vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 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: CA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and my SSN card.

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 2024-01-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: FL

Complaint narrative:
I reside in XXXX XXXX had checking account established with US Bank XX/XX/XXXX via on line. Occasionally deposit money by check thru the mail service. Seen they were offering a pretty good cd rate so called an had banker transfer XXXX for 7 month CD.on XX/XX/XXXX with maturity date of XX/XX/XXXX. Called XX/XX/XXXX to see if rate would stay same and if not transfer to checking. Confirmation number XXXX. When I received new statement in mail seen CD had not been transferred to checking. That is when I first called XX/XX/XXXX and found out the CD was renewed at ,05 % I asked at that time for it to be transferred to checking on XXXX XXXX. Have made contact with them speaking to four different bankers and each time they refer to another department.My last contact was with banker XXXX on XXXX he said Supervisor XXXX would call and fix problem. Well one again no call and CD remains where it is with I having no access to it. 
Call dates again are XXXX XXXX. Direct Tel # yo XXXX XXXX ( sp ) XXXX XXXX XXXX have called and left message with no return calls Please help I'm XXXX XXXX and this is very troubling. 

Thanks In Advance Tel # XXXX cell 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
Consumer complaint received 2024-01-03 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm filing this complaint against Experian for not update my credit report to reflect my current status with all my creditors that reports my credit, they haven't updated nor posted and of my current credit status to show my updated credit score so my mortgage lender can run a credit check so that I can Uptain an prequalifying approval. When trying to run a soft credit check it show that I don't have any record on file, for when logging into their site it shows all my information plus some incorrect information, outdate information. 
When I call, I get their automatic system never get connect to alive agent. So, I send messages through their system as far as it would allow me. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: UT

Complaint narrative:
Discover Bank is reporting a late on my credit file that needs to be removed. I have had an account with them for a very long time and have been a loyal customer. Recently I logged in to check my credit and noticed Discover put a late notation on my credit?! I have never ever been late with them. The funds were available but never did I receive a statement in the mail or a call that I was past due I found out on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the inaccurate reporting of my credit information and the violation of my privacy rights by Experian, one of the major credit reporting agencies. As a federally protected consumer, I am opting out of the following accounts that are negatively impacting my credit : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing written instructions to Experian to remove these items from my credit report, they have failed to do so, thereby adversely affecting my creditworthiness. Furthermore, I am a victim of the XXXX data breach, and XXXX has reported information without my consent. 

This situation raises concerns about the violation of the Privacy Act of 1974, and I believe several U.S. Codes and regulations are applicable to this matter : 1. **15 U.S. Code 1681b : ** Permissible purposes of consumer reports 2. **15 U.S. Code 6801 : ** Protection of nonpublic personal information 3. **15 U.S. Code 6802 : ** Obligations with respect to disclosures of personal information 4. **CFR 1016.7 : ** Disclosure of adverse action 5. **12 CFR 1016.10 : ** Form of disclosures 6. **12 CFR 1022.24 : ** Privacy of consumer financial information 7. **16 CFR 313.1 : ** Definitions 8. **16 CFR 313.7 : ** Violations deemed unfair practices under Section 5 of the FTC Act 9. **Fair Debt Collection Practices Act ( FDCPA ) : ** Pertinent to XXXX XXXX XXXX I request a thorough investigation into this matter and urge the Consumer Financial Protection Bureau to take appropriate action to rectify the inaccuracies on my credit report and ensure compliance with federal laws and regulations. 

Please Remove all items that are negatively impacting my credit and causing undue emotional stress I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, 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 explanation
Consumer complaint received 2024-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not authorize these fraudulent inquiries on my consumer report and according to the FCRA I would like to be removed or deleted immediately Thanks XXXX XXXX Bank, credit cards, XX/XX/XXXX XXXX XXXX Bank credit cards, 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 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I have grad school loans through MOHELA- I have set up direct deposit 3 times now and each time it says I am good to go. And every time my payment deadline rolls around my money is not withdrawn and I get hit with a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
XX/XX/23 : A screen shot of a Wakefield & Ass letterhead telling me how to view debt collection followed by a text with a link. 
XX/XX/23 : a phone call I did not answer with a voice mail asking me, by name, to return the call. 
XX/XX/23 : a phone call I answered. I was hung up on. 
XX/XX/23 : Text message from XXXX stating the company name, a phone number to call and a link to use. 
XX/XX/23 : A phone call in which I requested a debt validation letter. The person I spoke with said one was sent, described an envelope, and said another couldnt be sent. They verified my address, said a letter was sent in XXXX, and told me how to access the information online. 
XX/XX/23 : Another phone call in which I said I will not be speaking with anyone until the debt validation letter is resent and received. 
XX/XX/23 : I repeated that I will not be speaking with or handling the debt until a debt validation letter is sent. 
XX/XX/23 : I attempted to contact customer service to complain, I was hung up on or call was dropped. 
XX/XX/23 : Another call. I demanded to speak with a supervisor after being told a debt validation letter was sent in XXXX and another could not be sent. Then I was placed on hold. Then told the supervisor wouldnt take my call/wasnt there however I can be sent a letter. 
I am incredibly skeptical a debt validation letter will be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: VA

