vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: WA

Complaint narrative:
Account name : XXXX XXXX XXXX. 

Account number : XXXX Account type : Unsecured Date opened : XX/XX/2022 Status : Paid, Closed. 

Status updated XX/XX/2022 This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT

Complaint narrative:
Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish an account without my 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA
State: MD

Complaint narrative:
Background : My interest rate was 29.99 % on a credit card I hold with the Bank of Omaha and I have continuously paid my credit card balance in full but my troubles began on XX/XX/2023. Please see below for details. 

On XX/XX/2023, I had a previous balance of {$660.00} which I paid in full and a new Balance of {$3100.00}, with Balance subject to Interest Rate of {$2600.00} and interest of interest due. 
On XX/XX/2023, I had a previous balance of {$3100.00} of which I paid XXXX, and a new balance of {$3700.00} with Balance subject to Interest Rate of {$2500.00}, and interest of {$58.00}. 
On XX/XX/2023, I had a previous balance of XXXX of which I paid {$3700.00}. and had a new balance of {$1800.00} with Balance subject to Interest Rate of {$3600.00}, and interest of {$87.00}. 

Prior to the XX/XX/2023 statement I paid {$2100.00} against the amount of {$3100.00} which meant I had a remaining balance of {$990.00}. 
Interest on {$990.00} at 29.99 % according to my calculation should be {$24.00} but I was billed {$5800.00} which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$2500.00}. 
Prior to the XX/XX/2023 statement I paid {$3700.00} against the amount of {$3700.00} which meant I had a remaining balance of {$0.00}. 
Interest on {$0.00} at 29.99 % according to my calculation should be {$0.00}, but I was billed {$87.00}, which according to XXXX of Bank of Omaha is based on the Balance subject to Interest Rate of {$3600.00} I spoke with XXXX from the Bank of Omaha and she promised to remove the {$87.00} interest charge because they may have done so if I paid the next statement in full.

My concern is that the Bank of Omaha and others in the credit card industry are charging me and maybe tens of millions of others like myself interest on transactions for which we have been billed and at some exorbitant rates. 

I also told XXXX of Bank of Omaha that I will be recording my phone call with her because the bank is recording my phone call with her but she refused to speak with me if she was recorded. 

Where are we with the laws of this great land? Consumers are at the mercy of the corporate giants and it appears that we are helpless.

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 2023-03-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my rights under 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 under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late

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 2023-03-29 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:
I reviewed my Consumer Reports and noticed that I had a late payment on XX/XX/2022 XXXX XXXX  XXXX .... account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for this account : XXXX XXXX XXXX .... Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: MS

Complaint narrative:
I reached out to the credit bureaus on XX/XX/XXXX, XXXX XXXX, EXPERIAN, XXXX, XXXX, XXXX XXXX to make them aware of the inaccurate information being reported. I received dispute summaries saying the information was validated. I responded and asked their validation process no one wrote back. I sent them the receipts from the Tera program paid XXXX XXXX on XX/XX/XXXX before they went completely out of business.

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 2023-03-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

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 2023-03-29 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting this account for inaccuracy. XXXX XXXX is a paid account, and I had an agreement with the creditor to remove the account once it was paid. Also, the date last active is not consistent between all 3 bureaus, the date last updated is inconsistent, the balance reported is not consistent with the paperwork that I have from XXXX XXXX, and the payment history is inconsistent. There are also different account numbers being reported for the same account how is this possible? The account numbers reported XXXX, XXXX and XXXX. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 2023-03-29 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: WA

Complaint narrative:
Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Date opened : XX/XX/XXXX Status : Collection account. {$450.00} past due as of XX/XX/XXXX. 

XXXX updated : XX/XX/XXXX XXXX : {$450.00} XXXX updated : XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
sent my certified mail and they signed it on XX/XX/XXXX and as of today XX/XX/XXXX I received nothing back from them in the mail. 
They marked it's in dispute on my credit report but I received nothing. I called them today to let them know that I received nothing from them as of today and that this is being dispute and that they signed for my letter. I explained I'm disputing the balance & that I moved out the home in XX/XX/XXXX and they stated the account was disconnected on XX/XX/XXXX. I asked for the documents to validate and as of today XX/XX/XXXX I received nothing Please see my documents for the proof that it's past the 30 days to respond. 

