vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was at work on XX/XX/ when I started getting alerts from credit monitoring services I subscribe to and complimentary monitoring services from other credit card providers. 
My credit files were suppose to frozen, so I was shocked. Evidently I either forgot to freeze one of them or I inadvertently unfroze one of them, turned out to be Transunion. 
I called Transunion and they said call the XXXX XXXX and XXXX XXXX. I called and was told no consumer accounts were issues in relation to the inquiries. 
My personal information was compromised in ( 3 ) different data breaches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I monitor my credit fairly closely.

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 2023-11-07 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: EQUIFAX, INC.
State: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: WY

Complaint narrative:
Experian.com lists my student loans twice, doubling the amount owed. When I disputed this, they added a false monthly payment amount of nearly {$500.00} while no payment is due. I have uploaded my current account statement showing no monthly payment.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XX/XX/ interest was XXXX XXXX Interest is XXXX some XXXX  have the same remaining balance I paid over XXXXXXXX XXXX I dont have warranty USA auto sales closed down westlake management took over we dont have a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have had a credit card for 7 years with Bank of America. A few months ago, my financial situation reversed and I started experiencing financial hardship. All my credit and loan accounts were notified. 
The rest of my credit cards ( {$12000.00} and {$15000.00} respectively ) are at 99 % utilization and behave as expected, you pay the minimum and the monthly payment goes down. This is not happening with Bank of America. My auto pay is set for the XXXX  of every month and has been since I opened the card. In the last three months, the payment for the XXXX doesn't process on time, so the card keeps assessing a late fee on the XXXX, rolls in the financing fees for the next cycle on the XXXX  and then processes the payment on the XXXX. This is the XXXX  month this has occurred in a row. I have reached out to them 3 times to fix this because the payments keep increasing. This month the payment is {$33.00} over the sum of its parts. 

{$100.00} was due on the XXXX. 
+ {$35.00} late fee assessed the XXXX, which they claim was not assessed. 
+ {$160.00} finance charge assessed on the XXXX. 
The total amount should be according to what thier customer service rep told me, {$260.00}, not {$330.00}. 
I can upload photos taken today on my Bank of America app with proof they lied to me on the phone telling me that it processed on time and I wasn't assessed a late fee. If that was true it would have not included the next cycle 's finance charges in my payment which is currently being processed today, XX/XX/. It would have processed on XX/XX/XXXX and posted to the app on XX/XX/XXXX. Leaving the new cycle 's finance charge to be paid on XX/XX/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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I believe that Chase is inflating credit card balances. I monitor my balances very closely, pay regularly and keep it at around {$500.00}. With this particular card, I stopped using it for a few days to test this out, and on Sunday paid a large sum so that the balance came back down to around {$500.00}. Specifically, this past Sunday XX/XX/XXXX my balance was {$2500.00}. I paid {$2000.00}. On Monday after the payment was processed the balance was {$620.00} dollars and there was only a new charge of {$53.00}. Every other charge was was older, had already been included in the {$2500.00} balance and there were no pending charges. Still the numbers dont add up. Today the balance is {$670.00} and there are no new charges. Small increments, yet I cant tie them to any charge. 

This happens regularly. Perhaps people dont notice and when they do l, Chase always chalks it up to in transit or pending charges. There are none of those in this example. Whatever was on the balance was already reflected and stated. Ill say it again, theres nothing new charged on the card. 

This is concerning and you should look into it. If true, the scale of fraud would be immense, and this has happened before at other banks as you know. 

I truly hope you are a serious agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. 15 U.S. Code 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than 4 business days after the date of receipt. 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: MS

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 XXXX XXXX  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 2023-11-07 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: MS

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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I've been calling since XXXX to be placed on 2 hour holds. I can't hold for 2 hours so I choose to email. Their site says a response in 3 days that was over 10 days ago. My last email was again today. I am getting no help getting on the right plan or questions answered about public service forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: VA

Complaint narrative:
Employee told me, the customer, that the store card came with a no-interest, promotional financing plan when, in fact, the plan charged monthly financing fees. I eventually found out about the applications only after receiving a card. 
Im aware that XXXX XXXX was slapped with {$11.00} XXXX penalty for shady store card practices back in XXXX. They are doing the same thing now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
My Apple Card was merged with my wife 's Apple Card thereby increasing our combined credit limit to {$12000.00}. This was done three weeks ago and the prompts from the phone said that it would be done in a few hours. Both accounts were finally merged on the XXXX XX/XX/XXXX but the available credit is inaccurate. It reads that the credit available is {$2.00}. The credit balance is XXXX. By my estimates, available credit should be {$1100.00}. I have reached out to Goldman Sachs numerous times to correct this over the past three weeks and they have not - closing out my complaints with no response. My other issue is that I had my Apple Card in my wallet on my XXXX and since the merger I have not been able to re-add my Apple Card to my wallet in my XXXX. I have also mentioned this in the complaint and again, Apple Card Goldman Sachs have closed out my complaint with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NY

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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
The company cash advance system is Rigged! I applied for an advance XXXX weeks ago for {$400.00} and paid it a day early. It is still processing to settle. The website states that it could take up to 5 days. The advance paydate was XX/XX/. I paid it XX/XX/XXXX XXXX XXXX I have multiple tickets open and still haven't heard anything I was told that i would get reimbursed 3 months credit worth of membership fees. However, I am still getting charged. Nothing anyone says that works there is true.I even read the reviews and noticed that a simular situation happened with another member back in XX/XX/XXXX XXXX They are reporting to the credit bureau that the payment is late. This is False!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I spoke with XXXX  at transunion at XXXX informing her that my online access was blocked. On XX/XX/XXXX I spoke with XXXX through live that at XXXX and informed her that my online access has been blocked. On XX/XX/XXXX I spoke with XXXX at XXXXXXXX XXXX informing her that my online access has been blocked. I was told by XXXX on the XXXX that a supervisor was being notified and should reach out. I was told on the XXXX that an internal team was handling it. Still no access to my credit report, or dispute process. It is now XXXX the XXXX. I am asking that Transunion comply with the law, discontinue discrimination against me, stop causing me further financial harm and provide me with the same rights and access as stated in your website about all consumers

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 2023-11-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
I have disputed the information with transunion from the florida department of revenue. They are still reporting this error. In fact the letter states there they will direct the payments 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 2023-11-07 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
During COVID my wife lost her job and we couldn't pay the mortgage. We went into a temporary forbearance and then we got switched to a different servicer for our loan. They thought we were just not paying and treated us like that. Over the last year, we have been able to pay the mortgage and have paid it. They still think we can't pay for some reason and are pushing foreclosure and will not offer any other option. We can pay, will pay and will be staying in our home. Our actual lender ( XXXX XXXX ) who holds the loan wants us to be able to stay in our house and pay them off. SPS is simply just trying to foreclose. This is all from COVID time. We are now able to pay and want to find a way that works for both parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IA

Complaint narrative:
I have been making my payments on time every month to Edfinancial. Whenever I submit the payment, it sends me a payment confirmation and also takes it out of my bank account. Each time I pay, the next day it tells me I have a late fee of the same amount as my loan payment initially was and takes money out of my account AGAIN. I donr understand what's going on, they are impossible to get ahold of. The last time I got ahold of them, I was on hold for 4+ hours ... .and they told me I failed to select each loan ( but I know for a fact they were all selected ). Please, I am looking for answers. I am tired of getting money taken away from me when I am being responsible and making my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
See document attached

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 2023-11-07 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: TX

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is 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 explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See document attached

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