vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Union Home Mortgage Corp
State: IN

Complaint narrative:
In XXXX I received a billing from Union Home Mortgage indicating that my next payment was due in XXXX. I contacted my representative and he told me it look like my account is a month ahead. 

At the end of XXXX I received a letter from Union Home Mortgage that there was an accounting error and they had double counted XXXX and XXXX payments. 

By the middle of XXXX multiple people had contacted me about an XXXX payment and multiple emails had been exchanged. I had agreed to make up the billing error by paying XXXX a payment plus normal payment in XXXX, XXXX, and XXXX. The promise in writing from the company was there is no effect on my credit score, and no late fees.

Last month I tried to obtain credit. I was informed there is a late payment on my mortgage and it will affect my loan. I disputed with XXXX. XXXX did not resolve the dispute, but I got payment records reported to XXXX from XXXX XXXX. 

XX/XX/2024 balance {$74000.00} due {$690.00} paid {$690.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XX/XX/2024 balance {$74000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1600.00} on XX/XX/2024 XXXX 2024 balance {$75000.00} due {$690.00} paid {$0.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 XX/XX/2024 balance {$75000.00} due {$690.00} paid {$1300.00} on XX/XX/2024 My bank records show : XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} XXXX {$0.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$920.00} XX/XX/XXXX {$690.00} XX/XX/XXXX {$690.00} As I am XXXX  and XXXX I don't have access to much credit, but terrible accounting like this on my credit report hinders my ability to use what little I have.

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 2024-11-24 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: DC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate and correct any errors on a consumer 's credit report within a specific timeframe. According to Section 611 of the FCRA ( 15 U.S. Code 1681i ), credit reporting agencies must correct or remove any inaccurate, incomplete, or unverifiable information within 30 days of receiving a dispute from the consumer.

Perpetual investigation one year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I just opened a care credit card in XX/XX/year>, and charged {$3400.00} of the XXXX limit to help pay for my medical bills. Almost 2 months later I have in down to {$2900.00} because I pay weekly to make sure that I pay it off before my 18 month promotional no interest. Well.I just went to make another weekly payment and it says my account is closed!!!! Im irrational. Not only is this helping my credit, but its helping my medical bills too. Plus how to you close someones account without notifying them, and I just opened it, and I pay my balance down according. Synchrony one year ago did the same thing to two other accounts. Once again I was always paying them on time. This company needs to be sued or never offer anything again.

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 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I had a balance with American Express. I paid off the complete balance two days Before the statement period. They still charged me interest after I paid the abalance in full. They let me know they charge me interest twice a month. I had no clue. No other company does this at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: MA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 2024-11-24 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: OH

Complaint narrative:
I am writing to bring to your attention an issue regarding the reporting of late payments on my credit report by the credit bureaus for an account that was discharged in bankruptcy. 

XXXX Account # XXXX According to the Fair Credit Reporting Act ( FCRA ), any debts discharged in bankruptcy should not be reported as late or delinquent. It is my understanding that once an account is discharged, all negative reporting related to that account should cease. However, despite this, I have seen multiple entries indicating late payments, which is adversely affecting my credit score and financial standing. 

I have attempted to resolve this issue directly with the credit bureau in question by disputing the inaccurate information. However, my disputes have not yielded any positive results, and the erroneous late payment entries remain on my credit report. This situation is causing me undue stress and hindering my ability to regain my financial stability post-bankruptcy. 

I kindly request that the CFPB investigate this matter and provide guidance on how to rectify these inaccuracies. It is crucial for consumers like myself to have accurate credit reporting, especially after going through the challenging process of bankruptcy. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: IL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 ( i ) prom
ptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX U made a deposit in person at Bank Of America for XXXX. I received a receipt for availability on that day indicating i would get XXXX on XX/XX/XXXX and the rest on XX/XX/XXXX with the exception on XXXX i assumed would be available the next day. when i didnt get the XXXX the next day i checked my online account and noticed they extended the whole check and date to XX/XX/XXXX. I went back to the bank and ask why they said they couldnt give me an answer. I called they said the same thing. At the close of that day XX/XX/XXXX i see they conviently put a notice in saying they were holding because they received information it might be returned .. a blatant excuse and lie the bank it was written on had already verified the check. The fact that they issued a negative remark on my account was wrong!! I have made many large transaction to Bank of America by cash and XXXX large sums by checks. I have been a customer well over XXXX years. To be treated with disrespect like Im depositing fake checks is an insult. They didnt follow company protocol in regulations at all. Im suppose to receive a notice and reason when the hold is out on I didnt on XX/XX/XXXX they only added it because i called and complained. They didnt honor the receipt I was given at the time of my deposit. They accused me of fraud basically said my check would return. They place a false hold on my 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 monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am writing to formally notify you that I have been a victim of identity theft, resulting in a fraudulent account being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of this fraudulent account to ensure the accuracy of my credit report. 

