vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX I paid the balance due on my personal loan at AMEX. Accidentally, I also overpaid by sending in the monthly minimum due payment. On XX/XX/XXXX I reached our requesting a refund, which they were willing to do by mailing a check not guaranteed to arrive sooner than XXXX business days. But if my money had been taken instantly from my bank account, why couldn't they refund it the same way? I escalated the matter demanding a more satisfactory outcome but was not able to receive confirmation that the complaint had been filed. I was also that options beyond a mailed check meant waiting for a call from a supervisor, to which I agreed to take but never came. Later I was told that call was attempted but I didn't pick up and they are not allowed to leave a voicemail to notify me of the attempt to reach me. I called again after 10 days had passed to inquire about the check that was supposed to have been mailed. At that time I was told an attempt was made to digitally transfer the funds to my bank account. I confirmed the account was never credited and asked again that the funds be returned and suggested this time they apply it to my other AMEX credit card account. I was told that was not possible. Today, XX/XX/XXXX, almost 30 days later I still don't have my refund. The online representative informed me that my case had been closed unresolved and could not explain to me why. Again, I requested a call from a supervisor and this time waited by my phone and picked up the call. I was told the funds were sent back to my bank account. I informed the caller of the previous failed attempt to do so and asked if that was the only option. She infomed me no notes in my file indicate such an attempt had previously been made. She was also unable to confirm bank account details identifying the account to which the funds were sent. This supervisor also denied that my case had been closed without being solved. What steps would they take to compensate me for the loss of use of my own money for nearly 30 days? The caller offered to compensate me for late fees but nothing she could do about the impact to my XXXX XXXX or inconvenience. Still no guarantee I would receive my funds in my bank account but I can call back and they'll open a new request to mail a check within XXXX business days. Unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Company has called my workplace claiming to speak about a small business matter disguising themselves when calling. The company has called repeated times during the week to my personal cellphone. The company calls my phone not stating theyre taking a debt collection but as consultants for a small business but it is for debt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my XXXX  account but has yet to be removed from my XXXX and transunion reports. No one is ever available to help with this matter when calling XXXX. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.

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 2024-04-15 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: NV

Complaint narrative:
I am a XXXX XXXX  XXXX  XXXX  XXXX XXXX  who qualified to have student loans forgiven. My Student loans were forgiven XXXX XXXX by XXXX the account was removed from my XXXX  account but has yet to be removed from my Equifax and XXXX reports. No one is ever available to help with this matter when calling XXXX. I am in the process of buying a home and this does not reflect well on my behalf. XXXX currently has class action law suits against them for wrongful practice. I would just like some help in forcing them to do right by the people who trusted in them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a copy of my drivers license ( id ) and a copy of my w-2 to get the fraud alert removed since Equifax needs 2 forms of ID. The CRA is obligated to use these documents to remove the alert. Even on the website they indicated that these 2 types of documents are ok. Why is Equifax doing this?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 non-monetary relief
Consumer complaint received 2024-04-15 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: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Subject : Response to Fraudulent Activity Regarding Medical Collection Account To Whom It May Concern, I am writing to report a case of identity theft regarding a medical collection account listed on my credit report. The account in question is with " Progressive Management Systems '' and is associated with services supposedly rendered at " XXXX XXXX XXXX XXXX. '' I have no knowledge of this account or the services it represents, indicating that it is the result of identity theft. 

Upon reviewing my credit report, I discovered an outstanding balance of {$6600.00} attributed to this account. The dates of the reported services and actions taken by the company are unknown to me as they do not correspond with any medical treatment or interactions I have had. 

I have taken the following actions regarding this fraudulent activity : - Immediately contacted the credit reporting agency upon discovery of the erroneous information. 
- Placed a fraud alert on my credit reports with XXXX to prevent further unauthorized accounts or activities. 

It is crucial to rectify this situation promptly, as it is negatively impacting my credit score and financial reputation. I request that this account be thoroughly investigated by all parties involved, and any associated negative remarks be removed from my credit report.

Please do not hesitate to reach out to me for any additional information or verification required to assist in resolving this matter efficiently. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX 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 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
Mortage company PennyMac. Filed for XXXX XXXX bankruptcy in XXXX XXXX XXXX XXXX Company stopped reporting made payments shortly after. After I realized they stopped reporting I made several attempts to get them to report to the 3 credit bureaus. It is not a federal law preventing them from reporting just an internal memo from PennyMac itself. I was made aware from PennyMac the only way to get the bankruptcy removed and have PennyMac start reporting again was to refinance with a new loan number. I tried that in XXXX and was denied by PennyMac for lack of revolving credit. I have had multiple disputes with all 3 credit bureaus to get the balance and made payments correctly adjusted. I have attached year end XXXX, XXXX, and recent monthly statement to back up my claim. I have had no success as it shows closed on credit reports with missing/incorrect information. This has caused irreputable harm to my credit and will never be able to obtain a loan again also scores have dropped very low, XXXX is now a XXXX. I have never had any missed payments in the 4 years since filing for bankruptcy. Please force them to report accurate information showing updated balance and made payments on time. PennyMac has confirmed the bankruptcy will always be attached to my loan number. They will never report again even after bankruptcy is complete. And according to them I will never be able to re finance because of no credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I use XXXX XXXX 's bill payment service. All payments are paid as scheduled except for my Citibank Visa. On a few occasions, according to Citi, my payment has arrived a few days late ; even though XXXX XXXX 's records indicate the payment was sent as scheduled and should have actually arrived a few days early! Citi has credited my " late '' payment once ; but now refused to do so and has no explanation why a check is required ( from XXXX XXXX ) instead of electronic payment or any proof that the mailed payment was received late. The most recent occurrence was for payment due on XX/XX/XXXX. XXXX XXXX indicated the payment was delivered on XX/XX/XXXX and Citi claimed it was received XX/XX/XXXX. I was charged ~ {$30.00} for late fee and interest on a {$60.00} balance ( 50 % penalty )! 

I suspect Citi is requiring checks knowing that it provides more opportunity for delays and for them to charge late fees, as well as harder for customer to prove delivery 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 monetary relief
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX XXXX BALANCE : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX Balance : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX Balance : {$37000.00} Status : Closed Account # : XXXX XXXX XXXX  XXXX Balance XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Status : Closed Account # : XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} STATUS : OPEN ACCOUNT # XXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel.

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : Dear Sir/Madam, I am writing to you to dispute several items on my credit report that were verified by XXXX. On XX/XX/2023, I requested evidence detailing how the information was verified via certified mail Track # XXXX XXXX XXXX XXXX XXXX XXXX. Despite the passage of 38 days since my initial request, I have not received any response or evidence regarding the verification process. 

The disputed accounts are as follows : XXXX  XXXX BALANCE : {$13000.00} STATUS : CLOSED ACCOUNT # XXXX XXXX XXXX XXXX : {$53000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX : {$13000.00} Status : Closed Account # : XXXX XXXX XXXX XXXX XXXX : {$37000.00} Status : Closed Account # : XXXX XXXX XXXX  XXXX XXXX XXXX {$12000.00} Status : Closed Account # : XXXX XXXX XXXX Balance : {$0.00} Status : Transferred Account # : XXXX XXXX XXXX XXXXXXXX : {$0.00} Status : Closed Account # : XXXXXXXX XXXX XXXX BALANCE : {$0.00} STATUS : OPEN ACCOUNT XXXX XXXXXXXX I request that XXXX provides me with documentation detailing how each of these items was verified. This documentation should include the method of verification, the date of verification, and any correspondence exchanged with the creditors or data furnishers. 

As per the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and to ensure the accuracy of the items on my credit report. Failure to provide this information within a reasonable time frame will necessitate further action on my part, which may include seeking legal counsel.

