vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing in regard to an interest fee of {$3.00} that was recently applied to my account, which I had already closed. The account was initially closed because of Capital One 's refusal to waive a late fee, despite my request. Now, after the account is closed, this small balance remains due solely because of the interest fee. 

Given the circumstances, and considering that the account is no longer active, I respectfully request that you waive this remaining interest charge. I believe this would be a fair resolution, as the balance stems from a situation where I already felt I was being treated unfairly. 

Please confirm in writing once the balance has been cleared, or if further action is required on my part. 

Thank you for your attention to this matter, and I look forward to your prompt response

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-02 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: GA

Complaint narrative:
On XX/XX/XXXX I sent the certified letter below to Experian and XXXX. As on XX/XX/XXXX I have not received any communication from them. Please assist with getting this information corrected. 
I am writing to formally request the immediate removal or validation of all late payments listed on my XXXX  account ( Account # : XXXX ). The account is listed under the following details : Account Type : Credit Line Date Opened : XX/XX/XXXX Current Balance : {$18.00} Credit Limit : {$1800.00} Payment Status : Current According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i, you are required to ensure the accuracy of the information you report. If these late payments can not be validated with original documentation and proof that I was actually late, you must remove all references to late payments from my credit report. 

I am requesting : Full validation of all reported late payments, including original documents and proof of late payment. 
Immediate removal of all late payment records if validation can not be provided. 
Failure to validate these late payments would be a violation of the FCRA, and I will take further action if necessary to ensure compliance. 

I expect written confirmation that these issues have been resolved within 30 days, as required by law. Please treat this matter with urgency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/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 2024-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX or XXXX, XX/XX/year> and previously. On my app it showed that my account was in the negative. I went to deposit money in the account to cover the negative plus my paycheck was to be deposited the next day. I was still charged a overdraft fee and was told because it wasn't in there by a certain time it still didn't matter that the money was deposited into the account and it stated pending. I have been with Regions for XXXX years with direct deposit. 
Several times I was charged XXXX overdraft fees within a day or XXXX apart. {$100.00}. XXXX in overdraft fees, Is out over the top. {$36.00}. XXXX each day. I was told the bank is allowed to do at least XXXX overdraft fees. Also when you make a debit purchase it takes XXXX or 4 days for purchases to clear and you think you still have the money in the account. They did away with checks claiming this would help resolve that problem and having the card is really no difference. Life sometimes is a struggle and when having extra money taking away makes it even more difficult.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: CA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am writing to file a formal complaint regarding my Apple Card issued by Goldman Sachs. My account has been placed under review, leading to significant frustration and confusion due to the lack of clear communication and resolution from both Apple and Goldman Sachs.

The issue began when I placed an order directly with Apple, using an Apple gift card for part of the payment and my Apple Card for the remaining {$230.00}. Due to a technical error on Apples end, the gift card did not process correctly, prompting me to re-attempt the charge. This action led to my Apple Card being blocked. 

I have reached out multiple times to resolve this issue, speaking with customer service representatives who often provide inconsistent information. I was assured via an Apple XXXX chat that the issue was resolved via chat on XX/XX/year>, only to find that my card remains blocked. Despite having an excellent payment history and only using this card for Apple purchases, I have not received any notifications regarding the restrictions on my account.

Moreover, I have called nearly a dozen times, and each time I am transferred back to Apple Card support or disconnected without resolution. Apple has indicated they would work on my behalf, but the lack of coordination between Apple and Goldman Sachs has left me without a functioning card and no clear path to resolve this.

I am a responsible customer who has consistently made timely payments. This situation is unacceptable, and I request your assistance in resolving this matter promptly. I would appreciate any intervention you can provide to ensure my account is unblocked and that I receive proper communication regarding my account status. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the guidance provided by the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documents along with a letter from an advocacy group assisting me as a victim of XXXX XXXX, specifically XXXX XXXX. This situation falls under the provisions of the XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that this information be blocked from my credit report within four business days, as required by Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking through debt bondage, I request that all related accounts be blocked and deleted from my report. 

Please ensure the following accounts with TransUnion are removed from my credit report : XXXX XXXX  XXXX XXXX Account Number : XXXX Balance : {$21000.00} ( Auto Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$3200.00} ( Apartments ) Opened : XX/XX/XXXX XXXX. XXXX Account Number : XXXX Balance : {$700.00} ( Personal Loan ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$1300.00} ( DTE ) Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$760.00} ( Phone Line ) Opened : XX/XX/XXXX 2024

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 2024-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, Here is my complaint about Bank of America and how they randomly closed my credit cards without a single missed payment and no issues. I am a gold member of Bank of America. 
I have been with them for 14 years I was offered two new credit cards, They were opened in XXXX and XXXX. 
In late XXXX they sent emails to close all three accounts and When I called, they said you need to look at The mail that they sent which arrived 10 days later. 
There is no good reason for canceling my cards. In fact XXXX bank gives me a heads up if they feel my credit score has changed or Im using too much credit. The Bank of America can do this to me, I imagine doing this to others and ruining peoples credit for no reason except that the feds lowered the interest rate.

I believe Bank of America should be investigated and I am sure I am not the customer that has been treated unfairly and they are ruining my credit for no reason at all.

I just open these two cards. There was never a missed payment.. 
It seems unreal that they can close an account within 60 days of opening it. 
None of my other credit cards accounts have been affected. Only bank of America has done this to me and I have all my other accounts with them. I am so angry and frustrated. 
I would like a full investigation.

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 2024-10-02 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: OK

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
I am have an FHA loan and I have been late paying my mortgage for XXXX and XXXX. I was trying to pay the past due balance of both XXXX and XXXX but I didnt realize I needed XXXX more dollars in my account and there was not enough funds to cover. I called them today XX/XX/year> to let them know. Now they are making me pay for XXXX, XXXX and XXXX all together in which I do not have XXXX yet but will soon. Meanwhile. Im afraid that my house will go into foreclosure because they refuse to accept my XXXX and XXXX payment. Im a single mom, just graduated from XXXX school and starting my job as an XXXX and this company has not helped me in any way when I tell them I need assistance it wont even accept my payment that I do have. It cant be legal what they are doing. Ive had so much trouble with the Kentucky Housing corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-10-02 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
A fee of {$35.00} plus {$2.00} taxes labeled " financial/insurance '' but when I spoke with a " banker '' at Wells Fargo I was told that I would be refunded this amount when it was discovered that I " qualified '' for free checking. It's fraud!

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 2024-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXXXXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXXXXXX Also Known As : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-02 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-10-02 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: CITIBANK, N.A.
State: KY

Complaint narrative:
On XX/XX/XXXX we hiredXX/XX/XXXX to pack some boxes. The team that showed up was under the influence of XXXX. They didn't follow directions and packed things we didn't want packed. Didn't fully utilize box space or correctly wrap valuables. I had to repack everything. Requested a charge back since company would not provide a refund. Citibank declined saying it was an inconvenience, so resubmitted after talking to Citi rep. They said it was a valid reason for charge back and should be successful. Asked if someone could contact me to make sure documentation was correct no one reached out. 2nd request was declined and now having trouble talking to a rep. Seems like no one physically reviewed my complaint, so requesting CFPB to review their 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