Thanks, 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 2023-03-29 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: FL

Complaint narrative:
These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX Date XXXX Balance Owed : {$460.00}, XXXX OF XXXX XXXX Date XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$17000.00}, U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, U S DEPT OF ED/XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$460.00} XXXX U S DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} DP OF XXXX XXXX Date Opened:07/01/2015 Balance Owed : {$0.00}

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 2023-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
im in my last six mouth redemption period. but hers my question last XXXX we applied for the mi half and i found out about that program throw my mortgage company carrington. i made them aware that i did apply for the grant and we had a very good shot at it because my wife lost her job due to covid. every month i called carrington then i called mi half XXXX came around and mi half said we got everything in but they where backed up snd still waiting for someone to look it over. i called carrington and told them they said my house was set for the sheriff sale XXXX XXXX of last year : i tried to get it stoped but XX/XX/XXXX came and they did it anyways. i fill i lost my home directly due to my mi half. the bank told me all mi half would of done was to contact them to tell them i was working with them. I had other options I couldnt get a loan modification but I couldnt do that because I was waiting on an answer from mi half and now because of them the bank is blaming it all on mi half they said the sheriff sale would been stop if mi half wouldve done your job and contacted my mortgage company. mi half contacted them XX/XX/XXXX and carrionton refused payment. My mortgage company told me that they dont care what I tell them they wanted to hear from the organization mi half and I am under the understanding that they are supposed to contact the mortgage company to tell them that theyre working with the them. I am sitting here with one month left and because of this I lost my house. thats my story. My question is, is there anything I can do? I am told that under Sercombe circumstances that that can be reversed. I think Im should be one of the circumstances. my DHS  caseworker told me that there must be something that can be done because thats not fair. i will lose my hind because of this issue. ive contact everyone i can mortgage company mi half everyone point the figer at each other but at the end of the day im going to loss my home of 15 years because of two places that cant communicate. please help. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened checking account and enrolled in the Truist One Checking {$400.00} Offer XXXX XXXX XXXX at a Truist branch on XX/XX/XXXX. At that time I received an email saying " Thank you for enrolling in the Truist Truist One Checking {$400.00} Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' But after about one week before I made any direct deposit, I received such an email : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' In their website it shows " The checking account must be in good standing with a balance equal to or greater than {$0.00} at the time of qualification. The account was checked for qualification the week of XX/XX/XXXX. '' But at time I didn't enroll in the offer successfully so I don't think they need to check this part.

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 2023-03-29 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
On XX/XX/, I applied with XXXX XXXX XXXX XXXX XXXX for a new vehicle loan. There was 1 inquiry with XXXX XXXX XXXX XXXX On XX/XX/, I noticed 2 NEW inquiries from TD Auto Finance that were UNAUTHORIZED ; the dealership claims they can pull my credit without consent because my credit application is within 30-days. I did not authorize a new credit report to be pulled and they did so without consent and are giving me the runaround. This has negatively impacted my credit and XXXX XXXX has not done anything to resolve this issue. Again, there is no record of credit authorization on XX/XX/, only from the original 1 time inquiry on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 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: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I received a letter from Valor Intelligent Processing and immediately disputed the debt because its not mine. I asked for the debt to validated and gave them ample time to submit the documents I requested. Now here it is XX/XX/29 and it's suddenly popped up to my credit report, damaging my credit when they've NEVER submitted documents to prove this debt is mine when it's not. At this time I wish to file a complaint not only against the collection agency ( Valor Intelligent Processing ) for failure to comply written documentation to prove the alleged debt is mine. But I also wish to make an official complaint against XXXX for failure to properly validate the debt before applying it to my credit profile.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have a synchrony bank card for Care credit. My monthly payments are due the XXXX of every month. 
I paid {$170.00} for my XX/XX/XXXX for the XX/XX/XXXX due date ( amount due was {$30.00} ). I then paid {$50.00} on XX/XX/XXXX for my XX/XX/XXXX payment ( {$30.00} due ). 
I reviews mt on line account and it showed me past due for XX/XX/XXXX and I Was charged a late fee if {$30.00}. I called Synchrony bank and was told both payments were applied to my XXXX bill That was due XX/XX/XXXX. I informed them that the payment was mis-applied. They applied the {$50.00} payment to a already satisfied due Cycle then penalized me for paying earlier by charging me a late payment of {$30.00} for paying before my XX/XX/XXXX due date. 
I feel it unfair business practices and hurts consumers that pay their financial obligations early.

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