vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-06 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: PA

Complaint narrative:
I am writing this letter to dispute the following information on my credit report. I am writing to delete the following information on my credit file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make these charges to such accounts. I ask that these items that are inaccurate on all three reports be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity Theft affidavit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-06 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I paid off my XXXX XXXX  loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.

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 2023-08-06 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: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ Credit Acceptance Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, 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 2023-08-06 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: MI

Complaint narrative:
I inaccurately reporting my information not properly responding with full evidence of the investigation as requested breaking multiple laws in which I want to be compensated for if all inaccurate information isnt removed and they must show full step by step verification of the investigation that takes My full legal name is [ XXXX XXXX ]. My Social Security Number is [ XXXX ]. My date of birth is [ XX/XX/1978 ]. I am an individual and consumer as defined under 15 U.S.C. 1681a ( c ). This letter is a dispute of the completeness and/or accuracy of an item of information contained in the consumer file that you maintain about me, pursuant to the provisions of 15 U.S.C. 1681i.

The item of information below that you maintain in a consumer file about me and publish to third parties is inaccurate and/or incomplete and I request that you promptly delete it from the file : [ XXXX XXXX Account XXXX Pursuant to 15 U.S.C. 1681g ( a ), I request that you mail me a copy of the complete consumer file that you maintain concerning me after you act on this dispute. Note, the term file... means all of the information on [ me ] and retained by [ you ] regardless of how the information is stored. 15 U.S.C. 1681a ( g ). Therefore, it is unlawful to send me a partial disclosure and not the entire file.

If you verify or deem the item of information that I disputed above as accurate and complete, then I request a description of the procedure used to determine the accuracy or completeness of the information... including the business name and address of any furnisher contacted in connection with such information and the telephone number of such furnisher, pursuant to the provisions of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), in no later than fifteen ( 15 ) days after making such determination. See 15 U.S.C. 1681i ( a ) ( 7 ). I have enclosed proof of my identity and current mailing address. Please be advised, this dispute letter contains sufficient information for you to legally act on it. Any delay tactics or needless requests for information will not avoid your legal obligations to me. If you fail to comply, I will seek damages, costs, and attorneys fees.

See 15 U.S.C. 1681n-o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was attempting to apply for the Marriott Bonvoy Brilliant card from American Express on XX/XX/23. During my application it informed me that I would not be eligible for the sign up bonus. I reached out to American Express on XX/XX/23 to see what the problem was. They listed a number of things that " could '' be the problem but none of them seemed to apply to my situation. They informed me they have no way of knowing why a denial happens and it almost seems random to them. 

After speaking with American Express I thanked the representative for their time, assured them I did not hold them at fault for the policies of their company and mentioned I would be submitting a complaint to the NY AG based on what seemed to be a discriminatory policy. They seemed concerned and mentioned they could help me submit a complaint to American Express to have someone higher review it. After a minute or so on hold the line was disconnected. 

I will be submitting the complaint again in writing as there is now some concern on my end that the representative was not able to forward the details to a higher level as discussed. 

The lack of clear reason for approval or denial seems like a discriminatory practice. The XXXX may not specifically require this for a welcome offer but its spirit definitely implies any reason for denial of any product, service, or promotion by American Express should have clear and unambiguous rationale behind it to confirm the policy is not discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I have had a HELOC with Bank of Hawaii since XXXX of 2019 and they wont send neither my mortgage statements nor my end of the year mortgage interest statements for tax purposes. Its been almost 4 years of phone calls to their listed numbers and several in person visits to the XXXX and XXXX bank branches requesting my statements with no results so far I even switched delivery address at their request even though I get all of my mail to the previously provided po box with no issues. I even get Bank of Hawaii mail offers to enroll in Hospital Insurance and Change of Address notifications. I am attaching photos of the above mentioned documents to prove that Bank of Hawaii has the correct address. 
It makes no sense to me that they wont send me my HELOC statements but they send me other correspondence. 
I strongly believe Bank of Hawaii is not following Federal regulations regarding mortgage lending and its incurring in unfair lending practices that affect me as a consumer. 
In case you need to know, the last person I spoke to over the phone is XXXX XXXX and hes a supervisor for Bank of Hawaii. He told me to contact him at XXXX if I didnt get my statements in the mail by XX/XX/XXXX which I tried to do but the number he gave me is not a Bank of Hawaii number. 
Be advised that the account number given in the next step is my Bank of Hawaii checking account number since Bank of Hawaii wont provide me with any documentation related to my HELOC, I apologize for the inconvenience. 
Please help me with the above mentioned issue since Bank of Hawaii keeps giving me the runaround. Imagine that I dont even have any paperwork to provide proof that I have been fulfilling my part of the contract. I dont even have my HELOC number, payment history, remaining balance, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Self Financial Inc.
State: CA

Complaint narrative:
According to my credit report dated XX/XX/23, Self Financial Inc. has continued to leave negative marks on my credit report for an account that was originally current for over a year with no missed payments that i later closed as a an account that was current with no Miss payment more than a year. This conduct is in violation of the FDCPA, which prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt ( 1692e ), and from designing, compiling, and furnishing any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating ( 1692j ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 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: Nelnet, Inc.
State: NJ

Complaint narrative:
I have never entered into contract with this company and requested proof but never received. I need this information verified. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX. 
XXXX, {$1500.00}, XX/XX/XXXX. 
XXXX, {$6100.00}, XX/XX/XXXX. 
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : Nelnet Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX  discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly. 

My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on 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 2023-08-06 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: FL

Complaint narrative:
I am writing to formally file a complaint against Equifax concerning inaccuracies found within my credit report. On XX/XX/XXXX, I initiated contact with Equifax to address and rectify the erroneous information in question. However, as of the present date, I have yet to receive any communication or resolution from Equifax. Below are the details of the disputed accounts along with the requested corrections : Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$94.00} I am requesting Equifax to undertake a thorough verification of the accuracy of the XXXX XXXX account details. The reported balance of {$94.00} raises concerns, as it contradicts my understanding of the amount owed. Furthermore, the account status is indicated as closed and charged-off, rendering the inclusion of a Past Due amount inappropriate. I kindly ask Equifax to designate this account as disputed, allowing me to address the dispute with the creditor. Moreover, I request verification of the Date Opened, Date of Status, and First Reported for this account. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Equifax 's reporting on the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$860.00} ) is erroneous. The original creditor, XXXX XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Additionally, I have never entered into a contractual agreement with this company nor have I received any communication from them. The false information provided by Equifax regarding the balance, which exceeds my belief of the owed amount, prompts me to dispute the entirety of this account. I kindly request verification of the Date Opened and Date of First Delinquency. 


Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} The information presented for the XXXX XXXX XXXX account ( Date Opened : XX/XX/XXXX, Balance : {$780.00} ) is also inaccurate. The original creditor, XXXX XXXX XXXX XXXX, is distinct from the entity indicated by Equifax. Moreover, the reported balance exceeds my understanding of the owed amount, casting doubt on the accuracy of the provided information. Consequently, I dispute this account and seek verification of the Date Opened and Date of First Delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
To whom it may concern My name is XXXX XXXX XXXX on XX/XX/2021 I visited XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, Al XXXX. I visited the dealership in a bind and crunch to purchase a vehicle. I test drove a couple of cars and eventually was informed that I was financed for a brand new XXXX  XXXX XXXX XXXX  XXXX ( XXXX : XXXX ). I was rushed into the finance office and given a speed summary of the contract and finance company. As I would later come to find out after the cars transmission went out less than two weeks later. I had just signed a contract with Exeter Finance LLC at XXXX XXXX XXXX XXXX, Tx XXXXThe contract details really begin to come into reality for me that I had just signed away my life and have entered into a nightmare. The APR ( Annual Percentage rate ) is 28 %. Which first violates the Alabama law and code of Title 8 ( Commercial Law and Consumer Protection ). The Finance charge of {$22000.00} exceeds the amount of my car which is {$20000.00} to equal a total payment of {$42000.00} and a total sale prince including a down payment ( {$2200.00} ) of {$45000.00}. The contract was financed for a number of XXXX payments at XXXX Monthly with a late charge of {$18.00} or 5 % plus daily interest. I have since made a total of XXXX payments on the contract totaling ( {$9500.00} ) with XXXX extensions due to hardships ; and I still owe the original amount borrowed of {$20000.00}. on top of that the transmission has gone out twice. This loan is a prime example of predatory lending from subprime auto lenders that take advantage of every day citizens. It also violates multiple laws of the Alabama code and takes light of Alabama lawmakers It currently violates. Title 8 Chapter 8 ( interest and usury ) Section 8-8-1, Section 8-1-2, Section 8-8-12, section 8-8-10, section 8-8-5, Section 5-19-3, section 5-19-4 and many more. Exeter is very aware of the unconscionable interest rate as they have just settle lawsuit 's with the Attorney General of Massachusetts for the very same thing. And recovered of {$27.00} XXXX dollars and got the loans canceled and wiped off of the the consumers credit for the state. I know that Alabama sits in the same position to do the same thing for the consumers of Alabama. To show subprime auto lenders that seeks to take advantage of the Alabama consumer that we won't stand for it. I am seeking relief from this unconscionable, high interest rate, and usury contract under the laws of the Title 8 in Alabama Commercial Law and Consumer Protection. I have also emailed the contract to go along with this complaint. I am seeking the aid to get relief for myself as well as anyone else affected by this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My loan was transferred to NewRez, LLC aka Shellpoint.

For two months now Ive had to go thru their chat function to make my payment. Even though there is a grace period until the XXXX of the month, if you dont pay your mortgage before the XXXX you cant make a payment online. 

They havent made my home insurance payment yet. 

The reviews and complaints on this company are insane. I can not believe that no one has looked into them yet. I contacted the President via XXXX on XXXX advising him of such and begging him to look into this. I cant find out if theyve paid my home owners insurance. Theres no way to talk to them it seems except thru chat of which they want me to put personal information such as social, address, etc. 

I also have an open case with the XXXX XXXX XXXX. If you try to schedule your payment more than once it locks your account out for 24 hours. 

My XXXX  case is : XXXX Reviews and complaints from a XXXX search for reference : XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have bank account with bank of America and didn't receive the money that cfpb enforce bank of America to pay it to their customers.

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 2023-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Different people call from this number saying they are fifth third bank looking for XXXX XXXX. I have told them that its not his phone number. I've asked what do you want and they ask address, birthday, and once they feel I'm not telling the truth they end the call. I've told them to stop calling. I've told them, " take me off your call list ''. I've said how would they like it if I called them twice a day everyday. They just tell me to have a nice day. When I block the call they are still able to leave a VM message.

Company response to consumer: Closed with non-monetary relief