vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXXXXXX XXXX  payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXXXXXX XXXX customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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 2023-03-16 00:00:00
Product: Credit card or prepaid 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: NJ

Complaint narrative:
I disputed a {$25.00} balance on a closed credit card account to Capital One on XX/XX/2023 in a letter to its Dispute Dept. in XXXX XXXX XXXX, paid the undisputed amount, and have yet to receive any reply ( by XX/XX/2023 ). 

Capital One has had more than 30 days to confirm having received the letter, and it has not yet done so. 

Although I do not have to pay the disputed amount while this dispute is pending, Capital One nonetheless charged me a {$29.00} late fee and a {$0.00} interest charge in XXXX, XXXX. 

Capital One later reversed the {$29.00} late fee and {$0.00} interest charge on XX/XX/2023 after I complained to the CFPB, but the unaddressed, original {$25.00} charge remains on the closed account. Capital One will now charge me another {$29.00} late fee on XX/XX/2023 plus interest, when I fail to pay the disputed {$25.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX found out name was breached in XXXX Data Breach. I notified the credit bureaus, FTC ID Theft Affidavit was filed and was given a claim of the Breach. 

I sent out letters XX/XX/XXXX and to dispute the erroneous accounts, addresses, and names that proves it not mine and requested investigations and verify that all info on my report are correct and accurate. 
According 15 USC 1681i, everything must investigated in 30 days and with verifiable and accurate info. XXXX and Transunion has violated my rights by simply not even investigating the errors. They also did not add that the accounts were in dispute. This is another violation of my rights. 
Transunion and XXXX deleted XXXX XXXX  account but illegally put back on the same disputed account with a new number. 
I have attached the FTC AFFIDAVIT that was filed in XXXX along with the new Affidavit showing the illegality of the XXXX. 
XXXX XXXX XXXX ND XXXX is commercial building, XXXX XXXX ND XXXX has three different variations of same address for abandon building. 
There still 20 variations of my name and 10 diffrent addresses. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Delete these errors and accounts that are not mine or I will want monetary compensation for my violating rights also discrimination due to my age and fraud.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I contracted with the GENESIS FS CARD SERVICES for a credit card AND UNBEKNOWNST TO ME I was not given full disclosure which is a violation of Regulation Z of the TILA ( TRUTH IN LENDING ACT ). I authorized permission to representatives of the company to discharge the total amount of the debt in full pursuant to HJR 192 and Public Law 73-10 and was not given proper remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION
State: OR

Complaint narrative:
Received text " Thanks For Shopping : id- # XXXX for XXXX XXXX XXXX XXXX of {$540.00} Charged-from Your a/c.If not done by you, Reach us XXXX '' I did NOT order this. I clicked on the phone link and customer service for XXXX claiming to be Amazon, came on the line. Promised me the problem could be fixed. I went to XXXX XXXX, downloaded an app. as instructed. Agent took remote control of my phone. 
Accessed my XXXX XXXX XXXX XXXX credit card and made 2 XXXX XXXX gift card purchases for {$100.00} each. Also overnight, my XXXXXXXX XXXX checking account was emptied by 3 XXXX cash transactions to - XXXX XXXX {$190.00}, XXXX XXXX {$170.00} and XXXX XXXX {$150.00}. I contacted XXXX XXXX and stopped one of the two {$100.00} transactions. Too late to stop the 2nd one. On instructions, I drove to nearest store and tried to purchase gift cards. Was denied because of NSF on credit card. Store owner warned me of possible scam. I did not purchase any gift cards. Was instructed to not check accounts online overnight. Received call next morning from " XXXX '' who assured me I would be reimbursed. That number not longer exists. Am changing all accounts with bank and credit union.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
I was informed that XXXX XXXXXXXX XXXX made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.

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 2023-03-16 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:
I had an employee who was fired from the company for stealing I believe open these accounts XXXX  as i never received any od these high ticket items they show I owe.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
capital one does not allow you to pay off cash advance balances. on their back end, they treat it as two accounts and allocate payments to the lowest APR account first, then remaining balance to cash advances. interest on these are billed separately. the consumer has to treat the card as one single account, and do not have the same ability they have to allocate payments. the consumer can only submit money and let their system allocate it in the most profitable way possible. they effectively create an account that has no way to be paid off until the entire balance is paid in full. i have called them and was told by two seperate supervisors that i need to pay the full balance on purchases in for my payments to start effecting the cash advance balance. this creates an interest charge that can not be paid off until the whole card is paid off. this is a predatory practice to shuffle funds around and allow fees and interest to continue to accrue with zero options other than to pay the interest i cant touch for the life of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: ID

Complaint narrative:
My XXXX credit report shows a debt not owed that is a result of identity theft/fraud. The Debt is in collections status through Amsher Collection Services. I have never lived in the place the debt was incurred. The debt is not mine. To my knowledge, I've never had an account with Charter Communications. A simple examination of my address history should show that I never took out an account in the city in which the Charter Communications debt was incurred. Below is the debt info taken from my XXXX Credit Report : Amsher Account Information Address XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$570.00} Original Creditor CHARTER COMMUNICATIONS LLC Past Due {$570.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account previously in dispute-now resolved. reported by credit grant ; >PLACED FOR COLLECTION<

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: SC

Complaint narrative:
On XX/XX/XXXX XXXX  XXXX XXXX got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  got a copy of my credit report without my permission On XX/XX/XXXX and also XX/XX/XXXX XXXX  XXXX got a copy of my credit report without my permission On XX/XX/XXXX XXXX XXXX XXXX finance got a copy of my credit report without my permission On XX/XX/XXXX XXXX got a copy of my credit report without my permission Remove from credit report and send letter of the investigation and how you guys verify that these inquiry are mine

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 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I received an email stating that my loan had to be seasoned for 2 years to request PMI removal or pay {$86000.00} to remove the PMI. XX/XX/XXXX I received an email stating that I could proceed with PMI removal based on current property value & I had to pay for an appraisal or bpo. I paid for the appraisal & on XX/XX/XXXX I received an email stating that my appraisal left me with an LTV of 79.90 % but I didn't qualify now because my loan is between 2 to 5 years and the LTV needs to be 75 % but I can appeal the appraisal or pay {$23000.00} to remove the PMI. I appealed the appraisal & on XX/XX/XXXX my LTV was changed to 75.80 %. I have jumped through hoops to have the PMI removed and the LTV is being configured on a silent second due to a COVID 19 payment deferral that I had to have because I had lost income in my household, but I have since resumed making regular mortgage payments. I'm requesting to have the PMI removed from my loan based on the fact that my loan amount is {$420000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Bank of America denied my application for a used car loan under XXXX in XXXX, XXXX. Stating I did not meet the qualifications per my credit report. I reviewed all 3 credit reports and did not see an inquire from Bank of America. Bank of American has a history of pulling wrong credit information and depositing funds into the wrong checking accounts for me. I no longer bank at Bank of America because of their past history of mishandling of my accounts. My credit score is has been good/ to excellent consistently over ( 800 ). My earning to debt ratio is good. 

Bank of America stated the decision was based of my credit report from XXXX, no record of an inquire on my XXXX Credit Report. I was able to obtain a loan for another bank. 

The interest rate at Bank of American would have been less. What options do I have, I feel I was mislead and given inaccurate information from Bank of America. They never pulled my credit report, I do not pose a high lending risk. 

Thank you 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 2023-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was informed that Bank of America made a hard inquiry on my credit report on XX/XX/23. I did not authorize this inquiry, or apply for any sort of loan, mortgage, or credit card.

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 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
USBank put a freeze on my checking account and did not notify me. I discovered it later after they texted me at XXXX about an upcoming bill due date. All accounts are current. 

Contacted USBank and was transferred by agent who refused to give name : From CustomerService to CreditCard dept. 

Credit card Deparment call 35minutes says It's CustomerService issue ; then they disconnected me. 

Back to CustomerService dept. who after 35 more minutes says it's CreditCard Department 's issue. Then disconnected me again.

CreditCard Department says it's customerService issue and final customer service department says 1. There is no way to create a paper trail for this issue. They will not provide an email address. 2. They said they will have a Supervisor call me in 24-48 hours. It's now been 5 days and no one has called. I've experienced this dissimulation before with USBank. There never was any problem with the account. Their systems are errant and they do not take accountability. USBank regularly disconnects calls and misrepresents issues to customers. Far too many times, I have felt in the position of having to train USBank representatives. This is really poor service from a National bank that should do much better. I checked their reviews on XXXX and was horrified to see USBank has overall score of 1.3 out of 5 for 700 confirmed reviews. I hope ConsumerFinance performs some sort of customer service & quality control auditing for this 'bank '. They charged an overdraft fee and late finance charges & wasted nearly 3 hours of my time on the phone. This is my history with USBank, for which I've been a customer for at least 20 years. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There are XXXX transactions in which funds were withdrawn from my account but did not arrive to the recipient. The recipient is my child 's daycare provider with whom we regularly pay. The recipient share with me their bank statements showing the XXXX payments were not received. Capital One has not acted in good faith in providing documentation as to where these monies were delivered, IF delivered. I called on XX/XX/XXXX to request documentation. I was initially told documentation takes 1-2 business days. I called on XX/XX/XXXX, in the same conversation, the representative told me documentation takes 1-2 business days, 2-3 business days, and 3-5 business days. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No one can tell me why the funds have not arrived, where the funds are, or when I'm going to receive documentation regarding these claims. The XXXX transactions total {$7600.00}. This does not include 2 additional transactions that I have not filed claims for. Attached are my bank statements for XXXX. The noted transactions did not arrive to the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed and provided police reports reporting of unauthorized inquiries my data was breached in XXXX and XXXX and Transunion reporting innacurate accounts and unauthorized inquiries accounts opened not under my name also unknown refuses to apply federal law

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 604 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