vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: CA

Complaint narrative:
My account is through XXXX XXXX  My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.

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 2022-08-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Please note that this is not a duplicate complaint. This is about an unauthorized fraudulent debit with a vague description that they have posted on my account for $ XXXX and have also have put my account on restricted status on the afternoon of XX/XX/XXXX. They did not inform me about this debit in any way. I could not sleep whole night because of this fraudulent debit. 
I sent them multiple secure messages about this fraudulent debit and none of those have been answered. 
I just spent XXXX hours on the phone with them and they said they don't have anyone available who can answer any of these questions. I have no idea what they have done with my funds and they are not willing to provide any answers. Last time they put my account in restricted state ( about an year ago ), they called me and asked all sorts of XXXX, biased and stupid questions before releasing that. I should have learnt my lesson back then and closed the account right away but I though that was just a few bad apples but this whole bank is rotten to the core. 

Yesterday evening they posted the debit as TRANSACTION POSTED ON-LINE Pending - XX/XX/XXXX {$250000.00} which gives you no idea what they have done with the funds. Now the same debit is appearing as DESCRIPTIVE DEBIT XX/XX/XXXX {$250000.00} which again gives you no idea what they have done with the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CT

Complaint narrative:
XX/XX/XXXX I received a e-mail from XXXX, Whom I have a account with that I had a Major Derogatory Account that was reported by XXXX. I contacted XXXX, filed a dispute because I did not know what this was, I thought that another Identity Fraud happen since last year I was a victim of Identity fraud. I checked XXXX XXXX and seen my XXXX credit score dropped XXXX points, Which it was XXXX last I checked. I clicked the what changed tab, And a Collection agency ( AFNI LLC. ) was working for XXXX. I paid off my balanced {$340.00} in XX/XX/XXXX and closed my account, 9 months later they are committing Fraudulent charges against me. I dont owe XXXX anything, I paid off all my balance in XX/XX/XXXX, While on the phone with them, And asked them to close my account, Which they did and they try to offer me perks to stay with XXXX since I been with them since XXXX, And never missed a payment. I declined. I returned their equipment at the nearest XXXX store, And that was it. Now they hired a collection agency 9 months later claiming fraudulent charges of {$220.00} that they claim I owe, Which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX {$420.00} and XXXX {$1000.00} has violated my rights. 

XXXX5 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 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 2022-08-13 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: Experian Information Solutions Inc.
State: NC

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


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

15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I sold my car on XXXX the person didnt have a proper form to pay me after I had already given him the keys! I told him if he didnt pay me by tomorrow Id report the car stolen and involve the police XXXX He asked for my routing number and account number I gave him my new pnc because I didnt want to take a chance with my main account. I contact pnc after I got the letter the check was bounced and they asked to get a police statement I did an nothing has happened further. I can no longer open any bank accounts its causing me a great deal of stress

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
loan started with Ocwen now XXXX interest rate XXXX percent this should be illegal for mortgage company to charge this amount gave away money XXXX in interest for a less than XXXX loan i have tried for yrs to have interest reduced do not know why there are not better monitering of predatory mortgage company every few yrs the mortgage company transfer the loan so other mortgage companies can take part in this proxy scheme that should be so illegal XXXX discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my TD auto Finance the one that is open XXXX correctly I have never been late and I would like TS auto finance contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need TD a auto Finance to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX {$420.00} and XXXX {$1000.00} 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 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 2022-08-13 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX {$420.00} and XXXX {$1000.00} 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 2022-08-13 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, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account 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 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 2022-08-13 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account 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 2022-08-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a student loan that's been on my credit for 15 years I've been trying to remove it for 5 years by disputes. Experian will not delete.

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 2022-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I would like to know how I qualified for an 18 % interest rate on a loan where my credit may have not been the best but it was not as derogatory to qualify for that interest rate. I would like to know if I am entitled to some of my money back and if there is a cap on the amount a company is allowed to charge a person. You can go back and check my credit from the time I got the car and I only recall having a collection account along with medical collection accounts. My bills were paid monthly and on time. I believe that the car dealership received some type of compensation for the sale and loan on why the rate was so high. This during a time when the interest rates were relatively low. Then the company does not offer refinancing but its really unfair that I have to refinance when I should have received a better interest rate from the beginning. I think that Capital One needs to refund me some of my money because of the deceptive, unfair, and predatory practices they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian continues to report XXXX XXXX XXXX. It is an invasion of my privacy and a violation of HIPPA. I never gave consent for Experian to report this alleged debt and XXXX never had my consent. Experian has failed to do a proper reinvestigation. The are continuing to report it without validation it and it is a violation of the FCRA.

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 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX offered to take my joint loan application with my wife. Collectively we earn over XXXX per year and have over XXXX in assets. We sent in the application in XXXX and they said they needed proof of income via tax returns, even though I'd shown IRS transcripts and other official documents. I took the time to re-apply XX/XX/XXXX or so, then they decline again but WITHOUT even looking at tax returns. I'd taken the time to do the taxes per their request. I then called a manager and she said I could redo for a lower amount because these people didn't even counter offer. So I redid again at a lower amount, then they FINALLY ask to see the Tax Returns. Then again, they DECLINE based on a blanket statement of the same generic, uneducated XXXX reasons outlined prior, as if they don't know how to read. Perhaps they don't know how to read that we have XXXX in assets of what we want for the loan. I am appalled that they can pretend to offer high dollar loans, but they offer such XXXX analysis and are scared to offer money, and they don't counter.

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 2022-08-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE. XXXX Dear XXXX XXXX : I am very distressed that you have included information in my credit profile due to its damaging effects on my good credit standing with on time payments. As you are aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either yours or the reporting creditors part. It shows on my credit reports from all three credit bureaus that I have delinquent payments from XXXX XXXX XXXX. This is simply not true because I had to speak to a representative every month about my payments and everyone kept giving me the run around and different answers to cause this to happen. Although I did make payments each of these months, the three billing cycles that may cause this confusion are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told by a representative over at Customer Service that you guys did not receive my school deferment information until XX/XX/2020, in which, I started my Spring semester XX/XX/2020. Every month when I spoke to a representative not everyone was on the same page, which caused this confusion. I am very on top of things when it comes to making payments on time and would like this to be taken care of immediately. 


Please be so kind as to forward me documentation that you have had the inquiry about delinquent payments removed.

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 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
Fay Servicing did not provide me a covid foreberance or any alternative options to foreclosure. They falsified documents in order to foreclose and engaged in dual tracking. They implemented forced place insurance and refused to provide XXXX documentation and/or statement of payments. They billed us for services that never occurred such as winterizing that never occurred and appraisals. They filed a motion for us to be evicted despite me being XXXX and relay on electricity. I collect social security XXXX, am a XXXX and have received no offer of assistance from Fay despite meeting all of their document requirements. Can you please contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation