. We do not receive any paper statements in the mail from them because they will not update our new business mailing address and our online account with BMO is locked.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The company did not credit my account from the payment made from the dividends made off of my sercurities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The following inquiries from my credit report are one 's I don't recognize as they were not done by me. Please remove them. 

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 2023-07-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have made countless attempts to resolve this issue with Bank of America. I have explained to them that the account was created without my knowledge and consent and I demand for it to be removed.

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 2023-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
. See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc.
State: KS

Complaint narrative:
I received calls from Monarch Recovery. At first, I would receive a message for XXXX ( unknown last name ) trying to collect a debt. This occured last year. I would receive a message now and then. I decided to block the number. Can not recall the number. I started receiving a number from Monarch Recovery on this caller ID XXXX. It will just ring and no one would be on the other line or the line would disconnect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18 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: MO

Complaint narrative:
Request to list my only legal name and address and remove all other information being reported as it is inaccurate. Filed dispute with all 3 credit bureaus. 
Experian 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 explanation
Consumer complaint received 2023-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late.

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 2023-07-18 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 Reporting Act 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 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 that 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 2023-07-18 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted Chime about a refund I was supposed to receive from a company. I have several emails from said company stating I was due this refund. When it didnt come on XX/XX/XXXX, I called Chime to issue a chargeback on this because I absolutely needed the money back that day. 

XXXX XXXX XXXX, and that was the last day I was able to buy supplies for my biggest signing of the year. I provided Chime emails from the company stating I was due the refund. Not an hour after I sent it, I was informed by Chime that the proof I submitted wasnt good enough. I was now unable to attend my biggest signing, buy books and supplies for said signing, and am now out over {$1000.00} in lost income. I dont know who determines the outcome of this, but I also received an email saying that while I was not refunded initially, I should have been on XX/XX/XXXX, causing the lost income. 

On XX/XX/XXXX, while having an active spotme feature, I deposited XXXX into my account. Due to a system error admitted by Chime, the money I deposited became unavailable for me to use. I have had several supervisors admit this was a fault on chimes part, but no one wants to refund my money. I would like this money back that everyone admits is mine, but wont refund to me.

Company response to consumer: Closed with explanation