vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/2023 I sent a dispute CERTIFIED MAIL. It shows you have received it yet you have not provided me any results nor removed the items requested. Im preparing my legal case and these accounts MUST BE REMOVED due to violating my FCRA and consumer laws of no response and stalling on removals. XXXXXXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX Account : XXXXXXXX XXXX XXXXXXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. 

I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. 

Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. 

I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. 

I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate.

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 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Multiple times my auto draft payment has been taken out of my account days earlier than the scheduled draft date causing my personal account to overdraft due to insufficient funds. I have screen shots of this as well as bank statements that show this. In addition they pre-date these drafts so the record of it on the bank statement shows the correct draft date even though they took the funds two days prior. When I contacted them multiple times I was told its because draft date is on the weekend and not a business day. Todays proof is irrefutable because todays date as I file this is Saturday XX/XX/XXXX  and my auto draft payment is supposed to come out Monday XX/XX/24 but has already been withdrawn today causing me an overdraft and showing in my account as a transaction date of Monday XX/XX/24.

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 2024-01-27 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: WI

Complaint narrative:
In ordinance to the fair recording act, the creditors have violating my rights under 15 US C 16, 18 section 602 state I have the right to privacy. Also, 15 US C 16, 81 section 604A section 2, states a consumer reporting agency can not furnish an account without my written instruction, under 15 US C 1666 B accreditor may not treat a payment under a credit card account under an open consumer credit plan 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 2024-01-27 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: VI

Complaint narrative:
I initiated a dispute for two in accurate information of my credit report with two counts. 

XXXX XXXX XXXX This account is not past due and has been paid up to date. They updated after my request to show XXXX from XXXX XXXX  reported this and it should be deleted off my credit report. 
XXXX XXXX Also reported as a charge off account when it's been paid off and ok times. This was worked and agreeed, I requested a copy of the contract signed by myself and was not given to me. This should also be deleted off 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 2024-01-27 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: IN

Complaint narrative:
EdFinancial is the company who has my loan. I am on an income driven repayment plan. I have made all of my payments on time since i needed to start paying. However, nearly half of my payments have been cancelled, reversed, or otherwise not gone through. I contacted my bank and I was told that they are not cancelling the transactions. I know my account and routing number are correct, as i have had payments go through and be pulled from my account.

I emailed EdFinancial inquiring about this. I am now 3 payments behind despite attempting to pay my balance numerous times over the course of the past few months. I am now about to be go into delinquency, due to EdFinancial not knowing how to run a website. I shouldnt have to worry about my wages getting garnished due to a company 's issues. PLEASE help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My payment history is incorrect and 100 % inaccurate.This is a violation. I was never late and this account is reporting charge off every month and year. This account is reporting illegal information that is unverifiable. If this account is a charge-off why i haven't received a 1099c form, and why the account is not reporting paid in full or less. 15 usc 1601 ( a ) inform use of credit ( b ). YOUR company misconduct and violate my rights with negligence 15usc1681 ( e ) ( b ) compliance and procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I demand to see verifiable proof with my name sign on a contract. By FCRA law any Unverifiable account need to be deleted. 

XXXX XXXX Date opened XX/XX/2016 Balance {$6000.00} Status Account charged off. {$6000.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2.

The Fair Credit Billing Act ( FCBA ), WHEN THERE IS A BILLING ERROR and my payment history is inaccurate/ unverifiable/ Non compliance The Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. There are no equal rights at all.

This account does not Meet all requirements of the Fair Credit Reporting Act ( FCRA ), THIS IS WILLFUL NON COMPLIANCE TO REPORT 100 % accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. My payment history is incorrect and 100 % inaccurate.This is a violation. I was never late and this account is reporting charge off every month and year. This account is reporting illegal information that is unverifiable. If this account is a charge-off why i haven't received a 1099c form, and why the account is not reporting paid in full or less. 15 usc 1601 ( a ) inform use of credit ( b ). YOUR company misconduct and violate my rights with negligence 15usc1681 ( e ) ( b ) compliance and procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I demand to see verifiable proof with my name sign on a contract. By FCRA law any Unverifiable account need to be deleted. 

