vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-06 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: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: DISCOVER BANK
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: VA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Two months ago I paid a large payment IN ADDITION to my normal monthly payment as instructed by customer service. I called them in advance to determine how to make a payment to pay down my principal balance. Most personal loans I've had allow you to dictate where your extra payment goes. I specifically asked if I could pay down my principal, I just want it to go against principal - and the customer service agent stated that it would if I made it the same day as my normal payment ( which goes against interest and principal ). When I made the payment, my principal balance did indeed reflect the additional payment of {$750.00}. But a week later, I saw that NetCredit recalculated the payment split and showed only 300 going to principal. I reversed the payment and NetCredit showed my principal way higher than it was before I made the extra payment! That is not correct. I made my payments as agreed. Interest was already paid that was calculated at the beginning of the loan. My extra payment, paying more than {$400.00} in interest means that the next several payments, MORE should be applied to principal because I've paid at least 6 payments worth of interest in that {$400.00}. NetCredit did not agree and said, they determine the split and they determine how much goes to interest owed. 
Again, I NEVER paid the extra payment, NetCredit would not have received EXTRA interest paid. You can not charge me more interest than you would if I paid every month on time through the life of the loan. And you should not take advantage of a hard-working XXXX XXXX XXXX trying to better her credit and credit standing. I tried to request that NetCredit send me everything that showed how they calculated what goes to interest and what goes to principal each month and show me how my payments were distributed. They first sent me gibberish, and then they finally sent me the amortization schedule. But the amortization schedule DOES NOT match the actual payment schedule. Nor do the principal balances on both documents match and they should! I also have the right to pay toward principal only and not pay the company additional interest they are not entitled to earn off of a " PRINCIPAL ONLY '' payment! 
This type of process is predatory in nature and does not allow the consumer/borrower in good faith to pay this loan earlier. Period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I made a card payment on a Thursday via ACH. It cleared my bank the next day. Checked card it had not cleared the payment. Decided to wait until after the weekend. Wednesday the balance still had not been reduced. I called in the first person told me they couldn't apply the payment. I asked for an escalation. Happy to provide proof that the payment had cleared. They stated they knew it had cleared, but that I would need to wait an additional six days for it to clear because I had added a new account. This was in no way stated while adding the new account nor when making the payment. I inquired if I would be credited for the interest they would be earning on my money. I was informed I would not. So I closed the account. Extremely poor communication and customer service. I've spent ten years in the industry and that is some of the worst policy making I've ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I previously opened a claim that was hastily closed with a vague response. No evidence of their investigation. Truist sent a letter stating the transactions were authorized- vague as before. We have called esurance and they can not pull up anything by her name. I tried to give them the old debit card number to search, since I dont know WHO is using the card, and they referred us BACK to Truist-who failed to stop the last debit from this merchant from the account when the INITIAL dispute was opened. The representative that reached out via email was shrewd. Im trying to figure out HOW you do an investigation without speaking to anyone! We need records so that we can appropriately dispute this claim with the merchant SINCE TRUIST REFUSES TO DO THEIR JOB. 

The company did not research this claim. If they did, documentation was not provided. XXXX has verified that there is not an account in my name at all. I even had them check for my kids names and nothing. So where is my money going? How can I authorize a transaction, a recurring one at that, and not even know who the person benefiting from it is??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am a vendor for the Federal CJA in the XXXX XXXX XXXX Pennsylvania. I am paid through U.S. Treasury Company name / BofA business checking account info/ EIN number are all attached. 

Friday XX/XX/2023 - I made a mobile deposit of 6 checks ( images attached ). Each check has an accompanying voucher number/case number/client name etc. ( images attached ) Monday XX/XX/2023 - My Account was closed - no reason given Spoke to " Risk Management Dept. '' 4 times over the a few weeks. I was told they are verifying the checks. 

XX/XX/2023 - Received letter ( attached ) and refund check for {$970.00} ( attached ) from BofA XXXX- I was transferred to the Check Fraud Dept. '' I was told that Hold Harmless Dept. has decided not to release my paychecks back to me.

One or two calls later, I was told that the matter was transferred to the " back office '' at Bank of America and no agent on the phone could give me any more information after that point. 

I have uploaded a PDF file with all the necessary information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights un 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: MI

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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Penn Credit Corporation
State: FL

Complaint narrative:
On or about XX/XX/2023, I sent a certified letter to Penn Credit Corporation/ XXXX XXXX XXXX XXXX XXXX Account : XXXX Balance : {$300.00}, to validate the debt, to no avail has the debt been validated by Penn Credit Corporation , and or the findings has not been forwarded to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: AES/PHEAA
State: FL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: EQUIFAX, INC.
State: GA

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 15 USC 1681. 

Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : 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 XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: Colony Brands, Inc.
State: FL

Complaint narrative:
I disputed information on my credit report regarding XXXX XXXX to XXXX, XXXX, and XXXX. XXXX is the only reporting agency that refuses to change and increase my credit score. 

XXXX was provided information and supporting documentation the same as XXXX and XXXX regarding this dispute. In the past I have had issues with XXXX tarnishing my credit report with their refusal to make change to certain consumers report. This is very unfair. I feel XXXX needs to be investigated for their unfair and biased practices. 

I truly feel that XXXX XXXX is using XXXX to unfairly push their unfair agenda to tarnish consumers credit scores and to push their unfair practices to violate consumers and the fair credit reporting act. As stated before, from past experiences XXXX is not receptive to consumers complaints and disputes. It is very rare that XXXX cooperate fairly with consumer dispute for fair resolution. This is very unfair to consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In the pandemic, wells fargo advised me not to pay my mortgage, because they were putting it in forbearance.When it was time to resume payments, they offered me mortgage assistance, {$830.00} XXXX. I paid on time and in full every month until one day they returned my check to me, saying they reneged on the mortgage assistance because they were missing a document. Since then, I have payed the full payment on time every month. {$940.00}, {$920.00} I am in receipt of an intent to foreclose letter XXXX XXXX, out of the blue. I have had many correspondences with them trying to get a payment reduction.I am the co-borrower. My estranged husband is the borrower and his whereabouts are unknown.Wells fargo repeatedly demanded his signatures and refused to acknowledge his warrants and disappearance.I am a XXXX XXXX XXXX XXXX XXXX and I live in my home with my XXXX  children, who are adult XXXX XXXX XXXX XXXXWells fargo has no grounds for foreclosure. I have complied with all their demands and I pay my mortgage.Thank you for your time to save our home. 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 2023-09-06 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: AR

Complaint narrative:
I previously sent letters to Experian, XXXX, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct. 

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court. 

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately. 

I have also attached the information as it appears on my consumer report. 

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MO

Complaint narrative:
Federal Rules of Bankruptcy XXXX XXXX and XXXX for more detail on the Clerk 's duties to keep records and privacy protections for those records. Unless your bankruptcy case records are sealed or contain information subject to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO BANK NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have made several attempts at trying to contact and get the copy of the car loan title from BMO Harris bank, to register my car in the state of Georgia. The state of Georgia will not register the car without it. I make my payments, Ive updated my address, called several times and each time they say its processing with false promises. Its been frustrating how I pay my payments and they cant provide this document for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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