vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2023-05-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
In XX/XX/XXXX, my wife XXXX XXXX and I, XXXX XXXX, put money down to buy a house from XXXX XXXX in XXXX XXXX, Arizona. XXXX XXXX referred us to US Bank for financing because I operate a small business. Through U.S. Bank, were were prequalified and we had planned to use them to secure a Jumbo loan for {$1.00} XXXX less 20 % down. The house was delayed significantly due to supply chain and labor related issues. However, the home is now scheduled to close on XX/XX/XXXX ( changed by XXXX XXXX from the original closing date of XX/XX/XXXX ). 

The US Bank person we've been worked with all along is : XXXX XXXX, Mortgage Loan Originator | NMLS # XXXX. Direct : XXXX or XXXX. XXXX has been there for us throughout this process and an excellent resource. However, there was a series of unfortunate, corporate-driven events that occurred that prevented us from locking in rates on XX/XX/XXXX and XXXX, XXXX where we could not get a 7-year ARM rate quote from XXXX to make a rate lock decision. While I'm uncertain of the exact reason, I was told that one day " the system was down '' and, the next, XXXX did not have access because US Bank Corp changed their pricing parameters. XXXX indicated the threshold and price parameters likely changed due to tightening concerns as US Bank prepared to close on their acquisition of Union Bank. Consequently, as consumers we are being subjected to this new threshold whereas we should have been grandfathered in as the old pricing parameters in existence before XX/XX/XXXX. 

With quoted rates of 6.5 % as of XX/XX/XXXX, the process is subjective, deceptive and discriminatory. If we were to lock today, the rate spread will cost us ~ {$760.00} per month. Ultimately, US Bank changed the rules in the game without telling us or formally sending us a notification. Plus, they locked us out from being able to make an informed decision with our mortgage agent. And, had we know this were the situation, we would have been more aggressively shopping for another provider. 

XXXX shares in our concern and has expressed this to management for an appeal, but they have said no so far. He plans to appeal again today. With the closing just over a couple of weeks away, we now need to lock-in a rate by this Friday, XX/XX/XXXX. 

Your help is greatly appreciated in helping to facilitate this complaint.

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 2023-05-22 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: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
I have on multiple occasions tried to revive credit scores/history or credit reports through the 3 main credit check companies and my bank but am told that it doesnt exist or that my identity couldnt be verified or that my social security number doesnt exist. Ive tried to settle it with these companies but they keep telling me to file a complaint to the consumer finance website to have it 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 2023-05-22 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: NV

Complaint narrative:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. After pulling a copy of my Consumer credit report I noticed that Experian is in multiple violations and XXXX entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of the inquriy from XXXX XXXX  that is showing XX/XX/XXXX and XX/XX/XXXX, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I closed my Forever 21 credit card account, which is through Comenity Bank on XX/XX/2023 after only having it for 6 months and making 1 purchase in the amount of {$21.00}, and being charged astronomical late charges when I was unable to login to my online account to make payments and not receiving the statements by mail or email as requested, after I closed the account I received the attached correspondence from a representative of the Customer Care Team confirming that my account was closed and the balance was XXXX at that time. A short time later I receive an email saying I had a balance due on a closed account, and started receiving harassing phone calls all day long, all from different phone numbers. They now have a balance of over {$180.00} in late charges due on this closed account, they are affecting my credit score and continue to call on a regular basis. Never have I have seen a company with so many complaints, from the XXXX XXXX XXXX, which had over XXXX complaints, on their XXXX page and all over the internet. This company is ripping people off and must be stopped, how can they continue to stay in business with the work ethics that they have? I have tried to speak to them, they acknowledged the balance was XXXX when it was closed, but say that the charges were added the same day the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information cease to be reported on my consumer report, as their presence constitutes a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that you promptly and immediately delete and remove these accounts and information from my consumer report, as their presence on the report violates multiple laws. Please take immediate action to remove these accounts and information without delay.

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 2023-05-22 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: IL

Complaint narrative:
I have taken steps to address the issue by bringing forward this false information. I have been victimized by identity theft, and your actions have resulted in significant stress and financial hardship. You have attributed products to me that I did not authorize or possess any accountability for. If you fail to address this complaint appropriately, I will be left with no choice but to initiate legal proceedings. These false and fraudulent entries on my consumer report have hindered my ability to afford the car of my dreams and provide for my family.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
In XXXX, I entered into an auto loan agreement with Ally Financial for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to Ally Financial. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with Ally Financial to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with Ally Financial, they ( ALLY ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, ALLY Financial reported a missed auto loan payment to XXXX, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted ALLY Financial. The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call ALLY again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.

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 2023-05-22 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by XXXX Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 2023-05-22 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by XXXX Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' i have already disputed these items, but the bureaus did not remove them, nor prove validation. 

XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : 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 2023-05-22 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: NC

Complaint narrative:
My debit card was charged {$1600.00} on XX/XX/2023. I am currently banking with Chase as they are not helping that much to resolve the issue. They have denied my claim and when I called him to get iy reopen I was instructed to submit evidence that what I was claiming was true. My claim is that my phone and wallet got stolen. I did not authorize this charge for {$1600.00}. They are claiming that they denied it because I have charges that posted after the date that my card was stolen, as well as someone being someone having my card pin. I have been getting the runaround through many of their associates claiming they did not receive the documents. I had them fax twice from my personal bankers. I have XXXX. They were stating that they did not receive the fax or emails that we have sent and my bankers also stated that they have proof that they did receive the paperwork because they receive Successful submission emails from the company. They are telling me to go through the merchant, which is XXXX and XXXX has told me to go through the bank. Like I stated above, I feel as if I am getting the runaround, and I am not pleased. The paperwork they want to receive was to prove that I had to get a replacement phone and to show that the charges that were posted after my phone was stolen actually charge days before. I have submitted these documents and they are still denied my claim. They are saying I cant even go to a police to get a result. All I want is my money back. {$1600.00} is a lot of money to take a loss on and I am not pleased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2023 at around XXXX I had the intentions of sending money thru Zelle from the XXXX XXXX XXXX App to a family member. It was a large sum of money ( {$3500.00} ) for a funeral. After I had confirmed the amount and who I wanted to send it to it went thru right away. I than right after checked with the family member to see if they have received the money. They had not, and after a minute goes by I go to my email to make sure it went to the family member, well the name matched so did the phone number except for the last two digits. I began to panic and tries to reach the unknown person I had sent it to. After several attempts they finally pick up and I begged them to send me the money back and he claim he never received the money and to not call them again and hung up. I was devastated, but I called Zelle services immediately after in hopes that something would be done. After I summited a dispute with Zelle and than filing a claim with XXXX XXXX XXXX after all that they said nothing could be done. Im devasted that {$3500.00} worth of money went to a complete stranger when it was meant for a family members funeral. It was all the money I had saved and the bank claims they did everything they could to contact the thief that wont return my money. Im never using Zelle services again and letting the people I know the lack of help Zelle and XXXX XXXX XXXX  were to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please accurately including every notation, date, and balance whether reported or not. 
[ XXXX XXXX XXXX ] [ Comenity Bank ] I also respectfully request to be provided specific proof that the alleged late payments were in fact late. I request to see all statements and payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If you are unable to provide proof or if lacking proof of payments being late please update my payment history to PAANL status ( Paid As Agreen Never Late ) according to consumer protection laws. 

You are in Direct violation of the fair credit reporting act has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account as an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: IL

Complaint narrative:
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NC

Complaint narrative:
Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

Company response to consumer: Closed with explanation