vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: NY

Complaint narrative:
This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XXXX/XXXX/2022

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 2023-01-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This compliant is in regards of the recent accounts being reported on my consumer report that I will share below, that the credit bureaus have been reporting causing a high negative impact on my consumer report.I have been aware that since I open these accounts with these companies I made some uninformed decisions.First I was never giving any clarity of these agreements and the agreements was not conspicuous.15 usc 1601 makes it clear and conspicuous that if I was giving the proper information where I can understand any agreement in a credit transaction thats this would have been avoided and I would have been aware of the actual cost.To my knowledge there is no evidence of these debts, the only evidence would be the agreements.But because of the uninformed decisions these agreements has been voided. I was not giving an adequate notice where I could reasonably understand the full meanings of the agreement, where it seem these companies have only benefited.The very long agreement was very stressful to understand and over-stand any verbiage used in it.Even after trying several attempts to get any understanding from these companies I misguided.I highly dont believe the generated systems these companies use to send consumers these agreements gives adequate notices where all consumers can understand as well.According to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be EXCLUDED from a consumer credit report.Therefore these reports should have not been reported. The definition of a credit card under 15 usc 1681 relates as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose obtaining, money, port, labor, or services on credit. Congress makes its clear and states that ANY card. So basically the credit card used would be my social security card.This is the credit card I used to begin ever consumer credit transaction below.So if anything these accounts should be reported as paid in full and payments updated as on time. I would like to demand that you these credit bureaus do just that or remove these transactions from report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 


These following accounts need to be removed immediately XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXXXXXX XXXX Open XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid my BJ 's Credit Card bill in full ( {$2600.00} ) on XX/XX/XXXX. The money was paid through bill pay from my joint account with my husband at XXXXXXXX XXXX. I realized quickly that it hadn't been credited and called five different times before finally emailing the bank on XX/XX/XXXX. Unfortunately, I did not keep a record of the dates of the calls. What was eventually determined is that I had sent the payment to an old account that was now closed. I had proof in the form of a debit tracer from XXXX showing that Comenity had received the funds by bank transfer and the account number that the money was paid to. 

As my husband and I continued to call to follow up on this matter, we have been informed three different times that a dispute was filed, and we needed to give them 90 days to resolve the problem. The two notifications that I have on record from the bank include an email response saying that a dispute was initiated on XX/XX/XXXX and a letter on XX/XX/XXXX saying that they need to investigate, and we should allow up to 90 days. It has been more than 90 days from the XX/XX/XXXX date of initiation of the dispute and six months since I paid the XXXX monthly bill. The money still has not been credited to the account and interest has been accumulating. We have continued to call the bank. At one point they said that they never received proof of payment even though the debit tracer was still an attachment on my messaging account with them, we resent it on XX/XX/XXXX and still no response. 

A complaint was sent to FDIC on XXXX and on XXXX FDIC informed me that the CFPB was the correct place for the complaint and that it was being forwarded. The Reference number is XXXX. In checking the CFPB website, I can't find a record of the original complaint. 

Please help us resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I first verified my external accounts ( XXXX XXXXXXXX XXXX XXXX and XXXX XXXX ) with small security deposits made by XXXX. I then initiated XXXX transfers on the XXXX XXXX, using Fifth Third 's online banking website to conduct these transfers, in order for me to fund my Fifth Third account. The first transfer from my XXXX  XXXX XXXX account for {$8000.00} and the XXXX transfer from my XXXX account, for {$5000.00}. 

However, I got a voicemail a day later to say that I needed to verify my account, unfortunately I missed the call and was not able to catch them in time before they cancelled my transaction. But I did speak to them a day later and they told me the funds would be returned to my accounts from where they originally came from and it may take up to XXXX business days. It has been almost XXXX weeks now and I have contacted XXXX bank and they have not helped me in this matter whatsoever. I do not know where my money is being held up and why it isn't getting returned to my accounts since they rejected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Told to file claim to see if Im due any money in return

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: NC

Complaint narrative:
I look and check my credit karma daily. It gives me multiple great options to be approved for many credit cards, but the denial rate has been significantly higher than any approval rate for any card that Ive tried to get based off their recommendations this has affected my credit score. If they would have not recommended that I had a excellent chance to get the cart I would not have applied that is so unfair to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: UT

Complaint narrative:
I recently lost my job on XX/XX/22. The recommended credit card protection company failed to make monthly payments per the agreement and this has impacted my credit report negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: GA

Complaint narrative:
I opened the account through iXXXX because Chime was advertising a {$250.00} bonus if you opened a new account with them and you signed up for direct deposit and you deposited {$200.00} or more within 30 days after opening the account. I met all requirements that were asked of me. I have spoke with SEVERAL members from their support department as well as SEVERAL supervisors from their escalation department. I've got well over 30 emails of the same emails just in this last attempt to resolve this and they keep asking me to send in screenshots of multiple things to which I have done SEVERAL times. They just keep starting me over wanting the same requests over and and over again. I've even got a email from one of their support members stating I've met all requirements but they still haven't made true to their advertisement. Im not the only one that has made several attempts to get them to hold truth to what they advertise. I've also seen that they have just closed accounts saying that people didn't meet terms and conditions to have a account with them. I just want this resolved and someone put a stop to their fraudulent advertising. I've been dealing with them since XXXX XXXX and only started trying to contact them after I met all requirments after the 30 day period yet they never held up their end of the deal that they advertise. Is there anything that can be done about this misleading false advertising?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
The main reason for this submission is now over one year after closing our mortgage ( XXXX XXXX - Closing ) payment increased by {$490.00} due to an escrow account analysis showing a shortage in the account. I am aware some of it is due to roughly $ XXXX {$300.00} increase in homeowner 's insurance, however over the course of 12 months that only equates to a $ XXXX {$25.00} difference which in turn would not it's self cause this steep increase in our monthly mortgage payment as I have expressed. 

Originally it was disclosed for us to be paying {$220.00} ( {$1300.00} semi-annually ) for property taxes into our escrow account in XX/XX/XXXX when our loan closed. However, over a year later in XX/XX/XXXX, we received a letter of the increase that would be happening to our monthly mortgage payment due to the escrow account shortage of {$3300.00}. I called Wells Fargo customer service to discuss this escrow analysis they had done and their representative said my property taxes had increased when only looking at the analysis for a couple seconds ( XX/XX/XXXX ). Our conversation continued and she mentioned they doubled, which is an extremely unlikely occurrence. 

I contacted my title company on XX/XX/XXXX for the property tax certificate that was provided to Wells Fargo. They provided the Tax Certificate document dated XX/XX/XXXX that clearly stated {$2500.00} semi-annually. This would equate to {$420.00} that should have been disclosed to deposit into escrow for property taxes ( not including insurance ) leaving a monthly shortage over the first year of {$190.00} monthly for property taxes alone. 

Attached I have included documents from my county 's website to confirm that there was not a double increase in property taxes. 

XXXX - {$2300.00} semi-annually XXXX - {$2500.00} semi-annually XXXX - {$2400.00} semi-annually Due to this documentation provided Wells Fargo did not disclose the correct amount of property taxes during closing, to be accurate, they only disclosed 25 % of a year versus an entire year as detailed above. The underwriter should have noticed this and corrected prior to approving clear to close. 

Currently, we will be paying {$490.00} over our closing disclosure monthly payment for the next 12 months ( until XX/XX/XXXX ) and after this 12 month period still elevated at {$210.00} over our original payment amount all due to an error on Wells Fargo end to correctly and accurately disclose property taxes based on information given by the title company promptly during the loan origination process.

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 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I was alerted by my credit monitoring company that a hard inquiry was made by JP Morgan Chase. I immediately called their fraud department and they informed me that an application for a business credit card was applied for by someone other than me. They immediately canceled the application, which I appreciate. 

What they could not or would not tell me was the address that this fraudulent application originated from. They said they would investigate and send me the information via US Postal service. I am skeptical that they are going to send me the information at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent a dispute to EXPERIAN, XXXX XXXX XXXX XXXX on XX/XX/2022, XX/XX/2022 and XX/XX/2022 and still no current record of update or response from any of the credit bureaus for my disputes. My rights have been violated. 
these are the accounts in dispute : 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  According to 15 USC 1681i EXPERIAN, XXXX & XXXX XXXX shall free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller. I have provided the certified mail receipts for the disputes I had sent to the credit bureaus.

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 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
been paying rushmore lona management on time for 5 years the payment is automated in that rushmore pulls directly from my bank account suddenly they reported the account delinquent when it is not for XXXX. my bank account shows two payments taken out in XXXX. they blamed me and my bank for the mishap when it is them who have the automated set up. they tacked on several fees, late charges. then they pulled these fees from my bank as part of one of the XXXX payments. 

then they sold my mortgage to XXXX XXXX and passed on some erroneous fees to XXXX XXXX as well they then reported my loan delinquent to the bureaus i am XXXX XXXX paid in full up to date with XXXX XXXX. rushmore has no basis for such treatment. i am a XXXX XXXX customer with XXXX  of XXXX in summary, they said i was delinquent when i was not. my account clearly shows two payments removed. they removed fees and extra charges that they should not have added ( erorneous error on their end ). and then they reported my account as delinquent. this is the only blemish on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On or about XX/XX/2022 Citibank was contacted and I explained my situation of unemployment and no income due to being medically disqualified to continue my 25 year career by a federal agency. I requested auto pay option be stopped as well. Only a few XXXX $ balance. I thought my card ( s ) and account would be suspended without penalties due to my situation ( best scenario for everyone involved I thought ) 40 years total of employment and credit building all down the tubes.Documentation was declined/refused and only response I received was " you still have to pay and on time if no penalties '' I reminded them of no income, and the response was " we have a payment plan '' Same as my former employer-punished and penalized for being sick.. I'm not asking for freebies, just a realistic amount of time ( up to social security etc ) ... not to be punished. I guess I'm supposed to XXXX XXXX XXXX XXXX XXXX XXXX or my XXXX XXXX XXXX XXXX to appease them..

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 2023-01-24 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 — Their investigation did not fix an error on your report
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY NATIONAL CREDIT ADJUSTERS. I'VE TAKEN A LOOK AT THE DOCUMENTS THAT WAS SENT IN RESPONSE AND THERE ARE STILL MANY PROBLEMS. I SEE THAT NCA IS REPORTING A DIFFERENT BALANCE DUE THAN WHAT THE ORIGINAL CREDITOR CLAIM I OWE. ALSO, THEY ARE CHARGING INTEREST AND FEES ON AN ACCOUNT THAT THEY APPARENTLY BOUGHT OUT FROM A CREDITOR ... HOW IS THIS LEGAL? THIS MUST BE WHERE THE DISCREPANCY IS COMING FROM. ALSO, THE ORIGINAL LENDER ON THE PROMISSORY NOTE SAYS XXXX XXXX, BUT I WENT STRICTLY THROUGH XXXX XXXX AND THEY DID NOT CORRESPOND ANTHING ABOUT THIS COMPANY SO I CAN NOT BE TOO SURE THAT THIS IS FACTUAL. LASTLY, NATIONAL CREDIT ADJUSTERS DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX ACCESS THEY ARE NOT. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2023-01-24 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: NJ

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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