vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: NJ

Complaint narrative:
XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

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 2022-04-08 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ive been attempting to get Ally Financial to stop reporting account as disputed. with no luck. Im working on getting a home loan and this verbiage on my credit reporting is affecting my loan approval. I begin making my request to Ally in XXXX of 2021, Ally as well as all the credit reporting bureaus would remove the dispute, but comes the following month and Ally reports as disputed again. Ive had the loan XXXX on the line with me and Ally representative XXXX and that hasnt work. At this point I dont know what else to do, to get them to stop reporting the account as under dispute.

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 2022-04-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the collection agency and credit bureaus regarding fraud and identity theft on my accounts. No one will help. I placed credit freeze on all accounts in addition to complaints. 

{XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX} XXXX XXXX XXXX Opened XXXX {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a secured credit card with Capital One and constantly my payments has been put on hold for them for up 7 days even after opened a checking account with them thats clear the payment in 24hrs the fraud department still placing my credit limit availability on hold I belive because previous I had another account closed by the credit guarantor. My partner has a capital one credit card and this never happens for her every single payment after midnight the limit became available for use so I decided to closed this security account and now the bank has an amount of {$500.00} thats belong to me and is on hold. I want this money because is my money I dont give permission for them to hold my money for 60 up 90 days. I want this funds to be sent immediately to my checking account at Capital One or by Check is ridiculous this policy and I want my money back because more than 30 days has been passed since a closed this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Incorrect Personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent {$1100.00} to my parents in XXXX since XX/XX/2022. Money was not delivered. Been to the bank several times which proved abortive. Requesting for a refund to my account became problematic.Bank in XXXX contacted stated money was not delivered because of wrong account number by the originating bank.l need help to find where the money it.When the money was sent in XXXX there was a mistake in the account number written.

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 2022-04-08 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I never open this account. This account is fraudulent and I will like this remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been accessed numerous excessive overdraft fees. The fees have been charged even for transactions that were declined or not covered/paid. I am also advised per a phone call on XX/XX/08 at XXXX that this bank charges a {$36.00} overdraft fee every XXXX days when the account is overdrawn even if new transactions do not come through. This is in addition to a monthly maintenance fee as well. I have called to request a credit for fees they advised they give a credit for only fees every so often and that has already been given to me. Yes this was during the XXXX timespan. I have asked them to produce documents I signed asking them to allow transactions when the account funds are unavailable and they will not produce them. The hold times to get a rep on the phone for basic customer service exceed XXXX minutes every time you call then they do not help. This problem has come about only since the merge took place and the bank became Truist. I am on XXXX income. I work part-time and lost work time due to COVID I am still struggling and this bank has charged me hundreds upon hundreds of dollars in overdraft and account fees. They even charged a fee for a credit that was submitted to my account for a returned purchase. This bank needs to be investigated. They are absolutely violating laws with their practices. I will also contact attorneys about a class action lawsuit. I am happy tp provide copies of bank statements and other documents you need to process this complaint. This problem is big enough that bills have been presented to protect consumers from these very deceptive practices.

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 2022-04-08 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: The Outsource Group, Inc
State: NC

Complaint narrative:
Medicredit is double reporting medical debts. There are XXXX debts reported XX/XX/2022 for {$110.00}, {$120.00}, {$150.00}, {$170.00} The same amounts are again reported on XX/XX/2022. Now instead of XXXX collection accounts, I have XXXX. I have called the company and they are unable to give me an itemized bill for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC
State: NJ

Complaint narrative:
XXXX  XXXX offer to help me the problem was every time I call or the bank the manager was never available or on another phone call would not return my phone calls or talk to XXXX XXXXXXXX. Some one else answered the phone always some type of drama of trying to get help and they misled me to work with me and XXXX XXXXXXXX XXXX  did try reaching out to the manager it was a no show another person answer the call and mis guided or mis led information to XXXX XXXX XXXX and now the corporation has given me a call XX/XX/2022 telling me that I have to pay XXXX a month. Although the payments went from XXXX to XXXX and the interest rate is 139 %. I try all banks and try to trade it in no one is going to help me anyway the car does not run so I'm stuck and now I'm complaining because I gets phone calls and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Account shows late payment. This account has never been late.

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 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Incorrect Personal information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Incorrect Personal information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
My current balance is {$3700.00} ( credit limit of {$5000.00} ) with a minimum payment of {$300.00}. 

Their current Cardholder Agreement states " The minimum payment due each month will be an amount equal to 5.91 % of your highest outstanding new balance since your account was open or since your new balance was zero plus the greater of ( a ) any past due amount or ( b ) any amount by which your new balance exceeds your credit limit '' On the phone is was expressed to me that my minimum payment was based off an old balance of {$5000.00}. My balance exceeded my credit limit months ago and this no longer a NEW BALANCE. Their policy explicitly states a " NEW BALANCE '' is used in whatever the case. My minimum payment should be {$210.00} based off my " NEW balance '' since my account was open. This is a form of predatory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OH

Complaint narrative:
Situation : -I closed on my refinanced mortgage XX/XX/2021 and it was sold to Specialized Loan Servicing on/around XX/XX/2021 ( SLS ). 
- In the five months since SLS has serviced the loan they have failed the record the mortgage with my county. 
- In failing to legally record the mortgage I am unable to move forward with other financial processes. 
- I have tried reaching out to SLS via messenger and phone call. My phone calls were disconnected from the automated system multiple times. I am not able to reach a person to help with this issue. I have spent hours trying to reach this company and have not been able to get a response. 


Resolution : I need the mortgage legally recorded with the county 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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

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 2022-04-08 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: NJ

Complaint narrative:
XXXX Account Number XXXX This is appearing on my credit report with no validity. There isnt any amount that is showed to be owned, there are no terms. the only term is a XXXX loan. It has an adverse effect on my credit report with no details to confirm the debt, i.e. no amount, no dates, no details. 
The credit agencies claimed to have investigated the error but nothing was corrected. I still have no details to tell me what amount, when it was owed, time frame or anything of substance. Please have the credit agencies remove this from my credit report if they are unable to verify the information, if they are verifying it please send me the results of the investigation with amounts, time frame and all the details i need to do my own verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I am in the process of applying for XXXX while looking at my history summaries on XXXX XXXX  I noted incorrect information regarding loans while being serviced through Great Lakes. I called Great Lakes and asked for a status history in which I noted a forbearance XX/XX/XXXX to XX/XX/XXXX, an economic hardship for XX/XX/XXXX until XX/XX/XXXX as well as multiple " administrative forbearances ''. Also had XXXX consolidated loans and XXXX XXXX loans when I was transferred to Great Lakes but according to their records I have XXXX loans, but only sent a status history of XXXX when I requested XXXXI applied for income driven in XX/XX/XXXX, at that time my monthly payments were zero dollars and most recently pre pandemic I was paying roughly {$50.00} thru auto pay. When I spoke with a supervisor she stated my income driven plan was started in XX/XX/XXXX, according to her it starts when the paperwork is processed. That date is incorrect because my annual recertification is XX/XX/XXXX, as I initially applied in XXXX XXXX  XXXX. I have read about others having these types of inconsistencies with Great Lakes. They are capitalizing off borrowers ' student loans principal and interest from these tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I pay XXXX dollars a month only XXXX dollars is going towards The loan that is criminal to me italso seem that net credit takes advantage of people desperate. For financial help. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
Account Shows Late/Charge off/open. This account was never late. Currently have no open account. 

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: National Credit Systems,Inc.
State: MS

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

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureau allowed unverified and inaccurate information to be placed on my credit report after being notified on ( XXXX ) occasions of the inaccuracies. The credit bureau knowingly allowed creditors to report inaccurate information while being formally informed of the wrongful actions. After many attempts to rectify and work directly with the credit bureau to address the intentional acts to defame my financial character to potential business partners of whom use credit as a decision making factor in their offer determinations. I have been affected economically and mentally as a direct result of the inaccurate reporting of this credit bureau. The false reporting of this credit bureau during a pandemic prevented my qualification for assistance programs to provide relief during a severe hardship on the entire country.

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 2022-04-08 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: PA

Complaint narrative:
I noticed unauthorized inquiries on my report and noticed someone applied for something in my name. I contacted Trans Union along with XXXX and XXXX to notify them of this Fraud. In regards to Trans Union the accounts that I reference on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX on XXXX XXXX on XX/XX/XXXX. Ive contacted the companies as well as the credit bureau and would like to file an FTC report regarding this matter. Thank you for your attention in this matter.

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 2022-04-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2022-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
My account has been locked since Monday XX/XX/XXXX and I have called multiple times and havent spoken to anyone to get the issue cleared because I have been on hold for hours at a time. And when I have spoken to someone I always get let me transfer you and sorry I cant do anything on my end. I have no access to my money and no access to my account. Im completely locked out. And USAA has done nothing to fix the problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation