vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 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: IL

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My last payment of a ) 5 interest purchase was sent on Wednesday XX/XX/year>, marked as received on Thursday XX/XX/year> through my bank. Due date of the payment was Saturday XX/XX/year>. The payment was posted to the card when they processed their transactions on Monday XX/XX/year>. I have used this timing for payments in the past with this credit card and have had no issues. A late fee was assessed to my account. I contacted them and they waived it as a " courtesy ''. A few days later I see a {$2.00} interest charge due to the late processing of my last payment for the 0 % interest term. I contacted them again to waive the {$2.00} which should not have been charged as the payment was submitted and received by the due date otherwise it would not have been applied to my account on that Monday. The CC company told me I needed to make my payments at least 10 days prior to the due date. In the world of immediate payments that we now have, this is ridiculous. I instructed them to close my account. I asked them to log a formal complaint which they told me I needed to do in writing only. I feel that they should have to log a complaint in any format that it is received. XXXX  XXXX, chat, email, or letter. They need to be held to a higher standard and they need to be accountable for their processes, especially when they negatively affect the consumer. I would like an investigation into their practices and fees, including late fees and interest on the late fees and balances which should not have been considered past due. I would expect this to be a pervasive issue which has been going on for a long time.

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 2024-05-21 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: GA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: MO

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NY

Complaint narrative:
On XX/XX/year> I've contacted US Bank customer service over the phone requesting to update billing address on the business checking account associated with company A XXXX XXXX XXXXXXXX, XXXX. We've recently changed our registered agent ( which reflects the change on the SOS with XXXX XXXX XXXX ) and in order for the account to stay up to date the phone call to US Bank has to be made considering the fact the US Bank doesn't give consumers the opportunity to update billing information online on their own in 2024. After being transferred to customer service representative who wasn't able to assist ( due to having a business debit card associated with the account and therefore not having a PIN - we didn't request one in a first place ) the customer service specialist wasn't able to provide assistance. When requested a supervisor to step on the line, was placed on a 'death loop ' waiting line holding for almost 20 minutes.

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 2024-05-21 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: NC

Complaint narrative:
I have a static monthly payment with EdFinancial of {$300.00} where they're due on the XXXX of each month. Each payment cycle, I split the {$300.00} between two separate payments aligned with when I get paid from my employer. I made a payment on XXXX XXXX XXXX towards my XXXX  statement amount due and it was not applied properly.

On XXXX XXXX XXXX, I made a THIRD payment, as a 'future payment ', to deduct from the amount due in XXXX in the amount of {$150.00}. When the statement for XXXX was released, it said I was required to pay the full normal amount {$300.00}. Therefore, my payment wasn't applied to XXXX 's amount due. In early XXXX, I used the Chat feature for EdFinancial and requested them to fix. They put in a ticket on their end and said it could take a few weeks. I made only one other payment for XXXX in the amount of {$150.00}, totaling the {$300.00} for the month. XXXX came around and I received a statement with an amount due of {$300.00}, however, my online account showed I was {$150.00} overdue. I made payments of {$150.00} on both XX/XX/XXXX and XXXX. These payments totaled {$300.00} instead of {$300.00} because the amount due was somehow off and paying {$300.00} left a remainder of {$150.00}, which equated to the {$150.00} payment I made on XX/XX/XXXX that didn't get applied to my account 's current amount due. I called their customer service on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update on the ticket to correct the issue and they said it was still in progress. 
I've now received my XXXX statement and it says I owe {$460.00}. I called XX/XX/XXXX XXXX XXXXXXXX XXXX and they stated my previous ticket was submitted incorrectly and they had to create a new one, but would completed within 5 business days. That same day, I went ahead and made a payment of {$150.00}. I checked and my account now shows I have a remaining balance of {$300.00}, therefore, my balance was never corrected. I should have a remaining balance due of {$150.00}. The difference is {$150.00}, which is the third payment on XX/XX/XXXX that never got applied to the amount due. 
I called EdFinancial today at XXXXXXXX XXXX and the first person I spoke with hung up on me after pretending they couldn't hear me some time into the call because it became heated. I called back at XXXXXXXX XXXX and was told my account has been corrected, yet it evidently has not. She then said there was nothing more they can do to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I pulled a copy of my credit reports and noticed an erroneous account that need to be immediately DELETED. 

POSSIBLEFINA has violated my consumer rights clearly outlined in 15 USC 1681.

As a federally protected consumer, I am well aware of my rights and more specifically my RIGHT TO PRIVACY within 15 USC 1681A ( 4 ). 

Account in question : POSSIBLE FINANCE- XXXX Re : Form 1099-C Cancellation of Debt I am writing to you regarding a matter of utmost concern regarding the inaccurate reporting of a charge-off on my credit report attributed to your agency. Upon reviewing my credit report, I discovered a charge-off entry which, according to the IRS, constitutes debt that has been discharged and subsequently utilized for tax benefits by your agency. It has come to my attention that your agency has been unlawfully reporting this information on my credit report, while simultaneously attempting to collect on the debt or maintaining a charged-off status. 

As per the guidelines provided by the IRS, such actions amount to tax fraud, a serious offense which I am prepared to report should this matter not be rectified immediately. I hereby exercise my right to demand the immediate removal of this inaccurate information from my credit report. Additionally, I require you to provide me with a copy of the Form 1099-C related to this debt, to be sent to the address provided above or via email at your earliest convenience. 

It is evident that your agency has violated the maximum accuracy standards outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681e ( b ). By reporting information that is demonstrably not 100 % accurate, your agency is in clear violation of federal law. Continuing to report this inaccurate information would only exacerbate the situation and would constitute willful violation of various provisions under 15 USC 1681s-2. Your company is also setting itself up for a civil liability suit under 15 USC 1681n for negligible non-compliance with a possible {$1000.00} expense for each violation as well as a suit under 15 USC 1681o for negligible non-compliance with even higher resolutions. 

Moreover, I have been directed by the IRS to file Form 3949A for illegal tax violations against your company in order to address this matter. I trust that neither you nor your Executive VP would desire to engage in legal proceedings over such blatant transgressions. 

I hereby demand that you take immediate action to notify the credit bureaus to DELETE this erroneous information from my credit report without further delay. 

Failure to comply with this demand will leave me with no choice but to pursue all available legal avenues to ensure my rights are upheld and justice is served.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, and they have failed to provide satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
The company in question is Money Network Financial , LLC. 

Around XX/XX/year>, I received the card used for receiving California EDD 's benefit payments. Along with the card were information relating to the card. Specifically, the transaction limits for ACH transfers to domestic banks is described as $ XXXX per transaction, $ XXXX per day, and $ XXXX per month. The attached picture shows the transaction limits table that was sent with the card and other disclosures. The same disclosure is also provided online : XXXX XXXX XXXXXXXX % XXXX These limits appear to have been false information. 

On XX/XX/year>, I initiated a transfer for {$500.00} to my personal bank account ( with XXXX XXXX, XXXX ). This transfer was successfully completed as of XX/XX/year>. 

On XX/XX/year>, I attempted to initiate a transfer for {$6400.00}, this amount comprising the then-remaining balance of my account. However, the transfer could not be completed, with the following error message : " The amount entered is greater than the maximum transfer amount ''. 

After a few tries and researching, believing this to be the result of reaching some transaction threshold, I was able to initiate a transfer for {$4500.00} instead. I then attempted a transfer for {$500.00}, and the transfer failed with the error message " Daily limit for Domestic transfer exceeded ''. However, I was able to complete an additional transfer for {$490.00} instead. 

It appears that the daily transaction limit for domestic transfers is actually $ XXXX, and not $ XXXX as described in the disclosures. 

The lower limit on its own is problematic because the EDD has significant delays in approvals and thus consumers can quickly accrue balances much greater than a $ XXXX, and so now the consumers must wait several days to move funds to their own accounts. These are consumers at the most vulnerable, out of work and/or disabled and counting on CA benefits. Also, these prepaid card servicers have always had issues with fraudeach day that a consumer is forced to leave funds in these accounts rather than moving funds to their own trusted bank accounts expose them to the dangers of these fraudulent scenarios. 

The false disclosure of a higher $ XXXX limit is also problematic. This led me to wait to initiate the larger transfer, believing it could all be completed in one fell swoop at a later time. I'm now forced to split the transfers over several days. It is sometimes necessary to move funds to another account as quickly as possible, as not all financial obligations can be satisfied with cash or a debit transaction.

I shouldn't have to risk getting tagged for trying to test transaction limits, just because I'm relying on the disclosure and trying to move my own money.

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America deposited {$900.00} into my XXXX XXXX account ending in XXXX. I have no account with Bank of America and never have. On XX/XX/XXXX, a temporary hold was placed on my XXXX XXXX account for {$900.00} with no call or explanation from either bank. It is my best guess though I have no verification of this is that in XXXX until late XXXX a XXXX XXXX XXXX rented an apartment from me in XXXX XXXX FL for {$900.00} per month he had it set up to electronically pay his rent from BOA into my XXXX account already mentioned. Upon his moving out we both thought all was good and he moved out of state after getting a full deposit refund. Then in the following months another electronic deposit was made and at that time in early XXXX I called XXXX XXXX and since he had moved to Washington state, I agreed to drive some XXXX miles to the nearest Bank of America to refund his money and at that time XXXX assured me he talked to BOA and I did as well when depositing this {$900.00} thinking the problem resolved. Well in the following month it happened again so again we repeat the same steps as previously described above. After this second time it was believe all was good until XX/XX/XXXX, when another {$900.00} transfer showed up in my account whom I suspect was from XXXX XXXX account. Since I live 2 counties over from the nearest BOA I have not been there since I'm not the account holder, I doubt they would divulge anything to me anyway.

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 2024-05-21 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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