vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
XX/XX/2023 I placed an order online for two pairs of XXXX. My credit card was charged {$26.00} for XXXX pair to be picked up in store and {$26.00} for XXXX pair to be shipped to my house. I had accidently selected the wrong store ( it defaulted to XXXX in SC where we were visiting at the time of the order ). When the order was ready for pick up, I realized my mistake and called on XX/XX/2023 to have the order exchanged and have the order sent to the correct store. The rep could not exchange it but told me they would cancel, refund the order and sent me kohls cash to ensure I could order to the correct store at the same price. 

On my statement, the refund for the order shows as XX/XX/2023 Return at XXXX XXXX and a refund of {$16.00} was placed. 

I waited expecting to receive the rest of the refund ( {$10.00} as the total paid was {$26.00} for the returned pair ). 

I contacted kohls today XX/XX/2023 looking for the refund. I was told that because of " kohls cash '' issued and used, I was only entitled to a refund of {$16.00} which was already applied. This was never explained by the first rep. I spoke with XXXX different customer service reps ( XXXX and XXXX XXXX and neither would fix the mistake. I should not have to pay {$10.00} for a pair of shoes I do not have in my hands. The order was canceled and a full refund should have been given. I asked to speak to a manager and XXXX XXXX came on the chat. She sent me their FAQ and also would not assist. 

I want them to review the call to see that the rep who helped me with the return was wrong, they should have explained the kohls cash situation because I would have returned the other order. This is predatory lending. No other company partially credits you because of a coupon they give you for shopping at their store. When I brought that up I got the same " I'm sorry '' response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-17 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: LA

Complaint narrative:
As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXX XXXX- XXXX Please remove the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a Dispute about XXXX I never got out the ATM. 3 months later they are still telling me the same thing as I first day. File a Dispute and we'll be in touch. That has happened 3x and still no Result. They have stole my money but act like it's ok because I can't prove it. NOT FAIR. NOT HONEST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights 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.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: MS

Complaint narrative:
In accordance with the Fair Credit reporting Act XXXX XXXX XXXX XXXX 15 USC 1681 Section 102 States I have the rights 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.

15 USC 1666 B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.

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 2023-10-17 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2023, XXXX alerted me to a hard inquiry on my credit report from XXXX XXXXXXXX XXXX XXXXXXXX. I did not apply for this or ever authorize them to review my credit. I would like this inquiry removed ASAP.

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I called BMO to close my checking accounton XX/XX/23. I was assured it was closed. When trying to confirm this over secure message, I was informed that it was not actually closed on XXXX. 

I called BMO again to close my checking account on XXXX, thinking it was " just an error '' as I know they are merging with Bank of the West. Again, I was assured it was closed. The rep mentioned some issue with the reason for my closure causing a problem. The reason is simply that I am not using the account. 

Finally, after trying to confirm again that the account was closed, I received a secure message response from them on XXXX that my account still is not closed. Today, XXXX I see no indication that the checking account is closed either in my online account-everything is as its been the last few weeks. It should not take months to close an account  with a XXXX balance, nor multiple phone calls.

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 2023-10-17 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: FL

Complaint narrative:
I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX XXXXXXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all 3 bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap

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 2023-10-17 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: MN

Complaint narrative:
To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 2023-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: IA

Complaint narrative:
My family has had long term financial hardship due to XXXX. XXXX XXXX advised that they can not waive late fees that have already been paid. This is completely unethical because when you go to make a payment online it looks like I have to pay the fee to avoid being reported late on my mortgage. It seems to me they set up the system this way so they dont have to waive fees. This is completely unfair and violates XXXX regulations. I am asking for help in getting these fees waived so we can continue to live in our home. I received a late fee XXXX of XXXX, XXXX of XXXX, XXXX of XXXX, and XXXX of XXXX. The response that they cant wait the fee if its been paid is completely unethical and they should not be allowed to cheat customers this way. The only reason why the late fees were paid because they make it appear that I didnt have a choice or my payment would be reported late to the credit agencies. I am just asking for the ridiculous XXXX fees to be waived. This fee is absorbent and completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX 15 U.S.C 1

681 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17 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: FL

Complaint narrative:
I submitted dispute with CFPB on XX/XX/XXXX for the following item XXXX  XXXX They have come back saying the information was verified I am now sending facts showing the inaccuracies with a copy of credit report showing inaccuracies. 

XXXX  XXXX each bureau reports a different date of last activity, different dates listed under " date of last payment '', the balance is higher than the high balance, The open date is different on all XXXX bureaus, you said date of last payment was XX/XX/XXXX but in payment history it shows on time payments were made in XXXX, XXXX, and XXXX. how can this be? How can the credit bureau claim information is verified when inaccuracies persist on the credit report? This raises questions about the effectiveness of their verification process and the need for transparency and accountability in credit reporting. At this point, I can't help but feel like I'm being discriminated against. I demand this account be removed asap

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 2023-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Date : XX/XX/2016. 
Amount : {$2500.00} My checking and savings account was close by bank of america and I did call they not telling me why my account was close, I have remaining balance of {$2500.00} in my saving account, I call the bank of america several time to let me go inside branch to receive a cashier check inside the branch immediately but they want me to wait all 5 days to get approved I really need to get my money, my money is in my savings account I need to get access to my money I need access to go inside a branch to get a my money inside branch I have hardship I will be home with my XXXX if I don't have access of remaining balance I my saving I have ret due

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 2023-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Bank of America XXXX XXXX. Cashiers Check Lost in Mail! 
Would like someone to call me and reach out. 
My purse was stolen. Shortly thereafter, I received a letter in late XX/XX/2023, stating my account had been closed due to suspicious activity. I understood. I had a little over {$4900.00} in the account. A check was to be mailed XXXX XXXX XXXX. It has yet to reach me. Im moving and need my money. I called Bank of America, spoke to XXXX in fraud, very helpful. I went to the bank, they researched the check had supposedly been sent XX/XX/2023. I have yet to receive it. That is all the money I had in the bank. I need it to be overnighted and I will remove this negative comment afterwards.

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 2023-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Last car payment was for a different amount and the autopay would not accept the last payment. Credit report shows account deliquent

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 2023-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened a XXXX by XXXX XXXX  XXXX XXXX account in XXXX funded it from my other bank with XXXX dollars, a week after XXXX closed my account and sent the money back to my bank, only thing is my account with that institution was already closed so the funds would get reversed. XXXX keepers giving me the run around when I know they still have my money? l, theyve had it since XXXX and theyve been keeping it interest free since then

Company response to consumer: Closed with explanation