vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Olson Associates PC
State: UT

Complaint narrative:
On XX/XX/2022, I received a court summons from Olson Shaner, XXXX XXXX  XXXX. This was the first communication I had ever had with Olson Shaner. I was never given any notice of debt or the opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: CA

Complaint narrative:
I want to write a compliant about Experian not taking into account the facts. 

I have tried to remedy this error five times with Experian and they keep responding with the same thing and not resolving the issue.

I have one account that has a 30 day past due payment that is inaccurate due to a processing error on the vendors site ( XXXX ). After many attempts I was finally able to connect with the vendor and we agreed to resolve the issue. Experian is still responding with a generic resolution and not actually resolving or even attempting to resolve the issue. I have sent screen shots to prove this was an error as well. 

My payment was accepted and then not accepted do to XXXX  error. The payment was late due to website errors.I called XXXX they agreed this was a payment portal error. Screenshots were provided. Experian should remove this / good standing always. thank you Please resolve and remove this from my credit report asap. I beg of you remove this erroneous delinquency because its simply not true. 

My original dispute remains unresolved. Please remove 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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The XXXX XXXX XXXX ending in XXXX has an incorrect balance.

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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The XXXX XXXX XXXX ending in XXXX has an incorrect balance.

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 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Finance of America Holdings LLC
State: PA

Complaint narrative:
Lender at Finance of America approved a loan for a buyer of my property. Lender inspected property and stated only contingency was putting in a railing before settlement date. Two weeks after the inspection and three weeks prior to settlement the lender determined the buyer 's credit was not suitable for the loan. Loan officer - NMLS # XXXX had mis-represented the buyer and lied to the seller. Credit history had not changed since the sale agreement. The loan officer should not have approved the mortage at the time the sale agreement was signed. Several real estate agents stated the lender did not understand the Mortage process and was the worst loan office they have ever dealt with in their 20 years in the Real Estate business. Loan office should not have a license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I can not cancel my XXXX XXXX XXXX XXXX credit card. I have called and emailed the credit card company directly requesting my account be closed. They do not answer calls, I was sent to an automated system and opted to cancel my account yet the account remains open. The company continues to charge {$2.00} account fees each month. I've contacted the business for which I got the card in the first place ( XXXX & XXXX ) and they said they can not help me and have nothing to do with the credit card company that they work with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22 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: IL

Complaint narrative:
I've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXXXXXX. and XXXX. and theirs also XXXX  XXXX  XXXX inquire.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not been able to obtain my credit report from Equifax since XX/XX/2022. When trying to retrieve and update it continues to say I have a blank file, and nothing is there. When I called Equifax, they asked me questions to verify my identity based on my Equifax history. When the customer service rep tried pulling my credit report, it said blank as well. They told me they will put a ticket in, and I will get an email in 72hrs when the glitch is fixed. Nothing has changed. I called again, and same thing. They will put in a ticket. Here it is months later, and still a blank file. I have multiple loans that have been reporting, and I just want to be able to pull my credit on my own again and apply for a loan without these ridiculous issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
I submitted extra funds to pay down my principal. In their wisdom/stupidity, Planet Home Lending applied the extra funds as an extra payment THEN to principal. It took 19 days, numerous phone calls, being disconnected and finally talking to a supervisor to get this resolved. 

I will now write a check each month and give them specific directions as to how to handle the overage. 

In the 35 years I have paid on mortgages, NEVER has a mortgage company handled extra funds this way, they have ALWAYS gone to principal. 

My time is worth something. I will never see remuneration from them for their error and my time wasted. I pray they sell my loan to a company that has processors with a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/2022 Credit reporting agencies were put on notice of fraudulent accounts & incorrect information on consumer reports

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 2022-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I purchased a vehicle in XX/XX/2022 and my existing vehicle loan was to be paid off by the dealer during the trade off. The loan was not paid off until XX/XX/2022 which resulting in late payments on my credit report. The loan is now paid off however it still shows that I made 5 late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed an unauthorized dispute for the merchant XXXX XXXX. USAA issued a credit to my account THEN allowed the merchant to debit my other account with USAA without my authorization. I believe the XXXX  Unit of USAA offset my other account as I never provided the merchant with the account numbers associated with my main account. 

I know in the past USAA has been fined by the CFPB and OCC due to their failure to protect consumers in the past. When I contacted USAA, they provided me the disclosure for debt collection as these transactions overdrew my account. USAA has failed to protect consumers in the past and failed to protect this consumer in the present. After being advised that this account could go into collections or other derogatory actions, I requested USAA to transfer the funds from my checking to my savings to bring the balance to XXXX  and have the account closed. I had no other option, they failed to protect me as a consumer. I had over XXXX  on the date of my call ; why would I want to pay OD fees for transactions of {$24.00} and {$26.00}? I think there was a mistake by USAA regarding my XXXX XXXX, but I will file a separate complaint regarding XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NJ

Complaint narrative:
I have several loans administered by EdFinancial. This includes direct federal loans ( accounts beginning with an " F '' ) and commercial loans ( accounts beginning with a " C '' ). In XXXX of this year I applied for federal direct consolidation of 2 of my commercials loans. This consolidation has been mishandled twice. While they fixed their first mistake, they refuse to fix their second mistake. The consolidation that I applied for consolidation of two of my commercial loans with balances of {$4700.00} and {$4500.00} respectively, with interest rates at 6.8 % ( the new consolidated direct loan was to have a balance of {$9300.00} with a 6.8 % interest rate ). I had several additional commercial loans that were not involved in the consolidation. The consolidation was approved on XX/XX/2022. 

The first mistake that EdFinancial made was that, when disbursing the payoff amount on the commercial loans, they distributed the money across all of my commercial loans, instead of the two loans that were to be consolidated. After several days of prodding, they finally admitted their mistake and re-disbursed the funds correctly. At this point, everything was OK. But, several weeks later ( XX/XX/2022 ), an additional {$2100.00} payment was mysteriously made on my remaining commercial loans ( those that were not included in the consolidation ). This balance was then added onto my consolidated federal loan bringing its balance to {$11000.00}. 

I never consented to additional loan consolidation beyond the {$9300.00} that I agreed to in my application. Moreover, a portion of the {$2100.00} in commercial loan principal that they moved from my commercial loans onto my direct consolidation loan had a lower interest rate of 6.0 %. By moving this principal to my direct consolidated loan, they effectively raised the interest rate on that portion of the principal by 0.8 %. 

The only correct response would be for them to remove this {$2100.00} from the consolidation loan ( as it was never part of the consolidation ) and to re-distribute it back onto the commercial loans where it belongs. However, I brought this up to the company and they opened an investigation, but later closed the investigation after about a month without informing me and without fixing this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: MD

Complaint narrative:
The XXXX XXXX account XXXX is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent Transunion a letter due to 10 fraudulent and unauthorized inquiries on my credit report. I placed a freeze on all three of the credit bureaus because of these and Transunion has yet to remove them.. 

Ive included the letter and a copy of the inquiries 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 2022-09-22 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I have no business with LVNV account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights.

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX  XXXX card ending in XXXX has the wrong balance.

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 2022-09-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX  XXXX card ending in XXXX has the wrong balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
CFPB Write up In accordance with the Fair Credit Reporting XXXX  XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-22 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax and XXXX reported my utilization rate changed from 5 % to 23 % by reporting a balance of {$1700.00} for a XXXX XXXX account. My balance for XXXX  XXXX was report as a zero $ balance for XXXX and XXXX. My score decreased XXXX points instead of it increasing and this is hurting my chances of homeownership. I mailed a letter to all bureaus and this issue has not been resolved. My credit card statement billing cycle did not end until XXXX and this balance was reported on XXXX before the billing cycle ended. The credit card was paid off prior to the billing cycle ending which is not supposed to happen. Please see attachements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
On XXXX XXXX2022 I received an alert from my credit monitoring services informing me that there was hard hit on my credit report from One Main Financial. I already have an account with them and there was no need for any type of inquiry. This will affect my credit negatively. 
I want this problem corrected immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
XXXX is engaged in a deceptive trade practice. They make it clear in their fee schedule that personal transactions between Paypal accounts are not assessed a fee, but the structure of their website deceives the user into sending a commercial transaction by default, where the recipient is charged a 3 % fee. Paypal tech support told me that I was fully informed that the transaction would be charged a fee, but when I went through the procedure to send money, the entire visible part of the webpage was filled with a dialog box instructing the user to select a payment source. Directly underneath that, and visible on the screen, was a " send '' button. Paypal says it was my responsibility to use the scroll bar to make the hidden part of the webpage ( above ) visible so that I could change the default value " commercial '' to " personal '' and thus avoid the fee. It seems obvious to me that this is a design feature, and that Paypal reaps extra fees through this process because of it. When I asked Paypal to cancel the transaction because of this obvious misunderstanding, I was told this was " not possible. '' I believe that Paypal is acting in bad faith, that they can't possibly be unaware of this misleading website structure. My browser was set at default magnification. 

I sent a test transaction of {$50.00} on XXXX/XXXX/2022 to make sure this process would work smoothly before doing a much larger transaction. I informed Paypal of the error and they refused to cancel the transaction. I contacted them by online chat and later by telephone.

Company response to consumer: Closed with monetary relief