vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXXXXXX  I accepted a new credit card at XXXX XXXX XXXX XXXX XXXX FL. I received an electronic statement dated XX/XX/XXXX. I erroneously created a billing which had transposed my credit union and bank routing and account numbers and so my payment was returned on the XXXX of XXXX. I was charged late fees and interest before I realized that the account was not paid in full. The XX/XX/XXXX statement ( now more than double the original charge ) was paid in full on the XXXX of XXXX. The XX/XX/XXXX statement charged a {$2.00} interest on a " balance of {$24.00} ''? this interest calculation was {$0.00} but the minimum charge of {$2.00} was added to the statement. Knowing that I HAD paid the balance in full, I did not open any statements from Comenity.net/Goodsamrewards. It was not until I started getting frequent phone calls from Comenity, and ultimately messages left. I have documented all of these for you in an XXXX spread sheet Their excessive calls are outside of the law, and as before ( XXXX XXXX  ). I have absolutely NO intention of paying this outrageous collection of interest and late fees for a bill paid in full prior to the due date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-29 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: MA

Complaint narrative:
Dear [ CFBP ], I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding my disputed XXXX XXXX XXXX and XXXX XXXX accounts. I have repeatedly disputed these accounts on various dates, including XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XXXX, XXXX. 

To my dismay, despite my efforts to rectify the situation, Experian, the credit reporting agency, has put both accounts back on my credit report without any prior notification. This is highly concerning as it directly undermines the accuracy and integrity of my credit history. 

It is important to note that XXXX was successfully deleted from my report on XX/XX/XXXX, and XXXX was likewise removed on XX/XX/XXXX. Having provided Experian with all the necessary documentation to support my claims and ensure the removal of these accounts, I find it deeply troubling that they have been reinstated without any valid reason or explanation. 

I kindly request your intervention in this matter. I believe it is crucial for the CFBP to be aware of these unfair practices, as they not only affect my personal financial standing but also potentially harm other individuals who may be facing similar situations. 

I urge the CFBP to thoroughly investigate this matter and ensure that Experian adheres to the highest standards of accuracy and accountability when handling consumer credit information. Additionally, I kindly request that Experian be instructed to promptly remove the disputed XXXX XXXX XXXX and XXXX XXXX accounts from my credit report, given the evidence and documentation I have already provided. 

Thank you for your attention to this matter. I trust that the CFBP will address this issue with the utmost urgency and provide a fair resolution.

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.
State: IN

Complaint narrative:
I was contacted by Wilber Group regarding a vehicle accident that occurred in XXXX. The person involved in the accident ( not me ) did not have permission to drive my vehicle. I had originally stored the vehicle with family in XXXX. The individual that involved in the accident took the vehicle without my permission and drove it to XXXX  where they wrecked it and caused property damage. 

Wilber Group has made repeated calls to me, threatening to forward information to my state and have my license suspended. After speaking with them several times and explaining I am not responsible for damage caused by someone that took my vehicle without permission, I still continue to receive phone calls from them. 

The last representative that called me said I was compelled by state and federal law to pay for the damages. After consulting a lawyer, Ive determined this is just a tactic used by them to try to get me to pay a debt Im not responsible for. The representative couldnt even tell me what law he was referring to. He also claimed my license would be suspended if I ignored their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reached out to XXXX XXXX  regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. XXXXXXXX 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 2023-11-29 00:00:00
Product: Credit 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: CA

Complaint narrative:
On or about XX/XX/XXXX  someone hacked into my XXXX account and posted XXXX seller listings that generated over {$5000.00} in sellers insertion fees. XXXX recognized the fraud and credited all but {$660.00} in fees to my account for this fraudulent activity. Despite repeatedly asking for the {$660.00} to be credited back to my XXXX account, XXXX failed to do so and an agent at XXXX told me on the phone to just file a dispute with my credit card company reporting the identity theft and fraud, and it should be no problem in getting credited back the funds. On XX/XX/XXXX  the {$660.00} charge appeared on my statement and I immediately contacted Barclays to dispute it on the basis of identity theft and fraud. At that time a temporary credit was issued and I received a letter confirming account closure due to suspicious activity. I received no further correspondence from Barclays until on or about XX/XX/, when I received a letter dated XX/XX/XXXX  stating that the matter had been resolved in my favor : ... '' after conducting our investigation, we have determined that you are NOT [ emphasis added ] responsible for the reported fraudulent activity ... '' Notwithstanding that, on XX/XX/XXXX  I was shocked and chagrined to find that despite the foregoing, my Barclays credit card was again charged the very {$660.00} that I was told I was not responsible for! I called Barclays customer service on XX/XX/XXXX  to see if such an obvious mistake could be immediately rectified, but the representative simply stated she would re-open the dispute and assigned me a case number. She requested I fax a copy of the very letter dated XX/XX/XXXX  that exonerated me, ( which clearly Barclays should have already had as they authored it ) along with information about law enforcement agencies I had reported the matter to. There was no immediate resolution in my favor as I had expected given the letter I had received. However, in the spirit of cooperation, I did provide fax to Barclays the requested information that same evening on XX/XX/XXXX and also followed up with a copy of the same correspondence by U.S. mail with a tracking number.

