vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. Upon reviewing my credit report, I have found several errors that I would like to bring to your attention. 

Firstly, the following personal information is incorrect : Account Number : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

Secondly, the following addresses are incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX. These addresses belong to someone else and should be deleted from my credit report immediately. 

Thirdly, the following personal information is incorrect : Account Number : XXXX XXXX and XXXX. These names belong to someone else and should be deleted from my credit report immediately. 

In addition, there are several accounts listed on my credit report that I have no recollection of ever belonging to me. Specifically, Account Number : XXXX with XXXX XXXX, Account Number : XXXX with XXXX XXXX, and Account Number : XXXX with XXXX. I request that these frivolous accounts be removed from my credit report immediately. 

Lastly, Account XXXX : XXXX with XXXX  has a payment history despite being a charge off. I request that this account be deleted from my credit report immediately. 

I understand the importance of maintaining an accurate credit report and I request that you investigate these errors and make the necessary corrections as soon as possible. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
so i got robbed for XXXX. girl in my building asked to cash a check she is a XXXX singer i livew in XXXX i said ok, then next day XXXX was in my account through a boigus check. wells fargo refuses to pay me back, i pad the XXXX to not mess up my credit. they said they arent at fualt and im out of luck. I did not do any of these transaction, i was straight robbed. it has taken me this long to make a complaint because i was working and trying to survive in XXXX with no money. i want to sue, get my money back from wells fargo. they are at fualt. the check was obv fruad. the transactions these ppl did with my account were red flags and they did nothing. this is absoultly ridiculus.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I was approved for a personal loan with Upstart Financial in the amount of {$7700.00}. The repayment term was 60 months, interest rate of 25 %, a loan processing fee of 10 %, and a monthly payment of {$220.00}. To date, I have paid approximately {$2100.00} towards my personal loan. However, I was checking my balance online and my account states I owe {$7800.00}, more than my original loan amount of {$7700.00}. 

After reviewing all of my payments made over the past 14 months, Upstart Financial has not applied any of the payments towards my principal. I contacted Upstart and talked to a manager to find out what's going on with my account since none of the {$2100.00} in payments were applied towards any part of my principal balance and now I actually owe more than my original loan amount. 

The manager advised me that their company charges the financial charge each day at the rate of 25 %. I was never informed by Upstart that the finance charge was going to be assessed each day on my balance. This type of lending is criminal and predatory. California and Federal law prohibit daily and compound interest by any lender. 
Charging my account daily interest ( without my knowledge ) is in direct violation of the Consumer Protection Laws and TILA. In XXXX, Governor XXXX passed a law placing a cap on interest rates, excessive fees, and requiring interest calculations to only be calculated as simple interest annually. 

Lenders are prohibited from charging any interest during a deferment and during any grace period. Upstart has charged my account significant and unwarranted interest and fees during these periods on my account. For the record, my payment due date is the XXXX of the month. For example, my XXXX payment was due on XX/XX/XXXX, and I have a 15 day grace period. The payment was made on XX/XX/XXXX and the entire payment was paid towards interest. I have contacted your company several times to change my due date to the XXXX of the month. I work for the State of California and only get paid once a month on the XXXX. Your company clearly stated in writing that I can utilize the 15 day grace period and there would not be any type of penalty. However, this was a lie and every payment made after XX/XX/XXXX, has only been applied towards interest. This is prohibited under the laws and need to be corrected immediately. 

Payments are required to be posted the date received and the lender is forbidden from charging and additional fees or interest, after the date payment is received. I had two prior loans with Upstart that I paid off. The payoff cashier 's checks were sent to the over night address and Upstart held onto the payments for over 2 weeks, while charging daily interest on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MA

Complaint narrative:
I had received an email at XXXX as that's what they have on file in regards to them supposedly just deciding to give me a credit of XXXX when XXXX was the problem... they said it would appear on the next statement but the statement started now. I'm not sure how I can get my rewards statement credit faster than this credit... are they saying it's going to take another month I mean XXXX could have given faster if that's the case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
My husband and I have banked with Jefferson Bank of Missouri for years. On XX/XX/XXXX I opened a new checking account at Central Bank of XXXX. After I opened this account, I called Jefferson Bank of Missouri to close that account. They refused at that time, and said they would be able to cancel it on Thursday, XX/XX/XXXX. Their reason for refusal was due to pending items to be paid. They did not close the account as they said, and since then, I have been charged at least {$1400.00} in overdraft, return fees, and maintenance fees. On XX/XX/XXXX Jefferson Bank of Missouri took {$1800.00} from my Central Bank Checking account to cover the excessive fees they charged me over the last 2 months despite my request to close the account. This left me with only {$180.00} to live on. When I called them, they said they would only return fees charged in XXXX because they had been sending me notifications of these charges. I have checked both my husbands and my emails, and mail and there are no notices from Jefferson Bank of Missouri that I can find regarding these fees. 

Had I not opened an account with an affiliated bank of theirs, I believe they would not have left this account open and charged me excessive fees as they have. They did this knowing they could take from my Central Bank account. As of this morning, XX/XX/XXXX my account is still not closed, I have not been reimbursed for any of the fees, and they Still have not closed my Jefferson Bank Checking account.

