vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Amount Deducted from account {$75000.00} USD Transfer Fees {$45.00} USD Other Fees* {$30.00} USD Total to Recipient {$75000.00} USD in international account. 
There is no currency conversion as transfer was USD to USD The " other fees '' of {$30.00} is not expected nor informed. Is being added at time of transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
XXXX equifax and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: IL

Complaint narrative:
experian XXXX and XXXX has violated my consumer rights by furnishing unverified accounts this account is the result of identity theft DELETE XXXX XXXX XXXX  Original creditor : XXXX XXXX DELETE ALL NON ACCOUNT HOLDING INQUIRIES ALL INQUIRIES ARE FRAUD FTC REPORT ATTACHED & ID

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: AL

Complaint narrative:
I have been trying to get in contact with Pave Credit regarding my existing installment loan. However, no one is returning my phone calls. Also I am very disturbed by the interest that has compounded on this loan I only borrow {$600.00} but now I owe {$1600.00}. XXXX, My concern is that this loan that I really needed at that time could possibly be imposing illegal fees and interest and maybe fraud being that I now owe them XXXX dollars but I only borrowed 400-600 from this company. 
Ive been making steady payments up until about three weeks ago. Where is my checking account was compromised so as to notify them that I need to set up another pay method, they failed to return all phone calls/emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: LA

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.

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 inructions 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 explanation
Consumer complaint received 2023-07-29 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I was trying to buy a home, and I realized I have damages on my credit report. According to the 15 U.S.C 1681 Law, there should not be any damages on my credit report. It is a defamation to my character.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: GA

Complaint narrative:
Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: GA

Complaint narrative:
EQUIFAX is mandated by the FCRA to report accurate accounting. Consumer advised that two accounts reporting were fraud. Equifax had four days according to federal law to remove those items in which they did after FTC report was filed, but they did not notify consumer of investigation results. They deleted the confirmation number used to identify the dispute which is suppose to remain on record within the portal. The items were investigated deleted and blocked on XX/XX/XXXX. Another dispute was initiated for separate accounts and EQUIFAX mistakenly placed the previously deleted items back on the report with no explanation as to why. Since then consumer has not been able to view updated report, security freeze and fraud alert status nor credit score although the free membership that Equifax offers as well as the FCRA and consumer being affected by XXXX Equifax Data Breech guarantees the viewing of this information. Consumer was told it was just a glitch in the system for 7 months this has been going on. Consumer sent several letters requesting EQUIFAX to provide the documentation used to determine the accuracy of those two account and authorization of the accounts made by consumer. EQUIFAX had 15 days to provide the consumer with the name of the person spoken to, documentation used, signed application with consumer and wet ink signature. Last representative told consumer EQUIFAX can not remove disputed auto loans based off of an FTC report, which is another violation of federal law. Consumer clearly stated in letters that they are not asking for an E-OSCAR report. They specifically informed EQUIFAX that do not consent to E-OSCAR NOR ADVS FORMS OF ELECTRONIC VERIFICATION AND REQUEST EQUIFAX TO COMPLETE THEIR OWN INDEPENDENT INVESTIGATION AS ALLOWED BY LAW FOR CONSUMER TO REQUEST. EQUIFAX has falsely placed inaccurate, false and fraudulent information back onto consumers report with out any documentary proof to show consumers ownership of those two accounts. Because of this EQUIFAX is obligated by law to remove it immediately. EQUIFAX is liable under the SEC to follow certain rules and regulations. EQUIFAX Commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NoRth Carolina XXXX. Consumer will be filing form 211 treasury OMB forms to auDit consumers account. EQUIFAX is securitizing my data yet refuses to provide consumer with a copy of their CONSUMER FILE DISCLOSURE UPDATED NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
This person promised to send me money if i helped them out. They guaranteed that if i sent them money they would send me back an amount of money. And they blocked me and scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Hello XXXX, My monthly payment under IDR before COVID administrative forbearance was {$1600.00} per IDR certification done in XX/XX/XXXX. I have attached the documents/screenshots to support that. However, my current monthly bill of {$2000.00} due after the forbearance is over is based on income re-certification done during COVID forbearance. Therefore, I would like to request that my current IDR plan be deactivated to pre-COVID IDR payment amount and that amount to be continued till when next re-certification is due which would be XX/XX/XXXX, last re-certification being done in XX/XX/XXXX. Thank you for your attention on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: SC

