vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Month showing late payment 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 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/2023 I purchased gas at XXXX XXXX in XXXX Pennsylvania. The pre-authorization amount and hold was {$170.00}. In my other instances at this gas station, the hold was lifted within 24 hours. However, the hold was never lifted. I was charged for XXXX gallons of gas despite the fact that my gas tank can only hold up to XXXX gallons. I have disputed this twice, Capital One refused to reach out to the merchant. I had to spend approximately twelve hours on the phone over the course of three months, just to get a minimal amount of information from the merchant. Once I finally received the receipt from the merchant and uploaded it to a third dispute with Capital One I was informed that not only can I not be helped, but also that too much time had passed. This can not be accurate because my original dispute was within 10 days of the charge and I have been in contact on multiple occasions since that time. Compounding this issue is the compounded interest since that time. Ive been charged interest on the additional {$100.00} that I am owed and I have not been able to use my credit card since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
I writing because of IQDATA INTERNATIONAL, unfair practices. 
They are charging me interest every month. They have added on over XXXX to the debt The Original contract does not state where interest can be added. 

I want the amount back to the original amount. 
I am on XXXX and making the amount bigger every month is insane Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-20 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: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
Ive been attempting to pay off my student loans for the last two months. Every time Ive made a payment it will process and say it was accepted. However, a couple days later my account shows a payment reversal.

I've contacted my bank and they confirmed there are no issues with my bank account. I have enough funds to pay off my loans, but Aidvantage refuses to receive my payments. In the meantime, my loans are accruing interests, and the payoff amount keeps increasing. Ive attempted to contact
Aidvantave customer service NUMEROUS times but have never once gotten a person to talk to, even after being on hold for hours. Im just trying to pay off my student debt, but I am unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have several billing disputes with several merchants. This useless bank keeps asking me for documents and when I send this useless bank the documents it asks me for it's never good enough for them! Useless! I'm an excellent customer with excellent credit! I maintain my account with this useless bank impeccably! I expect more from the banks I do business with! I need a bank who will work hard for me! That's not this useless bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: GA

Complaint narrative:
I am a victim of identity theft and I have tried to contact the credit reporting agencies. They are not processing my disputes correctly and not attaching my FTC reports to the disputes. I have asked for copies of the verification process and never get them.

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 2023-09-20 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: MO

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 2023-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
this medical debt was paid by insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XX/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 2023-09-20 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 2023-09-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ovation Financial Services, LLC
State: TX

Complaint narrative:
I, XXXX XXXX, am writing this to whom it may concern, that I was diligently contacting my loan officer once a week letting her know what was going on with the Texas Homeowners Assistance Association and she never once said anything to me about making payments arrangements to pay my property back taxes or informed me of the incoming foreclosure I have coming up this Monday, XX/XX/. My loan officer works for Ovation Services and I have tried to contact her multiple times to inform her that I need more time so the company Texas Homeowners Assistance can help lend and assist in paying half of the owed property taxes so my home can not be foreclosed. I am fighting against the back taxes that I owe to this property tax lending company and have been cooperating with Texas Homeowners Assistance so they can help pay some of the back taxes off so my home will not be foreclosed. The issue is Ovation Services is not accepting an extended amount of time for the federal grant to be approved for the full amount of my owed back taxes in the amount of {$47000.00}. Federal grants typically take a process to be approved and fully paid out and all I am asking is for extended time so I can pay off my foreclosure debt. I am in true need of extended time so that my property tax assistance company can pay off my back taxes and my house will not be foreclosed.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/23 I sent {$250.00} by XXXX thru my Truist Bank Checking account to my son. 
Confirmation # XXXX. My son had changed bank. He did not receive the funds. He contacted XXXX and was told the funds would be returned to me if not received in 10 days. He never received the funds and they were not returned to my account. 

I contacted Truist and was turned over to their fraud division. Gave them the information. 
They issued complaint # XXXX. On XX/XX/XXXX they sent me a letter stating the following : " Based on a review of our records and the information gathered during the course of our investigation, we have determined with respect to the above-reference amount that the transaction was initiated by you for the amount due for which you received benefit. You are encouraged to resolve the matter with the merchant. You have the right to request a copy of any documents that we may have relied on in making this determination ''. 

I did not receive any benefit only a loss in funds. 
They have advertised using 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 2023-09-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
They closed my account without notice. 
A few days after, they pulled XXXX  from my other bank as a deposit It has been 2 weeks and my money is still with them in the closed account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20 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:
XXXX XXXX XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XXXXXX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on my credit report. 

XXXX XX/XX/XXXX was unverified and unauthorized activity on 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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly ask you to remove the incorrect late payment from my account. Considering my consistent history of making payments on time, it is unfair for me to be penalized for an error that is not within my control. I respectfully implore you to promptly update my account with the correct information.

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 2023-09-20 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
All for Truist bank- On XX/XX/23 I received {$100.00} debit memo fee charged to my bank account. I have no idea what this was immediately called my bank. They basically give me very little information. Other than that the {$100.00} was to pay for my other bank account Having had only one bank account for the past five years, I immediately knew this was going to be some sort of fraud or fake charge. 

So I called the fraud department of my bank Truist. In speaking to them I explain to them that Ive never had another account with the bank and that I have had fraudulent accounts opened up before at Truist, and at BB & T ( which they own ) but Ive closed them all. Still clearly Im a target for fraud. 

They clearly did very little with his information because after they did their investigation, they found nothing that was fraud worthy, and they said it was totally legit. 

So after I receive the note that my investigation was found to be not fraud, by clearly called back immediately and filed again, and explain to them again exactly what happened and how its physically impossible that this is anything but fraud. 

The employee took down really good notes and I felt confident. However, still never got any money back and didnt even get any call back or email back. 

Fast forward another month and I called them again to see whats going on. They had refunded two different overdraft fees ( each one {$36.00} ) that were related to my fraudulent charge of {$100.00}. So it felt like my case was obviously going to be deemed fraudulent and I would get my XXXX dollars back. 

However, I called them again on XX/XX/XXXX to ask them what is taking so long & why I havent received my XXXX dollars yet especially since I already received my overdraft fee refunds over 4 weeks ago! 

On XX/XX/XXXX I was feeling pretty good because I spoke with the manager and they said that they were gon na call me back on either the XXXX or XXXX of XXXX to follow up, and that they were able to refund me a {$36.00} overdraft fee in the meantime because Ive been dealing with this issue for so long. 

However come the XXXX of XXXX, I never received a call or a voicemail, and decided to call them up today XX/XX/23, Because of the fact that I have been charged yet another overdraft fee of {$36.00}. 

So this time on XX/XX/23 I talk to the recovery team at Truist for the second or third time as a relates to this issue and all of a sudden now they think its identity theft, and they need to investigate. 

The thing is their investigation team clearly does not know what they are doing because theyve looked at this obvious case of fraud twice and didnt think it was fraud so this is why Im contacting you guys to step in and help me out.

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 2023-09-20 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/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 non-monetary relief
Consumer complaint received 2023-09-20 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: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20 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: FL

Complaint narrative:
Hi One out of the Three reporting agency are still adamant about keeping a record of a bankruptcy that is not mine on my credit report! I have detailed info from the agency XXXX XXXX that originally had to remove this from their data base because they found no reliable information that linked the bankruptcy to me. After multiple failed attempts to have it removed from all three agency finally XXXX did comply, but the other XXXX XXXX and Experian has not. Now my last resort is to use this portal to try an get XXXX, Experian to comply to the consumer Laws.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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