vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX willfully reported to the credit union that applied for that {$730.00} in overdraft fees that was initially in error by an old account by capital one bank back in XX/XX/2018 for a closed bank account. Upon contacting capital one back they said that amount was an error and that the correct amount is {$370.00}. XXXX acknowledges that they received the amended notice of amount owed of {$360.00}. Not {$730.00} but the will not change it to {$360.00} unless I pay the full balance to {$0.00} eventhough I told them I dont owe them a dime. My due process rights to correct amount credit report is being violated. The lenders I applied to said that if the amount was lowered to the correct amount they will waive the restriction due to the age of almost 5 years reporting but XXXX is illegally still reporting incorrect amount

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Im concerned about the overdraft fees and the lawsuit that is involved with the overdraft fees settlement

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 2023-04-26 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:
So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.

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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
Hp sears is charging me twice for the same debt.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: WI

Complaint narrative:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My account was not overdrawn beforeXXXX on XX/XX/23 and I was assessed 3 late fees. I reached out to PNC and was not provided sufficient proof that my late fees were valid. In addition, there was a pending deposit. I received a notification that my deposit was made at XXXX XX/XX/23 from XXXX and then received a notification at XXXX that my account was overdrawn and needed to make a deposit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
ON XX/XX/2023, I MADE A PURCHASE WITH MY DISCOVER CC TO A COMPANY CALLED XXXX IN THE AMOUNT OF XXXX, AND DISCOVER IS HOLDING UP THE TRANSACTION. I HAVE ENOUGH FUNDS ON MY CC TO COVER THE TRANSACTION. THIS IS UNACCEPTABLE AND MUST BE RESOLVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-04-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a new checking and savings account as a XXXX XXXX with Citibank and referred a friend who also opened new accounts with {$30000.00} this same day which made me eligible for the XXXX bonus of {$100.00}. 

I have gone into the branch location in XXXX XXXX Florida at the XXXX XXXX several many times to have this bonus deposited into my account and also called which there is never an answer on their branch phone. I spoke with the manager XXXX XXXX ( XXXX ) and my account manager XXXX XXXX on over 5 occasions face to face both indicating this will be resolved. I have a file of email correspondence, Too date this has not been resolved XX/XX/XXXX. 

I spoke with a XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX both indicating that the bonus code was not coded correctly at the branch to apply the bonus. I was told I must deal with the bank as this was a branch promotion.

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 2023-04-26 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:
So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.

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 2023-04-26 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: PA

Complaint narrative:
So my understanding so far is, no matter what I submit to support my claim XXXX XXXX XXXX wins. I have sent to you, the paid contract did XXXX XX/XX/2019, I have sent you two letters from representatives at XXXX who have said the account was paid and not charged off. I have sent you a recording from their phone system saying it was paid in XX/XX/2019. What do you actually do here. The credit bureaus have changed the report over and over. One has one month, one has two months and one has three months and these have changed over and over again. My understanding is that federally its not even a charge off if its not over 120 days, if thats so clearly it should be removed. If my only option is to seek a lawyer then thats what Ill do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX Experian XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ENTERPRISE FINANCIAL SERVICES CORP
State: NM

