vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> my checking account went into overdraft by {$110.00}. The next day, XX/XX/year> deposited {$110.00} to avoid the overdraft fee. The same day another ACH transaction was pending but had not posted. That day I called the branch manager XXXX, and explained my situation. He told me that as long as I had the amount to clear the {$110.00}, that the pending overdraft fees of {$100.00} would fall off, due to overdraft grace. The next day, the fees didnt fall off and they hit my account. That resulted in another overdraft fee being applied for the ACH Transactions that was pending. After ignoring my messages and calls for 2 days. The manager does a complete change and says that the deposits werent in time, but when I presented him with proof, he just claims that isnt how their system works and that he couldnt help me. I did everything he instructed me to. And if you look at my account. At the end of each day, the only thing that had my account negative, was the overdraft fees themselves. How can your manager instruct me to do something, and then not stand by his word? Its crooked and a deceptive business practice. If he wouldve said the truth from the start I couldve easily moved more money to that account to cover it.

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 2024-02-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I signed up for the trial for Experian XXXX and when the trial ran out I am no longer able to log in to use the free version without paying for a higher tier membership. The login screen doesn't allow you to choose the basic free membership anymore and even though it says there is a free option to choose from, there is not. You can only PAY FOR A MONTH, AND THEN get into your account again and choose the free setting. You are basically locked out of your account until you pay for a month up front ... .I 've tried emailing them and no one responds. Try to call and they talk to you like its imperative to keep the membership or you're credit will go down the drain. ( We all know there's no need to pay for the membership, reps should do what we ask not what the company wants from us )

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 2024-02-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/1989 SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/1989 I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute. 

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXXXXXX XXXXXXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, 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 2024-02-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Illinois XXXX Date of Birth : XX/XX/year> SS # : XXXX Subject : Dispute of Inaccurate Personal Information - 15 USC 1681-1681u Dear Sir/Madam, I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. This dispute is in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681-1681u.

Enclosed with this letter, please find a copy of my credit report from your agency, highlighting the inaccurate information. The inaccuracies are as follows : MY ONLY NAME IS : XXXX XXXX MY ONLY ADDRESS XXXX XXXX XXXX XXXX XXXX, Illinois XXXXMY ONLY DATE OF BIRTH IS : Date of Birth : XX/XX/year> I request that you investigate the disputed items as required by the FCRA and promptly correct any inaccuracies in my credit report. I understand that, under 15 USC 1681i ( a ) ( 1 ) ( A ), you are obligated to conduct a reasonable reinvestigation of the disputed items within XXXX  days of receiving this dispute letter.

Furthermore, please provide me with written confirmation of the
actions you take as a result of this dispute, including any deletions or corrections made to my credit report. Per 15 USC 1681i ( a ) ( 6 ), I am entitled to a free copy of my credit report if changes are made as a result of this dispute.

Additionally, I would like to request that you notify all creditors or data furnishers who may have provided this inaccurate information to your agency about the dispute and its resolution, as mandated by 15 USC 1681i ( a ) ( 2 ).

I appreciate your prompt attention to this matter, as the inaccuracies in my credit report are causing me financial harm. I expect your agency to comply with all relevant provisions of the FCRA and resolve this dispute within the statutory time frame. 

Please contact me via mail at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX to inform me of the progress and resolution of this dispute. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 am writing to dispute an account on my credit report that I believe is fraudulent. I attached letter together with the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
On XX/XX/XXXX my mortgage payment was made to PHH mortgage company. On XX/XX/XXXX they took out a second payment for XXXX causing my checking account to be overdrawn by {$3800.00}. 
I called and asked them to reverse the second mortgage charge as they were payed on the XXXX. After several phone calls they finally said they would send a check for the amount of the overdrawn funds, but it would take 20 days to get the check to me. 
I was overdrawn by {$3800.00} with no way to replace it. So I called my bank and talked to a supervisor. They were able to stop payment on the second draw on my account. Again the first draw went through and my mortgage was payed on XX/XX/XXXX as every month. 
When I went to pay my XXXX payment on XX/XX/XXXX PHH told me I was late on my XXXX payment charged me a late fee of {$170.00} but I wasnt late it was paid on XX/XX/XXXX. They applied the XX/XX/XXXX payment to XX/XX/XXXX payments. Now they refuse to reply or give me back the {$170.00} late charge back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I recieved a call from a company called XXXX XXXXXXXX XXXX XXXXXXXX stating i owed a balance on an HSBC credit card that i had paid in full in XXXX. I have the paid in full letter from the attorney i paid this debt debt with so i emailed it to the address they provided. XXXX. I was informed that they did not accept my letter as i either paid the wrong company or my paid in full information was fraudulant. They also said they a processing a fraud case against me and this was a felony. I thought it was odd no matter what time of the day or night i called i always got XXXX ( no last name or id provided ). He said they filing in the state of Oregon where i have not lived for several years, they did not ask my current address. XXXX XXXX. I just XXXX that number and it is one of the most frequently googled numbers in XXXX CA. XXXX XXXX is the attorney that is suing me. They refused to give me an office name, Phone number or address. They are also calling others about me, my step father my mother has passed in XXXX and he has re-married. When i said i was contacting the CFPB XXXX got angry and said all documents were void and they would see me in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding my experience with Credit Karma Money Spend Account. I have encountered several issues with my account, which have not been resolved despite multiple attempts to rectify the situation.

1. Locked Out of Account : On XX/XX/2024, I was locked out of my Credit Karma Money Spend Account without any prior notice or explanation. Upon attempting to regain access, I received a message stating that multiple incorrect codes had been entered and to wait before trying again. Despite waiting for more than 48 hours as instructed, I am still unable to access my account.

2. Inability to Conduct Instant Transfers : Additionally, I have encountered difficulties in conducting instant transfers for funds from my Credit Karma Money Spend Account. This has caused inconvenience and has restricted my ability to manage my finances effectively. 
3. Unable to Access Virtual Card Information : Furthermore, I have been unable to access essential information regarding my virtual card, which is necessary for online transactions and other financial activities. This lack of access has hindered my ability to use my account efficiently. 

I have made numerous attempts to contact Credit Karma Moneys customer support team to resolve these issues, but I have not received satisfactory assistance or resolution. These ongoing problems have caused significant frustration and inconvenience, and I believe they constitute a violation of consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I reached out to the companies and they replied stating that it has been verified but failed to show proof of verification. I do not recognize this creditor nor authorized them to pull my 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I noticed Unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX XXXX, has violated my rights. 

In accordance with Fair Credit Act, XXXX XXXX, has violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have submitted a dispute on how you all are showing a balance on my account of XXXX, but it should be XXXX as the account has been paid and has a XXXX balance. Account stil shows a balance and is hurting my score, needs to reflect correct info of {$0.00} balance

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity 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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: NC

Complaint narrative:
Per the FCRA, I am a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation { {$1000.00} }, for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
I are writing to bring to your attention a billing error related to our account, as governed by the provisions outlined in 15 U.S. Code 1666 and 12 CFR Part 1026 Regulation Z. This billing error dispute encompasses past, current, and future Certificate of Indebtedness transactions associated with the contract in place between XXXX XXXX and Regional Finance regarding my account.

It has come to our attention that there has been a failure to credit our account for the Certificate of Indebtedness, particularly concerning dividend payments derived from our treasury coupon. Despite Regional Finance benefiting from dividend payments related to this certificate, a corresponding credit has not been applied to our account from the dividend payments that Regional Finance made off our treasury coupon. 
Moreover, this discrepancy XXXX be in violation of the regulations set forth in XXXX XXXX XXXX XXXX XXXX XXXX, which governs certain aspects of credit transactions, including billing errors. We would appreciate a thorough review of our account to ensure compliance with these regulations. 
Additionally, we would like to highlight a non-compliance with the XXXX Funds Transfer Act ( XXXX XXXX. XXXX ) in the crediting process. Specifically, interest accrued from our treasury coupon, as outlined by the aforementioned XXXX, has not been duly credited to our account through the appropriate channels. 
We are confident that XXXX XXXX values its commitment to adhering to federal regulations and ensuring transparency in all financial transactions. As such, we kindly request a thorough review of our account to rectify the billing error promptly. Furthermore, we expect a detailed explanation of the discrepancies identified and the actions taken to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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:
I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.

Company response to consumer: Closed with explanation