vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
DISCOVER CARD is charging me the outrageous late fee of {$41.00} plus interest on the balance! 

NOTIFICATION : I shall file for bankruptcy if I am required or forced or harassed or intimated to pay {$41.00} in a late fee! 

My beloved wife XXXX and I are very devout XXXX XXXX of advanced age with very seniors medical conditions, problems, and challenged and live solely and exclusively on Social Security on which we CAN NOT MAKE ENDS MEET and on top of this there is SOARING INFLATION! 

Yet these cruel and brutal " human beings '' at Discover Card are demanding a pound of flesh from us and our blood! And they take no prisoners! 

Nor does dysfunctional Congress nor the CFPB nor the Board of Governors of the Federal Reserve nor the Comptroller of the Currency nor The White House do a thing about these outrageously high late fees and Discover Card is by no means alone in this! 

TO REPEAT : I SHALL FILE FOR BANKRUPTCY AS I CAN NOT PAY THESE LATE FEES AT {$41.00} A CLIP FROM EVIL DISCOVER CARD, EVIL FOR SUCH CHARGES!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-15 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: CORELOGIC INC
State: IL

Complaint narrative:
VIOLATION TO CONSUMER FCRA AND METRO 2 XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-15 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: IL

Complaint narrative:
VIOLATION TO CONSUMER FCRA AND METRO 2 CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: NC

Complaint narrative:
In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XXXX 2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with 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 2023-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
I opened a rewards checking account using the promo code XXXX in XXXX. I fulfilled the terms of the promo in XXXX. 

I have not received the {$300.00}. I messaged the company 1 week ago and according to their website a case hasn't even been opened - more than 5 business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In XX/XX/2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XX/XX/2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with 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 2023-02-15 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:
In XXXX 2022 I had my credit score run when I was looking to buy a house. My score was XXXX because of my nearly perfect credit history ( i.e. no missed or late payments, no outstanding accounts ). A few months later, I noticed that my credit score dropped significantly, over 100 points. I looked into this further and it turns out that one of my credit cards that I don't use -- my XXXX card -- had XXXX unauthorized charges on it for {$10.00} and {$18.00} in XX/XX/2022. I was not made aware of this until XXXX when I noticed my credit had dropped, because XXXX reported the unpaid charges and associated late fees equally {$120.00} to all three credit agencies. I immediately reached out to the XXXX XXXX XXXX XXXX department to clear this up. I disputed the charges, which were refunded and my account balance returned to {$0.00}. However, all three credit agencies are still reporting a 60 day late notice on my credit report, resulting in a dramatically lowered credit score, which really has disastrous effects on my financial life at this point. I have disputed this issue with all three credit agencies twice, and this issue has yet to be resolved. I am attaching documentation showing the {$28.00} and associated late fees refunded by XXXX to show my account back to {$0.00} and in good standing. I desperately need this off of my credit report, which was previously perfect without any late payments or outstanding accounts. As a financially independent single person trying to buy a home and make a life for myself with high student loans and no financial help from family or friends, it is imperative that I maintain good credit to be able to achieve my goals. I've worked incredibly hard to keep my credit perfect, and this has been an incredible source of stress and concern, and an issue that can cost me tens of thousands of dollars over time if I take out a mortgage or car loan with a lowered credit score. Thank you very much for your help in having this 60 day late fee notice removed from my credit score at all three credit agencies and repairing my credit and credit limit with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In accordance with the fair credit Reporting Act Bank of America has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a 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 monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I paid this debt off with XXXX apartments, and National Credit syst. picked it up and i disputed it, and my credit score drop another XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
Private student loan with Navient was discharged in XXXX XXXX bankruptcy on XX/XX/2023. This loan was above and beyond costs to attend the university, and therefore dischargeable in XXXX XXXX Navient continues to report a charge off, balance due, and late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX took me to court for an Bank of America credit card debt several years ago and I explained to them I was in the process of applying for XXXX and since I was awaiting a response had no income which caused this to occur. I spoke with the Attorney after the court proceedings and supplied my XXXX paperwork and other information to him. He advised me he spoke to Bank of America and explained the circumstances and they agreed to write this off and stop collection activity yet the company has contacted me on multiple occasions since then threatening another legal action once and now again asking for me to pay them lump sum. I have called them multiple times since and explained asking for an attorney to contact me about why they are not following agreement but no one calls me back. The attempts stop for several months or longer then start again.

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 2023-02-15 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: PA

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 : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX 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 2023-02-15 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC
State: FL

Complaint narrative:
I XXXX XXXX have never signed a HIPPA release form with XXXX XXXX or XXXX therefore these are clear HIPPA violations and I want these deleted immediately from my credit ; HIPPA laws protect my personal medical information from being used without my consent and you are now aware of the clear HIPPA violations please delete immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.

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 2023-02-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for a credit limit increase on my card as I have excellent payment history and use autopay set monthly and have never missed a payment. They sent denial stating multiple reasons that are not true and I don't know where this is coming from and I have checked my credit reports and do not see the issues they are stating and other cards have given me increase with no issue and have not mentioned these supposed issues. 

The issues they state are Delinquent or derogatory real estate secured loan Balances on delinquent or derogatory revolving accounts are to high Delinquent or derogatory account Too many delinquent or derogatory accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/ 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.

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 2023-02-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to comply with the request of the investigation. I specifically asked to provide the names and business addresses of each individual with whom Experian verified the information in question, so that I may follow up, and yet again, Experian has not done so. I have highlighted this section in the letter provided. Experian is not conducting proper investigation and need to be held accountable for this harmful act.

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 2023-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2022, I went into my portal to pay my Capital One bill which at the time showed on the balance due screen a balance due of {$550.00}. I initiated that payment assuming that my bill was taken care of, however unbeknownst to me in XXXX I received an update from my credit reporting app that I had received a 30 day late payment from Capital One. After calling into Capital One to get clarification on why this payment was reporting 30 days late, I was told that the payment should have been {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
XXXX is not performing in a manner that is fair and equitable toward me as a consumer. My dispute dates back to XXXX XXXX, 2022 and has been ignored and unresolved without the proper evidence being provided to me. It is now far beyond 60 days of investigation as evident by prior cfpb complaints and the date of the letter attached. XXXX is not providing relevant nor accurate reporting on my Consumer file. They have assumed a vital role and are only serving to do me harm and a great injustice by not deleting the accounts I have requested to be deleted. I am demanding that the accounts I have listed be blocked and deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief