vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 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:
Experian stole 17 months of on time never late payments to XXXX and refuse to give them back and they just closed another complaint without addressing the issue

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 2023-11-29 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: IN

Complaint narrative:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax seems to think it can use the XXXX  program they run as a excuse to lower my score. They ignore years of on time payments, no hard inquires, the same XXXX credit cards, and using the same bank XXXX XXXX  XXXX XXXX ) for XXXX years. Equifax can't seem to figure out that I'm not disputing what's being reported to them, I'm disputing their interpretation of it. They are being rigid and unyielding, and they are unwilling to admit the algorithms they're using are faulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon.

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX  you furnished alleged transaction ( s ) on my XXXX and TransUnion that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you are not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have XXXX Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX XXXX  # XXXX Without Recourse UCC 1-308

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished alleged transaction ( s ) on my Experian and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX ACCT  # XXXX Without Recourse UCC 1-308

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-29 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: TN

Complaint narrative:
I am trying to buy a house, and I realized that I had damages on my credit report. 
According to the 15 U.S.C 1681 law, there should not be any damages on my credit report. It is a defamation to my character, it's affecting my score and it is paid. Also, Equifax is reporting inaccurate information for two accounts with the same account number. That is double jeopardy. The accounts with the same account number have different open dates. How is that possible if its the same account? One of the accounts shows that is was 120 days late but the months leading up shows that those months were in good standing. Everything is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: NV

Complaint narrative:
This was for my Citibank card. I had an autopay that usually pays in full but I moved across the country and had more charges than usual, so I changed that payment to {$1700.00}, an amount well over the minimum required. At least that's what I thought but I must have accidentally created another payment of {$1700.00} because two {$1700.00} payments were taken on XX/XX/2023. I spent hours calling that day and several days after to get one of the payments reversed, and even spoke with a manager who assured me it would be reversed. It was never reversed and this has had a big negative financial impact on me. This should be a simple and easy process. It should not have been difficult to reverse one of those payments. I have been a stellar cardholder for years and never missed a payment. 

In addition, I have continual fraud alerts with both Citibank cards I have. Every time I have to call to verify information, the process is inconsistent ( meaning they ask numerous questions that are different each time ) and it takes at least 30 minutes each time. The last time was this morning and they had to cancel my card. I told them that I don't want another one. Communication and hold/wait times are atrocious, as again, this should be a fairly simple process. I will not have a Citibank card again.

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 2023-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account 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 2023-11-29 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 2023-11-29 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 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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, Today, I received a letter dated on XX/XX/XXXXXXXX XXXX XXXX from your company indicating that I had requested the credit card, which I never did recently to any credit companies and banks. I would like you to investigate this case number XXXX to protect the safety of your preferred customer and increase the reliability of your company. 

Sincerely,

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 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Applied for a NetCredit loan and was was approved except for the employment verification process. I called each time I resubmitted my application only to be told that the processing department was calling an incorrect number in their attempt to verify my employment. I provided verifiable numbers for my employer, my employers third party verification service including an email address and portal information with employer code. I was told they can only verify employment by phone, which is fine, if the correct number is called for verification. I finally submitted an official employment verification letter along with my most recent application and it was again denied with the following language : Dear Applicant : Thank you for your recent application. Your request for consumer credit was carefully considered, and we regret that we are unable to approve your application at this time, for the following reason ( s ) : Unable to verify employment It is apparent that my application was not carefully considered and I question if they even attempted to truly verify my employment in my subsequent application submissions. Between 5 different customer service representatives, I was told that they were forwarding the correct phone numbers to the processing department, but it does not appear the processing department is responding to any of the corrected information provided. 

I am verifiably employed and should not have my loan denied due to information that is available in multiple forms. If the intent is to verify information on my application, NetCredit has had every opportunity and all the information needed to do so. 

Therefore I must conclude, my application has not bee carefully considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advantage Credit, Inc.
State: OR

Complaint narrative:
Some one pull hard credit inquiry on my credit file without any authorization. I has contacted 3 credit companies requesting to put faulty alter and requesting to remove the hard inquiry information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This company is in violation of credit discrimination. I was denied however, I meet the credit requirements. The reason for the denial states : history of credit, age and no authorized user accounts. I have a XXXX credit score and my age should not be a factor. Unfortunately, I do not have access to authorized user accounts because family and friends do not meet standards. I am looking to build my credit history, but this company will not approve me for loans/lines of credit. This company is in violation of Title 15 subsection 6:11 false and misleading denial of my own credit. I demand a reversal and to be approved for credit.

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 2023-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
i am disputing several fraudulent items on my credit report. 

XXXX. XXXX XXXX {$16.00} XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$660.00} XXXX. XXXX XXXX XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: EdFinancial Services
State: PA

Complaint narrative:
Payment of {$110.00} was due XX/XX/ Made payment of {$500.00} on XX/XX/ Payment was reversed by Ed financial on XX/XX/XXXX  Tried to call to find out why was told they didnt know try again Made {$500.00} payment on XX/XX/ EdFinancial reversed the payment on XX/XX/ Causing my account to go unpaid affecting my credit score. Everytime I call I am told they dont know why it has to be an error on my part but my bank info is correct. They said they have nothing else to tell me and theres nothing to look into. A quick XXXX search shows TONS of people are also having their payments reversed causing them to go unpaid, affect their credit and extend the life of their loans and the interest. This is a complete scam And predatory lending practices. 
Another payment of {$220.00} was made today XX/XX/. I am waiting to see if they reverse it yet again and have no idea how I can pay my loan if they keep returning the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LAKEVIEW LENDING LLC
State: IN

Complaint narrative:
I received a call on XX/XX/year> at XXXX from phone number XXXX XXXX XXXX XXXX. The man on the phone requested for my husband by name, but also knew my name and phone number. When I asked where he was calling from and what his name was he stated that his name was XXXX and that he was calling on behalf of Lakeview Lend mortgage company. He told me that he works with XXXX XXXX  and that he was going to get us the best rate available guaranteed. When I told him I was not able to speak at the moment he pushed me to give him more information about myself and my mortgage ideals. He ultimately gave me his contact information and website which is as follows : ( XXXX ) XXXX and XXXX XXXX XXXX My browser alerted me that the website was unsecured. 

I reached out to my representative at XXXX about the situation and she recommended that I post a complaint about the company.

Company response to consumer: Closed with explanation