vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: AR

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX, 2019 Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX Balance Owed : {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

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

15 U.S.C 1681 Section 602 A States that I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without your written instructions.

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 2023-02-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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:
In accordance with the Fair Credit Act Reporting act XXXX XXXX  # XXXX has violated my rights. 

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. 166B A creditor may not treat a payment on a credit card account under an open and 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 2023-02-14 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: TX

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

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. 166B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have been having the credit card for XXXX  insurance from comenity for a few years. Last year, I received a letter telling me that the card will discontinue. I paid my XXXX  insurance premium with the card which I am expecting 3 time rewards into my account. That is supposed to be the last statement period of the account. I did not get the rewards points at the end of the statement. I called the customer representative. They told me that they are aware of the problem and they're trying to resolve it. This XXXX, I received another letter telling me that I have until the end of this month to redeem my remaining rewards. But I still do not see my expected rewards points in my account. I still suppose they can fix this problem for me. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
3 store credit cards Ikea, XXXX, XXXX All taken out in my name. One has a balance of XXXX. That is the only balance I know of right now. All 3 are financed by comenity. Charges were from Kentucky.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I contacted XXXX XXXX on XX/XX/2023 to inquire about interest in the amount of {$14.00} appearing on my account. In addition to, a promotional interest rate. I knew my balance wasnt paid off in XXXX but I paid off in XXXX. With that being said how do I still have interest charges if the balance is paid in full. Also, my credit score is above XXXX why is my interest so high on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. 
XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance {$8700.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank 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 non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Berlin-Wheeler, Inc. (Kansas)
State: LA

Complaint narrative:
In XXXX of XXXX, I moved locations and with it utilities services. 

It is my understanding that two issues occurred, which have resulted in a debt being sent to a collector, Berlin-Wheeler. 

First, the return of rented equipment ( a modem/router unit ) was not properly recorded by XXXX XXXX XXXX The equipment was returned to the XXXX XXXX location on XXXX XXXX XXXX XXXX XXXX, LA XXXX ), in XXXX of XXXX. XXXX XXXX states they do not have record of the equipment return, and therefore charged an amount of {$120.00}. I was not notified of this charge or the following debt. 

Second, to transition service to the new address, the service provider ( XXXX XXXX ) created a new account rather than transferring service on an old account. The old account was not closed by XXXX, balances were not transferred to my new account, and I was not notified the old account was still active and carried a balance of {$20.00}. 

These two issues combined, resulted in an unpaid balance of {$140.00} owed to XXXX. Eventually, the debt was sent to/bought by the collector ( Berlin-Wheeler ) XXXX XXXX of XXXX. Both Berlin-Wheeler and XXXX state that mailed notices of the balance, and later collection, have been sent, but I have never received a notice. 

I discovered a balance was owed to XXXX, and had been sent to/bought by a collections agency, from review of a XXXX and XXXX credit reports. 

Through XX/XX/XXXX and XX/XX/XXXX, I have tried to resolve with Berlin-Wheeler and XXXX XXXX XXXX Berlin-Wheeler, the collector, states that they do not have the authority to resolve. XXXX XXXX states that amount owed is valid, but can not provided evidence that equipment was NOT returned and deny they mishandled transitioning services to my new address.

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 2023-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am a XXXX XXXX in the state of Louisiana and I XXXX in XXXX XXXX. I received a paycheck of {$15000.00}. On XX/XX/2023, {$15000.00} was directly deposited into XXXX XXXX XXXX account ending in XXXX and {$200.00} was directly deposited into my chime credit builder account ending in XXXX. I decided to save a portion of the check by opening a savings account with Chime and initiated an ACH transfer of {$10000.00} from my first horizon checking account into the savings account with Chime. Immediately upon initiating the transfer through the Chime app, my account was flagged with suspicious activity and all of my funds were frozen and/or restricted. I received an email detailing documents that are required to verify my identity, which is understandable. I provided everything they asked for : a copy of my drivers license ( front and back ), a copy of my paystub, a bank statement, a copy of my social security card, a picture of my passport, a selfie holding my license up with a sheet of paper with my name and date on it, a written statement detailing the transaction, a letter of verification from my banking institution. Even after all of this documentation that I have provided, Chime still has my account frozen and restricted access to my funds. When I call customer service, they explain that there is nothing they can do on their end to remove the restrictions and pretty much tell me that I have to provide documentation, which I have. The customer service representative says that he can see all the documentation I've provided and even still his hands are tied. The representative says that I must communicate via email in order to fix the issue. Unfortunately, I am unable to reach anyone from the department that oversees account restrictions and security alerts. When I email XXXX, an automated response is sent to me asking for the same documentation that I have already provided with a link to upload documents but the link doesn't work. To this day, I have yet to speak to anyone through email and my account is now being considered for closure. I have {$10000.00} in a Chime checking account that is virtually stuck. All I want here, is to have the restrictions from the account removed so that I can transfer my money back to my checking account with XXXX XXXX so that I can close the account with Chime altogether. I'm concerned that Chime is essentially giving me the run around as a means to take my money. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Hi, First, I am a victim of hurricane IAN and lost my home and car and currently displaced 2.5 hours away from home. I have explained this to synchrony bank, in which I have several cards with them and have not been late, even with the devastation I've gone through. They have sent me a notice today at XXXX that my credit limit on my car care credit card has been dropped from XXXX ( I believe that's what it was, down to XXXX ) ..for no reason, I have paid it down from XXXX to XXXX and then they did this. A month or so ago, they also did this to my lowes card. Their reason stated is that I have a recent real estate delinquency and haven't paid down enough of my mortgage loan in the slotted time frame, however, my mortgage is in forbearance due to the hurricane, while I wait for repairs, they accidentally reported it to my credit as delinquent, they have retracted it and I disputed it, but it's takes at least 30 days before coming off and I just purchased the XXXX XX/XX/2022, then the hurricane hot in XXXX and went into forbearance, so of course I haven't paid as much but when I was paying it, I was never late. I am fixing my credit from the mortgage mistake, in which I also have an email from them stating this. I am also TRYING to pay down my credit as I had to use it when this all first happened.but again, I've never been late on any of them. You can look and see if have 100 % payment history and once I'm situated back in my home, I will begin my mortgage payments again.however, they are making my credit worse by dropping my limits. None of my other credit cards have down this only synchrony. I would love to close them all from synchrony because they have treated me so horribly but again, that would hurt my credit.can you please help me. I have tried with them and they don't care. I could see if I was late and not paying, but I am and the fact that they did this as soon as I paid it down to XXXX is disgusting.that was a real low blow. They don't even call a client to see why the issues are, such as my mortgage issue, that was not my fault, it dropped my score and now I'm waiting for all 3 credit companies to remove it, I also couldn't help that I had to use a lot of my credit cards to survive for a bit but again, they are paid ..all of them, on time. Even the car that was ruined and is now undrivable, I still owe on it but I'm paying it. This is just horrible and I can't have this added stress of a credit card company removing limits for no reason, dropping my credit score.more on top of being homeless right now. This is such another example of how bad this world has become when it comes to humanity. Taking advantage and slamming people in devastation.please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
This complaint is in regards to my formal complaints against SUN LOAN COMPANY.

Sun Loan has verified this account as accurate ; however, the HIGH balance reported on my credit report is {$350.00}. ( Attached ) Yet, you state I have refinanced for {$480.00}. 

Additionally, your claims are that No payments were received. 

On XX/XX/2019, XXXX XXXX refinanced his loan for {$480.00} ( attached ) This does not match with what is reporting on XXXX. 

XXXX, 2019 shows a rating of XXXX The rating key provided by XXXX details that OK means Current, paying or paid as agreed. ( Attached ) If it was true that no payments were received and I refinanced XX/XX/2019 then XXXX, 2019 would reflect 30 days and not OK as it reports. 

Please be reminded of : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
XX/XX/XXXX received a letter from Wells Fargo stating our 10 yr interest only loan would now turn into a 20yr Arm Loan. at that time we were paying about {$840.00} a month for interest only. The new payment was going to be {$3500.00}. 
We asked them if we could refinance for 30 yrs and they refused. they did not take any kind of application to help with their decision they just said it was not an option. 
We applied for a Loan Modification asking to reduce the principle amount on the home as it was under water because of the fall out at that time and they refused and came back with a large unaffordable payment. 
XX/XX/XXXX we received a Grace Period Notice. They wanted {$7100.00} by XXXX XXXX We went to the Lawyer for Help The Lawyer tried to file a loan modification as well and they refused to even review it. 
XX/XX/XXXX We were advised that they turned our account over to the Lawyers to begin foreclosure proceedings. 
XX/XX/XXXX we received another notice that the new payment was going to be {$3600.00} starting XX/XX/XXXX a few weeks before our home was auctioned off in XX/XX/XXXX they sent us a modification that we originally asked for and by then it was too late for us to accept it. 
They sold our home for {$80000.00} less then what they told us the market value was for us to modify. 
So instead of letting us keep the house they decided to auction it off to someone else and we lost all our investment we had in our home.

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 2023-02-14 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

Company response to consumer: Closed with explanation