vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This information is on my receipt. 
I mailed a copy of my receipt with a letter to their customer service. 
Their reason for not correcting problem was I waited past 60 days. 
I made my XXXX payment in XX/XX/XXXX, before even getting my XXXX statement. 
First statement was XX/XX/XXXX due XXXX  NO INTEREST Second statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I had already made payment XX/XX/XXXX Third statement was XX/XX/XXXX due XX/XX/XXXX INTEREST! I pay my bills regularly " online at least a week ahead of statement. 
XXXX is when I noticed the interest when opening my mail. I immediately called and have been calling the store who tells me to call the bank who tells me to call the store, etc. for XXXX months now! Currently they are both refusing to fix THEIR error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I had a HELOC in XXXX and and in XXXX when the housing market crashed I fell behind on those payments. That loan was sold to real time resolutions. I ended up filing bankruptcy and all my debt was XXXX. I spoke to real-time resolutions amd they told me I was not obligated to pay the debt. They sold the loan to select loan services last year and they aggressively tried to foreclose. I received seemingly hundreds of letter from lawyers and foreclosure documents. I took money from my 401k and paid about $ 26k to get it current but they are still saying I owe and threatening foreclosure again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a charge for a little over {$9800.00} which was assigned to a city flex pay plan with a locked interest rate of 9.9 %. I then did a balance transfer for a little over {$5000.00} which was at an introductory rate of 2.9 % which expired XX/XX/23 and was to be prime plus 15+ % interest, or nearly 3 times the interest for the flex plan after XX/XX/23. 
On XX/XX/23, after the expiration of the introductory rate, I made a payment of over {$6000.00}, enough to pay off the balance transfer amount as well as make the minimum payments on the other flex plans. The funds were actually removed from my bank on XX/XX/23, when the payment was finalized. On that day, XX/XX/23, I received an email ( attached ) from Citicards that I had paid off the flex plan at 9.9 % interest rate, meaning that they had not applied the payment to the higher 24.4 % interest balance for the balance transfer. I called the company and spoke to 2 agents and a supervisor ( XXXX ). They informed me that the issue with how the payment was applied was because the company 's computer system hadn't updated on XXXX, and so the computer had applied the payment incorrectly. They assured me that the issue would be corrected and to give them 10 business days to correct it. They placed a referral to the " back office '' to get the 9.9 % interest rate reinstated. I was told I would be notified once the interest rate had been corrected. 

However, this morning ( XX/XX/23 ) I called and spoke with another supervisor, XXXX, who informed me that the referral to correct the interest rate had been denied and that the current interest rate I'm paying on this slightly over {$5000.00} balance transfer amount is 24.4 %. He could not tell me who denied the referral, or why. I advised him that I understood it was the law to apply payments to the highest interest rate balances first and asked for an explanation why this wasn't done. I asked who denied the referral. I asked him what the name of the department the referral was sent to was called. He couldn't answer any of these questions. He tried to reach out to the first supervisor who helped me on XXXX, and then he resubmitted the referral for the request to have the interest rate corrected. 

It is my assertion that Citicards is participating in illegal, predatory lending practices. They are refusing to apply the payment correctly to the highest interest rate balance and they are attempting to extort 2.5 times ( and possibly higher at some point given that it's a variable rate ) the amount of interest from me that they are entitled to.

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 2023-10-18 00:00:00
Product: Credit reporting 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:
XXXX XXXX XXXX account type : Collection/ unauthorized Account opened : XXXX Past due amount XXXX Updated:XXXX 1 late payment As I expressed I have no acknowledgment of this account a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] Please remove this 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect information on my credit report

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect information on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit agency Experian that I have a charge off account with them. It was ruled in a civil court ( XXXX XXXX XXXX XXXX XXXX XXXX ) that this account was open fraudulently and is of no responsibility to me. XXXX and XXXX are not reporting this charge off account on my profile but Experian is and that is in violation of the Fair Credit Reporting Act to provide maximum accuracy within the accounts.

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 2023-10-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Since XX/XX/23 I have been trying to get access to my savings account. I have provided them with my ID to verify my account.. even time I call I'm being told to wait XXXX business days. This situation has caused a lot of emotions stress and also finicial burden because I can't access my money. Every week when I get paid XXXX XXXX  is automatically taken out and put into my savings account for bills, food, and gas I have not been able to pay my rent or bills because I can't get access to my savings. I've been having to bother other people to let me borrow money just to get by. This is very unprofessional for a bank not to give me information on my account.. I " am very XXXX  furious due to this situation..I have made more then XXXX calls to get this situation resolved I spoke with supervisor XXXX, XXXX XXXX XXXX XXXX I'm being told the same story over and over eveytime I call. I feel like my money is being held XXXX I also feel like I should be compasated for this I'm wasting time and accumulated late fees because of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have pulled my report and there are many inaccuracies.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, XXXX, and Equifax since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/XXXX i called the company showing on the credit app CAPITAL ONE. They state that 1 credit card is under my name and the last time they attempted to use it, the credit card company declined the transaction due to non payment. They used about {$850.00} in transaction and the transactions were made in XXXX, Nevada. The credit card was activated in XXXX and the mailing address showing is my address. 
Per Credit card company Card was used in XXXX nevada at the following locations : NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gas station XXXX {$7.00} XXXX XXXX 2nd transaction on XXXX I received an alert from XXXX XXXX XXXX stating that a credit card has been opened under my name- I did not make the inquiry or use this card. This is the second fraudulent card that has been opened under my name. I have not contacted the XXXX XXXX XXXX  company this morning to report the card as FRAUD as i just received the alert. 

My My Mail has been missing and new credit cards are being opened and used under my name. Someone also stole money from me by using my checking account and routing number at XXXX XXXX XXXX XXXX. I am afraid this individual will continue to open fraudulent credit cards under my name. The most recent one i received was this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with XXXX, Transunion, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to request your assistance in addressing critical issues I have encountered regarding the verification, validation, and accurate reporting of information on my credit reports as per the guidelines of the Fair Credit Reporting Act ( FCRA ) found in 15 U.S.C. 1681. I have been diligently disputing the following inaccuracies with Experian, XXXX, and XXXX since XX/XX/2023, yet they have failed to properly investigate the reported discrepancies :

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied on XX/XX/ for the XXXX XXXX Capital One. And apparently the new Cardmember Offer was {$200.00} once you spend {$500.00} within the first 3 months but I didnt received that. I havent received any email about this offer. My friend referred me and I applied for the card and was accepted but did not receive the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXXXXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX  account number XXXX, has violated my rights.

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Experian and XXXX are still violating my rights as a consumer, and I have reached out to try to fix this issues, without success. I am a victim of identity theft, and as a result XXXX XXXX XXXX account number : XXXX was deleted, but as of last month, the account was reinserted, and I filed a dispute immediately, on the XXXX of XXXX, and today is the XXXX of XXXX, and I have not yet received anything back from XXXX, or experian. My cfpb confirmation numbers to check the status of my disputes submitted on XX/XX/XXXX are : XXXX, and XXXX. 

According to 15 U.S. Code 1681i they have 30 days to investigate. 

The manner in which my credit file is currently being reported is not in compliance with the metro 2 laws. 

15 U.S. Code 1681c2 states all information related to identity theft must be blocked, and experian and XXXX claim XXXX XXXX XXXX informed them that the account belongs to me, but I have numerous times requested proof of verification or validation, and I have not obtained any proofs yet. 

The only name and address I am associated with is below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX. Anything on file other than this information above is to be updated immediately. 

Experian and XXXX are violating the following laws the way that they are currently reporting my credit, 15 U.S. Code 1681b 15 U.S. Code 1681a ( 1 ) 15 U.S. Code 1681c2 They are stopping from reaching certain financial goals, and I want my credit file properly updated, and any non permissible accounts or inquiries deleted due to identity theft. I have provided my proof of identity theft, and am uploading additional documents with this dispute.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both XXXX and XXXX continues to report the error. XXXX XXXX  has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XXXX XXXX XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.

Company response to consumer: Closed with explanation