vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
Truist bank offered me a {$300.00} bonus for opening in account and having 2 deposits totally {$1000.00}. 
Within 90 days, social security took 75 days to make the first deposit. 
Social Security made a test deposit 30 days before that. Truist says that I do not qualify for the bonus. I believe this is false advertising and knowing that it takes At least seventy five days for the first deposit in social security which means it's impossible for me to have two automatic deposits within ninety days which is what their promo was for.

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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have inquiries I did not authorize and an incomplete address in a state I have never lived in on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: CA

Complaint narrative:
Filed my taxes thriugh chime banking to recieve it in my account with chime yet i still havent recieved my refund and my accoumts are with negitave balances

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Information in my credit report is inaccurate as well as information this company has on file for me. Which is causing me not to be able to open an account. And its making my life harder to get ahead without having a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: LA

Complaint narrative:
I disputed all the information that didnt belong to me and it has the wrong spelling of my name and address that does nto belong to 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I disputed all the information that didnt belong to me and it has the wrong spelling of my name and address that does nto belong to 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 explanation
Consumer complaint received 2024-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I applied for a car, I only gave the dealership permission to run my credit once. They ran it over 5 times which resulted in credit damage. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I no longer have an outstanding balance with credit acceptance and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks

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 2024-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have received repeated phone calls from midland credit management while being at work also at home during a time of prayer, midland credit management have threatened to sue and bring defamation towards my character. 

I have not given consent to midland credit management to have my non public personal information. 

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to Midland Credit Management, Midland Credit Management may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer. ( SEE ATTACHMENT )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 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:
This is my second notice of these inaccurate accounts on my credit report. I have requested documentation to fully verify these items but have not received anything. Per the FCRA, these invalidated accounts need to be deleted from my 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent letters to XXXX, XXXX and EQUIFAX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letters to EXPERIAN, XXXX and XXXX regarding the incorrect information on my credit report. There are accounts that are reporting 100 % inaccurate. I never received a response or resolution with any of the credit bureau regarding this matter. I will attached the letter to this complaint. More so they didn't follow the proper XXXX step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2024-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: NM

Complaint narrative:
Today is XX/XX/year> and I just received the debt collection letter from Receivable Management Group , Inc. dated XX/XX/year> ( with no post park to prove mailing date ), advising I could dispute until XX/XX/year>. I have never received a bill from the provider listed and I have not received anything from my insurance that this was submitted. In addition, the bill was reportedly occurred sometime between XXXX and XX/XX/year>. Less than 6 months yet this is the first I have heard of this. I believe this to be completely fraudulent claim.

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 2024-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XXXX we put our loan into forbearance. It was for just a few months. In XXXX of XXXX Freedom Mortgage asked for the normal payment plus the additional amount that we had in forbearance of {$10000.00}. The statement was showing a balance of {$340000.00} which I believe included the forbearance amount. We had an interest rate of 3.125 % on a XXXX fixed conventional mortgage. We purchased the home in XXXX and put 20 % down. Without Escrow/Impounds our payment on our XX/XX/XXXX statement was {$630.00} to principal and {$890.00} to interest for a total of {$1500.00}. We called Freedom Mortgage and said we were not in a position to pay back the lump sum of {$8300.00}. They said that was fine they would just do a loan modification and put it on the end of my loan, but our interest rate would increase to 5 %. I said no I do not want my interest rate to go up. They indicated that this was my only option if I could not give them the forbearance amount. I reluctantly signed the paperwork because I was led to believe that they were doing this in my best interest so they wouldn't take my house. I just applied for a Home Equity Line of Credit, and I was denied because they said I had a {$79000.00} second mortgage. After more investigation I have found that to keep my payment the same at a higher interest rate. They moved {$79000.00} to the end of the loan and pushed my mortgage out another XXXX XXXX and now my payments are per XX/XX/XXXX statement {$370.00} to principal and {$1100.00} to interest for a total of {$1500.00}. When I called last week they said, '' yeah but the $ XXXX is interest free ''. {$340000.00} X 3.125 % X XXXX  XXXX  = {$300000.00} in interest. {$340000.00} - {$79000.00} = {$260000.00} x 5 % x XXXX XXXX  = {$400000.00} in interest. For $ XXXX forbearance and a monthly savings of {$7.00} they convinced me to sign documents so they could earn another $ XXXX in interest. The $ XXXX being interest free is irrelevant they took advantage of us and now I don't know what to do. I may be forced to sell the house I love to get out from under this mess. We are in our XXXX this was to be our retirement home. My husband is terminally ill, and you can see by the current statement I am struggling to stay on top of everything. I need the line of credit for a debt consolidation so I can make the mortgage payment on time. I have paid late but never over 30 days. Please help what can I do??

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 2024-05-07 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: NC

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-07 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: AZ

Complaint narrative:
It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file.

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 2024-05-07 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: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it 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 non-monetary relief
Consumer complaint received 2024-05-07 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: TX

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it 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 2024-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: FL

Complaint narrative:
I just recently looked at my XXXX credit report XX/XX/2024. I saw some hard Inquiries that did not have permissible purpose. I also attached evidence XXXX XXXXXXXX XXXX XXXXXX/XX/2024 this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B XXXX XXXX XXXX XX/XX/2024 this inquiry has no permissible purpose to be on my report. delete this inquiry due to violation of 15 USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-08 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2024-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I opened a new loan with Kia Finance America for a new vehicle on XXXX XXXX XXXX 

Within the next few days I set up my account to autopay my loan payment every month. Because I want to pay the loan off early, I applied some extra each month above the required amount. The required amount is {$460.00}, I have set it to autopay {$500.00}. There is no option on the payment setup to allocate excess payment entirely to principal. I assumed that would happen without an option to specify otherwise. 

My first payment was drafted successfully on XX/XX/ in the amount of {$500.00}. The amount applied to principal was {$400.00} with {$99.00} applied to interest. This sounded about right so I did not check to see if my excess was entirely applied to principal. 

On XX/XX/2024 I had extra money in my savings account, so I made a one time payment of {$1500.00}. Again, there was no option to apply entirely to principal so I assumed it would apply that way. When I checked the payment the next day ( XXXX XXXX XXXX XXXX I could see that {$18.00} was applied to interest instead of entirely to principal. 

I called the lender and asked for an explanation and was told that instead of applying to principal entirely, any excess payment was partially credited towards next month 's interest as well. This reduces the effectiveness of paying early as a strategy and is not adequately disclosed to the consumer. Nor is the consumer given a choice in applying the payment as they wish at the time the payment is made. The representative I spoke with indicated this is a known problem that they receive many complaints about and that company was looking into it, however I can find posts on Reddit.com with other people stating they were told the same story as far back as 3 years ago. 

The representative said they would reprocess my payments to apply them correctly, however there is no way for me to make them continue to apply the entire excess to principal automatically and that I will have to call them every month if I wish to do that so they can reprocess the payment properly. 

It seems clear that this is an extremely anti-consumer tactic, and that many people would not notice it at all, while others may notice but forget to call regularly, resulting in the loan company making additional money off of consumers attempting to choose to pay off their loans on a more aggressive timeline to save money. The mortgage on my home allows me to pay excess entirely towards principal, as did every other loan I've ever had. 

Given the timeline of complaints online it does not seem they ever intend to add this option to their payment portal.

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 2024-05-07 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:
Transunion, XXXX, & XXXX continue to report incorrect information on my consumer file. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, FL XXXX should be no other names or addresses on my consumer file. My employer is XXXXXXXX XXXX XXXX  there should be no other employment information on my consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-05-07 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: TN

Complaint narrative:
I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.

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 2024-05-07 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: OH

Complaint narrative:
There was an unauthorized charge on my vanilla gift card. 

Amount : {$500.00}

Company response to consumer: Closed with explanation