XXXX XXXX Date opened XX/XX/2016 Balance {$6000.00} Status Account charged off. {$6000.00} 15 U.S.C. 1681s-2 ( A ) ( 1 ) 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2.

The Fair Credit Billing Act ( FCBA ), WHEN THERE IS A BILLING ERROR and my payment history is inaccurate/ unverifiable/ Non compliance The Equal Credit Opportunity Act ( ECOA ) and all applicable state laws. There are no equal rights at all.

This account does not Meet all requirements of the Fair Credit Reporting Act ( FCRA ), THIS IS WILLFUL NON COMPLIANCE TO REPORT 100 % accuracy.

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 2024-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I originally opened a credit card account with First National Bank of Omaha more than 10 years ago, but due to financial hardships, I could not afford to make payments anymore, and the account was closed around XXXX or XXXX. The debt was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX. I received a letter from this law firm stating that I owe them a total of {$11000.00}. I attempted to contact them by writing a letter asking for the original contract from First National Bank of Omaha, the amount owed at the time the account was closed, and the date the account was closed. This law firm never responded to my request. Instead, they received a judgment from the Levying officer, Sheriffs Department XXXX XXXX, and attempted to withdraw {$11000.00} from my XXXX XXXX joint mortgage checking account I have with my Wife in XXXX. My bank denied their request for the total amount, but did grant a withdrawal of {$580.00} from this account. I scheduled a court date to have a claim of exemption because I could not afford to pay the amount they say I owe to due a financial hardship. During this appearance, I told the court this, and also told the court that I mailed a letter to the law firm requesting for information pertaining to this debt but did not receive a response. The law firm told the court they never received my letter ( I still have a copy of the letter as well as the reciept and post post marked date the letter was mailed ). Therefore, the judge denied my claim of exemption. As a result of this, my Wife and I had to cancel our XXXX XXXX mortgage account, for fear that the law firm would take out more money which would have prevented us from paying our mortgage, and ultimately causing our mortgage to go into default. 

Most recently, I was notified from my current employer in XXXX of XXXX that the Levying officer of XXXX received a judgment from the court to garnish my wages effectively immediately, and now 20 % of my bi-weekly wages are being garnished, which has really put me into an even deeper financial hardship. I can not afford a lawyer to represent me, and my hope is that the CFPB can look into my situation and help me determine if the debt amount is valid of not. Thank you,

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 2024-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX  XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail " review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, " She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated 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 monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: KEYCORP
State: OH

Complaint narrative:
KeyBank out of the blue restricted my access to then closed three of my checking account and two savings accounts with my funds in them. I was told I need you to come verify my identification and could only verify it in the branch even though I am XXXX, and have a hard time leaving my home. I made an appointment with the branch manager and managed to make it into the branch. I provided all of my identification and at that time I was told them my accounts were frozen by the fraud department. I let the branch manager know that I was a victim of identity theft, and had previously placed fraud alerts on some of my Credit profiles but that should have not been a reason for closing my accounts months after opening them. The branch manager said that he can not see a reason why the fraud department froze my accounts, and he gave them a call right in front of me but the fraud department had no reason on file as to why my accounts were frozen. However, the branch manager short me that he will work on it and let me know the outcome because I had committed no fraud and was actually a victim of identity theft. He also let me know that he could not see any fraud that I had committed either. I stress to him how urgent it was to fix this because I was also waiting on my direct deposit from my taxes. 
I left the brunch that day in hopes that everything will get worked out. Nonetheless KeyBank ended up seizing all the funds in the accounts, closing the accounts, rejecting my tax return and reporting me to XXXX XXXX  and XXXX XXXX XXXX as committing fraud. I can't believe that they actually did this to me and I did nothing wrong at all. I was assured that everything will be taken care of. I had to go without any money because of my bank accounts and the funds was seized. I had to have my income tax rejected and sent back. Now I am on XXXX XXXX XXXX XXXX XXXX XXXX  as committing fraud with KeyBank. XXXX XXXX should never take advantage of a customer this way. I suffered enough damage as it is being a victim of identity. Now I am being accused of fraud after my money was seized from KeyBank, and nothing was ever returned. Consumers have rights that shouldn't be violated by banks. The whole experience has just been horrible..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank took over a Dell store payment system, but cancelled my scheduled autopay on the account, charging fees, reporting negative credit reports, and harassing me. They do not allow you to set up an auto payment over the phone, so they just continue charging fees on the account. They are crooks. They need to make it easy to start an online account or allow auto payments over the phone!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-27 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: IN

