vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the month of XXXX, I was late on my Capitol One payment which is normally about {$120.00} per month. However, since I was late they doubled the payment because of the " billing '' cycle had changed. So I made a payment of {$120.00}. When I just went to make my payment, I got an alert on my Capitol One app that I was XXXX months past due. Now they want to double the payment in order to make the account '' current ''. The have now counted me XXXX days late which will report as derogatory on my credit. Not once did anyone reach out to me regarding the payment amounts or anything being insufficient. I have no issues coming up with the amounts that I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Midland Mortgage is reporting my account as late, and missed payments for the months of XX/XX/XXXX and XX/XX/XXXX, despite the issue being a problem on their end. We were previously reported as late for several months at the end of last year and disputed it with XXXX in XX/XX/XXXX. Midland then confirmed that we were not late the report was updated to reflect that, but they are continuing to report us as late.

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 2023-02-13 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 XXXX  XXXX XX/XX/22 PayPal XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22

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 2023-02-13 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital XXXX XX/XX/22 XXXX XX/XX/22 BMO XX/XX/22 XXXX XXXX XX/XX/22

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: WA

Complaint narrative:
On XX/XX/23, I received a letter via mail to my address in regards to overdraft service protection being turned on for an account that I created. I called the bank and their fraud department was closed at that time, so they helped inform me that an account was created using my name, address, birthdate, email, phone number, social, and drivers license. The bank directed me to a location on Monday to go address in person. The bank called the fraud department on my behalf and indicated that the account was created online on XX/XX/23 with my license number. The account was approved with matching information. However, my drivers license information is different from the information that is on the application and I am currently living at. This should have triggered a red flag of inconsistent information. The account did launch live and was able to proceed in set up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I currently have XXXX hard inquiries on my credit report that I did not authorize. I have filed a complaint with the FTC in regards to identity theft in the past. The XXXX unrecognizable inquires are from : XXXX XX/XX/22 Capital One XX/XX/22 XXXX XX/XX/22 XXXX XX/XX/22 XXXX XXXX XX/XX/22

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-13 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: CT

Complaint narrative:
I notified XXXX that the name on the statement needed correction and without notification, the Card was charged off and reported to the credit agency as negative reporting. I understand that this is unlawful as the card was in dispute. I am looking for immediate correction to credit reporting. This is written in plain language to aid in your understanding. 
Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair reporting credit act ; The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX B XX/XX/XXXX 15 USC 1681 Section 602 A. States I have a right to Privacy. 

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 7 years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I previously modified my mortgage through Midland Mortgage during XXXX due to financial hardship. During the application process I was informed from Midland Mortgage that no negative credit reporting would occur. That was correct and Midland did modify my mortgage XX/XX/XXXX and no negative reporting occurred during this process. Unfortunately the monthly payment was not reduced and actually increased due to an escrow shortage. I reapplied for mortgage assistance XX/XX/XXXX looking for a payment deferment or other options while I contemplated putting my home up for sale. At application, I also inquired about negative reporting during the application review period and an associate ( i will not name ) of Midland Mortgage informed me that there would be no negative reporting during the application process. The bank kept on requesting documents and a second phone call on XX/XX/XXXX also yielded the same response that Midland would not report negative late payments during the application process. I also have the name of the person that I spoke to from Midland. In XX/XX/XXXX I ultimately sold my home and the loan was paid off in full. A recent check of my credit file showed Midland reported me 30 days delinquent in October 2022, 60 days in XX/XX/XXXX, and 90 days late in XX/XX/XXXX. This has a devastating effect on my XXXX score and my inability to secure financing in the future because of the erroneous information Midland Mortgage provided me both at application inception and during the review period. I in good faith sold the home and paid off the mortgage in full ( it was not a short sale ) and Midland Mortgage did not act in good faith by providing me incorrect information. I would like this resolved.

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
Transferwise closed my account on XX/XX/2023 and denied my appeal and is refusing to refund the XXXX usd in my account. 
Attached is the XXXX they stole

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a check deposit of XXXX from my personal account. Wells Fargo held the check for one week three days, My balance dropped to XXXX and they charged me an overdraft fee even after calling up my bank and verifying the check. They held the amount of XXXX and then charging me an overdraft fee. I had to call them and ask them for the overdraft fee back, they agreed to give it back but did not give it back and gave back only XXXX. the fee they charged was {$35.00}

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 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have been making a lot of payments every single month on time I dont understand why my credit got hit so hard I traded in my XXXX XXXXXXXX for a XXXX XXXX XXXX and to my knowledge. I had great credit now all of a sudden today on XX/XX/XXXX Monday I try to trade in my XXXX for a XXXX of the year and it turns out my credit went from great to XXXX someone, please be so kind to help me with this one. I feel like the people I did business with in XXXX have been dragging their feet to report my payments. Otherwise, I would have no clue why my credit got hit so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The Us Department of EDU is reporting my 19 year old student loan as 5 years old. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN 5 YEARS OLD!!! ITS 19 years old. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You XXXX and Transunion keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.

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 2023-02-13 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: EQUIFAX, INC.
State: IN

Complaint narrative:
The Us Department of EDU is reporting my XXXX XXXX XXXX student loan as XXXX XXXX XXXX. They keep closing it out and re reporting it as a new loan so it drops my credit score. The account says it was opened in XXXX. The orginal loan was taken out in XXXX and added to in XXXX. ITS OLDER THAN XXXX XXXX XXXX!!! ITS XXXX XXXX XXXX. Its false info and the fact that they keep transferring offices and reporting it as new is wrong. You Equifax and XXXX keep letting them get away with this. My score went from XXXX to XXXX in a matter of days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. EQUIFAX ALSO HAS A POLICE REPORT ON FILE PERTAINING TO THIS ITEM

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: CITIBANK, N.A.
State: CA

Complaint narrative:
In Accordance with the fair credit reporting act Macy 's XXXX Citi Bank Account ending in # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There is a current late pay reporting on my credit report that is not correct. The bank that reported the late pay has acknowledge through several correspondence that this was indeed an error. I called the XXXX major credit bureaus reporting this error and have provided them proof that this is an error, but they are still choosing to allow this misrepresentation to appear on my credit report. I also sent the XXXX major credit bureaus the letters that I received stating the same. Furthermore, the bank also claimed to have sent the same letters that they shared with me to the credit bureaus, yet these errors still remain. This is causing me great harm. I a hoping The Consumer Financial Protection Bureaus can assist me in making this wrong right.

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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND REQUESTS. 

PLEASE SEE ATTACHED DOCUMENTATION TO MEET DEMANDS IN A TIMELY FASHION.

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 2023-02-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My first letter which will be attached went to Transunion, XXXX and XXXX to properly investigate the errors and inaccuracies I found on my credit report. These letters were sent out on XXXX XXXX XXXX Almost 60 days later I received a frivolous response letter back from them, accusing me of hiring a company to dispute accounts on my credit and that I would need to prove my identity. I sent proof of my address and my Drivers Licensed attached in my first letter for proof of my identity. I have sent XXXX more letters over these 120 days and I have YET to receive any investigation result correspondence from this bureau. 
I sent letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and have not received any more correspondence. I feel that my rights have been violated per consumer law and I am requesting to either get compensated for each violation or for these errors I have listed to be removed from my credit reports immediately upon investigation!

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