vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called Capital One directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. Capital One said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by Capital One, but Capital One claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-03-14 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
CFPB CASE XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX Wells Fargo XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, 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 2022-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
THIS WAS A REFUND NOT A DEBT

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 2022-03-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute to Experian, XXXX and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the XXXX,. At this time the item continues to report the account as XXXX  days late in the year of 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 2022-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I received a call from ( XXXX ) XXXX which showed on my called ID as Wells Fargo. 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 
Later that same day I went into my local Wells Fargo branch to ask whether the phone number I received the earlier call from was a Wells Fargo number. An employee by the name of XXXX confirmed that it was. 

On XX/XX/XXXX I received another call from ( XXXX ) XXXXWells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

On XX/XX/XXXX I received a third call from ( XXXX ) XXXX/Wells Fargo . 
The caller asked if I had initiated a {$25000.00} wire transfer out of my account and I answered no. 
The caller assured me that the transaction would be stopped and my account would be blocked. 

Wells Fargo failed to block my account to protect me from further fraudulent activity despite the assurances made during all XXXX calls. 

Wells Fargo was unable to stop the transactions or recall the wires as the beneficiary banks reported there were no funds available to return. 

Wells Fargo has denied my fraud claim because they determined that the transactions were requested using my Username and Password and completed using a One Time Passcode which was sent to " my '' phone. I did not request the transfers nor did I ever receive a passcode. 

On XX/XX/XXXX I requested in writing copies of all records relating to the fraudulent transactions ( which is my right under FCRA ) including the phone number the One Time Passcode was sent to, the type of device ( XXXX ) used for the wire transfers and the XXXX address of said device ( XXXX ). 

On XX/XX/XXXX I contacted Wells Fargo to follow up on this request. 
I was told by the agent XXXX that this information could not be released over the phone but would be provided by mail in XXXX days. 

On XX/XX/XXXX -still not having received a response- I contacted Wells Fargo to follow up on this request again and was told by the agent XXXX, that the request was only received on XX/XX/XXXX, and they require up to 30 days to process it. 
Later the same day I received a voicemail from Wells Fargo refusing to provide the information I have requested.

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 2022-03-14 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: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
On XX/XX/22, there was an unrecognized and unauthorized charge in the amount of {$79.00} on my FNBO business credit card from the third party merchant, XXXX XXXX. I contacted the merchant right away to report the transaction. The representative advised that I would need to request a refund from the person/ company who received the payment. I was provided instructions on how to go into the app to request the refund from the person/ company. After sending the request for refund, I immediately received a notice that the person/ company had declined the request. I advised XXXX XXXX of the matter at which time I was told that there was nothing that they could do because they are a third party merchant. They suggested that I contact my credit card company for assistance. I contacted FNBO to file a billing dispute for the fraud transaction. After a month or so of filing the dispute, I followed up with FNBO only to be told that there was nothing that they could do either.

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 2022-03-14 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: WI

Complaint narrative:
CFPB XXXX XXXX XXXX  CASE XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Wi XXXX Date of Birth : XX/XX/XXXX SSN # : XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX : XXXX XX/XX/XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove the disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed, to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX CARD SERVICES XXXX Once again ; This is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes Truly, 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 2022-03-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
My payment is due on the 4th. I paid on the 4th. They are saying it was the 5th. My account on their site shows I paid on the 4th. They charged a late fee on the 3rd before it was due. I went to XXXX XXXX and paid off my account per the manager a week later. Comenity is saying I owe the late fee and finance charge and my account was not paid in full. I shouldnt have a late fee because they charged it before the due date per their website and it shows I paid on the 4th. The due date. They are ripping people off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-14 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: IL

