vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-13 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: CA

Complaint narrative:
Capital One balance $ XXXX Sent a check for total balance {$100.00} on XX/XX/XXXX, check # XXXX. 
Capital one claims they didn't receive the check and applied fees of {$25.00} On XX/XX/XXXX. 
On XX/XX/XXXX I travelled overseas to attend to my father in hospital having a XXXX XXXX. 
I returned on XX/XX/XXXX. 
On XX/XX/XXXX Capital One charged further {$40.00} to bring the balance to {$160.00}. 
I did call Capital One when I realised the charges on my statement and I explained that a final total payment was sent back XX/XX/XXXX! Can they fix their records as I just got notified by the credit Bureau about late payment. After long detailed conversation with Capital One explaining about the unawareness of the lost check payment, travel and insignificant amount not paid they still went on and reported the late payment a day later and damaged my credentials as if they didn't care! I find this action is harsh and unfair especially explanation offered when I was notified and settlement was made. Capital one damaged my credit by XXXX point down across the three credit Bauru 's. Capital one ignored the credit consumer protection bureau laws : Capital one has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604a Section 2 also, states a consumer reporting agency can NOT furnish an account without my written consent finally under 15 USC 1666 b a creditor can NOT treat a payment on credit card account under an open consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2023 I received a call from Macy 's informing me that my credit card account was overdue. I explained that I did not have a Macy 's card. They informed me there was about a {$1400.00} balance on a card opened XX/XX/2023. When I logged into my credit reports, sure enough it was on the all three credit services. I disputed the charge with Macy 's and opened a fraudulent claim, contacted all three credit report services and disputed the newly opened line of credit.

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 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXXXXXX XXXX XX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am a victim of identity theft, and I did not make this Inquiry details XXXX XXXXXXXX XXXX XXXXXX/XX/2022, and XXXX XXXX XXXX Opened XXXX {$320.00}. and XXXXXXXX XXXX XXXX XXXX I am requesting that the charge be removed or DELETED, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 

Enclosed are copies of ( use this sentence if applicable and describe any enclosed documentation, such as Identity Theft Affidavit. Please reinvestigate this matter and ( delete or correct ) the disputed item ( s ) as soon as possible. 
In addition, pursuant to FACTA..as a victim of identity theft I am requesting that you provide me with copies of any and all applications and business transaction records related to the fraudulent account. The copies of the records can be mailed to me at the address listed below. IN addition, please make these records available to law enforcement upon their request.

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 2023-03-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is 3 auto loan accounts reporting on my credit profile and I would like them removed.1 account is 90 % paid off and even says I have no my monthly payment that my monthly payment is 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 2023-03-13 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm contacting you to report that the following accounts and inquiries are not mine and I have been a victim of identity theft. I have listed on a separate document that I will upload all of the accounts reported that do not belong to me. I need these accounts deleted from my report as soon as possible because I am not responsible for these charges. I reported the identity theft to the Federal Trade Commission FTC and have copies of the FTC Affidavit and they need to be deleted IMMEDIATELY.

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 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HOME BANCSHARES, INC.
State: TX

Complaint narrative:
I am contacting you about Centennial Bank, XXXX XXXX XXXX. I have the option to make recurrent payments to vendors. In XX/XX/XXXX, I removed a vendor because of an overpayment and I would no longer be required to pay this landlord on my office lease. In XX/XX/XXXX, despite canceling this payment, they remitted {$2500.00} to XXXX XXXX. I contact Centennial after XXXX returned the checks marked void. Today, I received two additional checks, one dated XX/XX/XXXX and another dated XX/XX/XXXX, for the same amount that was voided and returned. I contacted the bank helpline, and they looked at my recurrent list of payees and my list of payees. XXXX appeared on neither list. They can not explain why. This is a sorry state of affairs. Since Centennial acquired XXXX XXXX XXXX, it has been a total disaster. This is one of many errors. It is my intent to withdraw and close all my accounts once I can switch how they are linked to payees.

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 2023-03-13 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: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am the parent of 2 active college students and 2 recently graduated college students. My sons have used " XXXX XXXX XXXX XXXX '' website to get loans that are serviced by Firstmark services. Firstmark services continues to repeatedly misapply payments I have made to the various loans my XXXX sons have with them, in some cases applying it to different accounts than what was submitted on the checks sent to them from XXXX  XXXX XXXX. This is XXXX second complaint I am filing since the 2021 complaint 's response was factually incorrect. When I mail my payments monthly to Firstmark, I denote on the statement and on the memo line of the check which account the payment should be applied to, however Firstmark applies these payments to all of my accounts in a manner that they see fit, not to the accounts noted. I am filing this additional complaint since this issue has occurred at least 15 times now resulting in errant late fees and multiple collection calls to me for for loans that would not have been past due if payments had been posted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX reported inaccurate information on my credit file and shared it with XXXX and Experian. Attached you will find the letter from XXXX XXXX clearly stating the Bankruptcy in the Public section is unverifiable. Also, XXXX advised the data being reported as unverifiable. Please have them to XXXX and Experian remove the inaccurate data immediately. Attached you will find the letter from XXXX XXXX, FTC file number XXXX, letter from U.S. Courts.

