vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX a cashier check of {$2100.00} was sent to XXXX XXXX XXXX  ( dba Mr. Cooper ) to cover my homeowners escrow shortage on my mortgage ( they cashed the check on XX/XX/XXXX ). To date this check has not been posted to my escrow account. Multiple attempts have been made via telephone with Mr. Cooper but each rep provides differing responses. They continue to lie and say the issue is resolved and the money will be posted within 24 hrs and the difference would be refunded as well as a reduction in my monthly mortgage payment. 
# XXXX. I switched insurance providers so the annual policy went from {$2700.00} ( XXXX ) to {$1600.00} ( XXXX ). Difference of {$1100.00}. I was promised this difference. 
# XXXX. My mortgage escrow payment should be applied to my account and my mortgage should remain unchanged XXXX reduced accordingly, however they are now billing me an increase of {$98.00} on my monthly mortgage. ( for periods XX/XX/XXXX XX/XX/XXXX ) I want the payment of {$2100.00} reflected in my insurance escrow. I then want monthly Mortgage payment reduced accordingly as there is no escrow shortage BUT an overage. I finally want any excess escrow overage refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
OportunXXXX credit card charged me " late fees '' on an account that I paid off and closed on XX/XX/2023. I paid my balance and requested an account closure. Several months later they begin to call and harass me to tell me that I owe then {$140.00} in late fees. But when I try to access my account online my account no longer exists. Or when I ask them my account status they told me I didn't have account. I asked for written proof that I owed the amount they sent me a standard billing statement. I have denied the charge and explained that I close the account on XX/XX/XXXX asking for my full balance from their representative. I paid the amount they said. But they insist that I still owe the charge. If I owed the late fee why wasn't I sent a bill for it? Why did they wait several months allowing late fees to be added to the existing late fee? 
When viewing the information on my credit report is says the account was closed XX/XX/XXXX XXXX. Why was it left open for a month after I requested account closure? I have tried to dispute it through the credit bureaus to no avail, Since they have reported it " charged off as a bad debt '' effecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate.

Please remove this from my credit report. I will attach my clear title with no lien to this 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX Installment with account # XXXX opened on XX/XX/year> and a balance of {$23000.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

This account is false. This car has no lien and I do not owe anyone for this car. These false payments and missed payments are not accurate.

Please remove this from my credit report. I will attach my clear title with no lien to this 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 explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
The statement with the masked account number and credit card arrived on the due date. Checked mail at XXXX XXXX XXXXXXXX and paid within XXXX hours on the due date. I was charged a {$30.00} late fee because the payment was XXXX hours late of an arbitrary cut-off. It is impossible to pay the bill without a statement or credit card. I contacted customer service and was alerted to the fact that I did not receive the card or statement until the actual due date. I was informed they would only waive {$15.00} of the fee. I escalated through three representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I found errors on my credit report showing unpaid loans, leading to my car loan application being denied.

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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX # XXXX INACCURATE LATE PAYMENT REORT REPORTING TO MY CREDIT REPORT FOR XX/XX/20XXXX 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Solidus Group LLC.
State: HI

Complaint narrative:
i apply for job online a company name XXXX XXXX, through email i been asking my information including ssn id sign w-4, i been victim of scam and identify fraud the reason why my application was deny to apply for a job. please help me to resolve this fraud identity. thank you very much.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan requests are being declined due to incorrect credit records. Despite fulfilling all my financial obligations, these inaccuracies have impacted my ability to secure loans and caused significant frustration.

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 2024-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
WSFS claimed they I did not pay a monthly payment. I sent them proof that it was paid through my bank. I contacted them over 8 times. I even went to the local branch but nothing was resolved. They will not help me and I provided them with the electronic confirmation that they took the money from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Issues with my Apple credit card, Goldman Sachs Bank USA.

Dollar amount : The dollar amount of the suspected error ; {$960.00} Description of Problem : 1- On XX/XX/year>, my card balance was {$1100.00} and I have paid this amount in XX/XX/year>. 
So by paying {$1100.00}, my balance as it been shown on my end at the time was ( - {$500.00} ) until XX/XX/year> and the balance amount has changed from ( - {$500.00} ) to ( {$1400.00} ). My statement of XX/XX/year> stated that the total charges, credits and returns is only ( {$100.00}. ) The statement does not say how the balance has changed exactly from ( - {$500.00} ) to ( {$1400.00} ). 

2- I tried to get clarification with all the details regarding the payment on XXXX XXXX XXXX with the amount of {$1100.00}, and what did I paid for or how the money has split exactly, because the statements of XXXX and XXXX is not clear any the numbers dose not match, but I did not receive any response until today. 

XXXX Furthermore, my current installment balance it says : total paid amount is {$790.00} and the total remaining amount is {$500.00} since XXXX XXXX XXXX. 
However, in XXXX XXXX XXXX, you have charged me {$54.00}. Also in XX/XX/year> you have charged me {$54.00} but non of these charges reflected on the installment until today. 

XXXX I have tried to get clarification with all the details regarding the adjustment reversal on XX/XX/year> and the adjustment on XXXX XXXX, and the Cash Back redemption ( REVERSAL ) on XXXX XXXX. ( note : I dont recognize any cash back redemption on this date with this amount ). However, the bank did not respond to my letter until today. 

XXXX I have tried since XX/XX/XXXX until XX/XX/XXXX to get answers or to have the issue fixed, but unfortunately, I have wasted more than 36 hours of my life by talking to the bank customer service and specialists by the phone, which each one of them told me different things, and opened many cases and after all, the issues still exist and no solution. I have sent a letter by mail, which the bank have received in XXXX XXXX, but I have not received from the bank any response to my letter, and my issue still exists and have not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TN

Complaint narrative:
Ambulance bill payed by XXXX  is still being recycled as debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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!

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-02 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 account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 in months that are reported late to be removed.

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my 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 2024-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-02 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: AL

Complaint narrative:
I have been sending FTC Reports from identity theft website and Transunion will always make a excuse to why they cant remove the Accounts that listed on my credit report ( like sayin the FTC report ) is invalid when they remove the hard inquiries that was listed but didnt remove the account also today XX/XX/year> I called to try to speak to either a supervisor or a US Representative and 2 agents answered the phone one name XXXX and the other name XXXX XXXX wouldnt transfer my call they said they doesnt have the option to transfer me and hung up in my face very rudely. Transunion is very corrupt. I been sending them FTC report that came off the website and them been telling me for 2 years now that the valid FTC report that I sent is not valid they constantly making excuse I also just spoke to a supervisor from transunion who name is XXXX and he told me that the federal trade commission documents that I sent in was invalid also I been trying to get these accounts remove for 2years now and they telling me the same thing These accounts that on my Transunion Credit report is not on XXXX XXXX XXXX and thats why Transunion is being sued from FCRA and CFPB that have Fradulent information reporting on people credit and they want investigated or remove the items I have a attorney involved im taking legal actions I had enough

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 2024-07-02 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2024-07-02 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: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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