Complaint narrative:
I, XXXX XXXX, a federally protected consumer is writing this statement. On XX/XX/22 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to these unauthorized inquiries. I feel like my disputes have been completely disregarded and ignored. I have even called and have proof with certified USPS receipts and transunion has stated that they do have documents and will not remove the inquiries. I demand these inaccurate inquiries be deleted immediately or I will file for litagation due to the stress and anxiety you have caused. I know this is a violations of my rights. My information was impacted by the XXXX databreach as well and may have been exposed to 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 explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
All my monthly payments of my XXXX credit card balance have not been showing anymore since my credit report dated XX/XX/XXXX ( complete XXXX payments - attached ). They have desappeared from the today report dated XX/XX/XXXX ( missing XXXX payments - attached ). This transmission and/or publication issue has happened various times along the year XXXX as reported in the XXXX and XXXX complaints XXXX. This used to be fixed but for only a temporary period and the issue has come again after one or to two months time. My XXXX XXXX payments and my good standing with XXXX past due since XXXX disappears which is very prejudicial and is resulting in repetitive adverse letters when asking for other credit card. Experian says I should have more cards to raise my FICO score but they just impedes that same process. Attached are the XXXX report showing the right data and on the opposite the XXXX report with a blank section for my XXXX XXXX. Attached are also the XXXX card statements of XXXX and XXXX which should be reflected in the Experian 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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/XXXX I went on forbearance with US Bank because I was laid off due to Covid. I began talking with US Bank in XX/XX/XXXX to begin the resuming my mortgage payments. I was told that I was in a plan, it was unclear as I did not select it. Every month I called and was told everything was ok and it was. After discussion they said they had to cancel the current plan ( not clear what it was ) to put me on a new payment plan. That plan was described that the payments would go onto the end of the loan. They wanted me to start payments in XX/XX/XXXX. I paid XXXX by phone but there is no record of the payment. I was told I could make a payment any day of the month. The XXXX payment was made on XX/XX/XXXX for {$860.00} but US Bank does not show it as paid. I made 2 payments on XXXX XXXX ; 1 for XXXX and the other for XX/XX/XXXX. The payments cleared my bank on XX/XX/XXXX for {$850.00} and XXXX XX/XX/XXXX for {$830.00}. US Bank does not show these as paid. On XX/XX/XXXX I became aware when I met with US Bank mortgage loan originator XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX branch that my loan was sold to XXXX XXXX XXXX She looked for my missing payments but was unable to find them. She said she had never seen anything like this at US Bank. XXXX XXXX XXXX has no record of the payments. I am shown as being delinquent in payments that I made that no one can locate. XXXX XXXX seems to be moving towards foreclosure but speaking with them is nearly impossible. I did manage to speak with XXXX XXXX on XX/XX/XXXX. She said my loan was " in flight '' so they did not have access to the information but I was not to worry. On XXXX XXXX, XXXX I made a payment via phone for {$830.00}. XX/XX/XXXX I called to be sure my XXXX payment was on track. I spoke to a XXXX who said my payment was returned on XX/XX/XXXX, I do not know why. I said I have the funds and would like to pay it but he advised me not to as it would only go to the end of my debt. One of the two banking systems has {$2500.00} that I paid in good faith.

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 2022-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We have had a loan with BB & T, now Truist, for many years. Because of their inaccessibility -- it often takes more than one hour on hold to speak with someone -- my partners and I added automatic payment to our account in XXXX, 2022. We have two mortgage accounts, both with the same account number, but with different suffixes known as note numbers in their parlance. Both accounts were set up for ACH at the same time, and both were to draft from the XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. Truist input an incorrect account number for one of the loans, and the correct account number for the other. These accounts are confused on the website -- the account with the wrong loan number appears to be paid on time, the other appears to be late because the payment was returned by the XXXX XXXX XXXX bank because of the incorrect loan number. After about 2 hours of painful discourse on hold and on the phone with a ( lovely ) customer service rep, I gave up and said just take the payment manually. She did. But then, mysteriously, the other payment was reversed. To add insult to injury, there are late fees on both accounts. And the customer service rep was unable to correct the incorrect account numbers because she could not " validate '' me via text, even though the previous customer service rep was abler to do exactly that with the same cell phone number I always use. I was then forced to spend additional time re-setting up ACH with faxed paperwork ( so archaic and not at all practical ) and have had no indication that it has worked ( still showing delinquent ). I am not able to make the changes on the website because the bank is still showing one account as delinquent, they refuse to fix it because they can't text me, and I don't have endless hours to sit on hold.

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 2022-03-14 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: OK

Complaint narrative:
XXXX XXXX I reporting a debt on my credit report. When I reached out to the collection company for information on the debt, I was told that it was transferred to XXXXXXXX XXXX XXXXXXXX for collection. I've been calling this company since XXXX and the representatives keep reading a script that says they can not access my account and to call in a few days ; it's been almost 4 months. 
I called XXXX XXXX directly to get the information and was told they've been getting multiple calls about the old collection company not transferring the information to the new collection company. XXXX XXXX said they would escalate by calling the old company and ask them to expedite my file transfer. They asked me to call the new collection agency in a week and they should have the file. I've called multiple times, including today ( XX/XX/2022 ) and was told they still can not access my file. 
I have disputed with all 3 agencies because I am not able to get any information to confirm the account or resolve the balance. The bureaus have updated the account saying it was verified by XXXX XXXX, but XXXX XXXX claims they dont have any info to share with me and I can only contact the collection agency. Meanwhile, it continues to affect my credit rating and ability to obtain credit. If I am not able to get info to confirm and/or resolve, it should be deleted from my report until I can. This is unfair to me as a consumer.

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 2022-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Hello, I opened an account with Synchrony Bank XXXX XX/XX/2022 to pay for a XXXX compact tractor. I received my first statement on XX/XX/2022, and attempted to pay my first bill online. After not being able to locate my account on the website, I called the Synchrony customer service number listed on my statement ( XXXX ). There were no options to discuss my online account with a real agent, and the only payment options were via phone or mail. I called two other Synchrony service numbers ( XXXX and XXXX ) and each time, when the customer service representative could not locate my account via account number, I was asked for my full, 9-digit SSN over the telephone. I consider this a major breach of data and privacy on an unencrypted phone line. 

I eventually was connected to a customer service agent on the original service line, and she explained there is no secure online portal for servicing my account, and that I may only pay via phone or mail. In 2022, it is unacceptable for a financial institution as large as Synchrony to allow ONLY unencrypted and insecure payment methods like this. These accounts are a walking time-bomb for a data breach or identity theft. 

I made a payment via phone to avoid a past-due account, but do not with to continue making payments via unsecured means in the future.

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