Complaint narrative:
To whom it may concern, I spoke with a representative name XXXX from Equifax Reporting Agency on XX/XX/XXXX at XXXX XXXX. After XXXX verified my Identity, she asked me what the problem I was having? I told her that I could not access my credit report due to the international block that Equifax placed on my credit file. XXXX said that I did not send in the proper documentation to get it removed. I said yes I did, four different times since XXXX of XXXX. XXXX called me a liar.I said I don't have to lie. I'm trying to correct what is wrong on my credit report. She didn't want to hear it because she muted me. She unmuted me after 3 minutes and I said " the reason I have a international block on my credit report is because I am correcting what is wrong on my credit report. I can not get housing for my family due to Equifax has a block on my credit report. XXXX said that Equifax sent me a paper copy of my credit report to me, which I never received. I told her I am trying to access the online portal to monitor my credit report myself. This is a violation of my consumer rights under the FCRA law. Federal and State laws overrides company rules. Equifax is not adhering to the FCRA laws. The representative XXXX of Equifax apologized to me back in XX/XX/XXXX for the internal block on my credit report because I couldn't access their portal, he said Equifax has the proper documentation from me and it should remove within 5days. Still on my credit report. XXXX was very unprofessional. Equifax refuses to allow me access to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
I am writing to address a matter of concern regarding the frequency of phone calls I have been receiving from OneMain Financial. While I understand the importance of communication, I believe the number of calls I have received recently is excessive and has become disruptive to my daily activities. 

Since XX/XX/2024 I have received 17 calls. Per The Fair Debt Collection Practices Act FDCPA Placing a telephone call includes telephone calls that the debt collector makes and that go into voicemail. In addition, The Debt Collection Rule is presumed to violate the law if they place a telephone call to you about a particular debt more than seven times within a seven-day period. 

XX/XX/2024 Saturday - XXXX XX/XX/2024 Friday - XXXX, XXXX, XXXX, XXXX XX/XX/2024 Thursday- XXXX, XXXX, XXXX XX/XX/2024 Wednesday- XXXX, XXXX, XXXX, XXXX XX/XX/2024 Tuesday- XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Monday- XXXX, XXXX Also, XXXX texted me on XX/XX/XXXX and stated I need to have a payment of XXXX which is a half payment. I responded that I could gather as much as I could by XX/XX/2024. She responded that it has to be the full XXXX or she won't be able to process the payment. I responded. It is not XX/XX/XXXX and I have received 17 calls in regards to this matter. My account is notated that I am facing financial hardship and I am still harassed in regards to my payment. 

When I speak to the staff at One Main you speak to the initial person who calls you, then they transfer you over to a " branch manager '' who then does not know why you are transferred over so you have to explain your financial hardship over and over. I feel humiliated and embarrassed every time I have to explain my situation. Before this hardship I made it on time payments and had a stable income. I worked for 8 years with one employer. 
I've also seen that complaint # XXXX experienced a similar issue of frequent calls and being transferred over to a branch manager. 
The staff is polite when you speak with someone. If you do not take their call they will call you repeatedly.

Company response to consumer: Closed with explanation