Complaint narrative:
We identified fraud charges on Saturday XX/XX/2023 and called to identify and stopped the one card. We went to the branch in XXXX XXXX and was told since we identified the charges would be stopped and reversed and not posted. After we left we still had charges on the card that was deactivated and requested to freeze. Since then I had to identify other charges on another card that WAS NOT TOLD TO ME BY THE BANK ( XXXX XXXX ) or when I called the toll free number. We turned in the card and DID NOT request replacements. We still have the charges from XXXX XXXX, XXXX, and Alien XXXX Holsters that we asked 4 different Enterprise employees to stop ALONG with 2 calls to the fraud department AND response to text it was FRAUD charges. SO for the past 6 days we are now in negative balance and STILL going back and forth with call center and the XXXX XXXX NM branch. ALL of these charges when googled or bing search will reveal this. The call center person XXXX if I recall correctly is very nice and helpful the branch in XXXX XXXX NM IS NOT. They seem to lose paperwork that I have to go back to sign same forms and what is told to me by the XXXX XXXX and XXXX XXXX WAS NOT TRUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My account was either hacked or someone stole my debit card info. I had money save in my account that I was barely touching because I was getting me a house. I left my card at XXXX is the only thing I could think of to how my card could fraudulent charges. But looking in my account the fraudulent charges goes back as far as XXXX where someone kept trying to take XXXX dollars out my account. I had my debit card in possession while these charges was being charged to my account. I NEVER TOLD THEM MY CARD WAS STOLEN. I told them it was misplace. I ended up locking my card because I couldnt find it then end up finding it. They try to say someone was using the pin to make purchases and purchases was made on apple pay which o never saved that card to my XXXX XXXX. I asked to close the account entirely and open a new one. I was denied the option and they said it was just the debit card. They opened my claims and a couple days later closed my claim and added the purchases back to account. My account is still getting charged from food lion, a store I dont go to! Someone tried to open a chase credit card in my name where I had to lock my credit. Its also showing my account is sharing access with lenders. I havent applied for any loans due to me trying to buy a house. I will sue them if this issue isnt resolved. Im out of almost XXXX dollars. It shows atm withdrawals and everything. I just want this rectified so I can close the account. None of this started happening until I started banking with chase! I have proof of them sharing my information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, Experian and XXXX. Recently Experian completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.

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 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/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 non-monetary relief
Consumer complaint received 2023-04-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX  Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 an account without my written instructions.and these bureaus has violated this law buy allow unauthorized inquiries to be listed on my credit report I have never authorized any of the listed hard inquiries that are attached to the images below I contact TransUnion and XXXX to get this response numerous times and no one wanted to assist TransUnion they are unable to get me an online account to dispute the inaccuracies XXXX will not proplerly complete an investigation I have asked for my original written consent to obtain 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 explanation
Consumer complaint received 2023-04-26 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: WI

Complaint narrative:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

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 2023-04-26 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Over the course of the last 6 months Ihave sent multiple complaints about all XXXX credit bureaus reporting alleged medical debts violating medical laws and all without my consent. I have written them at least 3 times and asked them to remove them. I have the letters saved as well as the responses. Please address this immediately. Thank you.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
This complaint is against M & T Bank. At the beginning of XX/XX/2023 I contacted M & T Bank to let them know that I am paying the insurance in full as it is the only way to get the policy in place. I explained to M & T that they do not need to send the check to me for the insurance as it's paid and to send it to me. Of course they did not listen and sent the check. I went back and forth with them to get my money but made no progress. A year later, I was refunded my {$4900.00}. Not everyone can go a year without having that much money and there is an opportunity cost lost for me. 

This year, 2023, they did not pay the insurance in time. The insurer, Reinsure, charged my credit card on XX/XX/2023 in the amount of {$4800.00} so that we were not left uninsured. My insurance agent has been going back and forth with M & T since then. M & T continues not to follow instructions and has mailed the payment wrong 3 times now. I got back {$4000.00} on XX/XX/2023 so I was still owed {$810.00}. Then on XX/XX/2023 my credit card was charged {$410.00} because in order to maintain the policy they had to charge that so now I am owed {$1200.00}. 

I contacted M & T through email on XX/XX/2023. Their response is not what took place. They included a number to call to help get it fixed but the automated commands sent me in circles and I could not get someone on the line. I asked them to have someone contact me directly and on XX/XX/2023 they said they would have someone contact me. No one has contacted me. 

I am in the mortgage business so I know I am not the only one who has had this issue as we sell some of our loans to M & T Bank. I can share the email communication with my insurance agent to support everything I have included above.

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