vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank The account was paid in full in XXXX ( online ). Apparently, there were residual finance charges of a few dollars that were added after I paid the account in full and was unaware of these finance charges. When I became aware, I paid them. They have DESTROYED my perfect payment history by reporting historical 30 days late for XX/XX/2022. Technically, no payment was late and it is illegal to report late payments on residual finance charges. I have asked them to update and remove the 30 day late reference which they refuse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Suntrust Bank with account # XXXX with a balance of {$570.00}. 
The reporting of this account is in violation of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] : ( 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 ; Suntrust and XXXX ( Person ) is violating federal law pursuant to [ 15 USC 1681 ( a ) ( 2 ) ( i ) ] under the FCRA by reporting or furnishing " information solely as to transactions or experiences between I ( consumer ) and the person making the report ( Suntrust and XXXX ). The statue clearly states this should be excluded from the consumer report. 

Remove the illegally reported information immediately before swift legal action is taken.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
The debt collection agency CCS gave me the option for a payment plan. They did not notify me that the full amount was due immediately and implied that a payment agreement was in place paying XXXX a month. However, they failed to notify me that choosing the payment plan would result in a delinquent payment on my credit report. I called them and they said there is nothing they can do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
Despite the multiple previous written requests, the unverified collection listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Received a dispute completion online, not by mail from Equifax stating that my dispute was " Verified '' with XXXX XXXX within 3 days of my submittal. I have provided Equifax with a letter from XXXX XXXX stated that the record was removed because it could not be verified. Please see the attached confirmation from Equifax stating that they have conducted a proper investigation into this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00}

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Been getting these texts almost daily regarding my BOA account

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite the multiple previous written requests, the unverified collections isted below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX. ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: NJ

Complaint narrative:
FedLoan reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
About XX/XX/XXXX I called Regions Mortgage to make a XXXX payment directly to the principal of my mortgage. Over 3 times on the phone conversation I stated I wanted the payment to go only to the principal amount. After the representative completed the transaction again I stated so XXXX dollars going only to principal. The call was being recorded according to the representative. I waited until I saw the funds clear from my bank before I called back. The reason for the payment was to bring my total mortgage under 78 % of the original balance of the loan so that the PMI could be removed. I called on XX/XX/XXXX and asked my balance which did not reflect how much it should have if XXXX dollars went straight to principal. The representative informed me that the XXXX payment went to my XXXX bill of XXXX dollars and the remainder went to principal. I explained to the rep that the total amount should have went to principal. The rep informed me she would send someone a request to back it out and then apply it to principal. Instead of waiting on that I told the rep that the {$2400.00} I usually pay for my monthly mortgage payment I wanted to pay that amount to principal. Again on recorded line I was assured that the amount would go only to principal and not towards any monthly mortgage bill. Again I waited for the amount to clear my bank account before calling. Again I asked my balance and was told around XXXX something ( can't remember the amount ) which was still not under the 78 % of the initial loan amount so I knew something was incorrect. I was informed by the rep that the {$2400.00} was applied to my XXXX bill. Keep in mind I made the payment on XX/XX/XXXX, which is not even close to my due date for my XXXX bill. This time the rep told me he would back it out and put it to principal. I asked what my balance was and was informed that I had to give the system time to update. I do not think the errors were with the reps, I think it is with Regions payment system. If I would have never called back I would have not known for a month that the payments were applied incorrectly. Interest on the balance of a mortgage is not calculated at the end of the month, it it calculated daily. That is interest that I am paying, that I should not have had to pay because my balance should have been lower than what it was. I feel that this practice is deliberate and unethical.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My XXXX XXXX  highlighted hard inquiries changes today. I have XXXX hard inquiries from XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone XXXX. 

I don't recognize this company and when I dial the number is " not setup to receive calls '' I have a right to question the inquiry on my credit report and am unable to do so.

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 2022-03-02 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: CA

Complaint narrative:
I SETTLED THIS DISPUTED DEBT IN FULL PER THE PER THE TERMS OF PRA OFFER TO XXXX  THE BALANCE AND REMOVE NEGATIVE CREDIT REPORTING. AFTER I PAID MY AGREED UPON SETTLEMENT AMOUNT THEY ARE ATTEMPTING TO COLLECT THE BALANCE OF THE ORIGINAL DISPUTED BALANCE AND HAVE NOT REMOVED THE NEGATIVE COLLECTIONS ACCOUNT FROM THE CREDIT REPORTING AGENCIES. THIS IS PURELY SIMPLE FINANCIAL FRAUD AND MUST BE PUNISHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is showing on my Experian credit report twice, for the same amount on the same charged off auto loan. It is only reporting twice on Experian, not on any other bureaus. You can clearly see its the same loan, with the same open date, same original amount, same amount due. I have attempted to resolve this with XXXX XXXX as well as Experian with absolutely nothing being done. It is even currently in dispute on Experian and has been for several months with no correction made. 
XXXX XXXX altered the account number for the second so they could continue to report it. The first debt being posted is understandable, but Experian and XXXX XXXX XXXX reporting the same debt twice is damaging my credit far more than if they reported accurate information. They altered the account number for the second so they could continue to report it to further damage my credit. 
Account # XXXX is accurate and may remain Account # XXXX is a double post of the same debt and needs to be removed This is duplicate reporting of the same exact debt and needs to be resolved.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: WV

Complaint narrative:
I made a payment on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. After every single payment I received a email saying thanks for your payment then 3 days later payment reversal. And, next it is on my credit report. I had to dispute the credit report to get it fixed. I've cancelled the card, but now they are saying I still owe there fees. I NEVER USED THE CARD! I have had money in my XXXX account and my XXXX account to cover every payment as well. I tried to pay the card with both accounts and both got reversed. It seems to me that INDIGO is just messing people 's credit up worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for a $ XXXX mortgage with Bank of America and it was rejected without merit after we had agreed on terms and upfront costs were paid for. I locked my rate on XX/XX/2022 and paid for an appraisal ( {$790.00} ) and credit report ( {$30.00} ) that day. After XXXX weeks of onerous and repetitive document requests, all of which we obliged, the mortgage was canceled and no reason was given. I believe it was because interest rates had risen since my rate lock and they didn't want to hold a loan on their books with my interest rate. The reason I believe this is that On XX/XX/2022, I completed an auto loan with Bank of America ( Loan # XXXX ). Neither my nor my companys creditworthiness was in question just a few days before when this auto loan was consummated. I have excellent credit ( XXXX ) and my company makes over $ XXXX profit yearly. At the time of the loan I had nearly $ XXXX cash deposits at the Bank. 

My loan XXXX XXXX XXXX was rude and made no attempts to understand my company 's business model. On the day the mortgage was canceled she called and XXXX apologized but could not give a reason for canceling the loan. As a result of their canceling I have suffered damages since interest rates have risen substantially during this course of time.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX I applied for a XXXX  credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I walked into a branch of Citi Bank XXXX XXXX XXXX XXXX XXXX, va. There was initially a misprint in my debit card. The teller denied me service due to the miss-print when it was clearly a mistake by them. She attempted to verify my account by the security word and pin, but I do not remember having a security word or receiving my pin in the mail. I attempted XXXX to ask to verify in other ways but they told me that my ID, XXXX and birth certificate could not be accepted. They were a bit passive on finding a resolution surpassed that and it felt as if they were profiling me ( only the teller ) by how quick and stand-offish the experience was. My account is know block for fraud during a time that I have to pay rent and bills.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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