vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY
State: PA

Complaint narrative:
Once again, I have submitted my payment in XXXX for XXXX and I am getting hit with another late fee. In addition I submitted the tracking number as well as check serial number with payment details to towne and they have not responded or updated my payment once. They continue to submit me as late on my payment which is incorrect. My payment was submitted on time and I also provided all necessary information that they requested in hopes that my payment would be applied correctly. 

Someone from towne responded to me regarding a review I posted and claimed that my payment had been applied to the incorrect loan. This cant be a regular occurrence for this company and Im not sure if it should be an occurrence that is acceptable for a mortgage company. I am constantly inconvenienced with payments when Ive done nothing wrong. This should be proof that there is a faulty system with the company and not me as a consumer. 

The company claims I had two returned checks however I spoke with a rep at towne and asked specifically do you know when this money will be deducted because I have another bill that is due and they cant come out the same day he assured me that the payment would be deducted before my other payment was deducted which did not happen which resulted in the payment not going through. I have grown tired of communicating with towne verbally because their practices are to verbalize one thing and what they verbalize constantly differs from what is listed in print. I send emails and get no response, I send inquiries through my portal and no response. 

This company should not be able to practice this way.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
I leased a Honda XXXX from XX/XX/XXXX through XX/XX/XXXX through Honda Financial Services ( HFS ). On XX/XX/XXXX and XX/XX/XXXX, HFS sent me invoices for {$470.00} and {$390.00}, respectively, for XXXX XXXX Taxes. These XXXX tax invoices were the only property tax bills that HFS ever sent to me during the time of the lease. When I purchased the car in XXXX of XXXX, I had to pay HFS the property tax in order for them to release my title. 

After contacting XXXX XXXX, I was informed that property tax is not charged on personal use vehicles, but is charged to leasing companies, unless they provide an affidavit from the lessee that the vehicle is being used for personal use. The XXXX XXXX representative told me that when an affidavit is completed and submitted by the leasing company prior to XXXX of each year, property tax will not be charged in XXXX of that year. 

Prior to XX/XX/XXXX, HFS had never sent a XXXX XXXX property tax affidavit for completion nor ever indicated that one was due. Since I have no way of knowing that the leasing company is paying a tax or that an affidavit is due indicating the property is being used for personal purposes ( without notification from HFS ), I should not be responsible for paying this tax. Since HFS never timely contacted asking for an affidavit, I should not be responsible for any taxes due. 

Consequently, due to HFSs lack of timely notification, HFS should be responsible for the tax and refund the tax of {$870.00} that it required me to pay to release title to my car when I purchased the vehicle in XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I had a credit card from Barclays, that was sold to XXXX, years ago. I ask for a balance transfer from XXXX XXXX for {$1800.00} to send to XXXX XXXX. I made a mistake and had the {$1800.00} sent to Barclays, since i had an account with them years past. They have the same account numbers. I saw that i made the mistake when the {$1800.00} wasn't credited to my XXXX credit card. I called Barclays, and told them what happened and they said that they never received it. I called XXXX XXXX Credit Card, and they sent me a copy of the check, front and back. Barclays cashed the check on XX/XX/year>. I faxed a copy of the check to Barclays. They are still insisting that they never cashed the check. So now i am paying the balance transfer off and never got credited from XXXX, and out {$1800.00} plus interest. I feel that Barclays is actually stealing the money from me. I just got off the phone with Barclays and they are playing dumb. This is very frustrating. I hope that you can get my money back, plus interest. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
To Whom it May Concern, I closed my account from your credit card company ( I was a card holder for 21 years ), when I first was a member, the interest rate was a fixed rate of 14 % ( estimated ), in XXXX the interest rate was changed from fixed rate to variable without my clear knowledge ( you probably put it in a bill in the fine print and it was probably overlooked ). You have increased your interest rates continuously since. This XXXX is when I closed my account, the decision to close the account was made in large part due to multiple conversations with your employees who informed me ( either erroneously or fraudulently ) that closing the account would stop the interest rates as the interest rate are being called 'interest charged on purchases ' ( pretty hard to charge purchases when the account is closed ). So instead of paying against the balance ( {$18000.00} ), we are paying against the interest ( it went up again from 19.98 % to 20.24 % ), so when we make our next payment of {$490.00}, only {$170.00} will go toward the balance, the remaining amount of {$310.00} goes toward an interest rate ( looks like pure profit ). Nobody likes to be deceived, nobody likes being giving bad information which results in bad decisions. We pay our bills, we are honest, to be treated unfairly is frustrating beyond belief. I know I will probably be told that it is too bad, I just wanted you to know how bad I believe your company is. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to be deceived like this is enraging.

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 2024-07-09 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: IN

Complaint narrative:
I have recently initiated a dispute regarding the items in question, and I am concerned that a thorough investigation was not conducted. It appears that there has been a lack of proper investigation and a failure to provide validated proof substantiating the claim of a late payment on this account. In accordance with the requirements outlined in the Fair Credit Reporting Act ( FCRA ), I kindly request that these accounts be promptly updated to accurately reflect the investigation 's findings or lack thereof. Your compliance with FCRA provisions is essential in resolving this matter satisfactorily.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
I did not authorize this inquiry. According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

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 2024-07-09 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am not liable for this debt with XXXX  XXXX, they did not provide me with the original contract as I requested.

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 2024-07-09 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: TX

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. 



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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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. 

These are the inquiries which should be off from 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 non-monetary relief
Consumer complaint received 2024-07-09 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: MS

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: TX

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. 



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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 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. 

These are the inquiries which should be off from 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 2024-07-09 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
SYNCB/Amazon is inaccurately and incorrectly reporting information on my credit report. such as the Date of last activity, date reported, date opened, credit limit and last payment date. This is a violation of the FCRA and FDCPA.

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 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XXXX XXXX I made a XXXX transfer from another account to my Truist Account, I received an email notification that money had been sent. On Tuesday, XXXX the money had not hit account. I contacted Truist they said it was received and would got to my account the next day. Per Truist deposit information XXXX payments are immediate buy they held my money for 4 days.

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 2024-07-09 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear credit bureau 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. Account name : XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 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 2024-07-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX Balance {$690.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$690.00} written off. {$690.00} past due as of XX/XX/XXXX. 

XXXX Balance {$2200.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2200.00} written off. {$2200.00} past due as of XX/XX/XXXX CBNA Balance {$2100.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/XXXX Date opened XX/XX/XXXX Account charged off. {$2500.00} written off. {$2500.00} past due as of XX/XX/XXXXXXXX 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 2024-07-09 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TX

Complaint narrative:
I did not authorize this inquiry. According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

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 2024-07-09 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: CA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX I saw an email come through stating that I had placed an order on Kohls for XXXX XXXX on XX/XX/XXXX. I immediately contacted Kohls at a little before XXXX EST. I told them this was a fraudulent purchase and asked them not to ship the item. They said it was too late and that I would have to return the item to the store when it arrived, which I did. I then asked for the credit card account number to be changed and a new card to be sent. I received two new cards with the same account number. Today I saw an email reminder that I had a bill due and there was a balance of {$63.00} on my account. I called and asked why there was a balance because I returned the item. They said that I used the Kohls cash that was awarded when the purchase was made. I informed them that this was a fraudulent charge so the Kohls cash should have been immediately canceled and that I returned the item without using the Kohls cash. I asked them to give me a credit to my account as I shouldn't be held accountable for someone else using the Kohls cash since I told them it was a fraudulent charge on XX/XX/XXXX and the Kohls cash couldn't be used until XXXXThey said there is nothing they could do regarding the balance, but they could give me Kohls cash in it's place. I accepted this as the bill is due today and I didn't want to then be responsible for a late fee on top of this. The entire process has been a nightmare. They should have been able to cancel the order and not ship it out since it had been less than 24 hours, they should have canceled the Kohls cash since it was attached to a fraudulent charge, they should have been able to send me a new card with a new account number instead of duplicate cards, they should have been able to credit my account the balance so I didn't have to pay. Now I have Kohls cash that I need to use and haven't shopped at this store since XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is DELIBERATELY making it hard/impossible to get to your credit freeze/unfreeze screen. We have a legal right to do this, BUT they have their website designed to FORCE You to pages to PAY for an upgraded service. You can NOT get to this screen, even doing an online chat DOES NOT WORK -- they tell you the name of hte page, but YOU CAN NOT GET TO THIS PAGE -- and at every other screen you are FORCED To refuse buying an upgraded service. 
I DO NOT WANT these credit services, buXXXX XXXX XXXX ( ing GOVERNMENT REGULATIONS force the banks to use these credit services -- and they FORCE YOU to pay for a service that is supposedly free. Government rules and regulations XXXX, so does this fraud service, and all youXXXX XXXX XXXX XXXX XXXX rules. You just enable delays, problems, and rip offs by companies like Experian. You all belong in jail.

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