vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/ 2023, I used my XXXX XXXX XXXX credit card to do a Balance Transfer to my existing high interest Capital One Venture Card. My husband did the same That transfer of about {$40000.00} went out of our XXXX XXXX account but it is still not showing up on Capital One account and now they have locked us out of the Capital One Account and frozen our rewards miles because they allege that there is some fraud lock out. They state that the only way to resolve this would be to send our Credit Card statement from XXXX XXXX to them. However, there is no credit card statement available since it is only 2 days since that account was activated. If we have to wait one more month to send the credit card statement, they will charge me interest at 24 % for the existing balance of XXXX. They are holding my funds from XXXX XXXXXXXX XXXX and at the same time charging me interest. Can you please help. We have paid XXXX XXXX a balance transfer fee of close to {$2500.00} ( Which by itself should not be charged ) and now we are paying a daily interest at 24 % for {$40000.00}. Can you please resolve this matter immediately. We are poor self-employed individuals who used the credit card during the XXXX season for purchases and now we are being penalized by the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I have made numerous attempts in finding out the monthly total payments due so I can pay online. I am told don't trust our website pay with an agent on the phone ( which they charge {$5.00} more to do this. ) I shouldn't have to do this. XXXX XXXX is constantly applying the payments to the wrong accounts or stating pay the other fees with the monthly car payment. I do this and the payments never get properly applied and I get late fee 's attached to the gap insurance or my car payment. I was on the phone this morning after I made a payment of {$410.00} on the first of XXXX ( which was supposed to bring everything to XXXX. Then they tell me it was applied incorrectly so I owed another {$220.00} which I paid on XX/XX/XXXX. I get my next bill which states I owe another {$52.00} in late fees. It's a never ending story with this company. You try to speak to their customer service who constantly tell me that it was inappropriately applied but there is nothing they can do. I am tired of throwing money for their website which they have know about since I started working with them back in XXXX of 2023. 
I have paid over XXXX in late fees over the late three months which is absurd. Especially since I was even ten days past the due date. This company is constantly scamming people and needs to be audited by the federal government for underhanded practices especially since they have known about the website not working properly and trying to get another {$5.00} out of people per month per customer. I am sure this is adding up to thousands of dollars per month. PLEASE INVESTIGATE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
failure to file XXXX Creating conflict with IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: FL

Complaint narrative:
In accordance with XXXX XXXX XXXX at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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 XXXX XXXX XXXX at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 2023-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-12-30 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: FL

Complaint narrative:
In accordance with XXXX XXXX XXXX  at this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a, section 2 also states, a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
I am currently in a XXXX XXXXXXXX and my services XXXX XXXX  keeps reporting my mortgage as being late when its not. I have not missed any payments and the amount they are reporting is incorrect and is apart of the bankruptcy. I have notified my attorney and he has not gotten a resolution. When I contacted XXXX they advised that nothing should have been reported and that it was an error on their part. They asked for my XXXX XXXX credit report which I sent showing that they reported it being late twice. How when the company doesnt allow anyone whos is currently in bankruptcy to pay their loan on line!!! My payment gets taken out of my account and sent to the po box they provided.

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 2023-12-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Failure to file 1099-C Creating conflict with IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Signed up XXXX XXXX for Experian 's free credit monitoring service. The privacy notice lists multiple steps to be removed from marketing ( with separate instructions for being removed from phone marketing, email marketing for XXXX years, email marketing for more than XXXX years, direct mailing and so forth ). It even specifies exactly what language must be used in Unsubscribe requests. I followed the instructions exactly. 

I received case number XXXX and was told I did not supply enough information to verify my identity, though I provided exactly the information requested in the privacy notice. They then provided a phone number and a mailing address. The phone number merely tells the caller to use the website and email address. I will of course mail in the paper form ( which requests that I mail in XXXX forms of ID ) but find the runaround ridiculous. They should just say this in the first place.

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 2023-12-30 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: OK

Complaint narrative:
On XX/XX/23, I spoke with Amerihome Mortgage and they said they were mailing me a forbearance application which I never received. I called Amerihome back on XX/XX/23 to let them know I never received the application. They said they were going to mail it to me again. I have never received the forbearance application. I'm trying to prevent foreclosure on my elderly mother 's home while I figure out how to get her caught up on payments. I feel like Amerihome is not helping me in 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 2023-12-30 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: TX

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX advising them that the information on my credit report was incorrect. I sent in my driver 's license, Social Security Card, and a piece of mail with my current address in which I reside. All I received was a letter stating that I must send in identification to change the information. I provided my letters sent in XX/XX/2023 and all I've gotten in return is a letter stating to verify who I am.

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 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I have been with PayPal for over 10 years. In XXXX it looks like my account was hacked with PayPal and an international bank account was added to my account. They awhile and I did not notice. I transferred XXXX and also transferred XXXX they changed my bank to theirs so over XXXX is in the international XXXX XXXX  XXXX XXXX When I called no one spoke XXXX and I was sent an email. The man XXXX said they do not keep any personal information on their accounts. I looked up this bank and the FDIC has flagged them as scams and say to be warmed for international transfers. PayPal refuses to reimburse me or open the investigation because they are saying my IP addresses are being used to log in so it appears to be me but isn't. I am filing all the complaints I can because I only have 10 days to make this appeal. this bank is completely fake. No one will speak to me or help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
When student loan payments started up, they took a payment ( {$330.00} ) without sending me information to set up my new account with Mohela. Not sure how they had my auto debit information transferred over from XXXX because I didn't even have a Mohela account set up. 

I called them to see why my payment jumped so high without warning or documentation, they also had my PSFL pay off date incorrect. The rep stated that they didn't know and advised me to wait as my loan information wasn't even fully loaded in the system. I requested they pause my payments until it was loaded and filled out a new IDR form. They processed my IDR form and I had my first correct payment ( {$76.00} ) processed on XX/XX/XXXX. 

Today I received a new statement in the mail that shows I will owe {$330.00} on XX/XX/XXXX and online it shows my IDR form is back in review. 

I don't understand why it's in review again and why my payment keeps changing. I've gone through all the proper steps and yet I'm still getting incorrect information and new higher payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Its come to my attention that I have been told by each credit bureau that I have delinquencies on my reports. When I reached out to have the error and misleading information to be removed they did not respond to me with the proper documentation and evidence supporting their claims against me. So I would like for them to delete and correct the issues. I explained to them how they are violating the fair credit reporting act and the consumer protection act laws! But they fail to abide by it.

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 2023-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, I have a CD Account with Citi Bank. My account number is XXXX. 

My CD account is matured on XXXX XX/XX/2023. I called XXXX weeks before to maturity date and told CITI person on call that I would opt to withdraw my balance once this CD gets matured. 

When I checked today then I dont see my request in CITI system and still it says I have 7 days of grace period to make selection and it says I can make selection Online too. 

I tried to make my selection on their online portal but it only allows to renew it no option select withdraw. 

So I thought of calling their customer care again and then my horrible experience starts. Call went to a lady In their Call center which is in XXXX and I was barely able to hear her and after XXXX min she finally transferred to another guy whose name was XXXX, thats what he told me. 

This guy was extremely rude and arrogant with me. He never tried to help and instead he tried to just argue. I asked can you transfer call to someone else or your superior but he didn't and just went silent and when i asked again he just hanged up. 

This is extremely poor and rude behavior which i never expected from CITI. You will loose business CITI. I actually thought of opening a Saving account and transfer this fund to saving account but now I'll never go with CITI. 

You need to look into this complain and make some disciplinary action against this guy. 

I called on XXXX XXXX XXXX XXXX XXXX time, my cell phone number is XXXX. Please check your records and look into this. 

On top of that I dont know how to get my money back from CIti 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 2023-12-30 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: TX

Complaint narrative:
My information was sold and purchased illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Bridgecrest is saying that i own them money but cant not show me how so I owe them. I did not do business with them. They are taking advantage of me. They are are causing problems and hardship in my life. They were not able to validate the debt they were claiming. I sent in a ceased and Sis letter to drop the claims and harassment. They are defaming my character which is a civil offense.

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