vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-23 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: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have a company credit card from when I worked for XXXX based in XXXX, XXXX. I was laid off approximately a month and a half ago. Today I am getting a call about an outstanding balance of XXXX. I haven't used the card since I left and or for many months prior. The credit card company is telling me I need to file an expense report, which I can not do because I do not work there anymore and have no connections to reach out to. The amount is a matter for XXXX the company I worked for, and it is not my responsibility or ability to resolve at this point.

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 2024-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
My mortgage was transferred from XXXX XXXX  to BOK XXXX with an effective date of XXXX. The letter received TODAY ( XXXX ) is dated XXXX. 

With the letter I found a form that I am required to sign about sharing my personal information to include to their affiliate for marketing purposes. I have attached the letter for your review. 

I do not authorize sharing my PII with anyone specially for marketing. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a letter from Wells Fargo XXXX Department regarding an old fraud claim filed in 2011. I was told the claim was processed incorrectly and their investigation proved that it would be overturned and I would be refunded for my total debit card fraud claim in the amount of {$5500.00}. I was unaware at the time that interest was due me for the entire time the bank retained my funds. 

They did NOT include interest in the check I received I was only reimbursed the total amount of the fraud claim filed. They did reported a 1099-INT statement to the IRS stating I received {$820.00} in interest from them in addition to the overturned claim above. I did NOT receive an interest payment.

I have spent 8 months calling and being transferred all over the place trying to get the interest check issued or the 1099-INT Corrected with the IRS as XXXX can not file my taxes due to their error. No-one can assist or ever calls back ... .this level of service seems to be the norm but they are creating major problems in my life by this negligence.

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 2024-07-23 00:00:00
Product: Credit reporting 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:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has neglected to correct missing account data and Experian neglected to align with the FCRA and continues to violate FCRA 15 USC 1681 & FCRA 15 USC 1681i. They have claimed to investigated several times yet refuse to update or remove these items. Experian intentionally reports items without thorough verification and accuracy. Legal action will be the next steps. 


Dept Ed- Delete/ Remove/ Do not report Account XXXX. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing? 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 

XXXX- Delete/ Remove/ Do not report Account XXXX. The balance, updated balance, recent payment, close date, monthly payment, and term data is missing. 
2. Who is the original creditor? 
3. What was the payment amount in XX/XX/XXXX? 
4. What was the payment amount in XX/XX/XXXX? 
5. What was the recent payment amount?

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding an issue I have encountered with your Zelle pay service. My mobile number was recently ported from XXXX XXXX to XXXX XXXX 2 years ago, and I have been unable to register and use Zelle before and after the porting process. I can't register Zelle with my XXXX  XXXX XXXX or XXXX XXXX. 
Despite multiple attempts to resolve this issue through customer support channels, the problem remains unresolved. Here are the details : XXXX  XXXX : XXXX XXXX XXXX XXXX since XXXX  XXXX XXXX XXXX Mobile Number : XXXX Issue : Unable to register with Zelle due to verification problems I have confirmed with XXXX XXXX that the porting process is complete and there are no restrictions on my number. I have also attempted to seek assistance from Zelle support, but the issue persists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, someone sent me {$300.00} through XXXX, and Chase Bank told me that the bank had lost my registration information during their system maintenance. They sent the transfer back to the sender, and told me to contact the sender about it. The sender CAN NOT be contacted. I have pictures with the send information, and the transaction number on them. It was the bank 's mistake, and I need them to cover this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting 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:
Good evening my name is XXXX XXXX. I am a victim of identity theft with these items negatively affecting my credit report. I was previously XXXX, during that time there extremes amount of debt accumulated in my name without my knowledge. So therefore meaning that the debt is not mine. 15 U.S. Code? 1692e states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. This debt is being reported falsely. ''

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 2024-07-23 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I signed up for an XXXX XXXX XXXX credit card through the XXXX XXXX website. The offer I signed up for I attached a picture of my computer monitor of the offer that I clicked on to sign up. I triple checked the offer when signing up and I made sure it was the correct one I even read the terms and conditions while signing up and included the {$400.00} flight credit on Americanairlines.com purchases in the first 6 months after opening as well as free checked bags for up to four people with no time limit. This was also supposed to have a spend {$1500.00} get XXXX miles offer too. What I ended up getting was an offer of spend {$2500.00} get XXXX mi and none of the other perks and that is definitely not what I signed up for. The whole reason I got this card was because of the flight credit and free checked bags and I would have never chosen the XXXX XXXX flight because there were others that would have been cheaper. This is completely messing up my vacation. I called the first time about this and they told me would offer I had which was not the one I signed up for and they gave me an email to send my proof and concerns to. ( XXXX ) I emailed them with my concerns and the proof and never heard back so I called back today and went up the chain of higher and higher supervisors/managers three times and they still refuse to honor the deal even with my included proof. They were demanding an actual letter that was addressed to me or an email address to me which they do not do that for this offer and that's why they ask because they know it's impossible to prove. It's only on the website and for some reason they won't take that proof. 

If you read that email address included it tells me this happens way too often if they have a dedicated email for this. Also if you just search XXXX XXXX XXXX credit card offer issue you'll find endless XXXX posts of many many people with the same issue. This seems like a continual problem and like they do it all the time and to everyone. This was 100 % a bait and switch they bait you in with a good offer and then switch it up on you in the system so it's not the same as you signed up for.

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a user name and password for Experian 's website but they no longer let me log in. I tried " password reset '' but it won't let me. Their phone tree will NOT connect me to a live person, so on XX/XX/XXXX I snail-mailed a request for password help and included all the documents the website said they need, but I did not receive a reply. I snail-mailed another request on XX/XX/XXXX but they still did not reply. I snail-mailed a third request on XX/XX/XXXX and mailed it certified, return receipt requested. 
Today, XX/XX/XXXX, I got a form letter as a reply. It says, " Your personal credit report already displays a security freeze. '' And I say, HUH? What about my password reset??? 
Their letter says, " Report # XXXX for XXXX '', if that helps. 
Please contact Experian and ask them to provide a phone number to a human being who can help. They can send the phone number to my email address, XXXX BTW, I've had the same home phone number since XXXX, but it is now on VOIP. Perhaps that's the problem. One more issue - my cell phone, XXXX, is a " basic phone '' with no data plan. Their website 's " password reset '' function requires me to receive a text and click on a link, which I can not do. Please help! And... THANK YOU!!

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 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I paid off my PayPal Mastercard. The company took the money out of my XXXX  account. The company did not use the money to credit my account. The company continues to decline my purchases. The company says it is holding my money while not providing the escrow account. I am now unable to use the card, and the money is no longer in my banking 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 2024-07-23 00:00:00
Product: Credit reporting 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:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX

Company response to consumer: Closed with explanation