vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Target RedCard/TD Bank continues to incorrectly report 30 day past due payments that are not 30 days past due. Target reported a 30 day past due payment for XXXX when a payment was made on XX/XX/XXXX that satisfied the past due amount. This would have been before 30 days past due. Target also reported a 30 day past due payment for the month of XXXX which I was assured would be corrected by phone representative XXXX when I contacted Target directly on XX/XX/2022, yet never was even when a dispute was filed with credit reporting agencies. I continue to pay the amounts listed on the provided statements from Target but they consistently provide incorrect reports contrary to what is provided on their statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC section 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-03-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reached out to TransUnion Consumer Agency on XX/XX/XXXX about some inaccurate reporting that had been reporting on my consumer report, One of the disputes were the fraudulent inquiries that had been reported on my consumer report, Every inquirer that is not tied to an account is not authorized by me and did not sign for ( XXXX XXXX, and XXXX ) and unlawful Late Payment Reporting Cornell Law states 15 USC 1681A ( 2 ) ( a ) ( i ) Transactions are not part of a Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; So these Accounts listed below are reporting transactions and or experiences and this is illegal, XXXX XXXX| Account XXXX XXXX | Date opened : XX/XX/XXXX, XXXX Late Payment Reported XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX | Late Payment Reported : XXXX XXXX XXXX XXXX  | Account # : XXXX Late Payment Reported : XX/XX/XXXX XXXX XXXX  XXXX | Account # XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and the last Dispute was about 2 Charged-Off alleged XXXX XXXXXXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) that are canceled debt and According to IRS, Debt that you owe that has been canceled, forgiven, or discharged becomes taxable income from the lender that forgave the debt and should receive a ( Cancelation of Debt form 1099C ) it is now gross income and Income is not part of anyone Consumer Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I was banking with wells Fargo. A transaction was make. Which I disputed. My account was closed. Am I won my dispute years later. It was cleared but over time I wasnt able to open account due to a Wells Fargo hold

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Initial charge on this card was in the amount {$2900.00} clearing the {$2500.00} threshold for 24 month interest free financing according to https : //www.ikea.com/us/en/customer-service/services/finance-options/ My statements are showing 12 month interest free financing and this is incorrect according to all forms of advertising by XXXX and the rate and fee summary provided as part of the agreement with Comenity Bank XXXX 

Comenity Bank has refused to assist claiming the issue can only be cleared by the vendor ( XXXX ) XXXX has refused to assist claiming the issue can only be cleared by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/XXXX I was called by a verified Bank of America customer service number XXXX. The correspondent said his name was XXXX from the Bank of America fraud department. XXXX mentioned that there had been some activity on my account from Wisconsin. I live in XXXX, NC and had no connection. I was skeptical at the call but what had got me was the fact that XXXX knew the last XXXX digits of my social security number, date of birth, and last XXXX of my account number. After I complied with this caller, my account was wiped of {$3400.00}. I was very disappointed, because how can I trust any Bank of America number after this happened to me. I usually dont comply with calls like this but that fact that a correct Bank of America number called me 4 times spark a concern from me. I dont know if this is the right people to report this too but I am concerned not just for myself but for others who might be put in the same situation.

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 2023-03-16 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: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 sec 602A. I have a right to privacy.

15 USC 1681 604A sec 2 consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following items of information : any adverse items of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
I was transported by ambulance in XXXX from XXXX XXXX XXXX, XXXX FL to XXXX XXXX XXXX XXXX XXXX because I was XXXX XXXX. I never received a bill from XXXX XXXX XXXX XXXX XXXX ). If I had received a bill, I would have given XXXX my XXXX XXXX XXXX XXXX from Florida XXXX XXXX. 

In XXXX, I was advised that I had a collection on my credit report from XXXX. Phoenix Financial Service had purchased the XXXX debt from XXXX and listed it on my credit reported as opened on XX/XX/XXXX. Now this XXXX debt will be on my credit report until at XXXX, unless Phoenix Financial Services due what most collection agencies due, they keep changing the opening date of the collection to keep it alive on your credit report. 

PHOENIX FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX These people are predator collection agency, will not stop writing and calling ever though I have asked them to stop. 

This is an old debt that should not be on my credit report as it is a medical bill Thanks for you assistance with this matter Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: GA

Complaint narrative:
I never received credit that was due to me, the co-owner of the property along with my husband for a change in home insurance. Midland Mortgage paid out both premiums. Id informed the prior company of our decision to switch our home insurance coverage to our present home owner insurance of XXXX. Since Midland paid both companies it made my mortgage payment increase to XXXX more a month to which I have been paying since XXXX. I need my mortgage to go back down to XXXX like it was before. I need the former insurance company to reimburse me the extra payments they caused me to pay all because they refused my refund. The insurance paid to them was NOT for my husband, but it was for OUR HOME. XXXX XXXX was never sole owner. Thank you for your time and 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 explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I have an XXXX credit score. We have two accounts already with Synchrony Bank. 
About 2 months ago I applied for a Sams Club card with Synchrony Bank, and received a card and activated it. I called and requested a card for my wife so she could use the card. 
Customer service said it would take 30 days before they could send one. I told them if they could not be accomodating, to close the account.Was told there had been an address change. We have had the same address for 21 years. On XX/XX/XXXX, I made an application again and when I called customer service was told it was rejected. Could not get a reason why and didn't know how to get card. I wrote letters to the president of Synchrony and Sams Club, with no reply. I spoke to 6 different departments over 30 minutes and got no answers. Apparently Synchrony Bank customer service is in disarray Still would like to get the credit card, but someone must get Synchrony to correctly service consumers.

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 2023-03-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-16 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account XXXX : XXXX has violated my rights. Or the list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CADENCE BANK
State: MS

Complaint narrative:
I got into XXXX XXXX last year and missed a a couple of payments on my mortgage. I talked to a rep with a plan in catching up my payments while also seeking out mortgage help through XXXX XXXX. During the process of applying through XXXX XXXX, I was still making payments on my mortgage with the intent of catching up by paying more than the monthly payment. The last payment that was accepted was on XX/XX/2023 and I've sent 2 more payments since then to attempt to honor my obligation. I was sent a letter stated that per my mortgage loan that my payments are being sent back. I emailed the debt collector from the bank and asked where in my paperwork was that stated. She refused to tell me or respond through email. I want to communicate through email for XXXX XXXX purposes on my end. In my contract with them, there is no such wording from what I read that gives them the right to deny my payments. I asked a legitimate question and they failed to respond with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have tried multiple times to withdraw money from the Money Network card that was issued by XXXX XXXX  XXXX XXXX Money Network Financial , LLC. On or about XX/XX/2023, I activated the prepaid debit card I received as part of the California Middle Class Tax Refund. Every day since XX/XX/2023 I have tried withdrawing money from multiple ATMs using the correct PIN but the account shows a {$0.00} balance even though when I log on to the XXXX XXXX  XXXX XXXX Money Network Financial , LLC 's website https : //mbd.everywherepaycard.com/ My balance is still {$1000.00}. I have attempted to transfer those funds to my personal checking account but the system keeps giving me an error. Anytime I call the Customer Service line at XXXX and at XXXX, I am told that they are not allowed to assist with the issues because their employer, XXXX XXXX  XXXX XXXX Money Network Financial , LLC, is instructing the very small customer service team to hang up on all the callers calling in about their tax refund balance so that the bank can keep the funds longer. This is illegal and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.

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