Complaint narrative:
Two problems. First problem is they raised my monthly payment by forcing me into a different payment program. The second problem is they sent an erroneous bill on XX/XX/2023, and I trusted them so I paid the bill in full. They admitted I didn't have to pay this and that they made a mistake- but they have not refunded the erroneous payment from the fraudulent and fake bill they sent me. I tried calling and sending messages. The phone system takes you into XXXX minutes of automated messages, and then they put you on hold with estimated wait times of XXXX minutes- if you wait, they disconnect the call. I sent multiple messages to which they respond with copy/paste responses that do not address the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I signed up with XXXX payment services in XXXX of XXXX to process credit card and ACH payments for my online business. From the very beginning, I asked the representative on the phone, XXXX XXXX, if there were any monthly fees associated with my account and she said there were not. I encountered issues with their invoicing system as soon as I started using it. I reached out to the representative, who put me in contact with their tech support. Tech support was not able to resolve the issues I was having so I decided to move away from this service all together. I processed a total of XXXX transactions with Heartland before moving away. In XXXX, I noticed I was billed an additional {$20.00} on top of the fees from my XXXX transactions. Then in XXXX and XXXX I was charged {$20.00} even though I process no additional transactions. I called my original representative, XXXX XXXX, who said she would contact XXXX XXXX and get the issue resolved. I never heard back from either representative. Then, in XXXX of XXXX, I was billed the same {$20.00} plus an additional {$150.00}. When I called to ask about this, customer service told me the additional {$150.00} was for a reporting fee. I also called both XXXX XXXX and XXXX XXXX and left messages for each. I have yet to hear back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Health Care Management Services, Inc.
State: GA

Complaint narrative:
I had medical emergency on XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX. The patient ( myself ) responsible for {$370.00} ( XX/XX/XXXX ) + {$1000.00} ( XX/XX/XXXX ) = {$1300.00} after insurance. The Account Number is XXXX. I set up a payment plan with XXXX XXXX on XX/XX/XXXX. I put {$110.00} each month and I never missed any monthly payment. The total balance {$1300.00} will be paid off by XX/XX/XXXX. Even I continue to make payment, I received a request from the HSI collection agency and request a payment of {$910.00}. I tried to reach XXXX XXXX but I was put on hold multiple times. The longest wait time is more than an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I made a purchase online via Lowes website and chose Lowe 's pay on XX/XX/2023 through Synchrony bank, pay later loan, I purchased multiple products, part of the items received were sent damaged, I made Lowes aware of this at the beginning of XXXX through customer care and spoke with a XXXX. I had a meeting with a virtual designed on XX/XX/2023, he was advised prior and at this visit. He made arrangements with the local store over getting the merchandise picked up and returned. I was advised that once they were received in store that a refund would be put on my account. I have never received that refund. Synchrony bank is not showing a refund, Lowes is telling me that they did. Synchrony bank is not honoring my early payment before my due date and I am being charged interest and late fees for products that I do not have in my possession. I made a payment to them on XX/XX/2023 prior to the due date of XX/XX/2023. I made a payment that was above the minimum payment for the account. I am disputing the charges with Lowes and Synchrony bank. The information I have and what was shared with me does not match there records or what they are telling me. I have emails with Lowes and a recorded call with an employee at Synchrony Bank of these disputes and nothing is being resolved in a timely manner and it is impacting my credit and the information I signed.

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 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I made a {$3000.00} down payment on a car at XXXX XXXX XXXX CT from my Wells Fargo Checking Account on XX/XX/2023. The payment didn't seem to go through and XXXX XXXX said they never received the {$3000.00} from Wells Fargo. I never received the {$3000.00} back into my Checking Account after this unsuccessful transaction. My son paid for the down payment in the amount of {$3500.00}. I opened a claim with Wells Fargo to resolve my missing {$3000.00}, but they are denying my claim.

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 2024-01-03 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: NJ

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase bank all of a sudden lowered my credit limits in two cards that were both in good standing. They sent us an email stating that it was either due to a late payment or we hadnt used the card in a while. This action caused my credit score to drop from XXXX to XXXX. Those were both false statements. I received a call from someone at the executive office conveniently after she was getting off for the day. She stated they investigated and they stand by their decision. Ive asked for proof of either occurrence and theyve been nothing but silent. Ive heard of this happening several times by chase bank. All she would say is her names XXXX from Chase executive office. Her number is XXXX and extension is XXXX. Ive asked chase to rectify this issue as it has negatively impacted my credit for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/XXXX - and before this date : Working Truist/BB & T Mortgage to get a modification and mortgage assistance. This is the 3 rd compliant with the CFPB and requesting assistance from your agency for a margin to assist with Truist Mortgage. I have asked you for assistance, but you continue to let them send me letters and tell me that there is no assistance. There is always assistance when it comes to homeowners and theyre not really trying to assist me. They just want to take my home so I need assistance and this workaround there is no way that, you can tell me that some liens that are not even part of my home, or the attached to a business from the IRS will prevent me from modification when in the past, I have had another property assisted with a modification and didnt hear anything about the lanes and its the same kind of loan so its just mortgage company that does not want to assist and help me. They just want to do a short sale.

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 2024-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, XXXX XXXX, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b 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 NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX XXXX I was never late on XX/XX/2019 on this account please update the account as Paid/Current. 
I was never late on XX/XX/2019 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery never proved that I owe this debt, I never signed anything with them. It wsa also send and recieved after the 3 year statuate of limitations was up. It is still showing on my credit report. I believe they have been suid for this very practice.

Company response to consumer: Closed with explanation