vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
On XX/XX/2022, a CSR rep from One Main Financial called me as a courtesy asking when did I want to make XXXX payment. I asked if I was able to refinance to get some cash back since I was trying to sell my home and purchase a new one. The CSR rep advised that a refinance would require to run my credit and I stated I was not interested since I didnt want an inquiry on my credit. The CSR advised I do a deferment instead. This would put one payment at the end of the loan and loan would be current. No credit inquiry would be needed for a deferment. I stated I was interested and the CSR rep processed my deferment on XX/XX/2022. However, now One Main Financial reported to all credit bureaus that I MISSED a payment for the month of XXXX of XXXX because according to them, the payment was ACH on XXXX. I called XXXX, left a voicemail and a rep called me, her name is XXXX and told me I needed to write a dispute letter and fax to them, which I did. I received another call at XXXX from the Dispute Department and spoke to the One Main Manager in the Executive Customer Care department. She now states XXXX XXXX is not able to remove that alleged MISSING payment from my credit report because this is not something they do for their customers. I told her if a payment was deferred it was not MISSED and One Main is acting in bad faith. Had their CSR rep advised I would have a missing payment in XXXX on my credit report i world have never done a deferment. The CSR rep should have been more knowledgeable and know the payment was being ACH on XXXX and not advise I do a deferment. My home lender will not approve my home loan with a missing payment in my credit report on XX/XX/2022. One Main has acted maliciously and has misinformed me, hindered me from getting a Home loan to better the quality of life if my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.

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 2022-05-24 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are two addresses on my credit report that I have never lived at. 
My credit score should be higher. Im afraid I may be a victim of identity theft.

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 2022-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 I received notice that my account was over-drawn for the following payments : Reversal of temporary credit provided for negative balance prior to stimulus payment. 

{$100.00} {$220.00} {$230.00} {$410.00} Wells Fargo stated they would provide me prior notice approximately seven days before the negative balance is reapplied, however, I never received any notification. 

On XX/XX/2022 I called Wells Fargo at XXXX PM XXXX who apologized for the inconvenience and stated there was nothing they could do. I then requested to speak with a supervisor. The agent stated I would need to confirm my phone number and address before being transferred all was correct. I am requesting my money be refunded into my account and plus reimbursement for all subsequent arrangements I must make for my bills. I was never notified the money would be taken from my 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 explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I applied for a mortgage loan with Bank of America on XX/XX/2022. The closing date I was given was XX/XX/2022. I began the process of submitting all necessary files the mortgage agent. The goal post was constantly moved and the demands request by Bank of America were extremely contradictory and inconsistent. They made serval attempts to deny my loan but could never fully articulate to me what was the reason for denial. They waited until the day of closing to deny my mortgage loan. While failing to state what the reason for denial. Based on the actions of Bank of America, I am under the impression that I have been discriminated against. I wrote a 5-page letter direct to a Vice President Lending Market Leader. I will attach said 5-page letter.

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 2022-05-24 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: DISCOVER BANK
State: RI

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 an account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I've requested full transaction history under current cash tag, $ XXXX, as well as prior cash tags via email to XXXX, rep with Cash APP, no information provided.. The rep requested current cash tag, email address, mailing address, all of which were provided, nothing received back. I do not have prior cash tags available, however, my email address as well as mailing addresses were provided. The information including full transaction history is required in order to locate fraud transactions which cash app will not resolve in obtaining funds back. The transactions in question were reported to cash app, their extent to investigating includes requesting money returned from receiver, once denied, cash app does nothing further..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was talked into getting a Truist Bank home equity loan By my branch. I took the loan with the understanding that according to my loan originator XXXX XXXX, Who gave me all of the options and I chose to have a fixed rate for 15 to 30 years at 7.54 % that was supposed to be for the full loan. I went ahead and started using some of the money or some of the loan and everything was fine until I did my sixth amount then they changed it to variable. Truist said I could only use it 5 times. When I requested to the my branch to fix it they said they would add the last two together which would go back to five and then they would change it back to fixed once that was done. The main branch or the corporate office changed it back over from variable to fixed and then they raised my interest rate to 10. 02  %. I have been trying for a month to get this fixed back to the correct interest amount and the corporate office says they are allowed to raise the interest whenever they felt like it, to the interest level of the government even though my contract says fixed at 7.54 %. They told me today that the branch manager is the only one that could change it back to the 7. 54 %, however the branch manager XXXX XXXX will not return my phone calls will not speak to me and even will not talk to the branch itself when shes not there and will not do anything to help me and this is been going on for a full month Im sick of dealing with them and they need to fix what they screwed up.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.

