vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The issue is with the account I have with XXXXXXXX XXXX XXXX for credit card ending in XXXX that I have paid XXXX XXXX XXXX the {$47.00} balance in full since XX/XX/2023 as pictured in my attachments showing both a payment conformation email from XXXX XXXX XXXX  XXXX and a debit card transaction receipt from my bank showing the payment was debited from my card ; but, XXXX XXXX XXXX wrongfully and repeatedly reports that there is a due balance of {$47.00} still due. I have disputed this with the credit reporting bureaus several times and this unjust behavior of XXXX XXXX XXXX  still persists, and all three credit reporting bureaus continue to report that there is a {$47.00} balance still due on the account despite me showing evidence to the contrary and that this account has been paid in full since XX/XX/ 2023. As result, one of my credit scores droppped XXXX points due this willfully erroneous reporting from XXXXXXXX XXXX XXXX, thus they are damaging my credit and harming my quality of life.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Credit Cards I have a Quicksilver and a XXXX card with this company and at times when i balance and check my card activity, i am owing more than what my balance says and this is going by there website, for example i will owe an extra {$30.00} and this has happen sporadically, so i will just adjust my balance to capitals figure and go on. I suspect some wrongdoing on their part but am not sure how to prove it. Another instance in XXXX was when i deposit a XXXX check and my account should have been {$20.00}, but it showed {$22.00}, so yes i had a credit of XXXX but there was no reason given. I would like to know if i am the only one having these issues and if the is a pending lawsuit against XXXX, i would be interested in joining.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Long and short of it, XXXX XXXX, owned by a company known as Mr. Cooper, has deducted a {$1000.00} escrow payment we made to our previous servicer, XXXX XXXX XXXX, from a {$2500.00} Escrow Balance that transferred when XXXX XXXX acquired our loan. Full documentation of all transactions is provided in the attached files. Question is, where did the {$1000.00} go? A question that's yet to be answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The three credit reporting agencies are having names on my credit reports that is not for me and address that I do not leave in. I have requested that it must be removed and nothing has been done. 
My name is XXXX XXXX. No other names should be in my credit report. 
my Adress is XXXX XXXX XXXX XXXX XXXX ny XXXX no other address should be in there.

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 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: IN

Complaint narrative:
I called on XX/XX/XXXX  at approx. XXXX XXXX  on my XXXX XXXX credit card backed by the ELAN bank. My statement due date was XXXX XXXX XXXX  and my balance was {$970.00}. I paid on XX/XX/XXXXXXXX  {$630.00} and also an automatic payment of {$65.00}. So on XX/XX/XXXXXXXX  my balance was {$270.00} which I understand the APR interest of 28.24 % would be charged. By my calculations would be {$6.00}. 
They were charging me {$21.00}. When I called they explained that no matter my balance left over, they would charge interest over the total statement balance. I asked for a supervisor ( XXXX XXXX and she stated the same thing. This went on for about a half hour explain to them that interest should only be charged on what was not paid off. She reviewed my records and reversed my charges after I stated I would file a claim with the CFPB. I will be paying this card off and not using it in the future. But I infer that this is how they charge other customers.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to dispute an unauthorized hard inquiry that has recently appeared on my XXXX credit report. Upon reviewing my credit report, I noticed an inquiry from Bank of America XX/XX/2023. I did not authorize this inquiry, and I am concerned about the potential impact it may have on my credit score. 

I have not applied for any new credit or made any inquiries with Bank of America ] during the time period in question. Therefore, I believe this hard inquiry was made without my permission. I have also taken steps to ensure the security of my personal information and have not shared my details with any unauthorized parties. 

I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report, as it is negatively impacting my credit score and may be indicative of fraudulent activity. 


I also request that you provide me with a written explanation of the outcome of your investigation and the actions taken to rectify this issue. 

I am confident that with your assistance, we can resolve this matter promptly and restore the integrity of my credit report. Thank you for your attention to this dispute. 

Sincerely, 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 2023-12-23 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 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: VA

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These ACCOUNTS should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the ACCOUNTS, listed 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 non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have XXXX and XXXX. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and XXXX only applied 2 months. XXXX didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted XXXX and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

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 2023-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
I have PSLF and TEPSLF. I have reached 120 payments and accounts should show as paid in full. My employer certified my most recent months of employment and Mohela only applied 2 months. Mohela didn't apply XXXX and XXXX in an effort to prevent me from reaching 120 payments. They purposely placed me in a forbearance when I didn't check the box to be placed in forbearance. I contacted Mohela and they advised me I was in repayment however the representative provided false information that I was going to receive a letter that i reached 120 payments. I never received said letter and the only letter I received was that I had 118 payments and 2 didn't qualify. This is unfair and unjust because they are not applying the payments. My payments are {$0.00}. lease update my account status to paid in full so my true account status can be reflected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My online account has bill pay which sends bills electronically. I am the one who determines to whom the checks are sent the amount et when they are sent. I specifically set up a bill payment to be sent on Thursday XX/XX/XXXX however Wells Fargo did not respect that et sent it today. They sent a bill without my permission. I contacted customer service but they were extremely rude et XXXX the situation. They continue to XXXX et state that I set up the bill for today et I did not. I am fully aware of when I request et initiate a payment to be sent however XXXX is arguing with me stating that I did not. This is ridiculous I know to whom the amount et the time a bill pay is to be sent as I am the one initiating it. I am disgusted by their blatant disregard et XXXX  They are now forcing me to pay huge interest in overdraft fees which I I should not have incurred in the first place. Their error et faulty shady ways should not jeopardize customers. They continue to be dismissive et rude. XXXX from the XXXX XXXX is refusing to give any assistance Desired settlement : Billing adjustment ; Contact by the business ; Correction and stop XXXX. Stop blaming customers for your errors

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 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Personal Cash Loans of SC, Inc.
State: SC

Complaint narrative:
kinsmith finance has been sending my info to people in the state of XXXX there is no reason why my information should be at someone house in XXXX my ex wife got a email on XXXX saying they got a letter from you people and also my rights have been violated i told u guys to stop all communication with me and my references but yet you still communicate with me which is against the law so again my lawyers will be in touch i can't do anything for u and also a copy of this letter and all correspondence showing i told you guys to stop all communication and proof showing my information was sent to texas and proof showing i live in state of XXXX  to XXXX XXXX attorney general office

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
At XXXX XXXX XXXX, I called Capital One customer service as listed on https : //www.capitalone.comXXXXXXXX XXXX XXXX XXXX to inquire about why my account showed an interest rate of 30.74 % instead of the promotional 0 % offered to me when I applied for the credit card ; I also offered the sign-up spending bonus of {$200.00} after spending a minimum of {$500.00} within the first 3 months of opening an account. 

I was then told by customer service that neither promotion was applied to my account, with no specific reason given. The terms on the website state that the promotional credit is offered when clicking Apply Now through the website, which I did. 

This promotion directly influenced my decision to apply and use this credit card, so not receiving it as promised is problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CO

Complaint narrative:
I was scammed thinking I was taking to a customer service representative from my bank I did not give out my bank information he hacked my account simply by me signing into it and then had me enter what he said was a code that would allow him to over ride my pending transaction so he could cancel it. It was actually the name of his account XXXX XXXX and it send him all my money. I did not enter an amount he actually transfered funds from my savings to my checking and took everything he even had me type in refund since that was the reason I was calling to get my money back from a transaction that couldn't be processed. But I never gave permission to transfer funds not did I give out my information, and I never transfer funds to anyone. The bank will not even investigate it even though I have the text messages to prove this guy was pretending to be the bank I even have witnesses that over heard the conversation since I had him on speaker phone. I am trying to get a court order to obtain the conversation I had with the guy pretending to be a bank representative. I also filed a police report and so far that has gone nowhere. I was scammed, hacked and this was fraud I did not authorize this and {$2000.00} was taken from me that was my rent money. I'm a single mother and that's a lot of money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 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: Phoenix Financial Services LLC
State: TX

Complaint narrative:
In XXXX I had received a call from Phoenix about a medical bill which had been turned over to them. I was walking into a meeting at that time in which I asked the man XXXX to call me back in a couple of hours to discuss this in detail and he said he would. Never got a call back. I called this company to see what was going on and got ahold of a different rep in which he said he would get the XXXX who was over my account the message to get back with me about getting a copy of the original bill to send into my insurance. A few hours later I get an email with a settlement offer letter stating if this wasnt accepted they would report to the credit bureau and never the bill. I replied right back to the email again requesting the original bill and got no response from there. All these phone calls are recorded on Phoenixs end. I disputed this and explained this to XXXX and after 20 days nothing changed and they closed the dispute saying it was valid. Wanting to take care of this and get this collection account off my credit report and hurting me. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I changed my phone number due to harassing phone calls from my ex-husband. I didn't change my two factor authentication number before because once the phone number was changed, I could not receive the code to access my account. I have a coming credit card payment that I can not pay because I can not log in. I spoke to 2 representatives on XX/XX/XXXX- the first rep left me on hold for over 30 minutes then disconnected the call without calling back. The second rep told me to go to www.usaa.com/XXXX  and provide my Drivers license to verify myself and I would receive an email within 24 hours to access my account. It is XX/XX/XXXX and no one has called back for over a week. I tried to login to see if anything changed and I still can not get past the 2 factor authentication with my old phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: LA

Complaint narrative:
On XX/XX/ I filled out a prequalified form to get loan but was denied reasons where too many inquiries and recent open accounts. XXXX credit report was pulled, however I obtained a copy of my XXXX report and also spoke with XXXX and the information gave for my denied is false, I then contacted them and after they investigated the issue they advised me that their system gave a false denial but they can not do anything about it because they claim this never happened before,

Company response to consumer: Closed with explanation