Account : XXXX / XXXX XXXX XXXX / XXXXXXXX XXXX XXXX  Account Number : 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 non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate opened- XX/XX/year>. I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT

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 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have asked them several times to change the overdraft settings on my account. They take so much in overdraft fees and let random charges pile up where theyll take {$170.00} at a time in fees. I didnt even see my last 3 paychecks and may be homeless because of this. My account is currently overdraft {$670.00} and there is no way I can recover from this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am in the process of buying a home and when my credit report was pulled I was told a debt collection agency called National Credit Systems was on my credit report. The company stated that I owe them {$2600.00}, and the account was open on XXXX XXXX, and this has been on my credit for more 5 years. I didn't recognize the collection was on my credit. I demand this to be removed from my credit report. I have also tried to dispute and receive some knowledge from the collection agency, and I have been waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company wrote off balance has a tax break. Has not provided 1099C to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
Upon on Reviewing my consumer report I noticed hard inquiries that i did not make nor did I approve anyone to pull 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 2024-11-24 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Upon Reviewing my consumer report I noticed public records that I did not make nor did I approve anyone to pull my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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:
I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by XXXX XXXX, XXXX, and Equifax, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: GA

Complaint narrative:
I am a victim of identity theft. And this is my official notice about the crime. Debt transactions were created in my name without my knowledge or consent. I do not know any information about the suspect. All I know is that these fraudulent transactions were allowed to be reported by XXXX XXXX, Experian, and XXXX, which leads to several violations under the FCRA. Including but not limited to compliance procedures, written consent from me, and a " reasonable '' investigation of information before being reported. I am seeking justice to have the fraudulent account information permanently blocked, removed, and deleted from my credit report and file. Please see attached notice.

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 2024-11-24 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: IL

Complaint narrative:
I sent in my ftc report there is a fraudulent account portfolio recovery on my Equifax report equifax has not removed the account please remove account asap this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Climb Credit Inc.

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Student Loan Entry on Credit Report by XXXX XXXX and CLIMB Credit ( {$12000.00} ) To Whom It May Concern, I am writing to formally dispute a student loan listed on my credit report by Climb Credit for services provided XXXX XXXX XXXX XXXX This loan entry is unjustified and warrants immediate review and resolution. Below are the reasons for my dispute : XXXX. Misrepresentation of Services : XXXX XXXX widely publicized that students would be offered job placements upon achieving their first certification. Despite this assurance, no such assistance was provided. This was a critical factor in my decision to enroll, and its absence represents a breach of the advertised service. 
XXXX. Attempt to Withdraw from the Program : I requested to withdraw from the program after completing 40 % of it, as I realized it was not meeting my expectations. I sought to negotiate terms for opting out but was met with resistance. My repeated attempts to meet with management to discuss this matter were ignored, leaving me no avenue to address my concerns directly. 
3. Program Quality and Support : The program, contrary to expectations, consisted primarily of pre-recorded videos with no immediate support for questions or clarifications. I had anticipated live classes, as implied by their promotional material. The lack of interaction made it impossible for me to derive value from the program. 
XXXX. Neglect by XXXX XXXX : Despite my communications about dissatisfaction and the need to speak with their team, I was only met with automated responses urging me to continue studies. No one from the academy provided the support I repeatedly requested, leaving me isolated in this process. 
5. Unjust Reporting by Climb Credit : Without resolving my concerns, Climb Credit added the debt to my credit report. This has caused undue harm to my credit standing for a program I found fraudulent and non-beneficial.

Given the misleading nature of the program and the academys failure to address my grievances, I request the removal of this debt from my credit report. Attached are supporting documents, including copies of my correspondence with XXXX XXXX and Climb Credit, highlighting my efforts to resolve this matter. 
I trust the CFPB will investigate this matter thoroughly and take the appropriate action to rectify the situation. Please confirm receipt of this letter and inform me of any additional documentation required. 
Thank you for your attention and assistance.

Company response to consumer: Closed with explanation