vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This is inaccurate. I was never late paying my debt. Correct this wrong information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
My checking account has been frozen since approximately XX/XX/XXXX. I tried to send funds to a different bank via online transfer and then HSBC cancelled the transfer and froze my account. I've called several times and they tell me my account will be closed due to " fraud concerns. '' I have no idea what fraud concerns there are because of course HSBC will not tell me. There is no fraud on the account. HSBC says I will receive a letter in the mail with instructions but I still have not received this letter. Why am I still waiting for a letter in the mail? I don't understand why they can't tell me the issue and what to do. But if they are going to close my account that is fine. Close it and send me my money. There is a significant amount of money in the account ( significant for me ) and I need it. HSBC has frozen my funds for 2 months with no explanation whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TX

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on 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 non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize nor consent to the following inquires being furnished on 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 non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
During 2021 I received a monthly statement for my Comenity Bank VISA card that showed a {$290.00} charge I did not authorize. I called the bank to report this unknown charge and was told to send a written dispute. I wrote a dispute letter and received a letter saying that a merchant who had my card number submitted the charge for a recurring membership fee. I don't want or need this membership and I called the merchant. They cancelled my membership, but prorated their refund because it took the bank 3 months to respond to my dispute. I again wrote to the bank saying that I raised the issue of an unauthorized charge as soon as I first saw it on my statement and I am not paying for it. Now, a year later, the bank is still sending me daily phone messages asking for payment. I have written them saying that I am not obligated to pay since they ignored my initial report of this charge not authorized by me and instead they paid the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX. I opened a Brokerage and Individual account with Charles Schwab XX/XX/XXXX of 2022. Charles Schwab verified my identity. Open the account with confirmation from Charles Scwhab XX/XX/XXXX of 2022 that upon funding my account and verifying any ACH transfer to the account ; a card would be shipped out for use in order to maximize use of my individual checking. Now by XX/XX/XXXX of 2022 I added my husbands XXXX  for a One time transfer of {$5.00}. The transfer was a one time daily transfer. According to their guidelines, once trial deposits are sent to the account chosen to link, you tell them what are the deposits and its total and the account is verified. Well I did exactly that and my account was Successfully Verified. 24 hours later I call because I initiate a transfer for the {$5.00} originally, yet money still has not shown up in my Charles Schwab Checkings account. They tell me it is due to be in the account XX/XX/XXXX of 2022. I log in my account XXXX XXXX, 2022 and my account is suspended. I call them and they inform it is due to suspicious activity or fraud and a representative name XXXX. AFTER PUTTING ME THROUGH VERIFICATION AND I PASSED, feeds me some malarkey about rather getting people like you and a few fraudsters rather than letting them get away with it. I thought to myself are you kidding me? I thought the purpose of a financial institution was to secure its customers once verified. Not subject your loyal or new clients to such a time consuming discrepancy on your part. I mean how can a bank just propose all of these steps to verify someone and still lock you out of your account with NO REASON at all I may add.They also took my {$5.00}. Something needs to be done ASAP. Charles Schwab even had the audacity to inform me even GOING IN TO THE BANK WITH MY GOVERNMENT ID WOULD NOT ALLOW ME TO RETRIEVE MY ACCOUNT THAT SAME DAY I AM IN THE BRANCH? MEANING they get to steal customers money with no regard to what troubles and finances people may have. I need my situation expedited in timely fashion. I want the account or return my money and close my account because I refuse to put in so much work into a bank. I never been through anything this traumatic in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
they closed my accoutn for zero reason never been late nothing have excellent credit bc im XXXX and XXXX they did this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was online at the XXXXXXXX XXXX  website. The site prompt me to put my personal information in so that it can get quotes from potential lenders who would be interested in funding me. The site also stated that there would only be XXXX soft inquiry on my credit report. On the Contrary, I ended up having all of these hard inquiries on my credit report from these various companies, Which I had no idea about. Plus, there where other accounts on my credit report that I didnt even knew where there! Unbelievable! 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XX/XX/2022 I was making a payment on my XXXX XXXX Synchrony bank credit card. I added a new bank to make my payment from. I made a mistake when selecting the type of account I was paying from. I selected checking account when it is actually a savings account. I learned a couple days later the payment was declined. I then added the bank account again, this time correctly listing the account as savings, and I submitted my payment. About a week later I got a notice of closed accounts on my credit report. When I looked into it I found that all of my Synchrony bank credit cards, XXXX XXXX, XXXX XXXX, XXXX and XXXX were all closed. When I checked I found my second attempt to make a payment on my XXXX XXXX XXXX did not go through, showing as rejected. After calling Synchrony, an agent told me I could not do an online payment using a XXXX account. Their website did not give me a warning the payment would not go through. I checked with my bank and I was told the second payment attempt was never presented to the bank to pay. The Synchrony agent said I could use a savings account for payment over the phone, just not for online payments. She took my information, using the same account I was trying to pay from, and my payment went through without problem. On all the cards that were cancelled I never had a late payment, I never went over my credit limits, I only had a small balance on XXXX card that I immediately paid in full. When I called Synchrony requesting my credit cards be restored I talked to several agents and all said that was not possible, referring to Synchrony 's policy in their terms they can cancel cards at any point and for any reason. I asked to talk to managers and was told the same. I was always respectful talking to the agents. I think Synchrony cancelling my cards were not right, I made a simple error, and their own computer system did not alert me a payment would not go through when I tried to correct. When the second payment attempt was rejected I did not get notification of the problem until after all my Synchrony cards were closed. I did not get the opportunity to correct the problem. I feel closing my cards was an unfair practice considering Synchrony 's own system was the problem my second payment did not process.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. 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 non-monetary relief
Consumer complaint received 2022-08-13 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: MD

Complaint narrative:
I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes please. 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 non-monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My account is through XXXX XXXX My account was paid in full and I had noticed my credit score suddenly dropped from XXXX ( in XXXX ) to XXXX ( in XXXX ) it dropped XXXX points simply because XXXX reported my account as 30 days past due. I have never in my life missed a payment nor did I get a statement from them. On XX/XX/XXXX I spoke with a representative ( I have representative information and references numbers for my calls ). I was informed because technically I was a couple days late when I paid my balance off the late fee did not reflect when I was making my payment. Fast forward they charged me a late fee ( which I never received notification of ) and because I didnt pay this late fee I was reported for 30 days past due. I was told on XX/XX/XXXX they would reverse the fee and I only had to pay about {$7.00}. I checked again on XX/XX/XXXX and saw my account still shows a balance. Again I call and speak with the supervisor this time named XXXX. I was told again they would clear the charge and clear the charge through my credit report. Today on XX/XX/XXXX I go and look at my account which still shows I owe a balance of XXXX with a statement date of XX/XX/XXXX, the day after I spoke with the supervisor. I have not received this bill in the mail. Now here I am trying to figure out what to do. Do I close this account and potentially lower my credit some more? Ive never had this issues with any of my accounts and have worked so hard to raise my credit as Im trying to buy a house. I feel like they are giving me the run around and Im not sure what other options I have. I would like to note my bank sent a check to pay this account off which was done in XXXX and since then I have nothing but issues and random fees. I have also not received any of these statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On or about XX/XX/2022, I requested a credit limit Increase. I received the denied letter on XX/XX/2022 ; however, the denied reasons are unacceptable and possibly violate the unfair business practice. Reference to financial institution denied letter reasons ; reasons XXXX : Credit Line Recently Change on this account! ( I do not have a credit limit increase at all since the card opened ). Reasons number XXXX ; Unable to establish a XXXX XXXX. Both of the reasons are unacceptable. For the reasons mentioned above, I also have very strong established credit, with multiple a total of XXXX ( XXXX ) credit accounts. 
( MIX ). I believe the financial institutions did not proceed with my request ( discriminating ) based on application data! Moreover, the institutions violating the Federal Equal Credit Opportunity Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
Reporting wrong balance amount steady increasing balance after years of charge off keeps reporting open and closing of account to purposely damage my score as a form of harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
My husband ( who I have been separated from ) opened credit card accounts in my name and left me alone with a mortgage, XXXX to support and put food on the table all while I have been a XXXX XXXX XXXX mom. Its been very difficult to pay anything let alone any credit card that I never opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was scammed by an Fraudulent investing company called- XXXX XXXX  Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by so-called XXXX XXXX  ( the Company ). The total amount of XXXX USD was transferred from my wallet utilizing Cashapp 's services.

They lured me in with the story that they could help me earn money, that i wouldn't have to wokr so hard and have more time with my children.. They sold me an Idea that i unfortunately fell for.

XXXX  blame Cashapp because they knew i was sending money to a scammer and did not do ther due diligence and protect me as their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
My mortgage servicer, M & T Bank, has been waiting to apply my mortgage payments to my account, charging me erroneous late fees, harassing me with late payment phone calls when my mortgage was paid, and marking me late on my credit report for the last XXXX years. 

I have tried on several occasions to resolve this on my own with M & T but XXXX received any help of any kind. I have called on several occasions, written a letter, and even sent in proof of the receipts to show when my mortgage payments were made. 
Every single mortgage payment in this time period has been made the exact same way. I cash my check at the XXXX M & T branch closest to my home, then give the teller the cash to pay my mortgage payment. Every single payment I have made has been made prior to being XXXX days late on my mortgage payment, and I have the receipts to prove it. However, my credit report shows otherwise. I believe that I have not had a late payment since prior to XXXX of 2020. In XXXX of 2020, I caught up on my mortgage. I believe I was XXXX months late. This was due to my XXXX being XXXX  and XXXX in my home. 

Having these late payments on my credit report is hindering me from being able to sell this house and purchase a new house, which I need to do to be able to bring my XXXX XXXX here to live with me. I have been told by more than XXXX mortgage company that I need to have a cleaner payment history in the most recent 12 months to meet mortgage underwriting guidelines. Additionally, this has destroyed my XXXX XXXX, preventing me access and/or reasonable terms to multiple different forms of credit. 

I will attach the following documents to show proof : - A written timeline/ outline that shows the date the payment was made, the amount the payment was made for, what months mortgage payment, if I should have accrued a late fee for paying after the XXXX of the month, when I did pay late fees, and the late payments that appear on the credit report broken down by year - Copies of all receipts from M & T Bank XXXX specify the date the mortgage was paid and for how much - A copy of my most recent credit report - A copy of my most recent letter from M & T showing I have tried to resolve this on my own. I have additional letters, but Id have to look for those letters. The letter shows that my cash mortgage payment is not being applied when it is received. 
- A copy of my most recent monthly mortgage statement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
Date of issue : XXXX XXXX Amount : {$540.00} I contacted chime for a month about an unauthorized transaction. I provided them with all the necessary documents they requested. I followed up everyday. No help once so ever. I told them that I wouldnt be able to get my fianc to work or myself. Rent would be late so I would more than likely face eviction. I got nowhere w CHIME so I contacted my local news station. He contacted chime on my behalf. They all of a sudden found the error, refunded my money but it was too late. I couldnt get to work or my fianc bc of the transaction. Chime was very rude and did not care or try to help. They informed me that I needed to basically do my own investigation to find out what happened. If this can not be resolved I will be suing for monetary damage, along w emotional distress. I got behind on rent bc we lost our jobs. I have XXXX small children.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Third submission of original complaint from XX/XX/22 The following is the correct data on revolving credit utilization as appearing on XXXX XXXX report : Primary Cards Usage Card Usage History You're using {$25000.00} out of {$54000.00} total credit limit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 100 % 98 % 97 % 92 % 30 % 50 % 100 % View all accounts Charge cards not included in calculation {$25000.00} / {$54000.00} = 46 % revolving credit utilization Experian is falsely showing 100 % revolving credit utilization from the same figures and falsely reporting XXXX XXXX as XXXX points lower than it actually is

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