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 2023-11-29 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
XX/XX/XXXX  Chase notified me via text of suspicious activity on my account from a XXXX merchant. In the text, it requested I review my transactions and report any that were not valid. After checking and seeing multiple charges from the same/similar vendors, I called to report the other purchases. I was told this would be included and removed. 

I received my new card. I checked to make sure the other transaction ( s ) were removed. They were not. I called, and was told they have this submitted and it will be removed in about a week. A week came and went and it was not removed. The other transactions had been, however. There was still a XXXX charge from this vendor that had not been removed. 

XX/XX/XXXX  I called again asking about the credit. I was told this will be on the account the following day, XX/XX/. 

XX/XX/XXXX  the transaction was still on my account. I called 3 times this evening. I continually was told the transaction credit was there. I was lied to, hung up on, they muted themselves, would not transfer me to a supervisor, and continually insisted I was not looking at the transaction history correctly. On the last phone call I asked for a way to submit a screenshot of what the XXXX is showing, since clearly if a credit is there there is a problem with their customer portal not pulling in the backend transaction tables. I took a screenshot before the 3rd call so I could assist them in researching their problem, since although I asked for a payment history on the first call I was hung up on instead. 

The last individual transferred me to their web support team to report this XXXX issue. When I was transferred, magically the credit now appeared. I have a screenshot prior to that last phone call that clearly shows the credit was not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: ME

Complaint narrative:
I set up auto payments on my student loans a month ago for when the forbearance ended. EdFinancial confirmed that my card information was correct and that my auto pay was set up correctly. The due date came, and they took payment on XX/XX/, but then cancelled it without notice at all. Now my loan says Im past my due date when I did everything I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: TX

Complaint narrative:
I'm sending this complaint to request credit inquiry that was unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiry that I did not authorize. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I registered for an XXXX XXXX  with Dave ( XXXX XXXX XXXX XXXXXXXX ). During a trip to Florida I received some weird text messages requesting to access my account. When I further looked into the situation, there were three XXXX XXXX  taken through the Dave mobile application on XX/XX/XXXXXXXX  ( in the amount of {$200.00} ), XX/XX/XXXX ( in the amount of {$200.00} ), and XX/XX/XXXX ( in the amount of {$200.00} ). I contacted Dave on XX/XX/XXXX after contacting XXXX  XXXX XXXX on XX/XX/XXXX, notifying them that I was a victim of fraud. That someone had taken cash advances and sent them to a debit card ending in XXXX, which is not my debit card. The only debit card that I used and registered with my Dave profile, were my XXXX  XXXX XXXX debit card ending in XXXX which was tied to my XXXX XXXX XXXXXXXX checking account ending in XXXX. Dave immediately admitted to the fraud and stopped the transfer for one of the charges as repayment from my XXXX XXXX XXXXXXXX account ending in XXXX. The other two charges for repayment of the cash advance came out on XXXX. I have yet to be refunded for both of the charges by either financial institution. Dave has stated that they admit the money was sent to an account that is isn't mine, however they will not refund me. XXXX XXXX  XXXX denied my claim for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 explanation
Consumer complaint received 2023-11-29 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: 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 confidentially under 15 USC 1681.

In accordance with the Fair Credit act XXXX  Account XXXX XXXX, has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without 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 explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The incorrect name and workplace is being reported on my report for Experian. They claim to have fixed it XXXX XXXX   but my name and workplace is incorrect. They have 2 unknown names for me that I have never went by

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 2023-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX XXXX XXXX XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXXXXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/XXXX  and XX/XX/ are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this 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 2023-11-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
I opened a HELOC and they have violated my consumer right by denying me access to use my account which is direct violation to the FDCPA who prohibits debt collectors from using unfair or deceptive practices. Which also state a company can not block your extended credit in an attempt to collect a debt while I continue to make payments. 
I requested that they unlock my line of credit until they prove to me that I will not be able to pay future payments and they have yet to open my credit I have reached out to them multi times to request that they unlock my credit. I am asking that you help me in this matter. According to 15 USC 1681a ( I ) ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer ; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. Before selection of the consumer for the offer it was fully determined only the information on the credit application can be used to determine a firm offer 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 explanation