vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 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:
My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I need to complain about my lender, Mr. Cooper, and their failure to make escrow payments in a timely fashion. On Tuesday, XX/XX/XXXX ( at XXXX XXXX ), I received an email from my homeowner 's insurance company that my payment was past due for a renewal of my homeowner 's insurance policy. The policy is set to expire on XX/XX/XXXX. 

On Wednesday, XX/XX/XXXX, I called XXXX ( my insurance policy holders ) and they made clear that if payment was received too late ( here, XX/XX/XXXX or later ) that my policy would be cancelled. They suggested I check in with someone at Mr. Cooper. If I could make a separate complaint about attempting to talk to an actual person, I would. Their live chat was unable to respond to my question, no one has responded to my query in the message system on the website, and the phone system will put you onto an automated system as soon as it can. When it was clear I was calling about the escrow payment that was late, the automated system gave me platitudes that it would be paid, and if it was late, it would cover any fees ( I don't think that's a good sign to be honest ). But it was unable to tell me if the payment from escrow had been sent. I tried to hit XXXX or ask for a representative, but all were met with " Sorry, I don't understand '' or " Invalid option ''. There are situations where you need to talk to an actual person, but it seems that Mr. Cooper would rather people be stuck in an automated system loop. I was only able to talk to a person by finding a number on XXXX, of all places. Once I finally got in touch with a person at Mr. Cooper, I was told that the payment had been sent on the XXXX of XXXX -- the previous year, Mr. Cooper had sent my payment in late XXXX. 

After calling XXXX again, I was told that a payment sent on the XXXX would not be received in time, and that my policy would likely be cancelled. I used my savings account to pay the cost myself, {$1400.00} total. Hopefully that will get reimbursed once the escrow payment is made, but it should not have come to that in the first place. The payment should have been made in a more timely manner. That's what the escrow account is for! If I had not had the savings, I would have had to pay on a credit card -- and imagine if I had none of these options at all, my insurance would have been cancelled for someone else 's lateness. What prompted me to make this complaint is that several others on the XXXX XXXX XXXX and XXXX have been making similar complaints about Mr. Cooper and their lateness over the past few months. I am not the only one having this issue, and I hope it is a wake-up call for Mr. Cooper to fix this issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
This complaint was submitted to you. The copy of the paperwork PNC sent you and myself reiterates the fact nothing was explained to me whatsoever - I would have never signed a 7 year surrender schedule I'm XXXX yeas old. 
I was looking for guidance. XXXX XXXX took advantage of me. 
This paperwork they sent a copy of : I was thinking this was for the beneficiary. Nothing was explained to me. I thought I was agreeing to an 11 month annuity ( I didn't understand ) not a 2072 maturity date.

On this paperwork they sent : page 7 of 17 under line 11 they added : Client wants to put in place an investment with guaranteed roll ups ( I don't know that term ) and a guaranteed income when started. 
Page 15 of 17 option 1 says last line " I may begin receiving LIBR (? ) payments one ( 1 ) year after issue. I thought this was a Roth IRA rollover.

Page 2 of 17 under premium Allocation says S & P 2 year point to point with cap. 
I really did not understand that I was buying a life insurance policy - no one ever told me that. XXXX made it sound way different than what he sold me. 
Page 9 of 12 there is a check mark on Roth IRA There is a lot of missing information on this paperwork- it is not clear and they tricked me. 
The copies PNC sent are very dark.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are unrecognized accounts on my credit report that dont belong to me. I suspect they may be linked to identity theft or 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 2024-09-12 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I accepted Renewal by XXXXXXXX XXXX offer to provide one year of no payments, no interest financing on a replacement window project. My intent is to pay the project off before I incur any interest charges.

Imagine my surprise to find this in my mail this morning : XXXX, Congratulations, youve been pre-qualified for credit for your project with Renewal by XXXX - XXXX. * Below is a link to your account on the XXXX where you can : Upload required documents securely Track the progress of your financing application Download an executed version of your Loan Agreement which includes a notice regarding our credit decision Submit bank account information to setup automatic payments Register Your email : XXXX Should you have any questions about your financing application, please call Dividend at ( XXXX ) XXXX. 
If you have questions regarding the installation process, please contact your contractor. 

We look forward to working with you! 

Sincerely, The Dividend Team * As with any financing, final approval is contingent upon our review of your completed application and satisfaction of all underwriting requirements. 




By clicking the link and accessing Dividends website, you are agreeing to the website Terms of Use and Privacy Policy. If you have any questions or concerns, or if this message was sent in error, please Contact Us. 

Questions? Contact us at XXXX XXXX XXXX All lending is originated by Fifth Third Bank , National Association. Member FDIC. XXXX XXXX XXXX XXXX XXXX. For solar and certain home improvement loans, Fifth Third Bank does business under the trade name Dividend. 

This is a transactional/servicing communication and is intended to share information concerning a recent transaction or updates/changes to your account. You may receive transactional/servicing emails even if you have unsubscribed to promotional or marketing emails from Fifth Third Bank . 

Dividend, XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is not the firm that XXXX uses, nor is it the firm I applied to. 

I called XXXX and confirmed that they are NOT affiliated with Fifth Third or Dividend. 

I suspect that Dividend is scouring credit bureau inquiries and using them to solicit business. Might not be illegal, but it is, at best, shady business practice. 

Please whack them one on my behalf. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/XXXX : i paid the full balance of my credit card for XXXX payment XX/XX/XXXX : Citi emaild me that it will recharge the full balance again since I am on autopayment XXXX read the email from XX/XX/XXXX for the first time. Immediately logged in to check if I can stop the payment and immediately called Citi when I saw that it has already been posted. THIS IS A BAD PROCESS DESIGN. When I asked the customer service manager whom I talk to, I was pointed to Legal by mailing a complaint. When I asked whom I can complain out of Citi, the manager told me that she does not know, which should not be the answer that I get as a consumer. 

Citi could have easily designed the process so that this double charging ( which I would say Citi is robbing me ). Manager told me that it will take at least 15 days to reverse the charges once it is drafted.

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 2024-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I noticed unathurized inquires on my report that are inaccurate please remove them XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX

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 2024-09-12 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation 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 the dispute from the consumer or reseller. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-09-12 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: SC

Complaint narrative:
i recently reviewed my account and noticed i had fraudulent accounts on my report

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 2024-09-12 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2024-09-12 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: IL

Complaint narrative:
have unauthorized inquiries on my credit report, but no accounts seem to be open. I'm assuming this is the result of data breaches.I want the following inquiries removed from my Transunion credit Report. ( 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 XXXX XXXX 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 non-monetary relief