vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: AE

Complaint narrative:
Wise ( Formerly known as Transferwise ) is falsely advertising instant transactions. 

On Saturday XX/XX/2023 I initiated a transfer expecting it to complete within 30 minutes. The app told me only after initiating the transfer that the money would not arrive for two days until Monday. 

Well I needed the money to be transferred immediately, so I canceled the transfer only to receive a message later on saying I would be refunded in four days. 

If for some reason the WISE app can't make the transfer instant then they should make WISE unavailable until they can provide instant service. They should also let customers know up front before transferring that service will not be instant or there will be a delay. 

No one enjoys being inconvenienced or prevented from doing what they want to do on a weekend especially when I need the money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One continues to charge mean " Interest Fee '' for XXXX and XX/XX/2023. I called regarding this fee and the representative explained the credit card company carried forward interest from XX/XX/2023. I have an excellent payment history and pay the statement in full each month. I expressed my due diligence to this recent matter and as an accountant noted how confusing it's billing statement is. My new balance is {$36.00} including the interest charge. I have called three times to correct this error after making two payments in XXXX of $ XXXX and was still charged. I expressed my concern over this business practice and will not be taken advantage of this credit card company for making all my payments in full. I was a loyal consumer to this company even paying off my car loan several years back. I do not trust Capital One as an entity any longer. Capital One has no integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
ACCOUNT IS CLOSED AND PAID IN FULL, THIS CAR WAS A LEMON ONLY HAD IT FOR A MONTH, CAR TRANSMISSION LOCKED UP AT 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 2023-03-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX doing business under Dovenmuehle Mortgage is trying to defraud us out of our money with a Property Inspection Fee charge of {$20.00}. We have never had anyone enter our home and do a property inspection. Also, the Late Charge Assessment we paid in the amount of {$44.00} is not for us being late on our {$970.00} mortgage loan. It was accessed because XXXX of XXXXXXXX XXXX failed to inform us by not communicating that our escrow account had a shortage. They had ample time from XX/XX/2022, through XX/XX/2022, to call or email us about adding money to the escrow account, which they never did. We have had the same lines of communication since first contacting XXXX of XXXXXXXX XXXX XXXX XXXXXXXX when we began our application for refinancing. This company has deliberately recorded and credited our mortgage payments as being unapplied and late and in default. In XX/XX/2022, we sent a signed written request by both borrowers to " Waive Our Escrow Account '' with XXXX  of XXXX, XXXX per their written request. They are not at all late or missed monthly at all. We have never missed or been late with a mortgage payment whatsoever. If the payment is received after the XXXX of the month, it is considered late and a late fee of {$45.00} will be charged, it is written on the mortgage statement. We never asked or requested any property inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
My escrow account has missing funds. This has been going on since my bankruptcy was paid and closed. Ever since my escrow has been missing money and my mortage payment keep going up. They paid more to insurance Co that was not correct amounts. They were rude and wouldn't help me understand why even going as far as to say they can't look up my information I asked for about my escrow account. They keep saying I was in the negative but wouldn't explain. They paid my last insurance Co more money than was my bill. Then when I changed insurance they paid them twice. XXXX XXXX sent them XXXX and my insurance sent them back one of the payments of XXXX they state I only have XXXX this has been going on since iv been with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: GA

Complaint narrative:
UNAUTHORIZED CHARGE WAS ON MY ACCOUNT CALL HAD A NEW CARD ISSUED STILL HAVE CHARGE ON ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: TX

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
Citibank XXXX XXXX account inactivated my account for inactivity even though the account is funded on a weekly basis. No help calling and there is not a branch near me to go in. 

A letter must be written to get access to my funds. Im buying a house and need the money very soon. Extremely disappointed. Please be aware they may inactivate your account and you cant get your money out. Be aware especially if you dont live close to a branch.

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 2023-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/2023 I received an e-check from a party who signed me up as his employee. The name of the company was XXXX. He issued me a check for {$4800.00} to but the equipment. 
I checked online the routing number given on the check was from Bank of America Illinois. I can verify only that information. He told me to print the e-check and endorse it and using BOA mobile bank app deposit it. On XX/XX/2023 using my mobile app of BOA on my smart phone I deposited the check. I received an email from BOA that the funds will be available by the next day. On XX/XX/2023 in the morning it showed me that check is cleared and fund is available as clear amount. It increased my bank balance by {$4800.00}. I checked the status of the check using online banking it showed by " Cleared ''. I have screenshot of that. 
Then as my employer requested to transfer the funds using BOA XXXX app to purchase the laptop to his trusted vendors. I made XXXX transfer of {$1000.00} using XXXX. But I suspected a scam victim so I contacted Bank of America and they told usually check takes XXXX days to process. Then I asked them to stop the transatcions. 

On XX/XX/2023 Bank of America returned the check reporting it as counterfeit. They reversed the transaction. But to this my account is in red. 
The balance in my account before check deposit was {$1900.00} but now the question is when I was not having the money in my account then how the transfer took place? 
Now my bank account balance is in red {$1000.00}. 

Due to the false reporting of the Bank of America XXXX XXXX in loss of {$3000.00}. They first reported that check is clear and they increased my balance whereas the check was in processing state and the funds were not available. 

When I deposit a check in bank I never asked for a credit balance. Yes there is federal law that requires the funds to be available quickly when a check is deposited but that does not mean banks will report false. 

Clearly this is a mistake on Bank of America part. They never processed my check but reported as cleared and increased my bank balance. Then three days later they reversed the transaction. 

The case is already reported to my local police station, IC3 website of FBI and my state atorney General office and now with you.

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 2023-03-18 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: CT

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-18 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: NC

Complaint narrative:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

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 2023-03-18 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: NC

Complaint narrative:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXX, XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.

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 2023-03-18 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: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-18 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: EQUIFAX, INC.
State: IN

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 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 acct # XXXX, XXXX XXXX XXXX # : XXXX, XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXXXXXX acct # : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXXXXXX XXXX  acct # : XXXX, XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX XXXX XXXX  acct # : 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 explanation
Consumer complaint received 2023-03-18 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: NJ

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast and XXXX is knowingly violating several consumer laws! This is my final warning to delete inaccurate accounts! Remove inaccurate accounts Be compensated for emotional and mental stress from this company.Attached is correspondence letter from senior specialist at Suncoast denying/rejecting consumer right to certified verification method if you are allegedly verifying and updating experian? That alone is in violation of my consumer rights and again defamation of my character to report negative inaccurate things and deny my request clearly stated to investigate inaccuracies and deleted per FCRA laws! Being that my request wasnt clear the last several times!! You also stated my request was frivolous and irrelevant? How So?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit report is constantly under attack. XXXX XXXX was just returned to my credit from my last complaint. As soon as it was returned my account was hit with XXXX XXXX for a medical bill collection that I have no knowledge of. Also Im a retired XXXX XXXX I have great insurance I have no knowledge of this bill why was it submitted to the credit company without being sent to me, I could have submitted any bill to my insurance company for payment. I feel like im under attack by the credit bureau because of my complaint.

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