Complaint narrative:
World Omni Auto XXXX LLC depositor and Southeast Toyota Finance  d/b/a World Omni Finance received a security on or around XX/XX/XXXX. Securities fraud is taken place. I dont authorize any company to withhold my securities. They are violating the securities exchange act of 1933 that XXXX XXXX XXXX Assistant Treasurer says the company is in honor of. They are also violating the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 I received a Denial letter from Navy Federal informing me that I was denied my refinance based on " Property use does not meet occupancy requirements ''. I am requesting a further Investigation on this matter due to a conversation that I had with my loan officer. When I requested a change of person to take care of my loan, I got some resistance. I feel my documents & evidence were not fully disclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I disputed this XXXX XXXX XXXX  account number XXXX on XX/XX/ The credit report of ( Credit Reporting Company ) shows these items were deleted from my credit file, Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA S 611, Procedure in case of disputed accuracy ( 15 U.S.C. 16811 ], Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuantto subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( a ), consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinserted date. ( I ) a statement that the disputed information has been reinserted ( 11 ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy-or completeness of the disouted information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action Your agency may avoid such action by immediately deleting this listing from 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 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I received an IKEA Projekt credit card from Comenity Bank  in XX/XX/XXXX. I ended up on 3 different promotional plans. One to expire XX/XX/XXXX. I made regular monthly payments of {$500.00} beginning in XXXX. In XXXX, I noticed a {$680.00} balance from the original amount of {$880.00} due on this " promotional plan. '' I called on XX/XX/XXXX to ask for the XXXX payment of {$500.00} to be allocated toward the remaining total. The representative stated the most she could allocate was {$190.00}. This was subtracted from my account on XX/XX/XXXX, and then added again on XX/XX/XXXX. My XXXX stated that my new balance was {$380.00}. See cut and paste from the bill below : PURCHASES & CHARGES XXXX PAYMENTS & CREDITS XXXX A {$190.00} CHARGE was ADDED to the XX/XX/XXXX promotional plan even though that was not reflected of new purchases. I called in XXXX. I made a {$500.00} payment, and an additional {$150.00} payment, per the advice I received. I called on XX/XX/XXXX. The remaining balance was the {$190.00} that I should not have had to pay at all, due to the fault in their allocation system. But because I wanted to avoid an interest payment or credit penalty in just a few weeks, I paid an additional {$390.00} on XX/XX/XXXX and {$500.00} on XX/XX/XXXX. All of these payments SHOULD have resulted in the XX/XX/XXXX payment being paid off as of XXXX, but instead I ended up with a {$2.00} interest charge for XXXX and XXXX, and that amount was outstanding on my bill. During a XX/XX/XXXX call, when I wanted to receive absolute assurance the account was paid off ( which I received ), I asked for an investigation. XXXX, the supervisor gave me a case number : XXXX XXXX XXXX. I made another regular {$500.00} payment on XX/XX/XXXX. I still had the {$2.00} fee on my XXXX bill. I called on XX/XX/XXXX, and received a {$4.00} credit for the interest charge and I was informed the {$2.00} charge was removed. I was also assured my credit was not affected. I was also told she would launch an investigation- but I was told that XXXX misinformed me, and no such investigation was launched XX/XX/XXXX as promised. *** The minimum payment due changed on each statement. But it ranged between {$230.00} to {$290.00}. I was always paying {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have three credit cards ( XXXX 's, XXXX, XXXX XXXXt ) which are all issued through SYNCHRONY BANK. When I receive a bill from these companies, the payment is made to SYNCHRONY BANK. I have had these accounts for several years, and have always paid on time ( we HAD excellent credit ). I have been receiving paper bills in the mail, I do not pay electronically. In XX/XX/2023, I received all three bills in the mail, and paid the balance, or the amounts due. I did not receive a bill in XXXX, XXXX, or XXXX on any of these three accounts. 
In late XXXX I received emails stating that all three accounts had been closed for non-payment, with months of interest and penalties added. I called to resolve the issue with each SYNCHRONY account, and was told that I must have asked for electronic billing. I did not ever request electronic billing, and there was no billing sent to me ( I checked spam and trash ). I asked for paper copies of each bill, for each month, from each card. When I received the copies, I noticed my XXXX, XXXX and XXXX statements had been sent to an address in OKLAHOMA! ( I never lived in OKLAHOMA and live on the west coast! ) I filed a complaint on each account and they denied it. SYCHRONY BANK will not admit that THEY screwed up. I am trying to repair my XXXX XXXX - and cancelled all accounts with SYNCHRONY BANK! They will LIE to your FACE!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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:
Im asking that these accounts be removed at the earliest convenience because they are weighing in on me getting new lines of credit. These accounts are all closed in good standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPARTMENT OF ED , U S DEPARTMENT OF ED .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
incorrect information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
incorrect information 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 explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have been XXXX  since around XXXX and did not get out until XX/XX/XXXX This debt was not on my credit report when I went on to see how my credit looked. 
all of a sudden this debt showed up on my credit report. 
I have found that my last name has been changed, addresses that don't belong to me on my credit report and now this debt showed up within the last couple of months but never gave me the chance to state it was my debt by notifying me within thirty days just showed up on my credit report. 
when I disputed it and they say it was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This has been going on everyday for the past few months. Comenity Bank has been calling me everyday and now multiple calls in one day. I dont owe comentity bank anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29 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: Credit Control, LLC
State: NY

Complaint narrative:
Went on my financial institution credit report in found a fraud account opened and reported outstanding balance of {$2200.00}. Called the company listed CREDIT CONTROL LLC and was told they can not look me up with out giving them my XXXX and SSN # Research online shows that it is scam. I be this is either a scam or fraud.

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