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 2022-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My Correct Name is XXXX XXXX XXXX XXXX I'm not known by any other name my Phone number is XXXX I have no other number. My address is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have no other addresses. My Job is XXXX XXXX I have no other Job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX & XXXX XXXX reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
H & R Collection reported me to the credit bureau saying I owe a medical bill. I never went to XXXX XXXX XXXX ever. I sent them a debt validation letter via certified mail and the never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
Optum Bank DBA Optum Financial is the XXXX of my Health Savings Account Case # XXXX I closed my Health Savings Account and requested my funds be deposited into my account. The account on file as closed, so the bank returned the deposit {$350.00}. For almost 2 months I have called and I have been told different things by different representatives. I was told that a check was mailed last month. I was told yesterday XX/XX/2022 that the XXXX would deposited into the account today XX/XX/2022. Nothing has happened. I still don't have my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: FL

Complaint narrative:
Accordance with the Fair Credit Reporting Act.List of accounts below has viollated my federally protected consumer right to privacy and c

onfidentiality under 15 USC 1681. section 602A 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 instruction 1.XXXX XXXXXXXX  ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX .ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX OF XXXX # XXXX XXXX  # 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 non-monetary relief
Consumer complaint received 2022-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX ( XXXX XXXX XXXX XXXX ) sold to : First Federal Credit Control ( 3rd party debt collector ) Original XXXX Member ID # XXXX XXXX ( Insurer ) XXXX originally coded procedure incorrectly as per XXXX Ref # XXXX all claims were presented and paid. XXXX is supplying all EOB 's ( Explanation of Benefits ) for XXXX. There is documentation conflicting XXXX 's notation of NO gap in coverage. XXXX was paid in full. Reported insurance fraud from XXXX and pending investigation along with documentation from XXXX. 
Have turned matter over to attorneys @ Consumer Attorney / Attn : XXXX XXXX - Legal Assistant. Phone No. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: NY

Complaint narrative:
In accordance with the Fair credit reporting act XXXX  XXXX  acct # XXXX, has violated Has violated my rights. 

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604A 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 an open End Consumer credit plan As late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Unable to resolve problem therefore account was closed/ suspended by creditor. 

A new account was then set up

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 2022-05-24 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: CA

Complaint narrative:
I have been disputing with Equifax since XXXX over then furnishing XXXX XXXX on my credit report. 

Equifax has violated 15 U.S. Code 1681- Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Equifax has furnished misleading information that has caused extreme financial harm to my financial reputation, and has violated my consumer rights. 

Equifax is reporting on time payments on I printed my credit report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

Then I purchased another report on XXXX, and it shows a payment history of XX/XX/XXXX, XXXX XXXX and XX/XX/XXXX. 

My report says I'm late 120 days, but my past due amount is XXXX Account status is paid. Who paid it, how much did they did pay. 

All this information is inaccurate and needs to be removed immediately Who made payments to this account, if it was already paid to a XXXX balance. 

All this information is inaccurate, please remove immediately. 

Also, Equifax never responds to me inquiry with a written response. They claim they have, but they haven't. And if they have, where is the tracking number for proof. 

Please ask them to remove this account now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima XXXX is incorrectly reporting a late payment was made on this account. 

I made a payment via their website in XXXX and the website confirmed a payment was made. Apparently there was a technical glitch on their website and the payment was never successfully processed. I, however, was not notified. Acima then reported the payment as 30 days late to XXXX Credit Bureau. 

I reached out to Acima XXXX and they stated there was no technical glitch and left me on hold. 

This account has since been paid off in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24 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: CO

Complaint narrative:
On XX/XX/2022 I sent Experian a certified letter to correct a few inaccuracies in their credit reporting. 
The FTC enforces your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide. 

They are reporting FOUR of my accounts inaccurately. They sent me a generic computer generated response, " this is verified by the creditor '' However I am NOT disputing the account I am disputing how they are reporting the PAYMENT STATUS on each of these accounts.

The payment status is to reflect the current status of the account which all 4 of these accounts are current. They are reporting as follows : XXXXXXXX XXXX XXXX XXXXXXXX '' was past due 30 days '' XXXX  XXXX '' was past due 30 days '' XXXX XXXX " was past due 150 days '' XXXX XXXX  '' -was past due 30 days two times '' All 4 of these accounts are current and they need to be CORRECTED to CURRENT or PAID.

I hope that Experian can actually read and investigate the issue that they are reporting inaccurately and get these corrected immediately. This is harming my credit and if not corrected I will exercise my legal rights for their blatant disregard for following guidelines. 

I've included a copy of all 4 accounts credit bureau with the error highlighted and the letter I sent them last month.

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 2022-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I got an American Express XXXX XXXX credit card on XX/XX/22. Terms stated that I would get 1.5 % cash back on eligible purchases each billing period. I did not receive cash back for the first billing period as of XX/XX/22. Called American Express about issue on XX/XX/22 and got multiple conflicting responses from different customer service representatives so it is not clear if or when I will get the promised cash back ( representatives are XXXX, XXXX and XXXX ).

Company response to consumer: Closed with explanation