vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had my XXXX hacked and had charges across XXXX totaling in XXXX XXXX, I filed a claim over the phone with Wells Fargo for these charges. Also closed my XXXX account and got a new bank card. 
Now I'm getting a letter in the mail stating that the claim was denied with no attempt to contact me for more information or why it was denied just a XXXXXXXX XXXX charge to my account while I'm outta state for family passing.. not sure what to 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 2024-06-04 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: EQUIFAX, INC.
State: MD

Complaint narrative:
During the XXXX XXXX I was the victim of identity theft as were many of us. Needless to say I began reaching out via phone and XXXX Mail to XXXX, XXXX, and EQUIFAX. Despite my efforts to protect my identity and my non-public personal information the aforementioned agencies not only allowed my information to be used, misused, and abused but after I reached out there were still a staggering amount of inquiries added to my credit report at an alarming rate and attack the accuracy as I humbly requested they further allowed the inaccuracies to stay rather than remove them in accordance with 15 USC 1681i

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I want to discuss my recent review of the credit report acquired from your bureau. Upon certain scrutiny, I noticed the existence of reported late payments on my accounts and I disputing this incorrect information. I have done necessary steps to address and find out any postponed payments. I am amused to inform you that other credit bureaus have already took off these late payments from their records. I am peculiar about the discrepancy in reporting between your bureau and others. So, I'd like your bureau to UPDATE AND CORRECT the status of my accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: GA

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.

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 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I paid in full my card {$1000.00} On XX/XX/year> the automatic payment has been applied and I have charged an additional {$25.00}. 
There are several other CC that do the same, and it could last months to refund the overcharges, w/o paying any interest for those money. 
Communicating through email with this CC is not available. If Calling it takes very long waiting times.

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 2024-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Received call from debit collector agent Back in XXXX unprofessional comments were made I was asked by The Agent on Phone call What Amount I can pay I responded That I couldn't agent 's comment to that answer was in exact words ( well Why did you open the line of credit Then )/ Call was Terminated by me XXXX received call from collector Again was held on phone for 20 minutes I Asked multiple times to send email and or mail. I updated contact information. supervisor of company intercepted call with agent and also was unprofessional. comments were also made by supervisor about other dept on my credit report. very harsh and unprofessional comments were still being made even after I requested and updated information with collector after 20 minutes call was disconnected by me. I have not received anything via email as I asked collector 's supervisor/ claimed as we were on the phone that she was sending email and continued to basically bagger and threaten/ held hostage Phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 and I am filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2024-06-04 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:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-04 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: VA

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 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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
According to my understanding of FCRA 605B, any incorrect accounts must be removed from my credit report. Could you verify the documents? Some accounts listed have inaccuracies in reporting, amounts, and dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I'm experiencing a serious issue with Mohela XXXX XXXX XXXX. Since the XXXX loan repayment began in XX/XX/year>, I have been consistently making on-time payments ( as seen in bank statements ). 

My MOHELA account fully transitioned to the new platform on XX/XX/XXXX. The only payments on my account history are the XXXX from me in the last XXXX months. None of my previous payments have been posted to my account, even though my bank statements clearly show that I paid. All payments before XX/XX/year> have not been posted either, claiming my principal balance is {$8000.00} when it should be well below that. 

I have reached out to Mohela 's customer service multiple times but have not received a satisfactory resolution. They claim 30 days, then 60 days, then nothing. The lack of transparency and communication is incredibly frustrating. This is not just an isolated incident ; many other borrowers are experiencing the same problem. We are all worried about the potential negative impact on our loans and finances. Some borrowers have made $ XXXX payments and haven't seen their payments posted since XX/XX/year>. 

