vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 8 separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

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 2024-04-15 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:
Bank of America makes it impossible to go on autopay. I am on auto pay for all my credit cards except this one I couldnt figure out. I read directions and buttons that they say are there in the directions arent there for me. I tried calling and still couldnt figure it out and they refused to do it over the phone. I ended up missing a payment so I called and told them I wanted to pay my entire card and CLOSE the account and I never wanted to hear from them again. The following month I get an email saying I had to pay my card. I thought it was a mistake since I paid and closed my card. The next month I get another email. I go on the app and theres nothing there. Looks like a closed case. Third month ( XXXX ) I get an email saying my credit score went down XXXX points because of {$30.00} from Bank of America!! Are you kidding! I called them and they said it was interest that was put on AFTER I CLOSED MY CARD! This is ridiculous. They refused to do anything for me. I paid and told them Im reporting them and I dont ever want to be contacted again. Well, last night or this morning technically I get an email from Bank of America at XXXX about my fico score! I actually got a law suit email from XXXX I think if people ever received emails in the middle of the night. This company is insane. They make it difficult for people to use autopay to generate fees. I should not have to pay a fee after I paid my balance. This company is a scam

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 2024-04-14 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: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have reached out to XXXX, XXXX, & XXXX and told them I have noticed unauthorized hard inquiries on my credit report thats Im not aware of. I have already mail in my letter to all credit bureau and not they saying for me to do a FTC Report. The hard inquiries are from XXXX Im not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: UT

Complaint narrative:
In XX/XX/2023, I made a {$3000.00} payment from my bank to my student loans ( posted XX/XX/2023 ). The loans are serviced by EDFinancial ( edfinancial.studentaid.gov ). 

According to their website they would apply the amount first to the loans with the highest interest rate up to the amount owed, then to all subsequent loans following the same process. The exact policy is detailed here : https : //edfinancial.studentaid.gov/help-center/how-payments-are-applied However, they completely ignored their own policy and applied the entire {$3000.00} payment to a loan with a lower interest rate and a lower account balance. This resulted in the loan being overpaid by {$930.00} on XX/XX/2023. 

I contacted them within the same month ( XX/XX/2023 ) to request that they move the over-payment to XXXX of the other loans that still had a balance. They said that the amount would be transferred within 30 days. 

30 days passed and no transfer was made. I contacted them again and was simply told that there is no time table for the overage amount to be applied to a different loan. 

XXXX months have passed and I have continued to contacted them multiple times. There is still no resolution nor timetable for resolution. 

They are apparently still charging me interest on a loan amount that should have been paid ( but they messed up ). 

I would like to pay off the loans, but can not do so until the overpaid loan is closed and the overage amount is applied to a different loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. It hurting my ability to obtain credit.

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 2024-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I got a home loan from XXXX, that later became chase, and now Select Portfolio Services in UT. Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Approx. 2 years ago, my loan went from 3.5 % to 4.125 %, I called up and spoke to a supervisor. I informed them that when I got this loan from XXXX, they told me the most it can go up in a year is .50 %, she told me no it can go up as much as .75 %. 
Now I get a notice showing it's going up 2 % to 7.125 %. I called and spoke with a supervisor, and they were no help at all. 
I informed them that their supervisor at Select Portfolio Services told me the most can increase in a year is .75 %. they didn't care to follow what they told me. 
I saw they have a department to complain, it's a been a week, no one is calling me back, or emailing me at all. 

This is illegal, and I want you to help me fix this, the payment is way to high, and they are taking advantage of probably more than me. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: CA

Complaint narrative:
I made external transfer from discover bank to XXXX XXXXXXXX XXXX for {$530.00} I was told on a recorded phone call it was going through. Now they are saying it didn't go through. But the funds never went back into my account my name is XXXX XXXX not XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

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 2024-04-14 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, i had a late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. 
This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/2024 I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I've disputed the following Collection Companies listed on my credit reports with XXXX XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX about the reported information being currently reported as inaccurate information. 


****Unauthorized Collection Accounts**** XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX {$190.00}, XX/XX/year>XXXX XXXX XXXX XXXX {$1900.00}, XX/XX/year> XXXX  XXXX XXXX XXXX {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CO

Complaint narrative:
Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data. 
Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made. 
Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.

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 2024-04-14 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: CO

Complaint narrative:
Unauthorized Bankruptcy Reporting and Demand for Removal I am writing to express my concern and to notify you of a significant error in my credit report that you maintain. It has come to my attention that my credit report includes bankruptcy information, which has not only been reported without my explicit authorization but also in violation of established privacy norms as set forth by the bankruptcy court, which explicitly states that it does not provide consumer information to any third parties. 
This unauthorized reporting has had a detrimental impact on my ability to qualify for credit lines, directly affecting my financial standing and infringing upon my legal rights. Under the stipulations outlined in 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. Additionally, the Privacy Act of 1974 and related regulations protect individuals from the unauthorized dissemination of personal financial information. In addition, Given that this reporting was done without my consent and in violation of federal regulations, I am requesting the immediate removal of this bankruptcy information from my credit profile. Moreover, I am asking for a fine of {$1000.00} per violation, as compensation for the unauthorized use and dissemination of my personal data.

Please process this removal and cease all further credit activity related to my profile as per my right to opt out. I expect written confirmation within 30 days confirming that these changes have been made.

Thank you for your prompt attention to this serious matter. I trust that you will handle this request with the urgency it warrants and rectify the situation without delay.

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 2024-04-14 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:
I looked at my credit report and noticed everything still the same.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has voliated my right.

and according to 15 USC 168I 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information.

( A ) In general If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. 
The person has been notified by the consumer at the address specified the person for such notices, that specific information is inaccurate and the information is in fact inaccurate.

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 2024-04-14 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

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 2024-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
The amounts showing due on various accounts are incorrect. Mohela is currently under investigation for mishandling student accounts and not knowing what they are doing.I can never get through to anyone on the phone. When I do it's conflicting information between agents. I was informed of being on the SAVE plan that president Biden passed. With the SAVE plan according to my income XXXX XXXX  due. Each month that goes towards my PSLF due to being a teacher. They haven't counted any of those towards my PSLF & at this point I'm aggravated and frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: CA

Complaint narrative:
This is NOT a fraud complaint. Do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a bankruptcy on my credit report 8 separate times on XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in Metro 2 Format reporting.

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act.

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation.

I demand the bankruptcy be properly verified with physical documentation and in Metro 2 Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.

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 2024-04-14 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
Amazon allows its customers to set up interest free payments on purchases ; however, when a consumer logs in to pay their credit card, they do not list the amount the consumer needs to pay to avoid interest charges. This is also true for their credit card statements -- there is no clear amount a consumer needs to pay to avoid interest charges each month.

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