Please treat this matter with urgency and provide the requested documentation at your earliest convenience. You can send the documentation to the address listed above. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
Truist closed my account without my knowledge and I never received a phone call or email from them about the closing of my account and they received my XXXX payment and are refusing to send the payment back to the social security office so that they can send me my XXXX 's 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 2024-04-15 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: Chime Financial Inc
State: GA

Complaint narrative:
I ( XXXX XXXX XXXX booked a night at the XXXX XXXX on XXXX XXXX XXXX, XXXX, RI XXXX using debit card # XXXX on XXXX, XXXX, XXXX. When I checked in at the XXXX XXXX on XX/XX/XXXX, the hotel accidentally charged debit card # XXXX when charging for incidentals. They tried to refund me on their computers multiple times, but it didn't work. After XXXX month, I filed a claim with my bank, Chime. 

Chime has never called this XXXX XXXX a single time, yet continuously deny my claim and refuse to refund me my money back. 

Their denial email offers to show me documents used when determining the final outcome, but over a phone call they said these were unavailable. The fraud claim denial letter comes from an email that you can't respond to, and getting in contact with their phone service is incredibly difficult. 

These are deceptive and improper banking practices, they could easily just call the XXXX XXXX and speak with the XXXX to confirm the efficacy of my claim, but instead they choose to active deceive and deny their customers their due process and money owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-15 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: FL

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX  XXXX regarding the illegal reporting of a charge-off, which is considered a certificate of indebtedness and income under IRS Publication XXXX. This erroneous reporting violates federal regulations, including the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, causing significant financial and emotional distress. The charge-off, considered income per IRS Publication XXXX, should not be included in consumer reports, as explicitly mandated by federal regulations. 

However, XXXX XXXX  XXXX has inaccurately reported this income, breaching the FCRA and IRS guidelines. This misleading reporting not only misrepresents my financial standing but also infringes upon federal regulations designed to ensure accurate and fair reporting to consumers. The erroneous reporting persists despite my attempts to rectify this issue directly with XXXX XXXX XXXX by disputing the inaccurate information on my consumer report. This continued misreporting has substantially hindered my access to credit and financial opportunities. 

Furthermore, XXXX XXXX  XXXX XXXX actions violate several federal statutes, including : XXXX. Violation of FCRA Sections XXXX ( a ) and XXXX ( b ) : XXXX BANK XXXX 's illegal reporting of inaccurate information without my explicit consent contradicts the FCRA, impairing the efficiency of the banking system and undermining public confidence essential to its functioning. XXXX. Violation of FCRA XXXX XXXX : XXXX XXXX XXXXXXXX reported information without my consent, breaching my opt-out rights and failing to disclose clearly and conspicuously that such information could be disclosed to third parties. 

This continuous inaccurate reporting has resulted in substantial financial damages and emotional stress. Moreover, it directly contravenes federal laws to protect consumer privacy and ensure fair and accurate credit reporting. I respectfully request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against XXXX XXXX  XXXX for their egregious violations of federal statutes. 

Additionally, I seek immediate rectification of the inaccurately reported information on my consumer report to mitigate the ongoing financial and emotional distress caused by their actions. Enclosed are supporting documents detailing the inaccurate reporting and relevant federal statutes for your review and consideration. Thank you for your attention to this matter. I eagerly await your prompt response and resolution.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Under FCRA 605B, it's imperative to expunge any erroneous accounts from my credit report. Could you kindly verify the documents? Some of the listed accounts exhibit inaccuracies in their reporting and necessitate immediate removal.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXX, I checked into XXXX XXXX XXXX XXXX. The hotel put a {$100.00} hold on my XXXX credit card ending in XXXX as deposit against incidentals. I checked out the following morning, XX/XX/XXXX. As of today, XX/XX/XXXX, the hold is still pending on my credit card. I called the hotel and was told the hold was released on XX/XX/XXXX shortly after XXXX a.m. ( I forget the exact time he quoted ). I called the XXXX credit card and asked why it was still on hold. I was told it can take as much as 30 days for a hold to be released. But the hotel already released it! Why are they holding on to my money?

Company response to consumer: Closed with explanation