vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: AL

Complaint narrative:
This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
1. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.

2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AL

Complaint narrative:
This company has outdated systems that misinform the consumer of what their account balances actually are as well as kick payments back with no reason why. Ive gone into the bank on serval occasions to be told someone would contact me and no one never will. Ive looked online and this is an ongoing problem with this institution.This banks makes it next to impossible to service accounts within their bank. I have all these improprieties documented. 
1. When you login to pay your bill the companys system states no payment is due making you think its already been paid in hopes of collecting late fees.

2.You schedule auto pay and get a confirmation page stating its confirmed the company doesnt take the auto pay out. Ive made 3 payments in one month because of this companies lack of up to date abilities.

3. This may not be illegal but it is certainly not good customer service. When you setup autopay You are only able to pay the minimum payment or the entire balance payoff. This is a reckless banking institution and because of their callous actions my credit has been ruined for a {$10.00} payment they said was already paid. And failed to correct the problem after they were informed of it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: WA

Complaint narrative:
XXXX  has been nothing but horrible to me since the start. They started mandatory repayments before the repayment pause was over, which they corrected but it seems incredibly scummy that they did that fully knowing there was a payment pause. Their payment system is nothing short of a headache. They first accepted payments from my savings account but then started declining those payments days after submission which caused late payments on the account. My most recent trouble with them highlights further issues where I would submit a payment, not get verification, then try again. Both got charged simultaneously causing both to get declined and two return check fees which then caused me to be unable to pay them until later. I submitted another payment which went through, but then later on when I got my paycheck deposited they charged both of those declined payments, resulting in my account to currently be in the negative racking up returned check fees. Their system is rife full of what is known as XXXX XXXX, aspects of system design and implementation that seems to simply want to charge me as much as possible likely before any further moves can be made for student loan forgiveness. If I had the opportunity to change loan servicers I would In a heartbeat. I have never had a problem with any other financial institution or commercial entity the same way I have with XXXX  and now I am financially ruined for at least a month based on their refund times to correct this issue. I need this complaint posted and I would hope that there's enough people with similar issues that action can be taken or their license to serve student loans is taken away because I do not trust them, their system has been nothing but a XXXX  trying to take more money away from me, and despite the capable customer service staff, it shouldn't be on them to fix design aspects that seem to be predatory in nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history withXX/XX/XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: NC

Complaint narrative:
XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports XXXX agency denied removal. 
Names and address used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> XXXX Fradulent names and addresses were-added to credit reports Reporting agency denied removal. 
Names and address used fraudulently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
I kindly implore you to swiftly and decisively take action to remove the fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: National Consumer Telecom & Utilities Exchange, Inc.
State: PR

Complaint narrative:
The following accounts are not mine XXXX. XXXX XXXX. XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BYS, LLC. d/b/a Boost Your Score
State: FL

Complaint narrative:
This was a fraudulent charge that i had no idea about. I got charged on my account twice and called my bank to stop payment and filed a claim but they closed it with no resolution

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: GA

Complaint narrative:
I am a victim of identity theft. I kindly request that you block this information from my credit report within XXXX business days, pursuant to XXXX XXXX of the Fair Credit Reporting Act. 

It is evident that these fraudulent accounts were orchestrated with malicious intent, as they were intended to harm my personal credit and financial well being. If not removed, I will have no choice but to sue for multiple violations under the FCRA and FDCPA in which under XXXX XXXX XXXX Civil Liability will be in effect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CMG Financial Services, Inc.
State: FL

Complaint narrative:
We obtained a mortgage with XXXX in 2023. My husband is a 100 % XXXX retired XXXX and we applied for floridas homestead exemption in XXXX for the XXXX year. We were initially told that our mortgage amount would decrease XX/XX/XXXX. When it did not, we began working with agents from XXXX to understand why. On several calls between XXXX and XXXX, we received different answers with no resolution. A XXXX employee then suggested that we do a mortgage reconsideration to pull our tax exemption information and this lower our payments. He did this and our mortgage went XXXX by XXXX per mi th. We then began to call again to understand why the mortgage would go up when we had no taxes. We finally reached XXXX in the escalation department who stated that the XXXX staff should never have submitted a reconsideration. He then made a plan with us that allowed us to continue to pay our regular mortgage account until XXXX when the new tax bill would come out. In XXXX we called again and spoke to numerous reps who all stated they could not see any notes regarding this agreement. During that time we also had to fight each month to pay what was agreed and kept being told we were shorting the company. Finally we contacted the tax office who stated that they had already sent the tax exemption several times to XXXX. We began to call XXXX again and encountered the same issue. No notes, no idea what we were talking about. We went back to the escalation department to talk to XXXX who out in a work order to pull the tax information. Now, in XXXX we called XXXX back to check and she states that not only would our mortgage not go down but we have a shortfall. This company has engaged in deceptive financial practices to take advantage of a XXXX veteren. At this point t we have no recourse with the company. Their story changes each phone call and they insist that we owe what we owe. XXXX every turn we were reassured that it was an error that would be corrected and at each turn, no one at XXXX communicated ( at best ) and at worst, this is a scheme that many other vulnerable people have fallen for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: OH

Complaint narrative:
XXXX unaware of this XXXX!!! 
National Recovery Agency I didn't have the opportunity to dispute this debt. I never receive proper notification! 
If in fact you believe you gave me proper notification please provide the certified mail receipt with my name and signature. Look forward to hearing from someone soon. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: NY

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: ID

Complaint narrative:
I was using my Wisely card by XXXX to withdraw {$300.00} at XXXX XXXX XXXX XXXX XXXX XXXX, ID on XX/XX/year> between XXXX and XXXX. I did not recieve the cash before the ATM retracted it back. I saw the cash go back into the atm so I know it was not taken. I immediately called XXXX XXXXXXXX first, they told me I needed to contact XXXX. I did so, and in stead of crediting the money back they opened a dispute and told me they were going to mail me a form I needed to fill out and submit by XX/XX/XXXX in order to get credit back. XX/XX/XXXX rolls around and I still don't have the mail. I call them and they tell me to email them. I do, and i get no confirmation email or anything that they had received it. I called the next day and they said there have been no updates to my dispute and to check back the next day. I am XXXX days away from the deadline or I am just out the {$300.00} and I feel as if I am being pushed aside and purposefully made money off of. I need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, XXXX requested my free annual reports from all XXXX credit bureaus. ONLY EQUIFAX has refused to provide it to me even though I used the government form on XX/XX/year>. I also submitted additional information they requested. They are violating a XXXX law and should be fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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 recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they're hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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