vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXXXXXX XXXX They in fact did not come from a XXXXXXXX XXXX l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> I called USAA customer service to see if my credit card had any 0 % interest offers because I wanted to do a balance transfer. The customer service rep said there weren't any active offers available.

I then went onto USAA.com and applied for the visa signature credit card which offers " Get a 0 % intro XXXX for 15 months on purchases. After this time, the variable regular APR of 17.15 % to 31.15 % will apply to these introductory balances. '' I was approved. 
I signed the paperwork under the understanding that this is what I would be getting since this is what was advertised. I then did a balance transfer and it went through on XX/XX/XXXX and I am now being charged interest on the balance I transferred. 

On XX/XX/XXXX, I called USAA and talked to XXXX. I asked why I was being charged interest on a 0 % interest offer and they told me that the card I signed up for didn't offer 0 % interest. And the only 0 % interest offered on the card I was approved for was on purchases not balance transfers. She said that my first USAA credit card was the one that had 0 % interest on balance transfers which just happened to be conveniently offered on the SAME DAY that my balance transfer posted on my second USAA card. I asked XXXX if I could transfer the amount of my second USAA credit card to the first since that offered the 0 % interest and she said I couldn't. 

I said that that wasn't the offer that I was posted online and she passed me to XXXX in the customer relations department. After being on hold for over an hour, XXXX told me the same thing that XXXX had said. 

After looking back through the fine print of the offer, I see that they changed the offer without notifying me of the change being different than what was offered on their website. 

Because of this, I've now been charged a balance transfer fee of 5 % and am also paying interest. It's very very deceptive. After researching further, I see that I'm not the only one this has happened to per consumeraffairs.com.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Out of the several dispute letters sent to Equifax they refuse and ignore my consumer rights, my privacy, triggered many consumer violations, reporting of income and personal accounting information. Equifax continues to report a bankruptcy that the United States Bankruptcy XXXX does not furnish to any credit bureaus and have yet to provide evidence of who the got it from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I fell for scam and I went to the bank and to fix it and they couldnt do anything to stop or give me my money back and at first they said I owe {$300.00} now they saying I owe {$1700.00} and XXXX cant afford to pay that off I have XXXX and on low income and its thier fault They need to take it off They keep buying me

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 2024-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an AMEX reward card with {$200.00} loaded on it. I have tried to use it on XXXX at the end of XXXX. The card was declined multiple times, and left a pending charge on it for days that eventually disappeared. 

I tried again XX/XX/24 and the same thing happened. Knowing that {$0.00} was temporarily deducted ( I assume for verification ) I made a purchase for {$190.00}. The {$0.00} charge made it through and was " pending '' on the Amex website, but the actual purchase was declined by Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
My income driven repayment plan date on Mohela is stated to be XX/XX/XXXX. XXXX 's website states that any recertification date prior to XX/XX/XXXX ( https : //studentaid.gov/announcements-events/covid-19 # income-driven-repayment ) will be delayed by a year, therefore, I did not recertify. Mohela is stating that my actual " hard '' recertification date is XX/XX/XXXX. Yet I have no documentation of this date in any of my files. There are no other dates listed for recertification. On XXXX 's website, My IDR anniversary date is listed as XX/XX/XXXX. Clearly there is no indication that I have a recertification date prior to XX/XX/XXXX. 

I called them on XX/XX/XXXX and the initial agent I spoke with agreed with me. But when he went to talk w/ his supervisor they determined there was a " soft '' and " hard '' recertification date ( this is after XXXX hours of waiting on the phone ). The supervisor called me back the next day and still could not explain where in my file this XX/XX/XXXX date is. She just said she knew that was the date. 

I believe that Mohela has arbitrarily determined these dates in an effort to further confuse consumers and force early recertifications to increase their payments which clearly violate the intent of the Department of Education to provide appropriate time for consumers to recertify. In addition, their inability to provide documentation to lenders must violate lending statutes. They are also clearly inept at communicating within their own department regarding these new rules and are not communicating appropriately with the Department of Education on how to manage the regulations that have been put in place. 

In what world can the Federal Government so clearly make a regulation and have an agency refuse comply? 

My understanding is that this is a larger problem and effecting many thousands of individuals. Mohela 's customer service is taking several hours to even answer and then even more hours to get any sort of resolution due to poorly trained staff. It is exhausting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
NATIONAL CREDIT SYSTEMS , INC junk debt buyers have purchased a debt that is untenable and discharged under federal law. NATIONAL CREDIT SYSTEMS , INC is not a creditor and is in direct violation of the Bankruptcy Act, as codified under USC Title 11 et seq. NATIONAL CREDIT SYSTEMS , INC. is also in direct violation of 15 USC 1681b ( impermissible credit pull ) whereas the damaged party shall find restitution under 15 USC 1681n. The above mentioned junk debt buyers had a duty of care of making sure not the violate any consumer rights with respect to the consumer, having failed to do so. Govern Yourselves Accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.

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 2024-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: FL

Complaint narrative:
The Aspect apartments ( Now known has the XXXX XXXX ) had a major pest infestation throughout the whole building during our stay. 

Our contract states that they were responsible for handeling pests and I sent many requests to the office to handle the issue to no avail. 

Even after multiple complaints and emails ; the issue was never tended to. 
Instead they issued a 7 day violation letter ( XX/XX/year> ) nearing the end of our lease stating that I was the cause of the infenstation and were in violation of our agreement. This was upsetting. 

There is a clause in the leasing agreement that states if they fail to hold up on their end on handeling pest infestations we were allowed to break our lease ; information detailed in our contract. We seemed to be in agreement and left the premises. 

The company is wrongfully accusing me of debt owed. I have documents, videos of the infestation and emails to back my claim up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-22 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: MN

Complaint narrative:
OK STARTING IN XXXX COLLECTION HAS BEEN TAKING MY RENTERS REBATE EVERY YEAR BECUASE THERE IS ALWAYS SOMETHING IN THERE THAT DID NOT DO SO MY SISTER IS GOING FROM CITY TO CITY USE MY NAME AND SHE ALSO USE MY MOM NAME AND MADE XXXX IN HER NAME AND ME AND MY MOM LIVE TOGETHER AND SHE TO GET HER RENTERS REBATE TAKEN EVERY YEAR AS WELL.SO KNOW I THOUGHT XXXX HAD A FREEZE ON THINGS BUT I GUESS NOT SO I DID A POLICE REPORT ON HER FOR STOLEN IDENTTY ON HER THOSE CREDIT CARDS I DID APPLY FOR AND I HAVE A COUPLE OF TICKETS IN THERE WHICH IS NOT MINE BECUASE I SOLD MY XXXX XXXX XXXX IN XXXX AND I WAS IN THE PROCESS OF MOVEING AND WAS JUST GETTING RID OF A THINGS THAT I COULD'NT TAKE AND THAT PERSON NEVER TOOK THE CAR OUT OF MY NAME AFTER I DID ALL COMMUNITY SERVICE FOR ALL OF MY FINE AND I JUST HAD PART OF MY RECORD EXPUNGE.SO THE ONLY THING IS I GAT A XXXX IN XXXX AND I PAID FOR THE CLASS AND I WAS IN THE DMV PROGRAM BUT I COULD NOT AFFORD THE PROGRAM SO KNOW I JUST STAY HOME AND TAKE CARE OF MY MOM.I WOULD LOVE TO RESOLVED THIS WITH YOU MAYBE A SMALL PAYMENT PLAN FOR SOMETHING I WAS DUM FOUNDED ON. SO MY CONTACT # IS XXXX ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX THANK YOU. XXXX XXXX AGAIN PLEASE STOP TAKING ALL OF MY MONEY EVERY YEAR AND LETS WORK TOGETHER ON THIS.AGAIN THANKS

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc.
State: WA

Complaint narrative:
XX/XX/2024 - I made a one-time payment of {$33.00} to test and verify that the correct way to apply my funds ONLY to the principal amount. 

XX/XX/2024 - I see {$33.00} was correctly applied to my mortgage principal only. 

XX/XX/2024 - I made a one-time payment of {$19000.00} in the same way as tested. I take screenshots confirming my payment options, fully expecting to have no issues. 

XX/XX/2024 - I notice in the web portal that my payment is sitting in Unapplied Funds as a Cash Receipt transaction instead of a Principal Payment like I had designated. 

XX/XX/2024 - I call BSI Financial to find out more about why this has happened. Customer service agent says she doesnt know but she can put in the request to have it be applied to the principal amount. Meanwhile, I have already put in my PMI cancellation request because this payment was supposed to bring me down to 80 % LTV at which point I can request to cancel PMI. 

It seems to me that BSI handled this transaction completely in bad faith. I can not help but suspect that they know theyre not incentivized to apply my large payment correctly because this would be less interest money, PMI , and escrow money for them. I have clearly seen this principal payment process CAN be extremely easy in a smaller principal payment, but as soon as the payment amount threatens their interest collection in a meaningful way, theyve introduced errors into the system and handled my payment maliciously. 
They deserve to be thoroughly investigated for this. My mortgage has no prepayment penalty, nothing in the terms describing this outcome as expected!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I do not recognize any of these inquiries, upon checking my credit report these are the inquires I found. These inquiries violate multiple laws, one of which is 15 U.S. Code 1681b Permissible purposes of consumer reports On XX/XX/XXXX, XXXX XXXX  XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud. 

On XX/XX/XXXX, XXXX XXXX XXXX  inquired my credit report. I never authorized this inquiry. This must be either a mistake by the company or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In XX/XX/XXXX I was granted bankruptcy and the elimination of my student debt. In XX/XX/XXXX, more student loans showed up my credit report which never did prior to the bankruptcy. My lawyer reopened my case with the courts to have these included in my bankruptcy since these companies XXXX  XXXX XXXX  XXXX didnt tell us when we asked in the original proceedings. They never responded to the court to argue that they shouldnt be discharged, so the court granted that Im no longer responsible for these loans in XX/XX/XXXX. They didnt show up on my credit report after the courts ruling. Then in XX/XX/XXXX, I went to apply for a credit card and I was denied because these loans popped again on my credit report. It said that I was in good standing and owed a {$0.00} balance but they were still joint accounts. This isnt true since the courts said Im no longer responsible for these accounts. I filed my dispute for both XXXX XXXX Equifax on XXXX XXXX. Within a week XXXX removed the accounts from my report increasing my credit score. Equifax denied my report saying consumer disagree with lender. I appealed and got same response. I have court documents saying Im no longer responsible and within a week XXXX recognized this and removed the accounts from my report but Equifax not only consistently ignores the court orders but then writes comments that I disagree with the lender when really its the lender who disagrees with the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: LA

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

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 2024-02-22 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: LA

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next 15 days. Attached are the relevant documents for your review and reference.

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