vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: Kriya Capital, LLC
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report regarding closed accounts that are negatively impacting my credit score. The accounts in question are as follows : Creditor Name : XXXX XXXX  Account Number : # XXXX Reported Status : Closed Negative Creditor : Credence Resource Management Account Number : # XXXX Reported Status : Paid Settlement Negative According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. I believe these entries are incorrect for the following reasons : These accounts were paid in full and should not reflect a negative status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian reported me late on XX/XX/year> and the payment was made on time that's in accurate information In accordance with fair credit reporting Act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681

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 2024-10-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: NY

Complaint narrative:
While updating my home in preparation for it's sale in XXXX XXXX, I used my XXXX XXXX credit cards to buy bathroom, kitchen and laundry room appliances, building materials, etc. Seeing that the credit card interest rates had climbed, I decided to eliminate 1 card and pay down the other card. 
I applied for a {$20000.00} loan at Key Bank, XXXX XXXX, NY XXXX, XX/XX/XXXX with XXXX XXXX XXXX, Branch Manager. I have been a customer of Key bank for over 52 years. 
I was approved for the {$20000.00} personal loan. However, the XXXX XXXX XXXX  '' decided I could not be trusted to use the monies to pay off/down the 2 credit card balances. They would not put the money in my account. They insisted that Key Bank would issue checks to XXXX. 
I found this stipulation offensive. I had taken out several loans during my 52 years of being a customer at Key bank. I paid them all off without incident. I was now being treated like an irresponsible child. 
I voiced my displeasure at how offensive and ridiculous this stipulation was. However, I gave Key Bank the XXXX XXXX credit card numbers. I was asked how much I wanted to pay on each card. I told them the amounts to be paid on each card that would allow me to cancel one card and pay down the other. My instructions were recorded and sent to the " XXXX XXXX '' by XXXX XXXX XXXX. The " XXXX XXXX  '' was issuing the checks. 

My directive was IGNORED by the " XXXX XXXX  ''. They issued only one check and it was applied to only one card, LEAVING ME A BALANCE ON EACH CARD! Now, because MY INSTRUCTIONS WERE IGNORED, I am unable to eliminate the one credit card, which I felt was necessary for my financial comfort. 

While the " XXXX XXXX '' was afraid that I would be irresponsible with the loan monies, it turns out the " XXXX XXXX '' ARE THE IRRESPONSIBLE ONES! They disrespected me and ignored my directive. They have now created a FINANCIAL HARDSHIP for me every month. In addition, THEY HAVE NEGATIVELY IMPACTED MY CREDIT SCORE!

I have contacted Key Bank on several occasions regarding their mistake and no one responds to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VT

Complaint narrative:
I had multiple balance transfers with Discover all with a 0 % promotional interest rate, the first XXXX with the promotional rate expiring XX/XX/year>. I had been making payments for a while and they all applied to the oldest balance transfer, as I would expect. Then I had a newer balance transfer, and my payments after that were applied to the newest balance transfer instead of the oldest. I had made a large enough payment to pay off the oldest balance transfer so that I wouldn't be charged interest on it when the promotional period ended. However, since it was charged to the wrong balance, I will now be charged interest even though I paid enough to cover the promotional balance. When I contacted discover looking for assistance, I got the boilerplate explanation " We generally apply your minimum payment to the balance with the lowest XXXX. Anything paid over the minimum typically applies to balances with the higher XXXX. ". So all balance transfers were the same rate, and I would expect my payments to pay off the older balances first. I contacted Discover multiple times and didn't get any actual assistance, just the same general application hierarchy, with no offer to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-10-07 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-07 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
PREMIER Reported : XX/XX/XXXX Overview You're currently using 148 % of your account 's limit. 
Balance : {$730.00} Credit limit : {$500.00} Payment history No history is available. 
Monthly Payment Amount {$0.00} Current Payment Status Collection/C harge-off Amount Past Due {$730.00} @ 25 % 0 XXXX XXXX {$730.00} Closed Account details Account Number Account Status Open Date Last Activity Type Responsibility Remarks Times XX/XX/XXXX Days Late Months Reviewed Term Source Type High Balance High Credit XXXX XXX Charge Off XX/XX/XXXX XX/XX/XXXX Credit Card Individual Profit And Loss Writeoff XXXX {$730.00} {$500.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX {$530.00} Closed Overview You're currently using 179 % of your account 's limit. 
Account details Account Number XXXX XXX Balance : {$530.00} Credit limit : {$300.00} Account Status Charge Off Open Date XX/XX/XXXX Payment history No history is available. 
Last Activity XX/XX/XXXX Type Credit Card Responsibility Individual Monthly Payment Amount {$0.00} 0 Remarks Profit And Loss Writeoff Current Payment Status Collection/C harge-off Times XX/XX/XXXX Days Late XXXX Amount Past Due {$530.00} Months Reviewed Term Source Type High Balance {$530.00} High Credit {$300.00} Creditor information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD 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 2024-10-07 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: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Experian, XXXX, and XXXX for their refusal to allow me to dispute inaccurate information on my credit report. I have tried multiple times to dispute the inaccurate information, but to no avail. This has caused significant harm to my credit score and has affected my ability to obtain credit or loans.

I have followed the proper procedures outlined by the credit reporting agencies, including sending in written disputes and providing supporting documentation. However, the credit reporting agencies have failed to correct the inaccurate information on my credit report, despite my repeated attempts.

As a consumer, I have the right to dispute inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ). This law requires credit reporting agencies to investigate and correct any inaccurate information on consumers ' credit reports. However, the credit reporting agencies in question have failed to comply with this law.

I urge the CFPB to investigate this matter and take appropriate action to ensure that the credit reporting agencies comply with the FCRA. I also request that the inaccurate information on my credit report be removed as soon as possible.

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit 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 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX completed inquiries on my credit profile, I did not authorize them nor provided anyone with permission to authorize them use of my information, I made contact with the company and Experian, XXXX to remove these inquiries and all attempts failed.

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 2024-10-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am currently unable to check the remaining balance of an American Express gift card that I received as a gift. Multiple attempts over several days to check the balance on XXXX  : //XXXX.amexgiftcardXXXX XXXXave consistently resulted in the website error message " The system has experienced an unknown error. Please wait a few minutes and try to log in again. '' Multiple calls to the phone number listed on the back of my gift card, XXXX have also failed, with the repeated message " Your call could not be completed as dialed. Please check the number and check again '' after which the system disconnects you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a chase account in a negative {$5.00} balance and I called chase and let them know and they told me to go to the bank and pay the {$5.00} fee so my account can be opened up again. I went to the bank and payed the fee, my account was open, so Im thinking its a smooth sailing but they ended up restricting my account the next day where I couldnt log in. Went to the bank the second time with all my verified documents because I thought maybe since it hasnt been used in a while they think its someone else. Got my documents verified and my account was open up back again. Same thing happened the next day, so I got fed up and went to the bank because it was getting out of hand then they tried to open it back up but idk what was said on the phone but they told them that works there that they can open it up so I told them how there must be a reason? Theres a reason for everything. They told me chase has a thing in there agreement stating they have the right to close your account basically with no reason. So they told me that a letter would come in the mail STATING the REASON why it was closed off and whatever funds on my account will be issued to me as a check. So I havent received any letter up till this day its been 2 months and I check my mailbox everyday and there was nothing except a check and a ketter just saying your account was closed and the funds will be issued as a check. So I called them up today and I explained to the lady if thats the case you guys have to let your customers know in person as well because Im not gon na sit here and lie I didnt read the agreement but its a bunch of paperwork. So I told the lady that why are your employees telling me that there will be a reason in the mail and Im being told something different and I find it really unfair and I felt like it should be brought up to a higher up or someone that can reach out to them because I dont want nobody in the same position that I went through and next time they need to be clear about what they say and not be assbackwards. I told the lady thank you for the information but doesnt know that I will be reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I filed a complaint on XX/XX/year> complaint ID XXXX. All they did was lie about us not making payments and they returned my checks. They didn't and I went back to my bank and got proof of every payment which they accepted. They did not sent out the notices they said they did. This bank is getting by with ripping people off and getting by with it. One of they ways they are doing this is because they think they can sell your home before you find out about what they are doing and their customers can't afford to fight with them! If you don't believe this look at all the complaints they have against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I recently had XXXX  XXXX on XX/XX/XXXX. Prior to this date I spoke to Navient regarding my being out on XXXX until XX/XX/XXXX. I was told to wait until I had the XXXX and then call and to ask for financial hardship. I called back on XX/XX/XXXX after being XXXX XXXX XXXX XXXX and was basically told that there was nothing that they could do for me and that there is no such thing as a financial hardship forbearance. I explained to them that this will force me to go into default if I can't pay them due to limited income. I asked for a three-month consideration and upon my return to work I would be able to play catch up. Again, I was told they could not help me. Since that time NAVIENT will call me several times during the course of a day and on weekends asking me about my payment. I keep explaining the same thing to them but to no avail they keep calling. I am not expecting any miracles but if they noted my record then it should show up when they get ready to call. I am trying to recuperate from my XXXX, but this is now causing undo stress on me. I am not asking NAVIENT to bend the rules, but you mean to tell me that there is nothing they can do for me except to harass me on an everyday basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My PMI has increased by 40 % with no explanation. My home has increased in value to XXXX plus. I owe XXXX. They can not explain why I have PMI or why it has increased by 40 % +. From XXXX to XXXX. I want a refund of the PMI plus interest.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation