vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XXXX of XXXX, I ordered an island for my cabinet at Home Depot. They had a promotion for 24 months with zero interest. I decided to take the promotion. I have made all of my minimum payments on time and never missed any payments. I recently noticed that all of a sudden the remaining balance ( which I was planning on paying off fully ) has increased. 
My payments were on automatic payment. So I didn't login to my account every single time to make a payment. 

In XXXX of XXXX my promotion ended. And since Home Depot doesn't send any notification about the promotion ending I did not realized that until my next billing cycle. After I realized my balance have increased. I logged into my account and come to find out that there was a deferred interest of {$1300.00} applied to my balance. Since at the time of opening the account there was no information communicated about deferred interest that kicks in after the XXXX time is up. Considering the purchase this deferred interest is not insignificant. and since Home Depot doesn't communicate that the promotion is ending and we will charge a deferred interest if you have your payment on auto payment you can easily miss that. 

I believe this is completely intentional from the side of the company to catch people missing their deadline and getting charged for the entire periods ' balance plus the interest. All of this makes me think that I am ill advised at the time of purchase and I am being betrayed by this company. 

When I called the company on XX/XX/XXXX, they told me that the grace period is over, even though I offered to pay my balance right away ( which I have already ). But given that they don't send any communication to the card holder regarding deferred interest and the grace period ending, I find it extremely dishonest. 

I believe this is creating a precedent for others who also have been or will be in the same situation and either because the balance was small or they didn't know how to solve this situation, they ended up paying into this scam. I believe Home Depot needs to be forced to send their customers clear communication when any promotional rate is ending or if there is going to be a deferred interest being charged. I know as a consumer I have a right and a representative, that's why I am writing you. 

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 monetary relief
Consumer complaint received 2023-06-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have informed this company numerous times of the erroneous errors on my credit report through multiple forms of communication. There has been nothing done to fix these issues. My complaints and disputes are being ignored. Please see attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 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: GA

Complaint narrative:
I did not authorize any of the listed inquiries

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 2023-06-08 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: AR

Complaint narrative:
I paid off my XXXX XXXX line of credit account by a settlement amount offered to me by XXXX XXXX on XX/XX/2023 in the amount of {$240.00}. it was paid in time with the time limit they offered me. Payment was made through XXXX XXXX XXXX XXXX. I received a letter in the mail from XXXX saying my account was paid and resolved and I still have a copy of the letter. On my credit report the account shows being paid and closed. My credit score has not been updated and when I dispute this with the credit union, they say the information they have is accurate and that's not correct. I have disputed this two times now and get the same answer.

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 2023-06-08 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: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2023-06-08 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: TX

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it.

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 2023-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX this year ( 2023 ), I have deposited {$60000.00} into my Apple XXXX account at Goldman Sachs. Then on XX/XX/XXXX I tried to withdraw {$50000.00} to complete the purchase of a new automobile. GS has declined my request three times, and I have been on the phone with them seven times so far. I get numerous explanations, but at least four times I was told the money would be returned to the source account, but it never has. I am at my wits end with them and don't know where to turn. Meanwhile, I had to borrow money to complete the purchase of the new vehicle. Thanking you in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: TX

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
A Bank of America regulator called me about my complaint before I left our Florida home in XXXX. Although we spoke at length the bank does not see Nexus, which is higher clearance than even a passport between XXXX and the United States, as a piece of ID available for bank identification. I asked the regulator, how do you think I got into the USA? I said not with my passport but with my Nexus! The regulator said that they would research the trusted traveller site to understand the Nexus, and other ID used by the United States and XXXX. https : //ttp.dhs.gov/ Has this resolved my issue? Not at all! A feeble suggestion to look at the Nexus as a valid piece of ID will do nothing for me banking next time I am at Bank of America. I do not travel with two very valuable pieces of ID as it is redundant. I also had my purse stolen previously and therefore have a concern for the safety of these items. The Nexus ID allows for much more opportunities when crossing the border and at airports without long delays. It is the ultimate ID and already has my passport attached to it and required me to go through much more clearance and interviewing to attain it than the passport. 
This is an ongoing unresolved discriminatory issue between Bank of America and me, and actually the trusted traveller Nexus ID program, which is but one of high security ID available, if they were to review the site. ( TSA pre-check, Global EntryXXXX Nexus, Sentri and Fast ) I suspect they just dont wish to add one more thing into their system for their tellers as valid ID! At the moment there is not this delineation available. There is, however, another discriminatory piece that tellers must not accept valid XXXX drivers licenses with our photos either! 
Thank you for your assistance with this matter. Somehow I am not surprised Bank of America neglected to respond to XXXX as I saw their customer service complaints through XXXX and it is not good! I may just switch banks but I also worry other banks are also not up to speed with what are truly secure ID in the 21st century.

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 2023-06-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize any of the listed inquiries

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 2023-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
Recently I submitted a complaint with you on Mercedes Benz, by an error on my behalf I submitted the wrong Company name as to who my case was sold to by Mercedes, it was XXXX XXXX instead of another Mentioned name. After writing XXXX XXXX and telling them I would sue, because I didn't have an account with them, Mercedes picked the account back up. I want to stay in compliance and report accurate information. Somehow my paperwork was in the wrong file. I am resubmitting for proper documentation. Along with that, I'm submitting another Negotiable instrument sent to Mercedes because they said I still owed a balance of {$4100.00} which a different amount is reporting on my credit report of {$4100.00}. I am attaching the instruments again used to set off the debt with Mercedes, because after reporting this account to cfpb, Mercedes again hit my credit report with a delinquency reporting late charges that dropped my credit score XXXX points. The negotiable instruments were received by Mercedes and never sent back, and according to the negotiable instrument Act of 1881 USC 1 304a 1-2 It is payable on demand, and the Bill of Exchange Act Part 1-2. Unicentral Convention, Article 3 knowing that the instrument was received, and responded to that it becomes payable at site by registered mail. Mercedes and its affiliates have humiliated me and has damaged my character by the actions given. They repossessed my car in the middle of the night when it was my only means of transportation, and I had nothing to drive, nor a home. As till this day I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: LA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 a XXXX  account was set up in my name with an incorrect information. I was hospitalized on XX/XX/2021 for XXXX and stayed for a month .When I was discharged I had to be away from people for 2 weeks. I Contacted the first collection agency when I received the letter and was told that I would receive a fraud packet and that it will not be reported on my credit file. I never received a fraud packet instead I received a letter telling me that they no longer had the collection in there office and that the collection had been sold to another agency. A few months past and then I see a collection on my credit file from Amsher Collection agency phone number XXXX it is based out of Alabama. They never sent me a letter or anything .I called spoke to representative who basically called me a liar was rude condescending and ultimately had to speak to her manager who told me to fill out a fraud packet on the XXXX website and stated that she would freeze the collection until the fraud investigation was complete. About a week later my credit file was updated with a higher balance owed from XXXX to XXXX and its submitted as delinquent. I called back and spoke to the same individuals rude, giggling and completely unprofessional. And I asked for a letter from there agency that they sent me notifying me of the debt and was told they mailed it to an address on file that I am unfamiliar with. Please help me with this. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TN

Complaint narrative:
This debt was already resolved and removed off my credit report I do not owe this debt by law they are harassing me this company every month they are keep trying to collect the debt and it was resolved and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: GA

Complaint narrative:
Since XX/XX/XXXX I have repeatedly received aggressive phone calls from Avante USA XXXX claiming that I have an outstanding balance with their creditor/parent company XXXX XXXXl XXXX with in the amount of {$140.00} and another in the amount of {$200.00}! For an emergency room visit at XXXX XXXX XXXX, Florida that dates back XX/XX/XXXX! A visit in which all balances were covered by my medical insurance and the copay on my end was also paid in the full amount. As a result I have no balance or lingering accounts within either systems of XXXX XXXX XXXX XXXX XXXX or the XXXX XXXX billing of XXXX XXXX XXXX, when I called and spoke to representatives on both sides, they had no record of an outstanding balance on file. So, for me to get a badgering call from Avante USA XXXX for a visit that occurred almost 2 years ago that was fully paid is clearly fraudulent and misleading. The validity of documentation of this balance in XXXX is highly suspicious as well! I completely dispute their efforts for collection for an XXXX  visit that was already paid for in which, I didnt even see one of the physicians that they claim Im my balance within Avantes file. I never received any notice, phone call, or communication of any other balances relating to this XXXX  visit and I would like for the account to be closed and dissolved as it is simply false nor can they provide me any legitimate verification or legitimate proof for the existence of any balance with XXXX XXXX XXXX to begin with! There are clearly a lot of instances nationwide with people fighting against being taken advantage of by Avante USA XXXX and affiliate XXXX XXXX XXXX! To top it off I dont even live in the state in which this claimed debt is owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: AL

Complaint narrative:
After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, Equifax and XXXX to remove public information from my personal credit file effective immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After doing some research on my credit reports I notice incorrect information listed on my credit file which should not be included on my credit file. My XXXX account which comes directly from public records shows no open public accounts therefore XXXX XXXX is reporting incorrect information and this information is being used on my credit file which is totally unacceptable and illegal. 

I am requesting for all XXXX credit bureaus XXXX, XXXX and Experian to remove public information from my personal credit file effective immediately.

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 2023-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I closely monitor my credit scores. I have seen over years that my score on Expierian is XXXX to XXXX points below XXXX and XXXX. 

Experian promotes using their XXXX program to improve your score. This program uses access to non-credit accounts including XXXX, checking and savings to give Experian a more complete picture of a persons financial health. It is voluntary and free. However I do believe there is coercion involved from Experian to encourage using the program. 

Several years ago prior to buying a new home, I engaged XXXX and found that over a couple of months my Experian score was reporting the same XXXX to XXXX range and the other agencies. After I completed my home purchase I disengaged XXXX and my Experian score dropped back to the high XXXX to XXXX range where is has remained. 

My credit has zero late payments, low to moderate credit usage and a low percent of available credit used. Basically my credit history is perfect. 

I assert that Experian has a practice of artificially lowering a credit score to coerce a client to provide data to which Experian has no business seeing. They have designed their score algorithm to punish consumers who do not volunteer the added data. 

If my assertion is correct, the program should be shutdown. I would like to see it investigated.

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 2023-06-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: MS

Complaint narrative:
On XX/XX/2023 I called to pay my account overdraft XXXX I was only able to pay XXXX and agreed I would pay the remaining XXXX so that I can put in a deferment for 2 months as I am currently on XXXX XXXX  They told me yes after the payment I can submit the deferment now they saying I owe XXXX I would like them to keep up there end of the deal as the call was recorded and I can not give any extra currently.

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