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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc.
State: SC

Complaint narrative:
I have not received a statement for XXXX from Grain and my balance has not been updated either. I made a payment on XX/XX/XXXX and my cycle closes on XX/XX/XXXX. It is still reporting XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2023 I mad an autopay of {$25.00} then on the same day I made a payment to satisfy the entire statement balance. By the terms of the credit agreement I should not have been charged a finance charge but on XX/XX/2023 I was charged {$39.00} in interest. I spoke to XXXX on XX/XX/2023 to ask about a credit since I had paid in full, I was told that I made the payment after the XXXX eastern time cut off, I was late by about 8 minutes apparently. I spoke to XXXX a supervisor when XXXX could not assist. XXXX said that it was a valid charge and it would not be fair to provide a courtesy rebate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
There's things on the credit report that's been on there too long and I have tried to solve the problem and the car leases on there is wrong information

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 2023-03-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX XXXX am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
THIS IS MY FIRST COMPLAINT WITH XXXX CONCERNING THIS ISSUE. 

I have a XXXX credit card. On XX/XX/2023 I made a {$3300.00} payment, XXXX card reported the next day, XX/XX/2023 a balance that did not reflect the {$3300.00} payment. XXXX card seems to do this often, they do NOT report balances to include recent payments to the credit Bureaus. Therefore, I transferred the money out of my payment account so the payment would not go through. I am not paying off a card and having these banks refuse to give the proper credit or report the proper balance. XXXX 's policy concerning payments Do NOT satisfy federal regulations. This has caused me harm and it surely causes others harm. I am also confident XXXX card will retaliate against me in some way over the next few months, they always do whenever complaints are filed. The Balance should have been reported as {$770.00} NOT {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I, XXXX XXXX , am writing to dispute the following negative items that were found on my credit report. After reviewing my credit report, I have found the following inaccuracies : The personal information regarding my current address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The personal information regarding my previous address is incorrect. The address listed on my credit report, XXXX XXXX XXXX XXXX, NY XXXX, is not correct. I request that you delete this address immediately from my report. 

The negative item listed under the account number XXXX for XXXX is incorrect. I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. I request that you remove this harmful incorrect data immediately from my credit file. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. Therefore, I request that you investigate and remove these negative items from my report as soon as possible. I also request that you provide me with a written response to this dispute within 30 days. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I had a credit inquiry from Citibank but I havent applied to them.

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 2023-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: FL

Complaint narrative:
This company has provided me nothing but terrible customer service. I mailed some documentation as requested by the company to its legal department- I was told that that I would hear something in 3-5 days after the company received the documentation. It is going on a month and I still have not heard anything. This is the only company that I have had any issues with when presenting the company with legal court documentation. My brother, XXXX XXXX is mentally incapacity - the courts have appointed me his legal guardian to handle all of his affairs. The SSA has advised my brother received an overpayment and requesting that the funds be returned or charges will be sent down for fraud. It really does not matter what the reason is why I need access to this funds as the order states I am over his medical, mental and his income - any assets that he may have in his possession. This company refused to even provide me with a follow-up to my request. My brother is currently institutionalized and does not have access to complete this transaction. He will also not be able to access this for some time now so I am doing this for him and for his behalf. I have called multiple times and the reps just hang up the phone in my face. I will be suing this company for not honoring the court documentation if these funds are not returned to me. The balance was {$1500.00} just a month ago and now it is {$1500.00} - so now this company is just taking advantage and taking funds off of his account instead of returning the funds to me! I have sent my address, email and phone number for the bank to contact me but NO ONE has even bothered to reach out to assist or provide any update. The reference number for this # 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 2023-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Innovative Funding Services, L.L.C.
State: CA

Complaint narrative:
I applied for a 2.91 % lease buyout with Autopay. Turns out they don't offer 2.91 % and they do not offer lease buyouts. I deleted my social security number before I submitted the app. The language stated the social security number would give them a more accurate determination. However, without the social security number they would provide a range. Both were false statements. They some how encrytped the number and had it when Autopay rep called. I was told they don't have 2.91 % even though it's on their website. I started getting calls from TRESI a company affiliated with XXXX. I never applied for a loan with them. Their representative called me to put an application in and I refused. I never applied for credit with them. 

I received a notice of adverse action and I never submitted an application. I never gave them my social security number. I have superior credit score and I demand action. This is outright fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied and was approved for the XXXX XXXX XXXX XXXX Credit Card from Wells Fargo bank on XX/XX/XXXX. The email I received mentioned that I will earn XXXX point per each rent dollar spent on the XXXX  card, but it doesn't mention that I need to have at least 5 transactions for each statement in order to get the points. Wells Fargo never sends me an email to remind me you have such a policy. I thought you are like other credit cards and accumulate points when you do the purchase. This is like a false advertisement. Now I use the card to pay rent on XX/XX/XXXX for {$5500.00} and XX/XX/XXXX for {$1900.00} the points have all been canceled because I don't know you have the requirement for 5 transactions for each statement. Also, My card has encountered fraudulent charges and has been replaced several times early this year and I have no way to use 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 2023-03-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
as of XXXX XXXX 2018, i recieved a later notifying me that my personal information was being use for various of things i have no acknowlegde of, also purchased gift cards well as credit in my name

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