vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America needs to be audited for fraudulent business practices. I was charged interest for purchases that I should have not have been charged for, which is in violation of my card 's terms and agreements as outlined on my statement as follows : " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. '' Upon contacting Bank of America, the representative stated I was charged interest on XX/XX/XXXX for my purchases on XX/XX/XXXX and XX/XX/XXXX for {$3000.00} and {$13.00}, respectively. This is clearly in violation of the above terms of my credit card. 

My XX/XX/XXXX statement was for {$1200.00}. Between XXXX XXXX XXXX I made {$4400.00} in payments on my account towards the previous and new charges, though the initial {$1200.00} in payments should have been applied towards the {$1200.00} statement balance. However, on XX/XX/XXXX, I was charged {$24.00} in interest for purchases, the breakdown of balances on this statement also shows illegal business practices as Bank of America did not apply my payments towards the highest APR followed by the soonest promotional rate expiring, rather it appears they applied my payments towards the promotional rate expiring the farthest time period away, which is also not ethical.

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 2023-05-31 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: Advantage Credit, Inc.
State: OH

Complaint narrative:
Upon reviewing my recent credit report, I noticed an inquiry from XXXX XXXX XXXX on XX/XX/21, which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report.

If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history.

Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally.

I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: NC

Complaint narrative:
I have contacted XXXX, Equifax, & XXXX in writing and provided documentation that my mortgage with XXXX XXXX  was not late in early 2023. XXXX XXXX  had misapplied several payments as " principal only '' which lead to a delinquent status showing in XXXX or XX/XX/2023. This has since been corrected on their end, and the documentation has been provided to XXXX, Equifax, & XXXX. 

XXXX, Equifax, & XXXX is responding with form letters stating the account history has been updated but has failed to actually update the acct history. This is causing my family financial harm. 

We have had an unrelated account closed due to this inaccurate information which remains on my credit report and are continuing to suffer financial harm due to the impact this has on our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been paying for a private since 2007. I was enrolled in XXXX XXXX XXXX. XXXX fraudulently applied for this private loan. I have contacted Navient and they state this loan information is correct. I asked for original loan documents and they stated they do not have to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ

Complaint narrative:
I applied for a mortgage from Amerisave Mortgage Corporation on XX/XX/2022 and paid {$500.00} fee for getting a mortgage loan. Since I didn't find a suitable house, I requested a refund of my fees, and they denied my request.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: MD

Complaint narrative:
XXXX XXXX and Global Vlient Solutions scammed me into a credit repair service debt cancellation where I was told to not pay on my credit cards and they would negotiate a settlement. It worked for a few accounts but they never followed thru with a settlement offer from XXXX XXXX nor did the so called lawyer who was supposed to handle it prevent them from having a judgement and huge lien against me. My bank account has been over {$13000.00} in the hole because of this and my credit is ruined. Since they can no longer get money from me, because of the judgment against me that they caused, XXXX XXXX is unwilling to do anything to help rectify this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: FL

Complaint narrative:
I wish to have the following inquires removed from all three credit bureas as I am a victim of identity theft. 

XXXX XXXX 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 2023-05-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I, XXXX XXXX am a victim of identity theft and effected by the Equifax data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act XXXX  account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-05-31 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: CA

Complaint narrative:
I, XXXX XXXX am a victim of identity theft and effected by the XXXX data breach was checking my credit report and noticed unauthorized accounts and inquiries. 

I have enclosed my screenshots of some of the inaccuracies on my credit report and according to the FCRA my credit report must be 100 % accurate. 

In accordance with the fair reporting act convergent account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was credit check for capital one card which I did not apply for.. but the applicant lives in XXXX  which XXXX have never lived in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I have a line of credit on PayPal. I was unaware that they would hit my bank account and credit card as my preferred payment for online shopping causing XXXX overdraft fees and a negative balance on my PayPal account which I don't understand how that works. I tried calling multiple times to dispute them using my bank account instead of the line of credit for online purchases and couldn't get any answers or have them refund me the overdraft fees they caused. I tried to access their community forum and was rejected access to that to see if someone could help me understand the negative balance. I removed my credit card and debit card from their access. They're charging me increased late fees from {$30.00} to {$41.00}. I tried to change my payment due date online but the request was denied so I called them to change it which was done for the following month. I feel like I'm in a quagmire of fees, interest and deceptive practices by PayPal to get more and more money from me.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist Bank on XX/XX/XXXX. The next day a letter was issued saying the account had been closed but arrived on XX/XX/XXXX. On XX/XX/XXXX, I was told I needed to go to the bank and bring my ID to finalize the account I started online. I did that and when I called customer service was told there was another issue. After numerous phone calls to no avail, I went in person in early XXXX to see what was going on with my account after receiving the letter dated XX/XX/XXXX. I spoke with a banker who informed me the account was closed and I would receive a check for the amount I had already deposited. I still continued to receive emails from Truist as though I had an active account. I called in XXXX timeframe to ask again where my check was and why the company continued to send me emails like I am a current customer. The agent I spoke with told me the account was shut down and she would make sure a check was issued. Today, XX/XX/XXXX, I got a call saying that my account ( which again, is supposed to be closed and funds returned ) is in the negative and has been for XXXX  days. Since XXXX I have been completely locked out of the online banking and have not been able to see what fees have been taken from the 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 2023-05-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have filed a police report which is attached as well as submitted a complaint with the FTC about the fraudulet accounts.

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 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I have been sending money with Wells Fargo through XXXX for several years to the same person. I sent the following amounts from my acct at Wells Fargo to my Fiance 's account at Wells Fargo. XXXX {$1000.00}, XXXX {$1000.00}, XXXX {$2000.00}, XXXX {$2000.00} These funds went to another bank and an identified person. Again, I send funds to her every month with no issues until this past XXXX. I made no changes to the XXXX account at any time. I called Wells to file a claim on XXXX. I received no confirmation, so I called again on XXXX and they stated a claim wasn't not logged on my previous call. So I made a new claim on XXXX. They denied my claim. I called their Complaint Dept on XXXX and was told I would receive a call back in 48 hours. I did not receive a call until XXXX. XXXX states XXXX is not their product and they do not back the transfers. I am a 100 % XXXX veteran and have been XXXX  6 times since XXXX and my XXXX affects my XXXX abilities. This {$6000.00} is my mortgage money. Wells states they have nothing to do with XXXX and it is not their product. Yet it is advertised and promoted through Wells. I feel this is not right to promote a product they do not back. All previous transfers went correctly until XXXX and they can not tell me what went wrong or who made a change to my zelle transfers. Wells is taking no responsibility nor can they give me a number to XXXX so I can research myself. {$6000.00} is nothing to Wells, but it is affecting my ability to live. Bottom line, Wells is stating you use XXXX at your own risk. I also asked for contact information for XXXX XXXX CEO, but they could not provide that information. I have been a customer for 21 years and feel I deserve a better explanation and some help.

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 2023-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
This car was repossessed in XXXX... This finance company still has it open on my credit report for the full amount as well as late payments for every month since 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 2023-05-31 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: PA

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX XXXX, Transunion breach, XXXX XXXX and the XXXX market, I need these 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 non-monetary relief
Consumer complaint received 2023-05-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the Equifax breach, XXXX XXXX, XXXX XXXX and the XXXX market, I need these to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS XX/XX/2022 {$430.00} All I wanted is that this of my credit report and boost my credit that it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: I.C. System, Inc.
State: TX

Complaint narrative:
IC System keeps putting a collection on my credit report. I have a letter from them dated XX/XX/2021 stating that they will remove item from credit report AND it will NOT be re-reported to the credit reporting agencies by IC System XXXX Inc. Since I have received the letter the fraudulent debt has be sold to countless agencies that report the same fraudulent debt. It is not mine, does not belong to me and I want it removed from my report and made to NEVER resurface again. Enough is Enough. I have attached the letter from IC System.

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 2023-05-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Magnum Association Services
State: GA

Complaint narrative:
I moved into my home XX/XX/XXXX First HOA due in XXXX I thought the insurance paid that ( first time homeowner ) I was not working due to COVID I did reach out to the HOA to discuss It was sent to collections XX/XX/XXXX I paid XXXX XX/XX/XXXX I paid XXXX They applied my money to something else and state I still owe XXXX I want this deleted from my credit report and the correct payments applied correctly. XXXX should be XXXX

Company response to consumer: Closed with explanation