vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX  and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. 

I thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.

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: 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: TX

Complaint narrative:
As a consumer my rights has been violation by law ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

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

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My school closed down and my payments went into forbearance and I had been making payment but since I didnt graduate I dont believe I should be responsible for paying the XXXX I have in school loans for that school. I need help.

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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I attempted to deposit {$100.00} in cash to a Huntington bank ATM on Saturday XX/XX/2023 at approximately XXXX XXXX at the branch on XXXX XXXX in XXXX XXXX. The ATM took my cash but did not credit my account or give me a receipt. I have tried 4 times to call the bank and they keep transferring me to customer service but there's no option for the problem that I have. The folks at the branch keep telling me there's nothing they can do and they hang up on me. I've not been able to get any resolution and I've lost {$100.00}.

Company response to consumer: Closed with 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 — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
Hello I am filing this complaint because the band Planet Home Lending that I was paying my monthly payment. I applied for and natural disaster forbearance because of the Covid pandemic. Unfortunetly the pandemic affected our house hold income because my wife lost her hair salon business because of the pandemic. We had no other choice but to apply for this help because income was affected. We eventually sold the home in XXXX of 2022 I informed Planet Home Lending of this. And they said ok no problem and not to worry. So we closed and Planet Home Lending was paid in full I even received a letter stating that. At no point in time did they say thye will report a late payment when they had no reason or right to do so. They did this after they received full payment without notifying us. And they knew that my spouse lost her business because of Covid. So this report of late payment has affected my score and my spouse score and now is making shopping for a new mortgage very difficult because the lower score we can only get bad interest rates. I have contacted the bank nuerous times and I just get the run around i had 2 supervisers tell me thye didnt report anything and then I have another superviser saying they did. Very rude and not caring at all. All I want is this late payment which shoulf not be there removed off my report and my spouse please. 
Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX 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 an 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 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX Account # XXXX  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 an 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY A

CC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Wrote letter to Frontier Barclay MasterCard regarding charge for Frontier Airlines for {$590.00} for their Go Wild pass which was charged on XXXX XXXX. Also disputed with frontier. Their response was can not cancel, however in their ( Frontier ) terms and conditions it clearly states pass can be canceled. Service product does not Begin till XX/XX/XXXX Frontier claims you can go on their website, login under your account and go to section- XXXX XXXX XXXX and cancel at any time but when you go online that option is not available. And as of XX/XX/XXXX they are still selling that pass

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: 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: MD

Complaint narrative:
On XX/XX/XXXX I sent an investigation request by mail to TRANSUNION, XXXX and XXXX with non-response. Additionally on XX/XX/XXXX sent a SECOND NOTICE investigation request to TRANSUNION, XXXX and XXXX and as of XX/XX/XXXX I have not received a response or corirmation that my request has been received. 
XXXXXXXX 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 XXXX 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 2023-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I visiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Truist location to pay some bills. I have been in the location a total of 3 times. I was given a document by XXXX I believe to be forged by the employees at said Truist. The document stated that they were going to trespass me because of my behavior at the branch. I can no longer go into the branch to pay my bills. I believe I am being discriminated against due to my veterans and XXXX status. I have never been rude, threatened anyone, nor even said a cross word while in the location. I called and spoke with customer service over the phone and there were NO annotations in my account as to any negative remarks or mention of the letter in any of my accounts. I asked for both the regional manager 's number and the number of the individual who wrote the letter from corporate security and both of which I was refused. The individual who forged the document needs to be terminated and possibly prosecuted for forgery of bank documents. I would caution anyone who is contemplating banking here against it if the employees at this branch are willing to type letters stating they are from corporate security yet corporate has no documentation of the situation.

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: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
During XXXX or XXXX, I fell behind on loan payments with Wells Fargo due to a change in jobs and having to work out of state. I went through many people trying to modify the loan and was basically denied the modification of lowering the interest rate and ended up having to pay a {$10000.00} payment to Wells Fargo. I still own this home but wanted to see if I am eligible for any of the settlement funds.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I found a complaint with the Ohio attorney general 's office I filed a complaint with XXXX XXXX personally and I also wrote two judges XXXX XXXX XXXX XXXX agreed to give me a loan modification I had a bankruptcy dismissed and I missed it at XXXX XXXX sold my home and had me evicted from my own home there's still on my credit report I had no knowledge of the title being taken out of my name and they're making it impossible for me to obtain housing due to the inaccurate reporting on my credit I would like for XXXX XXXX balance amounts to be zeroed out and for the eviction to be removed I paid taxes on my property and then my property was taken out of my name which currently left me homeless I'm trying to obtain housing and the credit report is holding everything up. I contacted her and was told this is clearly mortgage fraud and more action needs to be taken in reference to this issue..

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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX reported {$440.00} bad debt collection to my experian account in XX/XX/2023. XXXXXXXX XXXX XXXX states My account was improperly closed however, the proof is provided that the account was closed successfully.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have written letters and sent them certified for years asking that Equifax correct my name 's spelling. This has affected me tremendously for years. I just learned that I could file a complaint with your agency to get assistance in resolving this matter. 

My name is XXXX XXXX. " Not XXXX XXXX '', which is currently reflected on my Equifax credit report. There are also accounts that are attached to that name that does not belong to me.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
several attempts to get XXXX accounts corrected and updated as PAID. XXXX XXXX XXXX. i have also attached her Credit Report showing the Factual proof that the Credit Bureaus Failed to update the account so it can reflect Paid. both accounts have been PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: IL

Complaint narrative:
Debt is not owed

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: OH

Complaint narrative:
Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} 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 2023-03-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Fraudulent accounts and Inquiries appearing on credit. 


XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$9400.00} XXXX. XXXX XXXX XXXX {$4300.00} XXXX. XXXX XXXX XXXX XXXX

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I sent out a letter to the credit companies to remove unauthorized inquires from my credit report 30 days ago, and still no response. I also sent out a demand to comply letter because they have yet to respond and not complying with their own policies in a timely manner.

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