vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
BACK IN XX/XX/XXXX THEY CLOSED THE ACCOUNT. PRIOR TO THAT I WENT INTO THE BRANCH AND WAS TOLS THEY HAD TO REACH OUT TO THEIR BACK LOG TEAM AND HAVE THE ACCOUNT PUT ON THE SERVER. THE REP HAS FAILED TO CALL ME BACK AND EVERYTIME U CALL THEM HE IS WITH A CUSTOMER AND WILL CALL ME BACK. I REQUESTED MY ACCOUNT STATEMENTS WITH THE LAST TIME BEING ON XX/XX/XXXX. I WAS TOLD VIA PHONE REP THAT THEY HAD NO NOTES ON THE ACCOUNT AND COULD NOT FIND AN ACCOUNT. TO GO BACK TO THE BRANCH AND THOSE ARE THE ONLY ONES WHO CAN HELP ME. XXXX  ARE DENYING ME ACCESS TO MY RECORDS AFTER THE RANDIMLY CLOSEE MY ACCOUNT WITH NO EXPLANATION OR COMMUNICATION. NOW XXXX ACCOUNT NEVER EXISTED.

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 2023-11-25 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: PA

Complaint narrative:
XXXX LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION PLEASE REMOVE OFF OF 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 2023-11-25 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am asking can Barclay 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and XXXX ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by Barclay 's. This is the only missed payment on my credit report and my Barclaycard account is closed.

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 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
Had a problem where XXXX withdraw XXXX from my account without my authorization on XX/XX/XXXX bank would not let me dispute it until XX/XX/XXXX I haven't did business with XXXX since XXXX the bank told me it was auto withdraw but I my since XXXX my account has been close since then and I revoke my auto setup on XX/XX/XXXX the bank denied my dispute on XX/XX/XXXX they resubmit it saying the original dispute was put in wrong they won't even give me a temporary credit while they investigate the issue I feel like they are not protecting my money

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 2023-11-25 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: FL

Complaint narrative:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter.

I provide below the details of my account for your reference : Account Number : XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

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 2023-11-25 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:
To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account. I acknowledge and deeply regret this incident and wish to address it proactively. As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. I eamestly request your kindness and consideration to remove those late payments from my payment history. I greatly appreciate your understanding and support in this matter. 
I provide below the details of my account for your reference : Account Number : XXXXXXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 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: WA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-25 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:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: PA

Complaint narrative:
my credit report is not 100 % correct this information listed on my account is not correct I am disputing XXXX account listed on my account THIS IS NOT MY ACCOUNT THIS IS FRAUD

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 2023-11-25 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 LISTED ON MY CREDIT REPORT STATES I OWE A BALANCE OF {$64.00} THAT IS NOT CORRECT I CONTACTED THE COMPANY THEY ARE AWARE I HAVE A {$0.00} BALANCE PLEASE REMOVE THIS INCORRECT INFORMATION OFF OF MY CREDIT REPORY

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 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have an autopay set up for the minimum payment to avoid late fees in case I am unable to access my phone. Typically I manually pay the full balance of my card so the issue I am going to describe has not occurred previously. 

On XX/XX/XXXX I made a manual payment via the Capital One app. I selected the " Remaining statement balance '' option for the amount in order to avoid interest, the amount paid was {$1100.00}. After submitting the manual payment the app prompts me to cancel my automatic payment for the month. I do as the app suggests and cancel the payment as I've just presumably paid the statement balance and won't be charged interest. 

I then received an interest charge of {$73.00} on XX/XX/XXXX. I received a second interest charge in the amount of {$80.00} on XX/XX/XXXX. I believe this second charge is a residual/trailing interest charge. 

On XX/XX/XXXX I called Capital One for an explanation of how I was charged interest when I paid my statement balance. A Capital One representative informed me that because the autopay had been scheduled, the amount in the " Remaining statement balance '' did not include the amount scheduled for autopay. Therefore when I cancelled the autopay, as the app prompted me to do, it resulted in carrying a balance on my card and interest being charged. I viewed this as an app issue and felt I was being penalized for proactively paying my statement balance despite being unemployed at the time of the payment. The representative offered to waive only {$50.00} of the total interest I had been charged. I called back during daytime hours on the same day so I could be escalated, but the representative I was escalated to gave the same offer. I was denied further escalation and told it was the best I was going to get.

In summary, I was charged interest on my account due to an issue with the app, and customer service was unwilling to make it right. I simply wanted to pay my statement balance but was prevented from paying the full amount by the design of the app. I would not have canceled the automatic payment if I had not been prompted to and would have avoided interest entirely. I feel the app prompting to cancel and leading to this issue may be a disingenuous and anticonsumer deliberate design decision. I don't have this problem with other major credit card apps. Specifically, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-25 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: Marlette Funding, LLC
State: MD

Complaint narrative:
Best Egg Financial did not investigate or report ( XXXX 's ) card not present transactions beginning on XX/XX/2023 which are still ongoing. 

Spoke to Merchant - XXXX XXXX on XX/XX/2023 - at the direction of Best Egg Spoke to local police - on XX/XX/2023 at the direction of Best Egg Spoke to XXXX ( debit card/checking account ) - XX/XX/2023 Spoke to an attorney who advised me to follow the direction of Best Egg. 

Best Egg Credit Card - Issued by XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SD provided only a hotline ( XXXX ) XXXX which was often unreachable during business hours. Each Best Egg representative would not provide their title, last name, or an escalation contact. Any attempt by myself to validate the legitimacy of the organization was dismissed and resulted in me having to provide additional sensitive information during a fraud investigation. To my knowledge, no record of prior phone calls where maintained by Best Egg although this information was transmitted via telephone on a record line. 

Case number - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
on XXXX XXXX fraudulent charges by " XXXX '' {$120.00}, {$120.00} and {$4.00}... 
on XXXX XXXX fraudulent charges by " XXXX '' {$12000.00}, {$120.00} and {$4.00}... 
on XXXX one charge for {$10.00} by " XXXX '' total of {$510.00} was fraudulently charged to my paypal mastercard. I closed my account in XX/XX/2023 and somehow scammers are still allowed to make charges months later. After investigation the XXXX charges by " XXXX '' of {$120.00}, {$120.00} and {$4.00} were admitted as fraud ; leaving the XXXX charges of {$120.00}, {$120.00} and {$4.00} by " XXXX '' still on my account. 
My XXXX bill showed the correct amount owed of {$83.00}. But in XXXX those charges totaling {$250.00} were again transfered to my new account. I intentionally did not activate the new card they sent me to prevent further scams. 
After countless phone calls resulting in wasted hourseach call. On XX/XX/2023 I finally recieved a mailed copy of my account with a balance of {$10.00}. However, in reviewing my paypal account online the balance is now {$440.00} as of XXXX. The fraudulent charges were again added to my account. 
Current account balance is {$440.00} - XXXX {$190.00}. That is {$180.00} in interest and fees on fraudulent charges. 
I was " assured '' in XX/XX/2023 thesecharges would be removed but intead more charges are added. 
ibelieve these fraudulent charges are made by employees or associates of enployees that would have access and knowledge of account information due to me never activating the second card paypal sent me. 
When I have called paypal and Syncrony bank I get excuses, for the fraudulent charges being added the new account that I never opened.

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 2023-11-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Block of information due to identity theft Dear XXXX XXXX XXXX Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : XXXX XXXX ( XXXX XXXX ) Account Balance : {$6800.00} Account Number : XXXX Your company has 4 business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation.

I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
I consolidated all my loans to Mohela. I have had to make several phone calls to them during the consolidation/ repayment starting period. Each time is more than an hour wait on the phone. Each time is someone different who gives me incorrect information leading to another call to Mohela. On XX/XX/XXXX I was denied IDR even though I met the criteria. After speaking with someone, they told me I did qualify, so on XX/XX/XXXX I was approved for IDR. In XX/XX/XXXX I noticed another error with only 2 of my 6 qualifying loans being included in my IDR plan, so I called again ( XX/XX/XXXX ) to figure out why I was placed on administrative forebearance. I was told I needed to provide income info, which I did and was told my payments on SAVE plan would be XXXX. Two days later when I called with my tax info, I was was told my payment would be {$42.00}. So XX/XX/XXXX IDR approved again, XX/XX/XXXX it was canceled completely. I receive notice all my IDR was canceled due to not providing tax info, which I have provided numerous times via phone calls after waiting more than 60 minutes to speak with someone. So with XXXX on XXXX tax of XXXX, family of XXXX, I am told I now owe more than {$800.00} due by XX/XX/XXXX, while my tax documents sit in " being processed '' status since XXXX. My husband is permanently XXXX, and I work for non- profit as primary income provider. I can't afford to pay {$800.00} this month, I met all criteria for SAVE and should not be responsible for an incorrect bill because Mohela can not do their job. This feels fraudulent and illegal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

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 2023-11-25 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: CA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation