vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I switched Home Insurance companies from XXXX  ( XXXX  ) to XXXX  this year, Payments are made through my escrow account with PNC. I submitted the new Policy declaration page to the website https : //mycoverageinfo.com/pnc and after waiting a week they never updated the information. I called on the XXXX to inform them of the change of home insurance companies, while on the phone they found the document I uploaded, and they said they updated the information. The next day I logged back into https : //mycoverageinfo.com/pnc to verify if it was all updated correctly, I find out they sent a payment on the XXXX in the wrong amount of XXXX, supposed to be XXXX. The policy number was NOT updated, the deductible amount for the policy was NOT updated, they also listed the company as XXXX XXXX XXXX ( should be Manufacturers ). I called PNC back to notify them of the errors and they said they would correct the policy number and that everything else was fine. I called XXXX Insurance to notify them of the errors that PNC made. They have NOT received a payment. Theres a possibility that the payment was also sent to the old insurance company XXXX but XXXX thing I know is that my escrow account does not have enough for another {$1400.00} payment until the situation gets resolved and I can not afford my mortgage monthly payment to skyrocket from the escrow account being short if another payment is made from it. To this date https : //mycoverageinfo.com/pnc is still showing the wrong information about the policy and the payment is in a limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
Experian National Consumer Assistance Center XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : 1. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events.

2. Action taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
3. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information.

4. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., 30 days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

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 2025-01-21 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-21 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reason re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence of furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience, experience has neither corrected nor removed disputed despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my rights as a consumer.

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 2025-01-21 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: FL

Complaint narrative:
XXXX and Equifax are still showing collections accounts when I have had them deleted from XXXX. 

XXXX XXXX XXXX XXXX {$81.00} XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX {$100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: PA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing this to express my concerns regarding zelle handling their disputes. I have told zelle numerous times about some discrepancies about my zelle transactions in past which were not investigated properly. I was told that once the funds were sent i am not able to get the funds back and was impossible to get it back. The CFPB lawsuit highlighted that there are significant issues with the platforms. So i want to see if there is something that can be done ; I have felt like zelle has neglected to protect the consumers but also leading to allow repeats of offenders to exploit the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to file a complaint against Navy federal credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$40.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
We have an account with Barclays. Our account was charged interest {$45.00} on XX/XX/XXXX. Payment of {$6200.00} was made on XXXX XXXX to cover the previous statement balance in XXXX and charges made for XXXX. 
I disputed the interest accessed and I was told by the representative that this is a residual interest calculation? I was told that a XXXX will call. 
Today, XXXX XXXX at XXXX am, I spoke with XXXX, he can not explain on how the interest is calculated and giving me a round around. Each time i challenge him, he will change his answer on how to interest is calculated. 

An interest of {$20.00} was already applied for the statement period of XXXX XX/XX/XXXX. XXXX balance of {$6200.00} has been paid in full and therefore no interest should be applied. 

This is a deceptive practice by XXXX and should be investigated by the agency

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 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
i have had a XXXX  credit card from capital one since XX/XX/2017 the limit on this card is XXXX on today i called and requested a credit limit increase first i was told that a credit limit increase would involve a hard pull when i was transferred to a supervisor i was told that a credit increase would involve a soft pull i was given a XXXX credit line increase i have credit scores over XXXX and excellent credit with capital one I feel that capital one being XXXX and discriminatory in their credit card policies i FURTHR BELIEVE THAT IF I WAS A XXXX  MALE WITH SAME SET OF CIRCUMSTANCES I WOULD HAVE GIVE A CREDIT LINE INCREASE MANY YEARS AGO AND I CERTAINLLY WOULD HAVE RECIEVED MORE THAN A XXXX DOLLAR CREDIT LINE INCREASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I dont know the dates, I just know that after many years with Capital One I was receiving the original low interest rate and was never informed that I could be getting a lot more interest. A LOT more!!! When I finally realized this, I called Capital One and the woman who helped me said, Oh my gosh, youve really missed out! XXXX been getting an old low interest rate from way back. I told her that I was never informed that I could be getting more interest, and she said, Thats a shame, and put my account to where I would be up to date. And that was it, she had nothing more to say. No compensation was offered. This exchange took place last year, XXXX, about mid 2024? I dont know how much money I missed out on, but XXXX sure that it was quite a bit, maybe {$1000.00}. or more. I did start receiving the correct, much higher interest amount after this exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. 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 explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony Bank XXXX Care Credit Care Credit offers promotional periods to pay off a charge made using their credit card. These are listed on your account with date of charge, amount, promotional period end date ( to avoid interest ) and current balance. 

I make full payments of promotional balances prior to the promotional period ending. 
Payments are never applied right. I have made payments via their website or by calling and proving the promotional balance it is to apply to, but they are always misapplied. I have chatted via their website or called, always with the promise they will be corrected, but they never are. I end up having to write a letter to their disputes department. 

I have the majority of my promotional balances ending in XXXX, but they have paid off the balance of one in ending in XXXX ( this has actually happened twice ).

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 2025-01-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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