vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple inquiries on my credit report, over the span of 6 months, there have been placed onto my credit report causing damages my credit score. I did not authorize any of the companies to use, pull, or check my credit report and Ive asked the companies to provide me with information that I allowed for them to check my report. None of my requests have been made and I am expecting that they take them off immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
RE : EXPERIAN, XXXX, XXXX and All Third Party Credit Reporting companies/subsidies. 

These companies are in violation of FAIR DEBT COLLECTION PRACTICES ACT. 
I have requested a fair and thorough investigation into inaccurate information that is and has been reporting on my Consumer Credit Reports for a long time. These violation carry penalty and i plan to seek Monetary damages.

I am filing this complaint in addition to filing them with the companies in question. After waiting for the disputes processes to be completed. The companies failed to remove information that was inaccurate and caused financial and unfair deceptive business practices take place. I take my credit very seriously and hope to hear back ASAP.

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 2023-11-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX This inquiry is not mine XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: NJ

Complaint narrative:
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This inquiry is not mine XXXX XXXX XX/XX/

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 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: TN

Complaint narrative:
On XX/XX/23, my autopayment of {$920.00} was not applied. The amount of {$830.00} was pulled from my bank account. This caused a shortage of {$87.00} for my XXXX mortgage payment. I called the Loan Depot rep to determine why my bi-weekly autopayment was short. The rep stated that someone would get back with me concerning this issue. I called on XX/XX/23 to see that my mortgage was showing delinquent showing that the XXXX and XXXX payments were outstanding. After speaking with the rep, I was advised to pay a shortage of {$160.00}. I was advised that {$85.00} of the {$830.00} was moved to principal. I made a payment of {$75.00} on XX/XX/23 and requested that the {$85.00} be moved back to suspense to be applied to my full mortgage payment. I was advised that I should be contacted within 2 business days. I am concerned that I will be turned into the credit bureau for being delinquent due to a processing error on their side. The rep also advised me that their system can not handle the extra principal payments and that it would be a long process to get the system developers to fix this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: MN

Complaint narrative:
I became delinquent on my mortgage payments. I had several phone calls with my mortgage lender on how I might be able to resolve the issue. I asked if they would be able and/or willing to put my past due payments on the backside of my loan and they said no. I asked if I could make partial payments and they said no. I then tried to make a full payment amount and they would not accept ANYTHING other than the full amount due of all my missed payments. They were unwilling to work with me at all and would often times simply hang up on me. I received a foreclosure notice on XX/XX/XXXX with a SHERIFF 'S SALE date of XX/XX/XXXX. The have added on an exorbitant amount of unjust and unreasonable fees and raised my mortgage with no explanation of that change. In the mortgage foreclosure papers, their numbers and dates are completely incorrect. They state my original mortgage was in XXXX in the amount of {$170000.00}. My actual mortgage was in XXXX in the amount of {$150000.00}, which is proven and has been submitted to them by the State of MN. They have been completely unwilling to work with me and discuss any options for remediation other than paying only the full amount due which again includes unreasonable and unjust fees. I am now working with a mortgage counselor in the State of MN, along with the MN Attorney General and am working diligently to resolve my issue, however, this mortgage lender has a reputation of being unfair and unreasonable. It appears as though they want nothing to do with the consumer and just want to keep adding unreasonable fees and want nothing more than to foreclose on people 's homes. Their unjust and unreasonable fees added on make it near impossible to become current and again, are unwilling to even speak to me to try and resolve this matter. Their reviews indicate just as much and much, much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Payments made monthly on the first as Im supposed to. Their payment site is down with zero information as to when it will be up again. 6 months ago I was charged NON STOP fees of XXXX XXXX and never refunded nor told what they were for and no matter what I sent letters to them asking I never got transparency about those. This is only my second month paying my NORMAL AMOUNT OF MORTGAGE since they took over the account in a year plus and now they have some issue again with the payment system just like last XXXX that caused my payment reversals last time. My credit went to XXXX for months over this last time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The Following credit reporting agencies have a bankruptcy that is not true and they hae not provided any documenation.

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 2023-11-02 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: AL

Complaint narrative:
The Following credit reporting agencies have a bankruptcy that is not true and they hae not provided any documenation.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lenox Financial Mortgage Corporation
State: MO

Complaint narrative:
XXXXLENOX FINANCIAL MORT , has done an illegal credit inquiry and put I on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i attempted to make a purchase at Big Lots store and credit card for the store would not process the purchase. Tried twice by inserting my social security number and the system indicated DENIED. The store clerk recommended contacting the bank ( Comenity Capital Bank ). I contacted the bank and they requested that I reapply for the credit card. I decided not to and applied for a credit card at my XXXX XXXX. That is when I found out I had a {$6000.00} overdue bill delinquent, which affected my credit score ( XXXX  ). The bank has reduced our balance to XXXX  balance but our Credit Score has not been adjusted as far as I know. It appears a XXXX  has been committed and although we may be able to resolve the issue as far as our credit score but someone should be charged with the crime and make restitution to us and the XXXX XXXX XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 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: DISCOVER BANK
State: FL

Complaint narrative:
In accordance with the Fair Credit Report Act account DISCOVER BANK Account XXXX XXXXXXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency Can not furnish an account without my written instruction. 

also, I have requested multiple times for this company to provide me with a signed copy of the contract to show proof of ownership and never have received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a car loan with Bank Of America since XXXX. 
On XX/XX/XXXX I make a payment by phone to Bank of America since I did not want to incur in a late fee. I give them my Bank routing number and my account. I receive a confirmation number of the payment ( XXXX ) over the phone. 
I pay my XXXX loan fee at the beginning of the month as usual. 
At the end of XXXX I receive a letter from them dated XX/XX/XXXX saying that they did not receive my XX/XX/XXXX payment and now I have an added XXXX $ late fee to payment. 
I called XXXX  to straighten out the mistake and, after XXXX hour of speaking with different representatives and finally a supervisor, I find out that the XXXX payment did not go through because they wrote the incorrect account number ( the supervisor, I finally spoke to, verified the routing and account and saw the error ). They then took my on time XXXX payment, which I usually round up to XXXX instead of the XXXX $ required, as the late XXXX payment and then they tell me that I am late for my XXXX payment as well and I have to pay a late fee on that as well. 
Note that they sent out the letter for the late XXXX fee way past the 10 day grace period and they did not notify me before that that the payment did not go through. 
They wont reimburse the late fees right away, although it's their mistake, and I even have to pay the late XXXX fee over the phone. 
They say that they are going to reimburse me the late fee and detract them from my principal balance. 
They have a specific " Late fee Department '' which you can not talk to or email since they told me they do not have a phone or email and I have to wait to see if they detracted the fee in my next statement. 
They do not complain if I pay them a bit above my monthly fee, but they can not give me the XXXX $ back right away when they made a mistake and make me spend XXXX hour on the phone with 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 monetary relief
Consumer complaint received 2023-11-02 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: TX

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Commenity Bank XXXX XXXX has reported my account as late 30 days, and this is not accurate. I have never been 30 days late on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX is the original debt collector. The company has never issued a 1099-C after discharge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: VA

Complaint narrative:
i was doing a credit check and saw my score had dropped drastically i followed the instructions and called each company to dispute all the companies did inform me that the mailing address was not my address and the accounts had been opened online i informed them they are not my accounts that someone was using my personal information. XXXX told me to report it to ftc.gov

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card holds payments for 7 business days before updating credit limit, despite funds already being withdrawn from bank account. This means that despite paying the credit card on time, there is a 10 day period of not having access to credit on the card. 

Support will not manually release the hold. They advise that the only way to avoid a hold is to pay the credit card balance via Apple Cash and that it will then be adjusted immediately.

I am not sure whether forcing consumers to use Apple Cash for timely release of their credit is legal but it is inconvenient. There is no notification when you make an ACH payment that your credit will not be updated for 7 business days. This is a big annoyance and has resulted multiple times in $ XXXX of credit not being available to me more than a week after submitting an on time payment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, there are 3 fraud transfer made on my account XXXX XXXX XXXX XXXX XX/XX/2023 {$2000.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) XXXX XXXX XXXX XXXX XX/XX/2023 {$6500.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) This one resolved XXXX XXXX XXXX XXXX XX/XX/2023 {$4300.00} XXXX Resolved - Credit Permanent Please help me get my money back Police complaint 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 monetary relief
Consumer complaint received 2023-11-02 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: NY

Complaint narrative:
Put my address back on my Experian credit report account today. And update my credit reports for 2023 of this months XX/XX/2023 today for XXXX, XXXX, Experian to the lastest credit report of 2023 of XX/XX/XXXX Thxs

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: IL

Complaint narrative:
MY PERSONAL AND BUSINESS ACOUNTS WERE CLOSED XX/XX/2023 BY PNC BANK. I DON'T HAVE A COMPLAINT AGAINST ANY ONE PERSON OR LOCATION. MY COMPLAINT IS THAT MY ACCOUNTS WERE CLOSED. I HAD CALLED THE XXXX NUMBER WHEN I COULDN'T LOG IN TO MY ONLINE BANKING AND WAS TOLD THAT MY ACCOUNT HAD BEEN CLOSED, THAT THE BANK HAD REVIEWED MY ACCOUNT AND MADE THE DECISION TO END THE RELATIONSHIP AND ARE ABLE TO DO THAT AT THEIR DISCRETION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXXXXXX 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 ( The following personal information is incorrect. The personal data reporting is inaccurate. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: NJ

Complaint narrative:
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  ( The following personal information is incorrect. The personal data reporting 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 2023-11-02 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: CA

Complaint narrative:
Aidvantage is taking advantage of customers trying to pay back student loans. They are calculating the income-based repayment options incorrectly and forcing customers to pay twice as much. Typically my loan payment was around {$260.00} to {$280.00}. Even though I have filled out and continually renewed the IDR they initially made me pay {$630.00} for the first payment. I went on the Federal Student Loan service to renew again, even though I didn't need to, and it calculated my payment to be around {$330.00} to {$170.00} per month. However, after Aidvantage got the new renewal paperwork they sent me a pdf saying I would need to make 8 payments at {$570.00}, followed by a list of several other random numbers of payments at variable amounts after that. Obviously, that is not calculated off of the 10 % IBR as the Federal Student Loan site. I called them and was on hold for an hour before I finally got through. The customer service representative said they couldn't do anything something must be wrong with their algorithms for calculating the payments. They also said that lots of people were having this problem and they would have 'a person look into it. ' Now their chat customer service isn't working either saying the current volume is too heavy. Additionally, they will not list how much my payments should be they only do so moments before actual payment so that if they are wrong like they are, you do not have any time to do anything about it as they say it takes three weeks to 45 days to process any new paperwork. This is ridiculous they should not be handling money.

Company response to consumer: Closed with explanation