vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
I asked capital one to refund an annual fee of XXXX dollars that was charged to my account 10 days ago from today. They refused. I spoke to 3 people and they all didn't want to refund the fee or offer to downgrade the card to a no annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I recently review a copy of my credit report and I noticed fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit. A collection account for {$800.00} from XXXX XXXX associated with XXXX XXXX XXXX. This is a fraudulent 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 non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: VA

Complaint narrative:
1. Overpayment Issue Never Responded to or Addressed I contacted Selene Financing numerous times during XXXX and XXXX, as they misapplied funds and their accounts show an overpayment of {$37000.00} in XXXX. When contacting Selene Financing, I contacted Selenes customer service several times via email and phone. 

I also contacted Selenes Loan Specialty Advisor, XXXX XXXX, several times about this including email and phone calls. As you will see in the attachment, XXXX XXXX never responded to my inquiry about the overpayment, despite his promise to do so. I have many documented communications with Selene Financing where they simply never respond to my questions. 

2. Incorrect Deferred Balance Amount On a separate topic, one of my accounts says there is a Deferred Balance of {$53000.00}. This amount is not correct. There should be {$0.00} in the Deferred Balance. 
I have reached out to Selene Financing many times about this issue as well, and have not heard back. I can also document these communications. 

3. Misapplied Funds Never Applied to Account One of my accounts shows that there was {$66000.00} in Misapplied Funds, that, without my knowledge, they removed from my account in XX/XX/XXXX without explanation. 
I have also contacted Selene Financing about this with no response. 

4. Improper Business Practices Related to Ignoring Customer Inquiries Selene Financing has taken advantage of us and of many other customers by not responding to customer inquiries, and forcing customers to overpay and be charged fees that are not valid. Customers are forced to pay the fees in order to free themselves from Selene Financing and move to another provider. In fact, we found and are part of several XXXX  groups devoted to Selene Complaints. We currently have several other mortgage servicers and have never had any problems with any other mortgage servicers. The other mortgage services do not have XXXX groups and other groups devoted to complaints about them. The Selene Complaints XXXX groups and other groups indicate that Selene has an ongoing record of not replying to and taking advantage of their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
IN " WELLS FARGO '' TERMS AND CONDITIONS IT STATES THAT THEY WILL " NOT '' GIVE OUT MY INFORMATION WITHOUT MY PERMISSION, WHICH CONSTITUTES A VIOLATION OF THE PRIVACY ACT OF 1974. 

WELLS FARGO GAVE MY INFORMATION TO " XXXX XXXX XXXX '' WHICH IS A THIRD PARTY AND THEY DID SO WITHOUT MY CONSENT/PERMISSION. 

VIOLATION 15 USC 1681 PERMISSABLE PURPOSES

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX . Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX . Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXXXXXX  ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. 
TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccurately reported despite my account being on autopay and having no missed payments. 
Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on time. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: VW Credit
State: SC

Complaint narrative:
My XXXX VW XXXX is at the dealership for about a month due to a XXXX XXXX XXXX ( XXXX XXXX XXXX ). It still under factory warranty and I'm still paying for lease till end of XX/XX/XXXX. Since I can't use the vehicle which I'm renting ( leasing ), it's only fair not to pay for the same period car still at the dealership for repairs which is about a month. 

Car VIN # : XXXX. 

The VW dealership repair order number is XXXX ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: INDEPENDENT BANK CORP.
State: AP

Complaint narrative:
I've been requesting account access and my funds for a while now. They've requested verification of my identity with handwritten letter and passport copy which I've sent multiple times and they seemed to have never gotten it despite putting the right address and confirming. Finally, they stated i can submit an email through which I submitted a picture of myself holding my passport and handwritten letter confirming my identity and intent to gain access to my account and funds. Even after the letter, there was no response and only after a week did I reach out. At that point the CSR advised me that he can not grant me access but he would send me a check and close the account. As that would be give me access to my funds, I agreed. After waiting 2-3 weeks, which is usually more than it takes receive a snail mail from the States, I sent an email to ask where the check may be. I just received a response that they had sent it but they can not give me details on the account over the email. When I called, the answering prompts stated their system was down and had limited access to account details. I gave up and waited so more. After waiting a month, I called again and talked to XXXX who seemed to have a long conversation with her supervisor. At the end of the conversation, I was told to wait yet again despite my complaints that all my mails to them keep getting lost and their mail never gets to me. I've requested other ways to access my funds or providing tracking as the check is a cashier 's check. All my requests have been denied and I feel robbed of my money for the last 4 years i did not have access. The money was banked in a high yield savings account despite which it accrued no interest at all for all the duration they had the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This afternoon, I discovered inaccurate accounts on my credit report, and Im absolutely baffled as to why. When I checked my report as I always do, I was floored to see errors that I never expected. Refreshing the browser didnt change anything ; the incorrect accounts remained. Im asking now for a complete review of the documents Ive sent so that I can feel at ease again.

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 2024-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: LAKE MICHIGAN CREDIT UNION
State: NY

Complaint narrative:
I wanted to close my checking account and all accounts with XXXX and tried to remove the last of the funds in my account totalling {$72.00}. It was in parentheses but there was no minus sign. When the transfer went through, I got hit with a {$60.00} overdraft fee XXXX now my account says- {$100.00}. I don't understand how I'm somehow down over {$100.00} in my checking account. I don't remember agreeing to overdraft charges and a balance of XXXX should not be considered overdraft. XXXX is XXXX, not negative. This feels like theft.

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 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card opened at at XXXX XXXX on XX/XX/XXXX Account number XXXX an credit card Opened at XXXX XXXX on XX/XX/XXXX Account number XXXX an mobile phone account Opened at XXXX XXXX Original Creditor XXXX XXXX XXXX  on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I paid my rent to XXXX XXXX XXXX  each month when I lived there. I moved out and paid them {$4200.00} in move out fees to settle the debt. Now they are saying I owe more. I settled the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year> I noticed the accounts XXXX XXXX XXXX, XXXXDept of ED, XXXX XXXX XXXX, and XXXX XXXX  were on my credit report. I did not authorized any of these accounts to be opened. I also noticed these inquiries that I did not authorized 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 explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am submitting this formal dispute regarding inaccurate information on late payments reported on my credit file maintained by Equifax for the account XXXX with XXXXXXXX XXXX XXXXXXXX. Despite sending previous requests for correction ( letters dated XX/XX/XXXXXXXX  and XX/XX/XXXX ), no action has been taken, which violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Non-Compliance Under 15 U.S. Code 1666b, creditors are obligated to provide periodic statements at least 21 days before a payment 's due date. The erroneous reporting of late payments on this account indicates a failure to adhere to this requirement. Furthermore, 15 U.S. Code 1681i compels credit reporting agencies to ensure the accuracy of information in consumer records, which has not been upheld in this case. 
TILA Non-Compliance The Truth in Lending Act ( TILA ) stresses the importance of providing accurate and timely disclosures to consumers. The incorrect late payment reporting has unfairly damaged my credit score, thereby breaching this obligation. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act also mandates that creditors issue timely statements to avoid unjust penalties to consumers. The late payment reporting discrepancies on my account suggest a failure to meet this responsibility, resulting in unfair damage to my credit. 
Discrepancies in Payment Reporting For the account with XXXX XXXX XXXXXXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly reflects a 30-day late payment in XX/XX/XXXX, a 60-day late payment in XX/XX/XXXX, and a 90-day late payment in XX/XX/XXXX. These are inaccurate since the payments were made on time, and the account was fully managed through autopay. 
Recurring Errors The persistent incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been wrongly reported even though my payments were made on time and the account was on autopay. 
Request for Immediate Resolution I request that these inaccuracies be promptly corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to reflect my actual payment history, which is 100 % on-time. If this issue is not addressed within 30 days, I will pursue further action, including legal steps and filing additional complaints with regulatory agencies to safeguard my rights as a consumer. 
Thank you for your swift attention to this matter. I look forward to receiving written confirmation of the resolution. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief