vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting information that is misleading and inaccurate that is affecting my ability to obtain housing and employment. I have sent a letter requesting it be removed previously and that it stopped being reported. 

The company is stating that I was charged with XXXX XXXX when in fact I was not. The charge was changed to a XXXX  and I paid fines and had XXXX This is public record and available online at the XXXX XXXX website. 

Record is reported 3 times so employers perceive it is different charges. 

It has prevented me from obtaining housing at XXXX XXXX in XXXX Michigan. It has also affected my ability to gain employment due to it being a XXXX  When I contacted the court they said it was not their responsibility to resolve. They reported accurately in their systems. Contact who is reporting the false information. This incident was almost 15 years ago.

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 2023-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: ECMC GROUP, INC.
State: NJ

Complaint narrative:
I entered bankruptcy with about XXXX in debt. My payment plan included payments to my loan such that I should have seen the total owed reduced. Instead after 5 years of payments my loan INCREASED by about XXXX. This doesn't make sense to me.

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 2023-10-18 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I pay my mortgage 2-4 weeks in advance of the due date. My payment for XXXX was made prior to me receiving information that it was increasing due to an escrow shortage. I made up the difference and paid my XX/XX/XXXX2023 payment. On XX/XX/23I continued to receive text messages asking to make my XXXX payment. I called that night to find out that they didn't apply my payment as a payment for the month of XXXX or XXXX but rather applied it toward principal. This resulted in a junk late fee of {$50.00} and is impacting my credit score. The young lady I spoke with stated that she would correct it while we were on the phone but that I would still need to pay the XXXX XXXX I did immediately. Today I logged on and noticed nothing has been corrected and the account still reflects that I owe an XXXX payment. The young lady I spoke with Monday stated that " Rocket Mortgage has the right to apply any payments how they see fit ''. She also stated that if I made the additional payment of XXXX $ Monday evening that would avoid any further late fees. But none of what she advised has occurred. This isn't right and it's unfair and deceptive to the consumer as it causes harm to credit reporting. I believe that there are UDAAP and FCRA infractions here along with Reg Z. I just want this corrected and resolved as I've done everything that was advised by Rocket Mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX Capital One Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
XXXX XXXX Credit usage 34 % Balance {$1300.00} Balance updated XX/XX/2023 Credit limit {$4000.00} today is XX/XX/XXXX XXXX XXXX Credit card told me they reported to XXXX to get the balance correctly now to {$370.00}. It is still showing {$1300.00}. I spoke to XXXX XXXX and he says he will reach out to them. I believe they are deliberatly not doing it to prove a point. 
the Point is that we live in 2023 and this information should be accurate and not wait 30-60 days. I will not apply for credit until its updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-18 00:00:00
Product: Credit 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was in the XXXX XXXX on vacation when charges were made to my card without my consent. The charges were XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This is a total of USD XXXX. I was also charged foreign transaction fees on this in the amount of USD XXXX. Wells Fargo continues to charge me interest fees on these purchases as well. So far I believe I have paid close to USD XXXX in interest. I have filed a police report with the city of XXXX, Ga ( Case Number # XXXX ), opened three different fraud disputes with Wells Fargo, spoke with investigators at Wells Fargo, gone into a branch to speak with the manager, and spent countless hours on the phone with them only to have all my claims denied. They claim that since I told them I had the card in my possession and a chip transaction was used I am liable. When I went into the branch, I showed the branch manager the card and she said it looked like my card had been tampered with. It looks as if the chip was taken off and replaced with a different one. When in the XXXX XXXX, we stayed at the XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. We went straight there from the airport and never left once we were there. My wife as well as the friends we went with will testify to this. There was no way for me to make these charges while there. I did not go to these establishments nor know what they are. I am at my wits end with this and do not know what else to do. Please help!

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 2023-10-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had asked the Chase ultimate rewards to explain and investigate about the charge of XXXX points I used to book XXXX XXXX XXXX, Chase ultimate rewards reference XXXX Original book ID XXXX The advertising on the chase page is incorrect, you can't check in because there are no keys and no front desk and as a result, I have to book another hotel I had contacted ultimate rewards multiple times and each time they told me they are resolving the issue, it has been over a month

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I was informed via e-mail in early XXXX that I had a payment due for a credit card that I never applied for. I contacted the company, Barclays, and reported the account as fraudulent. Their agent said it would be done. A month later, I received another statement. I contacted them again and was told that nothing had been done, but an investigation could be opened. I was then informed that their investigation determined the account to be legitimate, and they refused to close the account. I requested they re-open the investigation and submitted proof of a data breach from the XXXX XXXX XXXX  website as the likely source of my stolen information to create the account, as well as my filing with the FTC for identity theft and a personal statement that the account was not opened by me. They continue to report the account as valid to XXXX, despite my request to have it disputed and removed from 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 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: RI

Complaint narrative:
On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Consumer Financial Services
State: FL

Complaint narrative:
THIS IS NOT A DUPLICATION. 

I submitted a claim, MULTIPLE TIMES NOW, they refuse to answer my questions on the phone, they refuse to work with me, they refuse to find a solution and help people who are innocently suffering with false inquiries. The company stated as follows : XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reviewed the complaint and attachments. Our records show that XXXX XXXX applied for an auto loan on XX/XX/2023, via newroadsautoloan.com. XXXX received the credit application electronically. A copy of the disclosure and consent is attached. Ultimately, XXXX did not finance XXXX XXXX. If XXXX XXXX believes that the inquiries were submitted in error, please provide additional information to our Credit Report Response Team for investigation at XXXX XXXX XXXX XXXX XXXX, Attn : Credit report Response Team, XXXX XXXX XXXX, XXXX, CA XXXX. However, I did not authorize them to access my credit report. I have not spoken to ANY personal at this company to do such as long as I have lived on this earth! I do not know anything about this company. I could not tell you what they do or what their company offers- if they offer any services. No clue is they are even reliable or accreditable. I have never encountered them, do not wish to, and do not need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
There was several accounts opened in my name that I never opened

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On Monday, XXXX XXXX XXXX, I used the drive thru atm at a Chase bank at XXXX XXXX, XXXX, Texas, XXXX. I tried to withdraw {$900.00} out of my checking account. So I did the normal routine to withdraw, I usually click on no receipt because transactions also reflect on my online account. So while I was waiting for my money to be dispensed a red banner popped up saying there was an error. So I went inside the bank and tried their ATM in there, it told me I had insufficient balance but I never got any money, I got confused so I talked to the teller. The teller checked my case and she told me she just saw a ticket from their ATM machine for an error. So she helped me file a claim. They gave me a temporary credit while theyre investigating so I left. Then the next day XX/XX/, when I checked my account money was gone again. So I called and now a lady told me that she was giving me a provisional credit and also, I asked her about the investigation and she literally told me it was already resolved and I asked her 2 or 3 times to confirm. So I hung up, the next morning, Wednesday XXXX XXXX XXXX when I checked my account the money was still not there so I called up chase again. Then this guy from their claims department started lying to me that the money that they credited me on Monday was not taken out, but as I checked in the morning before calling chase I only got {$60.00} left on my account so it seemed that he was lying to me about the credit not being taken out again just to simply reverse the situation and because I was already really frustrated with the call. And also, the lady I spoke to on Tuesday just lied to me outright telling me that their investigation is already done when it is not. Now Im reaching out to yall because Im afraid to get scammed by my own bank. I know they have security cameras that they can check to really confirm my claim, and theyre just dragging it out. Ive read on the internet that some people dont get their money back even if its not their fault and it needed for them to complain to yall just to fix the problems they caused. So I got anxious that they might deny my claim and tell me that they cant review their cameras anymore because its too long already. Im just trying to be proactive here and get this over with and file a complaint so this can be resolved soon cause this is bringing me a lot of stress. Hope to hear back soon. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2023-10-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit inquiries that i did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation