vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Hello, Today on XX/XX/XXXX my credit score dropped for a balance increase with COMENITYBANK/VICTORIASEC. 
I have an ongoing dispute with Comenitybank/victoriasec for an amount I was wrongfully charged. The balance has been increasing for missed payments while the dispute is in progress. I was assured that I would not be reported to credit agencies and to not make any payments during the dispute process as the balance should be zeroed out in the end. I am unsure as to how this has hit my credit as the matter has not been resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Carrington Mortgage reported me as 30 days late for the month of XXXX due to no fault of my own. I am requesting that the 30-day late reporting be corrected to reflect the account as paid as agreed. 
Since the inception of the loan, I make my payments on the Carrington website between the XXXX and XXXX of each month. On XX/XX/XXXX, I made an online payment on the Carrington website as I had always done in the past. As far as I was concerned, the payment was processed successfully. On XX/XX/2022 I received a call from a Carrington rep who informed me that they didn't receive the XXXX payment. I informed her that I made a payment online. She put me on hold and researched as to what transpired. She said that their system was down on the day that I attempted to make the payment, and that my payment was not processed successfully. She assured me that if I make a payment immediately, there won't be any late fees or late reporting. I made the payment on the spot and yet I was reported 30 days late on my credit. Please correct the reporting as promised!!! There was a glitch in Carrington 's payment processing system as confirmed by their rep and I shouldn't be held responsible for an error that occurred on their end. This was a bank error, and I am being penalized for something that was out of my control!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I deposited a physical check from the State of Delaware. It was my paycheck. I received a physical check because I am changing my direct deposit. I was not told that there would be a hold on the check, but they are holding the check I deposited on XX/XX/XXXX until XX/XX/XXXX. I have bills to pay that are not being honored by the bank despite having my money.

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 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I closed my mortgage with Nationstar Mortgage ( Mr. Cooper ) on or about XX/XX/XXXX. I was to receive a disbursement of my escrow account in the amount of {$3700.00}. Per XXXX ( a ), they are legally required to send me this money within a timely manner. 

After receiving the check in XXXX, there was an issue with the physical check and I needed it to be re-issued. After calling on XX/XX/XXXX to ask for the re-issue, I was assured that re-issuing the check was not an issue, and that they would re-issue it. I was to expect the new check in 7-10 business days. 

38 days later, On XX/XX/XXXX, I still had not received the re-issued check. This crosses the 30 day window allowed through XXXX ( a ). I called Mr. Cooper back asking for the status, and they informed me that they would re-send the check, as it wasn't sent the first time. I would surely receive it in 7-10 business days. 

19 days later, On XX/XX/XXXX, I still had not received my check. I called to ask for a status, and they said they had no status but they could send it again, or request it to be wired directly to my bank. I chose the wire option as I didn't trust the mailing process anymore. They told me to give the wire 24-48 hours to clear. 

5 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they said they had no record of the wire transfer being made. They said they could resend it, and I obliged. They told me to now wait 3-5 days. 

7 days later, On XX/XX/XXXX, I still had not received the wire transfer. I called to ask for a status, and they told me the exact same thing- they had no record of a wire transfer being attempted. But that they could try again, and see what happens. At this point I was given a case number to possibly follow up with my next request, but I have no way of looking up cases through their website. 

As of today, I still have not received the wire transfer. 

It has been three months that I've been lenient with Nationstar dba Mr. Cooper, attempting to resolve this through them. Their incompetence and inability to return my funds to me in a timely manner has given me no other choice but to file a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: IL

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 explanation
Consumer complaint received 2023-02-15 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: IL

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 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2023-02-15 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-02-15 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 to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without 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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Accordance to the fair credit reporting act. XXXX XXXX XXXX # XXXX Has violated my rights. 15 USC 1681 Section602a I have the right to privacy.15 USC 1681 Section604a Section2 a consumer reporting agency can not an account furnish without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I tried to make a principal only payment in XX/XX/XXXX and was told they can not accept principal only payments outside of my autopay due date. However, if I remove autopay, my interest rate will increase as they gave me a .25 % decrease by setting up autopay. I then had a check mailed to XXXX to process. It is now showing online in my account with a payment date of XX/XX/XXXX. I then went in and tried to do a payoff and I received an error message and it tells me I have to call in to get my payoff quote ( XXXX ). I called in to XXXX and they told me they couldn't give me a payoff quote because the XXXX transaction was still processing. I then told them it was showing online and my current balance is showing {$12000.00} online. I was then put on hold and told my payoff quote is {$16000.00}, but they couldn't send it to me in writing because of the payment issue. I then told the representative my balance online showed it was {$15000.00} as of XXXX. I then asked how I could have almost {$900.00} in interest and requested how that makes sense mathematically. I was not given an explanation and was told he could not explain it to me. He then suggested I call back tomorrow to then make a payment, but I also told him waiting another day was going to be another day of interest I was going to have to pay, which is not fair to me as the consumer. He agreed but offered no other alternative. He then suggested I go back in and try to make a payment amount with a specific dollar amount. Based on my calculations, I believed today 's payoff amount would be {$12000.00} ( I added a XXXX ) so I tried to make that payment online. I got another error message stating the payment was too high and I had to call in. The customer representative then could not help me with anything and we both became frustrated. I ended the call and then tried to make a payment of the current principal balance. I got the same error message, so I called back again. The next representative suggested to remove the autopay to see if it will allow for a payment to be processed. I agreed and received the email notification it was removed. She tried to do a payment and it would not let her. I then logged back into XXXX and tried to make a payment and received the error message. XXXX is not allowing me to make another payment to payoff the loan. However, if I wait another day or XXXX ( based on their suggestions ), I will be charged extra interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
i was robed and atm and my pin number was demanded which the suspect withdrew funds from my account as instructed by td bank, i filed a dispute and td bank denied my claim stating that i gave out my pin number, however it was a life threatning cituation and the transaction were unauthorized, td bank failed to propaly investiagte my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I was approved for XXXX Credit Card and received the card a few weeks later than promised. 

After receiving the credit card and getting everything set up with mobile app and auto payment, I noticed the amount of the credit card was reduced by {$150.00} instead of the {$75.00} fee that they outlined in my " Account Opening Disclosures '' documents. ( I have attached them for your review ) The annual fee was suppose to be {$75.00} initially, and my starting available credit was to be {$1100.00}. But what I am seeing is that they have charged me {$150.00} and my starting available credit is only {$1100.00}. ( Note that I have not used the credit card for any purchases ) I called on XXXX XXXX, 2023 at appx XXXX and spoke to a XXXX XXXX I explained the issue with XXXX and she told me that she did not understand why my available balance was not correct and that she was escalating the issue to the back for them to review and correct. She also said it would take about 48 to 72 hours to correct. I waited until XXXX XXXX, 2023 and checked and noticed that nothing had changed. 

I called a second time on XXXX XXXX, 2023 at appx XXXX and spoke to another XXXX who stated that she could see the issue and the notes from my 1st call. She stated that she was escalating the issue it should be resolved in in 72 hours. So today I have checked my account again and the issue has not been resolved.

At this point I feel that they are giving me the run around. I have attached the document that shows exactly what my credit limit is and what the annual fee should have been.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been trying to fix this issue since last year. fraudulent charges were maid to my sears account several months ago I have call them numerous times even got a letter in the mail which I still have about the charges being removed but I'm still getting this messages about it. I even when on to cancel the credit card so no more charges would be made. Now I don't know what else to do since sears credit card is not fixing this issue.

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 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX Account XXXX cell phone open XX/XX/2017 this Account was open for 1 month they said ( XXXX ) I did not open this Account, this is fraud! I told them years ago XXXX, XXXX, Experian and XXXX I have a police report from XX/XX/2017 when I notice items on my credit report that was never 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 explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
I had a home equity note with People 's United Bank, it was paid in full, closed and reported accordingly to the credit bureaus. M & T Bank purchased Peoples Unite Bank and then informed me that the note was still open, after further inquiries ( emails, phone calls ) I was the informed the note was closed, and then I was informed I had to pay {$100.00}, for a mortgage discharge fee. M & T Bank has since notified the credit bureaus that I have a closed equity note with them and I owe {$100.00}. My credit reports clearly shows I had a note with Peoples United Bank, it was paid in full and it is closed. I would appreciate your help, they have reduced my credit scores, and at age XXXX, you would think they would be reasonable. Thank you in advance, 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 monetary relief
Consumer complaint received 2023-02-15 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: OneMain Finance Corporation
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 


ONEMAIN Personal Loan Companies XXXX/2022 XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 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.

This is a duplicate inquiry and shall not be showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
My current address on my Experian account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my Experian report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.

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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I request all transactions to stop on my chime checking account on XXXX XXXX XXXX  chime still allowed 4 transactions in XXXX from the merchant I asked to stop debiting my account. Chime refuses to refund the unauthorized transactions on my card for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My current address on my XXXX  account is wrong, this is hurting my opportunities and I got denied for an application due to my address not being able to confirm my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX I need this to be corrected immediately This are the current addresses on my XXXX report : ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX they are all shown wrong I expect this to be handled as soon as possible as my quality of life is being affected by this and I am being denied credit for this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not authorized and not validated per FCRA and creditors are also aware. these must be removed due to ID theft FTC and ID/address attached : * Account : XXXX XXXX XXXX  * Source of dispute information : accounts * Amount {$600.00} * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX XXXX XXXX XXXX Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account XXXX XXXX XXXX XXXX XXXX XXXX of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2023 * Account : XXXX  * Source of dispute information : inquiries * Dates associated with item being disputed : XX/XX/2XXXX XXXX

Company response to consumer: Closed with explanation