vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My Torrid card was used in XX/XX/2023 for an amount of {$88.00}. This charge appeared on my XX/XX/2023 statement due XX/XX/XXXX. The payment was made in full on time and the account was subsequently closed. I received by both email and US Mail a letter stating the account had been closed and had a XXXX balance. A few days later, I received another statement with a {$28.00} balance. After reviewing the statement, it showed they charged a late fee on XX/XX/XXXX, yet I had a letter dated XX/XX/XXXX that the account balance was XXXX. I assumed this was some sort of glitch until this month ( XXXX ), I received another bill now totaling {$57.00}. Again, after reviewing, it was noticed that another {$28.00} late fee had been charged and {$1.00} " minimum interest '' ( interest on a late fee and a late fee on a late fee on a XXXX balance ). At this point I placed a call about this and was told they didn't apply my payment until XX/XX/XXXX and this set off the cycle of fees and interest. I was also told that none of this could be reversed because the account was closed so I either pay the fees and interest or it will be reflected as late paid on my credit bureaus. This sounds like extortion to me. Again, I have a letter dated XX/XX/XXXX from them that stated I have a XXXX balance and the account was closed. How can I have a letter dated XX/XX/XXXX showing a XXXX balance if a fee was charged XX/XX/XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: NC

Complaint narrative:
I was given wrong and misleading information. I was told that if i pay my debt in full that the collection will be completely deleted from my credit report. After i paid the debt it was updated to paid but not removed. It is still affecting my credit score negatively. I am trying to purchase a home and this negative status is holding me back. I was mislead and given false promises just so i can pay the full balance. This is completely unprofessional and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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:
I just looked at my consumer report and noticed some accounts I would like to dispute. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. The referenced accounts in the attachment should be deleted.

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 2023-05-10 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: NV

Complaint narrative:
In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, Transunion and XXXX while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove 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 non-monetary relief
Consumer complaint received 2023-05-10 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: NV

Complaint narrative:
In 2020 I disputed incorrect names and or address that appeared on my credit report with XXXX, XXXX and Equifax while I was in the process of a home purchase. After careful review of my personal information it appears that XXXX has neglected to update my information incorrect addresses Incorrect social security numbers I tried to dispute this with them again recently and they informed me that they could not remove it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Multiple credit card accounts open and used under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: IN

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. ( XXXX XXXX XXXX - XXXX  ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
About 3 years ago a credit card with Capital One was opened and used in my name with my demographics without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I received an email this morning to my email address at XXXX advising me that I had been enrolled for Online Banking and a Checking Account through Bank of America. I have never used Bank of America in my life. 

I attempted to call and report the fraud to them, but they will not allow me to speak with anyone without an active account number.

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 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, there has been unathorized repetitive inquiries on my report from Car and Financial Agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX  XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion Refuse to update my Credit file to XXXX  XXXX on my accounts and also refuse to update my acct violates my right i provided info on my XXXX  XXXX they stated we receive but will not update also XXXX XXXX will not update my file also to XXXX XXXX i also reached out to them i am Discharged and they will not update my acct that i included in bankruptcy

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 2023-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please remove this erroneous account from my credit report as it is not mine and I did not authorize anyone to use it. I have attached the necessary documents to support my claim.

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 2023-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
We had a mortgage with Wells Fargo and the home was foreclosed on in 2013. We were actively trying to complete a loan modification. 

We believe we should be eligible for a payment from the Wells Fargo settlement but have not been contacted or received anything. 

We contacted a Wells Fargo customer representative at XXXX and were told Wells Fargo is reaching out to customers and they were unable ( or unwilling ) to provide any additional information. 

Therefore, we are submitting a complaint to the CFPB.

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 2023-05-10 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 open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as 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 explanation
Consumer complaint received 2023-05-10 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 open on XX/XX/2019 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10 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: GA

Complaint narrative:
On XX/XX/2023, I sent a certified letter to TransUnion asking them to DELETE various items and incorrect information reporting on my consumer file. On XX/XX/2023, instead of receiving the status of their investigation, I received a letter stating that they were not processing my dispute because they believe I am working with a Credit Repair Company. With the original dispute letter I sent to TransUnion, I attached a copy of my current Driver 's license along with a Utiity billl confirming an address. I have attached a copy of the original dispute I sent TransUnion along with the " Stall Letter '' that I received from TransUnion. I initially pointed out to TransUnion that their were inquiries into my credit file without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible. Pursuant to FCRA 623 ( b ) ( 1 ), FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ).

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 2023-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2023 I made XXXX transfer transactions to my chime account from my XXXX XXXX account. XXXX transaction in the amount of {$150.00} and a second transaction of {$520.00}. My account was fine with chime as I didnt have any problems with using my chime card until XX/XX/2023 as I received a email from chime stating that my account was on hold. I contacted them and I was asked to send them my identification card front and back as well as proof of me being the account holder of the account I transferred from. I did that no problem. I then receive a email saying my account is closed and I can not get any of my funds because it does not comply with the deposit account agreement. For more information please review the amendment and cancellation section of the chime deposit agreement. I went and did just that and read everything. I do not use my account for business purposes its my personal account as well as I dont have a business. I completely complies with each and everything they asked me to send to them and I kept getting the run around. I cant even get through to a representative via my mobile device at all as they have me blocked. This is rediculous all my information matches I didnt do anything inappropriate and again Im using my chime account for personal use never used it for business purposes in any way. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: MN

Complaint narrative:
My XX/XX/2023 payment was 1 day late, so I went online to pay itXXXX, as I completed the payment process, somehow I only paid the late fee. On XXXX 2023, I received a forbearance letter. I called the mortgage company, on XXXX, and they said I only paid the late fee. And I asked how is that possible, that the online payment system will allow only the late fee be accepted as payment, and not the actual mortgage payment? I then made the XXXX and XX/XX/2023 payments over the phone. The gentleman I talked to helped me fill out a " credit reporting review request '', Which I sent in via fax, XXXX. 
On XXXX, I received another letter stating they are unable to conduct an investigation because the specific item disputed was not provided. I called the mortgage company again, explained what has been going on, and now my credit score went down XXXX XXXX, and my wives went down XXXX XXXX. She then said she will put in a request, asking for what specific verification is needed, clarify what is not provided. Her response was that everything in my file looks correct, and this issue should be excused. She then said that I should resubmit a " credit report review request '' via email. She said that this makes no sense, as she is making notes in my file about her findings. On XXXX I received a letter from mortgage company saying they received our inquiry, but after reviewing their records, they determined that a credit correction is not necessary at this time due to the XXXX payment was late.

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 2023-05-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation
State: FL

Complaint narrative:
XX/XX/2023 I have been receiving a high volume of solicitor phone calls from debt collectors PENN CREDIT CORPORATION and attempt to collect a debt that I believe that I have not have Permissible Purposes FCRA 15 U.S.C. 1681 b Per FCRA Consumer have the rights Penn Credit Corporation committed acts of violations of the FRCA In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX Account # 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 
15 USC 1692 Section 806 Section 5 Causing a telephone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Around XXXX XXXX XXXX  I closed my credit card with Capital One with a balance on my favor for {$8000.00}. 

At the beginning of XXXX I called the customer service number to know about the status of my reimbursement. 

XX/XX/XXXX They asked me for a lot of documentation to prove I had that money under that account and where the money came from. At the end of the call they said they will sent the check. 

XX/XX/XXXX I called to know about the status of the check, and they mentioned it was lost in the mail and they need to reissue another one. 

Today XX/XX/XXXX they still don't know the status of my money. 

I have paid interest for that money and Capital One has not giving me an answer yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had an Account where I was charged for many overdraft fees and tried to resolve them thru the company but I had an account for years

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 2023-05-10 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I had a credit card account with America first credit union and the account has been closed for years. I completed a XXXX  XXXX bk in 2018 and was showing closed but now as of yesterday the account is still showing as open. Called the bank and they said it shows as closed and to reach out to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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