vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid my card off XX/XX/year>. I got a text on my phone from community bank saying to call them so I did. I looked at my account online from them and it says I owe {$87.00}. I called and they explained I had an interest charge and late fee. I said Im not paying {$87.00}, I paid my account off and the lady said she would help me and I said ok but Im not paying {$87.00} and she told me to listen to her shes trying to help me and I said ok and she said she could get it down to {$73.00}, I said Im not paying {$73.00}, I will pay the interest charge that I had that made me have the late fee and whatever else fees were on there to make it {$87.00} and thats it. I said who can I talk to to get this resolved and she said I will get a supervisor that can help you better with this and she put me on hold and in a minute or 2 the phone hung up on me. I called back and the lady started talking to me and I couldn't hear her so I said I cant hear you and I said it 2 or 3 times and then when I could hear her I couldnt understand her because her accent was really heavy so I said I cant understand you and she talked a little louder and said can you hear me and I said I can hear you but I cant understand what you are saying. So she asked me if I wanted something and I heard transfer so I said I still cant understand you but I heard transfer so yes please transfer me, she put me on hold and after a few minutes someone got on the phone and was talking really fast and I couldnt really understand them but then the person said can I get the name on the account which I told him and then the person said you owe this much are you going to pay it today and I said I know you know who I am because you are being rude to me and the person hung up on me. This was on XX/XX/year> that I called. I havent received any bills or texts or phone calls/ messages from them at all since I paid off this credit card but when I owed them money I got a call and text several times a day so why didnt I receive a bill in the mail or a text or call/ message that I owed the interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-06-18 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: IL

Complaint narrative:
I've received a copy of my credit report after further review I noticed a number of late payments, unauthorized account information reporting to my credit report. This is prohibited under USCODE -15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

which has not taken place, these late payments have been detrimental to my life and credit health.

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 2024-06-19 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo declined my fraud dispute without investigation. 10 days have passed and I have not received any credit As context, I am a customer with 25 year credit history, XXXX XXXX score, and no previous disputes On XX/XX/year>, I reviewed my account and noticed a large number of unauthorized charges, most if the amount around {$500.00}, all occurring in the course of XXXX weeks at about XXXX charge a day, at XXXX XXXX across the country. 

All these transactions were fraudulent. I reported it immediately to the credit card company. A few days later, agent called and asked if I have card in my possession ( I do ). She informed me that all transactions were " card present ''. I told her they are fraud, and pointed out to suspicious pattern described below. She hanged up. Few days later i received a letter denying my dispute. When I called, they told me that the charges were declined because transactions were " card present '' with chip used. I reiterated these were fraud and asked to reopen My complaint is : * Wells Fargo denied my report of fraud charges without attempting to investigate. I told them before that I have card in my possession and transactions are fraudulent. They ignored it. Simple XXXX search shows industry reports that fraudsters have been copying cards and fraudulently making chip transactions * Transactions are clearly following suspicious pattern : -- All but XXXX are from XXXX stores -- They occur about once a day -- They are all ~ {$500.00} or slightly less than that -- They are from different XXXX stores -- XXXX TX, XXXX TX, XXXX TX, etc -- These card present transactions happen when i did other, legitimate card present transactions in different locations far far away ( I see them on my statement ) -- I never used any of theseXX/XX/XXXXstores, and normal people don't make daily {$500.00} transactions in home improvement stores all around the country. 

* They did not try to do further validation that I told the truth : - They ignored all patterns above - Receipts have to be signed. Store records will show that the signature is not mine - XX/XX/XXXX records customers. One can ask video records and show this was not me - My cell phone and other records will show that I was nowhere close to these stores and was in a different part of the country, no one from XXXX asked me to provide any of these. 

* Wells Fargo declined my request without due care, and did not give me any provisional credit. I believe this is a violation of XXXX as an unfair and deceptive practice. 

I demand Wells Fargo to uphold the XXXX for fraudulent transactions.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Request for Investigation of Inaccurate Information on Credit Report I am writing to formally dispute the accuracy of certain information contained in my consumer report. I have identified an account that appears to be inaccurately reported. This inaccuracy is of great concern to me, and I request a thorough investigation into this matter. 

Account Information : Creditor Name : XXXX FIN Account Number : XXXX Please verify all aspects of this account and its reporting history. I am requesting that any information found to be inaccurate or unverifiable be corrected or removed from my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), please complete the investigation within the required time frame and provide me with the results in writing. Additionally, please send me an updated copy of my credit report reflecting any changes made. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: SC

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX, or TransUnion XXXX : XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.

1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 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: CA

Complaint narrative:
Your Name : XXXX XXXX XXXX XXXX. 
Your Address : XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXX Experian, or XXXX XXXX : XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY. FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

List : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX I NEVER gave you, OR the above-listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices. 

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed with late or missed payments and that is incorrect. 

The ABOVE listed ACCOUNTS were NEVER late and should be listed as PAYS or PAID AS AGREED and update my payment history to a green check or grey it out. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report, and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 
1681| ( a ), you must complete this investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report reflecting the requested changes. 

Best Regards 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
Consumer complaint received 2024-06-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following accounts due to their erroneous and negative reporting, which is in direct violation of the Fair Credit Reporting Act. These inaccuracies are adversely affecting my credit report and must be corrected immediately by Experian, XXXX, 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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened my account 4 years ago at the XXXX XXXX located at XXXX XXXX XXXX. XXXX, Texas XXXX. Back then we had few problems and resolved fast and afterward past pandemic it went downhill it's like they don't care about the consumers, and it shows with complaints filed with BBB and consumer media. I noticed that my rewards credit card was being hit with a higher interest rate than was promised to have had. I complaint about this and they showed no care. I was so upset, and I had an opened loan and was waiting to pay it off before closing the account. For the last XXXX days my account hasn't been working and I reached out to support and they refuse to let me know anything or even help. This morning, I stopped to get gas though the card was declined but I have money on my account. After work I stopped at XXXX XXXX XXXX XXXX. near my home and spoke first with XXXX XXXX who I shared that needed new card and she said can't there a hold on your account I was upset I been through already with these people working for regions that been speaking too for months. They told me I can't get a new card or withdraw any of my money and knowing I must pay bills. So, she reached out to XXXX XXXX XXXX XXXX XXXX who investigated my account history and just said security had closed your account as of XX/XX/year> and I should have received a letter which he gave me a copy but really doesn't say why. This is unethical practice, and they need to share why my account closed being there the one who made mistake and lied to me. Doing business with this Bank for XXXX years and they didn't care that I was unable to pay bills or get food for my family. I'm an ex-military and have worked for XXXX  years serving my country with FEMA too. Account still shows money over {$800.00} in my checking. There preventing me to review my account online or mobile this should be a violation against them/Bank shouldn't have any right to keep money from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

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