In addition, their payment schedule posting is never on time. Their emails are often weeks delayed claiming missed payments when I pay XXXX weeks ahead of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am formally disputing the inclusion of the credit card delinquencies from XXXX XXXX XXXXXXXX and XXXX XXXX on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I am formally disputing the inclusion of the credit card delinquencies from XXXX  XXXX XXXX and Capital One on my credit score, citing violations of the CARES Act provisions. These delinquencies arose during the COVID-19 pandemic, a time of significant hardship for many, including myself. Despite communicating my late payments to the creditors and explaining that they were due to circumstances beyond my control, such as a natural disaster, these delinquencies were still reported on my credit report. I believe that under the CARES Act provisions, which aim to protect consumers facing financial difficulties during the pandemic, these delinquencies should be removed from my credit report. It is essential that my credit report accurately reflects the challenges I faced during this unprecedented time and does not unfairly penalize me for circumstances that were beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected Consumer rights to privacy and confidentiality under 15 USC 1681, Account XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX. XXXX  Account # XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX  XXXX Account # XXXX Account XXXXXXXXXXXX Account # XXXX XXXX  XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, Inquiries 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 XXXXXXXX XXXX XXXX has violated my rights. 
I looked at my experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a Consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning or providing individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And acc to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, any reinvestingation under paragraph ( XXXX ) of any information disputed.

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 2024-06-04 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: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-04 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: 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 XXXX I am filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
Loan was set-up with FHA to not include taxes or insurance. I didn't realize until insurance was due so didn't have the money and had to have forced lenders insurance and ppay my own taxes, In addition, they put PMI that stays on the life if the loan when I was told it would fall off after 22 % of original amount was met. It's a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-04 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: SC

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 I am filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2024-06-04 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: SC

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 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 explanation
Consumer complaint received 2024-06-04 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: SC

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 explanation
Consumer complaint received 2024-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Shadiest bank I've ever been associated with. Did not receive a bill in XXXX ( I pay my balance in full every month by check ). Get a bill in XXXX with {$31.00} in late fees and interest. I simply call to get the fees removed- even if it were MY fault, every bank I've ever seen removes them as a one-time courtesy. 

I get an off-shore agent who barely speaks XXXX, has no authority, doesn't sound like he knows what he's doing. Asks for my email, tells me " i'll be contacted ''. XXXX minutes later I get an email telling me " I can't be authenticated, and I have to go to a notary! ". Ridiculous. 

I call back and get " XXXX '' who refuses to transfer me to a supervisor, asks me a couple of stupid questions, and it goes nowhere. Most inept, disgusting nonsense I've encountered from a credit card processer.

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 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for inaccurately reporting information on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. 

Account XXXX : XXXX Creditor : XXXX XXXX The payment history for this account incorrectly shows a XXXX late payment in XX/XX/XXXX and subsequent charge-offs in XXXX and XXXX. This is inaccurate, as the account was closed by the creditor in XX/XX/XXXX. According to XXXX XXXX compliance standards, no late payments should be reported after the closure date. Specifically, the reported late payments and charge-offs after XX/XX/XXXX are erroneous. 

The first date of delinquency does not match the timeline of subsequent late payments. 
There is a XXXX late payment inaccurately reported for XX/XX/XXXX. 
The creditor closed the account in XX/XX/XXXX, and no late payments should be reflected post-closure. 
These inaccuracies have adversely affected my credit score and financial reputation. Despite my attempts to resolve this directly with Experian, the errors persist.

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 2024-06-04 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: NC

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 I am filing this complaint for falsely 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 non-monetary relief
Consumer complaint received 2024-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
On XXXX XXXX, Equifax updated the payment history on a XXXX credit card account that has been charged off since XXXX. The change caused my credit score to drop substantially. On this same date, Equifax changed the remarks listed on this account. I have not been notified of these changes or why they are being made. However, IF these changes are accurate then Equifax is admitting to violating the FCRA laws on more then XXXX occasion by failing to properly investigate and update the information at the time that I disputed this account. Disputes have been made more then once on this specific account so if the investigation was done properly and the account was in fact verified as accurate then these changes would not be suddenly appearing. You may also note that the payment history was changed from 120 days late to 150 days late, but the account was listed as a charge off at 120 days late.

Company response to consumer: Closed with non-monetary relief