vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
As of XX/XX/year>, I paid the balance of the loan in FULL. 


Reporting to my credit report as a REPOSSESSION AND CLOSED ACCOUNT. 

As of XX/XX/year> this credit is reporting a balance of $ XXXX, which is false. 

I submitted a disputed directly to the creditor stating the balance reported was incorrect... 

This fraudulent company responded stating the information on my credit report was being reported ACCURATE as of XX/XX/XXXX XXXX which is false. I called spoked to a XXXX XXXX, who was rude and condescending stating the car loan won't be reported as paid off for 60 to 90 days. XXXX also noted they update the balances between the XXXX and XXXX of each month. 

The last time my credit report was updated was XX/XX/year>, where the balance was $ XXXX, closed, and a repossession. I have possession of the vehicle and paid it off IN FULL. Please see payment history paid off letter etc attached. 

Per the FCRA, this is not only not accurate it is also illegal shut this company down, I am certain they are defrauding millions from working class citizens. 

Update account to GOOD STANDING AND PAID IN FULL... I do not owe {$5200.00} nor is the vehicle repossessed or is the account closed.

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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I had received a fraud alert from XXXX XXXX. I attempted to call and clear the matter up. I was told my date of birth did not match their records. I filed a complaint through the XXXX about this issue and XXXX XXXX sent a letter to them that there was no fraud found and that they set up a new account on my behalf. They did not call me or send any written correspondence before making this claim.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to lodge a formal complaint against Bank of America regarding their failure to provide me with a physical address to submit my opt-out notice from sharing my personal non-public information with non-affiliates, as stipulated by the U.S. Privacy Act. 

On XXXX, I spent over two hours on the phone with Bank of America 's customer service. During this time, I was repeatedly given the run-around and transferred 20 times. Despite my persistent efforts, I was not provided with a physical address to submit my opt-out notice. At the end of this frustrating ordeal, I was informed that they do not have an actual address for this purpose, which is both unacceptable and in violation of my rights under the U.S. Privacy Act. 

This lack of transparency and cooperation from Bank of America is deeply concerning and has caused me significant frustration and inconvenience.

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 2024-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/year>, around XXXX, I was trying to make a payment from my BMO checking to pay BMO Heloc account in the amount of {$62.00} online. There was an error, so I re-did again and I saw a note that " we've hit a road block, please contact our Real Estate Loan Servicing team for assistance at ( XXXX ) XXXX and report error code XXXX. I basically did total of 3 attempts before I called customer service for help. Customer Service team transferred me to their tech support team and tech support told me that they couldn't recognize this error message. Tech support team said, I need to go back to talk to customer service team again and they are the one who can assist with my issue. I got transferred back to customer service again and she told me just go to the near BMO branch to pay my bill or mail out the check. Do you know I don't know this? I told her that I can " go to the bank nor mail out the check. ( There's no branch office in my area and I didn't want to take a chance by mailing out the check which can take too long or mail can be lost ) Representative said she can't do anything to help me. I asked if there's any other options or dept who can help, she said no. I was extremely upset and disappointed by the customer representative 's reaction, response, and attitude, instead of being sorry and sincere, the customer representative was rude and unprofessional! I just hate BMO online banking services. Since Bank of the West got merged with BMO, everything has been not working properly. It's not like Bank of the West was good either, however BMO is the worst bank which, I have work with. BAD online service ( very difficult and complicated to use it ) and BAD customer service!!!!!!!

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 2024-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
In my initial complaint about this company, trs recovery services, I stated I never want this company to call me again OR mail me anything ever again and ONLY email me. I even emailed them stating the same thing and then they continue to mail me documents. This is now harassment. TRS is known for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning

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 2024-06-17 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: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 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: RI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Thursday XX/XX/year> I made a cash deposit into one of their branches ATM of XXXX dollars cash and the ATM screen stated they can not process the transaction and could not return my money! When I called customer service they said it takes 10 business days for the dispute and would not put the money in my account until it was investigated! That is unsat and has never happened to me at any other institution and thats my rent and bill money. This is totally unsatisfactory. Do not use PNC Bank. They will take your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: TX

Complaint narrative:
I am using my report to challenge and investigate these wrongly reported accounts on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each incorrect report on my credit file. I understand that FCRA XXXX mandates reporting any incorrect accounts appearing on a consumer 's 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 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2024-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-06-17 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
A hard inquiry from XXXX XXXX was added to my TransUnion credit report. I have never used nor reached out to XXXX XXXX, nor do I have any affiliation with them. The inquiry was made on XX/XX/year>.

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 2024-06-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
Collection company reached out few mi ths ago and told me about this debt. I told them that I had XXXX XXXX and insurance so why I'm getting g billed. I did not get any notification of anything owed. I also reached out to my insurance company and they are saying no one reached our to them to pay. I provided my insurance company information to collection company. Now no information no reach out. They report to my credit report and hurt my credit I called them they are saying they don't have any information no statements no contracts no bills. Just that I owe XXXX dollars. I asked repeatedly to validate the debt. They say no. They could offer a discount. And me to pay this bill. Repeated calls over the whole day XXXX to 5 times a day. Please remove everything from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 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: GA

Complaint narrative:
On XX/XX/year>, I requested XXXX, XXXX, and Equifax to update my personal information on my credit profile. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I received an email the same day chime closed my account and kept my money. That was XX/XX/2024. I called and they wouldnt give me a reason they closed my account and told me I couldnt have my money. It wasnt much it was {$67.00} but they kept it with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I filed a CFPB complaint against Lexis Nexis and they aren't responding to the complaint but sending me stall emails stating they need additional information a copy of my ID, Social, and bank statement. I already mail all that with my letter and stapled it together. so this time i will attach all that information to the complaint where they can no longer stall. 

my name is XXXX XXXX my XXXX is XXXX my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX my XXXX XXXX XX/XX/XXXX my email is XXXX my phone number is ( XXXX ) XXXX Now to continue to the complaint. 
I received an email from my paid credit monitor service that a bankruptcy was reported on all XXXX credit bureaus. so I called each bureau and ask them who reported this information. everyone lied to me and told me the court reported it. So I sent a letter to court asking them why did they report this to XXXX, XXXX and XXXX. The court mailed me a letter stating that they will never report any information to any of the credit bureaus or any XXXX parties nor has business with any of them. 

So I mailed a certified letter and priority letter to each credit bureau also to Lexis Nexis, XXXX XXXX XXXX, and XXXX XXXX XXXX. along with that dispute was an attachment of copies of my social, ID and proof of address along with the copy of the letter the court mail me stating they don't report to none of them nor has business with any of them. 

The dispute letter was me Demanding for the bankruptcy to be deleted immediately. It has now been over 30 day and i haven't received any response in the mail. But on my paid credit monitoring service it shows my investigation is completed and verified as accurate. 

The listed companies above is in clear violation. And someone is not doing there job.

This is a violation with the Privacy Act of 1974 This is a violation with the FCRA This is a violation with FCRA 611 ( 15 USC 1681i ) This is a violation with FCRA 623 ( a ) ( 5 ) This is a violation with 15 USC 1681a ( e ) This is a violation with 15 USC 1681b ( a ) ( 2 ) This is a violation with 15 USC 1681c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against Comenity Bank concerning their handling of my Victorias Secret credit card account. I have encountered numerous issues with their practices, with the most recent incident prompting me to seek your intervention. 

On XX/XX/XXXX, I made a payment toward my Victorias Secret credit card at XXXX XXXX unaware that the cutoff time for payments was XXXXXXXX XXXX I had assumed, as with many other credit card companies, that payments made by XXXXXXXX XXXX EST would be considered on time. As a result of my XXXX delay, I was charged a {$35.00} late fee. 

I immediately contacted Comenity Banks customer service to request a waiver of this fee, considering my consistent payment history over the past two and a half years. Despite explaining the minimal delay and my regular payments, the representative refused to remove the fee. This decision is particularly frustrating given that I have made every effort to manage my account responsibly, often paying more than the minimum required amount. This year alone, my payments have consistently been {$70.00} each month.

Moreover, I have attempted to negotiate with Comenity Bank on two separate occasions to settle my balance in full. I requested the removal of one or two late fees as a condition for paying off my balance entirely, thus preventing any further fees from accruing. Unfortunately, Comenity Bank refused to accommodate this reasonable request, demonstrating an unwillingness to assist a long-standing customer in good faith. 

The imposition of this late fee, coupled with the refusal to waive it, seems unfair and unreasonable, especially in light of my XXXX delay. It feels punitive and neglects the positive payment history I have maintained. Additionally, despite my consistent payments, my balance remains disproportionately high, suggesting potential errors or discrepancies in my account that need investigation. 

I request the Consumer Financial Protection Bureaus assistance in addressing this matter. Specifically, I ask for an investigation into Comenity Banks practices regarding payment cutoffs and fee impositions to ensure that customers are treated fairly and transparently. Moreover, I seek a thorough review of my account to identify any discrepancies contributing to my persistent balance. 

Thank you for your attention to this matter. I look forward to your intervention and assistance in resolving these

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-17 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: LA

Complaint narrative:
I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.

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 2024-06-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with a check written from your prepaid card account
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
This check was issued to me through XXXX XXXX, it was for a {$500.00} refund for a gift card I purchase this check was stolen and cashed by a third party, while it was THIRD PARTY ENDORSEMENT IS PROHIBITED same first national bank of Omaha cleared the check with number XXXX, you cant break your own rule, this check was cleared by a certain XXXX XXXX XXXX a copy attached, this check was found on XXXX XXXX weeks later, all attempts to get my money has proved abortive, I WILL NOT BE RESPONSIBLE FOR A LOST OR STOLEN CHECK, I WANT MY {$500.00} check

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