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 2023-03-13 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: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Below following my updated complaint you will find a copy of my previous complaint. Case # XXXX Today I received a letter stating that Wells Fargo needs more time to " complete our research ''. After 30 days of trying to resolve the misapplied full payment on XX/XX/XXXX directly with WF I finally contacted CFPB. Since the contact WF has " backdated " a payment with a XX/XX/XXXX date, However the amount credited, {$1000.00}, is still short as the amount of my payment and the amount charged to my bank and paid by my bank was {$1100.00}. WF promptly reversed their incorrectly credited amount of {$410.00} on XX/XX/XXXX. WF addressed their concerns but, as of yet has failed to address mine. XXXX XXXX accounting was done on XXXX and it appears as if WF 's accounting is no more professional. Banking transactions take place almost instantaneously with complete data tracking yet, after 6 weeks of contacts with WF, along with a complaint logged with CFPB, they now are requesting additional research time. This is beyond the pale. 

( This was my original complaint Case # XXXX ) YOUR COMPLAINT I sent a payment to pay the balance in full for the month in the amount of {$1100.00}. Wells Fargo only credited {$410.00}. They posted the receipt the incorrect amount on XX/XX/XXXX. My bank paid the full amount of the check to Wells Fargo which was drawn the {$1100.00} from my bank on the same date. I have contacted Wells Fargo numerous times over the last 30 days to no avail. I have had to write a check to pay the most recent statement in full although the amount of that statement has yet to be adjusted for the credit due to Wells Fargo 's misapplication of the previous payment. Wells Fargo 's last position is that it would take them another 30 days to " investigate ''. It is time that a higher source intervene in this issue.

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 2023-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synochrony of Sam 's Club Credit has closed my credit card claiming that I had two NSF payments within a 12 month calendar year on XX/XX/2023 for {$40.00} and XX/XX/2023 for {$40.00} from my XXXX XXXX XXXX  account. However, my XXXX XXXX XXXX has no record of these NSF transactions and they are not reflecting on my XXXX XXXX  statement. My Sam 's Club Credit card is not delinquent an any way. I have submitted to Synochrony my XXXX XXXX XXXX statements for XXXX & XXXXXXXX XXXX  and they refuse to accept them as proof that these transactions do not exist and that sufficient funds were in the account on or around the supposed payment transactions. Synochrony wants XXXXXXXX XXXX XXXX to write a letter claiming error. XXXX XXXX XXXX  refuses to write a letter and instead demands that I send Synochrony my bank statements. This is unfair to me as a consumer caught in the middle of such nonsense. I am not delinquent nor have I ever been late or delinquent with this Synochrony Sam 's Club Credit card account. They are ruining my credit score by Merchant closing my account. I demand they reactivate it. This policy is unfair and burdensome.

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 2023-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
I have an ongoing insurance claim through Flagstar Bank ( claim # XXXX ) that is not being resolved. I submitted my check in the amount of {$36000.00} and documentation on XX/XX/23. I was told on 4 occasions by XXXX XXXX that all the documentation was received and accepted. Each time I never received the endorsed check back so that I could pay my contractor for the repairs. Each time I called XXXX to find out when I would receive my funds, I was told that a different piece of documentation was rejected. This was after I was told on 4 occasions that all the documentation was satisfactory. 

As of XX/XX/23 I still have not received the check back in order to pay the contractors as now there is a supposed issue with the contractors W-9. Once again, I was told previously by XXXX XXXX multiple times that the documentation was fine and that the check was being sent to me. The contractors are upset, rightfully so, that they still haven't received payment for the repairs they've done in XXXX and are threatening to take legal action against me if they don't receive payment. Flagstar 's deceptive practices are causing me potential legal issues that will affect my ability to continue to pay for my home.

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 2023-03-13 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: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 15 USC 1681 Section 602 StatesI have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a. consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I activated 5 % XXXX on XXXX and made a transaction of {$150.00} on XXXX in Cash App. However, this 5 % didn't apply. I contacted Cash App customer service many times, but they refused to manually apply 5 %, which is {$7.00}, to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
In accordance with The Fair Credit Report Act XXXX accounts XXXX and XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: WA

Complaint narrative:
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: PNC Bank N.A.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: Atlanticus Services Corporation
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
Back in XXXX I pulled my credit report finding accounts that I had no recollection of doing business with. One of the accounts that have stuck on my credit profile & continuing to hinder my approvals for bank accounts as well employment is NEW CITY FUNDING CORP . This account was opened back on XXXX ' XXXX XXXX. After disputing the account they did not provide any validation, rather serve me with a summons at someone else 's address, with a contract that has my partial name, as well a signature that isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureaus are reporting my accounts wrong and accounting uniform code as a consumer I have the right to have them removed from my credit profile on each bureau. I didn't sign any paperwork that says I have auto loan yet there is XXXX auto loan accounts reporting on my credit profile and I would like them removedXXXX account is XXXX  % paid off and even says I have no my monthly payment that my monthly payment is 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