vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
accordance with the fair credit reporting act XXXX account # XXXX /account # XXXX, has violated my rights. 


15 u.s.c 1681 section 602 A .states i have right to privacy 15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
We bought tires from a XXXX XXXX in XXXX of 2022 and it was bought on XXXX interest promise. I was charged a finance charge of {$470.00} and then was by the company told that if I wanted that charge removed I needed to pay the balance. I was speaking with them and they disconnected our conversation and I was not able to get anything resolved. I have made my payments on time at least minimum most of the time more. We were never told that after 12 months they would charge us interest for the entire purchase.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
I am a Valley customer. My complaint is that they are NOT transparent. They dont send mail and they dont provide online access to mortgage documents. When I call representatives are not friendly and they have weird business hours like closing at XXXX XXXXXXXX XXXX. 

They tell me they paid my tax and insurance which is why I was charged XXXX dollars extra for a few months but then insurance company contacts me for requesting to pay the bill as Valley did not pay nothing. Nobody I can catch to talk to, they are not friendly not helpful plus I cant access to my statements. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX of XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to dispute the following information on my credit file. I have circled the items I have disputed on the attached copy of the report I received. 
This report I received on XXXX shows both credit accounts which are Macys and XXXX. These accounts are fraudulent accounts and were opened without my knowledge or consent.

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 2023-02-01 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I AM FILING THIS COMPLAINT ON MY OWN BEHALF, THIS IS NOT A THIRD PARTY Capital One bank decided to stop making their " 360 Savings Account '' as well as a money market account and instead opened up their " Performance Savings Account '', in the process all the customers with the 360 account had their interest rate set to match the children 's savings account rate of 0.30 % APY while new customers were given the rate of 3.30 % APY on the Performance accounts. They did not reach out to their longstanding existing customers to let them know of this change. So basically their prior basic account was downgraded and they are getting away with paying customers 11 times less interest for the same basic account that is now under a different name. The only difference between the old 360 account and the new Performance account is the interest rate. After speaking with a manager on XX/XX/23 ( after I noticed the massive discrepancy in interest rates ) I was told there is absolutely nothing they can do about back interest owed by them or about changing the interest rate of their own accounts ( that they have been steadily decreasing the interest rate on for years, even with loan interest rates at an all time high ). My only option is to open a new account, change all my direct deposit and payment information around, and write a letter to the office of the president ( that will most likely go in the trash upon receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX I currently have a mortgage loan with Wells Fargo, due to XXXX I missed some of the mortgage during XXXX and XXXX. Wells Fargo re adjust my loan move the payments to be made at the end of the current schedule mortgage payments and refinance. I want to see if everything in my loan is ok, if I didn't got extra charge and if I did I would like to know if I qualified for the current law suit that Wells Fargo has.

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
My husband and I were forced to refinance our existing mortgage with your company after we fell behind on two payments due to a loss of income. We were threatened repeatedly with foreclosure and out of destitution of losing our home, we signed the paperwork. The refinance fees were astronomical, and our interest rate was outrageous. Our new mortgage payment was over {$2000.00} a month and it was only by the grace of God that we were able to cash out a retirement account to cover the expense. We would end up having to refinance the house again a second time just to get payments that were more manageable. We felt taken advantage of and misguided during this time period. We have not heard from Wells Fargo since the XX/XX/XXXX verdict.

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 2023-02-01 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 have been with wellsfargo bank since 2008. However, i have had multiple issues where they charge me transactions on the wrong day, fees for not using my card for that month, overdraft fees caused by charged done on the wrong day. When i call and try to talk to them and question them a out it, they just say there's nothing they can do. That, that is how the fees are setup. Even when i lost my job and asked them to waive the XXXX fee for not using my card that month, they said they could only refund me $ XXXX. Making my account overdrafted by XXXX plus the XXXX remaining. Then sending me a letter that i had 5 days to bring my account current otherwise I'd be closed off and sent to collections.

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 2023-02-01 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: NC

Complaint narrative:
I recently disputed an account that did not belong to me ( XXXX XXXX  XXXX account : XXXX ) As a result of that dispute, the account was removed from my credit report on XX/XX/2022. This information can be verified via Report XXXX XXXX. 
( I have copied and pasted this report below : ) What happened? 
The dispute for the account with XXXX XXXX  XXXX that starts with XXXX has been removed from your credit report. 
Source : Experian Date Submitted : XXXXXXXX XXXX XXXX Report Number : XXXX Account Number : XXXX Company : XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX If my understanding is correct, once a disputed account has been deleted from your credit report, it can not be placed back on your credit report. That is the purpose of this letter, to inform you that this account has been placed back on my credit report after it was previously deleted. 
Please remove this account from my credit report, again, and send me an updated copy, via XXXX, showing the item has been removed. 
Thank you, 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 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Good evening, My home loan account number is Account XXXX with US Bank XXXX On XX/XX/XXXX, my XX/XX/XXXX payment was returned due to insufficient funds. 

However, I transferred the funds and made a payment of {$1200.00} from my bank account on XX/XX/XXXX to US Bank. To date, after repeated calls and nearly two weeks after sending my Bank Statements to prove the deduction was NOT returned, I have not received an update from US Bank. Their records still state that my payment was not received. I am getting the run-around. 

It is now XXXX and the potential false-negative report of a missed or late payment would negatively impact my credit score.

Calling their customer service line is pointless because the reps refuse to read the notes before giving me " inaccurate '' responses. An investigation was opened and I was told that to call back on XX/XX/XXXX. When I called back, they did not have any updates and I was told to check back again on XX/XX/XXXX. I checked my statement online and the {$1200.00} still has not been applied to the XXXX balance. 

As a US Bank customer of 6 years, this is the worst customer service that I have ever received. 

My phone number is XXXX. I would like an update from US Bank from a supervisor. I would like for the {$1200.00} to be credited to my account, and for any negative reports to be removed from my credit. 

I have been trying to pay the mortgage balance of {$100.00} -- payment increased due to escrow -- since my first call on XX/XX/XXXX -- However, I could not because of the initial {$1200.00} that was not accounted for. Their system will not allow to me make any payment amount other than the full balance due -- which is currently inaccurate. 

Thank you for any assistance that you can provide. I have called multiple times, emailed, sent the bank statements, and never received a response. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

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 2023-02-01 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: I.C. System, Inc.
State: TX

Complaint narrative:
Upon review of my credit report from all XXXX credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate. 
XXXX5 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions. 
I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.

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 2023-02-01 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Upon review of my credit report from all 3 credit beuros I noticed several inconsistencies with the dates open, dates closed and reported. I have asked the companies to investigate and confirm everything is accurate and they state everything is accurate.

15 use 1681 sec 1 states I have the right to privacy 15 use 1681 sec 2 states consumer agency credit can not furnish account without written instructions.

I believe my rights have been violated and negative reports have inaccuracies. I am requesting that you investigate on my behalf and remove all negative reports from my credit report from all 3 credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, it was my intention to fully repay the balance on my Bank of America Credit Card account. I initiated an online payment to pay the balance in full, with a payment in the amount of {$3400.00}. I had some issue making that payment, so I was not sure if the transaction was completed. I did not see the transaction in the transaction history, so, I initiated it again. 

The next day, on XX/XX/XXXX, I saw that two debits in that amount had cleared my checking account. I proceeded to have one of the debits in my account returned so that the - {$3400.00} balance on my credit card would be XXXX 'd out. 

The following day, that was completed, but upon inquiry about the availability of funds, I was told that there would be a 10 day hold on my accocunt, despite the fact that the amount had cleared my checking account, and, I had NO history of late payments or returned checks on the account. NONE. 

I had multiple conversations and emails with Bank of America. I explained to them that I wanted the availability on my account so that I could use a promotional 0 % interest rate offer that was listed on my account. The promotion stated that the offer was good through XXXX XXXX  so, I gave up and figured I would have to wait the 10 days, which would get me the funds available around XXXX XXXX  well before the XX/XX/XXXX expiration of the offer. 

Well, it was a mistake to mention this, because despite the fact that the promotion stated I had until XXXX XXXX  when I signed in today ( XX/XX/ ) the promotional offer was rescinded. I am certain this was retaliation for my complaining about the TOTALLY unfair and unwarranted hold that was placed on my account. 

I attempted to get the offer reinstated, but Bank of America refused. 

I have been a banker for almost 40 years. I have excellent credit and income. I understand how payments are processed, and I know that ACH transactions CLEAR THE NEXT BUSINESS DAY. Bank of America demonstrated VERY poor customer service by not immediately reinstating my availability. I welcomed them to verify with my bank ( where I work ) that the payment had cleared, similar to how XXXX XXXX handles this. They refused. 

I decided to live with it, but now that they PUNISHED me be rescinding the promotional offer, that was good until XX/XX/XXXX, I feel the bank should be punished and formally reprimanded. And, the promotional offer should be reinstated.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a car loan from Wells Fargo and it should be a part of their most recent lawsuit but haven't heard a peep. I was a part of the other lawsuit and received a payout so I know they have my information. 

XXXX XXXX XXXXXXXX

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 2023-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
Company : Meade and Associates. 

Never received documentation of amount owed, or and itemized breakdown. Amount was paid to the original debtor and never removed from collections.

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 2023-02-01 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: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account, has violated my rights.

15 USC 1681 Section 602 Staes 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 may not treat a payment an a credit card account under an open and 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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XXXX and XXXX I was having issues with Wells Fargo rearranging my funds so that I overdrafted and was charged late fees. I want to be included in the class action lawsuit.

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 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The company repossessed my vehicle which was do to none payment it was the main reason pandemic I explained I couldn't keep the payments because now the pandemic gotten worse then it was They sold it left me with the amount that's is too high it's like made at all they stating that I owe over 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