vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX Balance {$0.00}

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 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: VA

Complaint narrative:
LendingClub was contact on XX/XX/2022 to delay two payments from two different accounts. After speaking with an agent the delay of payments had been completed and both payments were not due to be withdrawn from my bank account until XX/XX/2022. 
XX/XX/2022 account # XXXX a ACH transaction cleared my bank account, which this should not have occurred until XX/XX/2022. 

XX/XX/2022 I contact LendingClub thru Chat and was advised that the system was documented showing the payments had been delayed. The payment from one of the accounts should not have been withdrawn from the bank account. Refund was requested. I requested the ACH funds to be placed back into my bank account within 48 hours due to LendingClub error. 
XX/XX/2022 Chatted with a agent and was told it takes up to 3 days before a member of the leadership team would contact me which I was not told that on XX/XX/XXXX. Would not provide a name or number that I could call to get this matter resolved. I had to wait until LendingClub contact me. 
XX/XX/2022 Called and spoke with agent and was told and I quote : " Fund will be credit to the my bank account Monday or no later then Tuesday of XX/XX/2022 any NSF that may occurred will be covered by them since it was a error on their part. '' end of quote. 
XX/XX/2022 Check bank account status - No pending transactions Chat conversation with original person I spoke with on XX/XX/XXXX, now ask me to allow up to 7 days for transaction to be completed which is unacceptable due to Lending Club is set to ACH the exact same account on XX/XX/XXXX, yet they have not refund the money to my bank account. She understand my frustration? 
This matter has not been handle fairly, accurate even but they did admit the mistake. Now you have to wait due to our procedures. 
The agents offer there apology but that is all there is nothing else they can do. So when LendingClub makes a mistake the consumer is made to stuffer and we just have to wait until they fix it? Okay I waited and now when it still not done let 's add some days to it? I am very unhappy and which for you to investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen 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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank statement dated XX/XX/XXXX to XX/XX/XXXX is {$10.00} less than what my register says. My statements balance to the XXXX every month without fail. If there is a discrepancy, I work until I have found the error so that the statement balances. My statements balanced up until this one. I went over my numbers and calculations at least 4 times before deciding that the error is not on my end. I made an appointment with the bank to have them go over it with me. She looked at my statement and recalculated my numbers 3 times. She couldn't find an error so she decided the error must be somewhere in my past statements. She was totally unwilling to look into the bank 's end of the problem because there are no discrepancies in their statement and my register. So, I came home and dug out every register I have which amounts to app. 2 years. I went over every number all the way back 2 years even though I know for a fact that everything was balanced at the time it came in. Every number matched except for 1 which I apparently wrote down wrong. All of my calculations matched up perfectly with no errors on my part. Somewhere in the month between XXXX of XXXX and XXXX of XXXX, {$10.00} has vanished from my account. I don't know where it is or what happened to it and I have no way of checking to see if the bank made an error. They refuse to look into it because ( 1 ) their technology doesn't make mistakes and ( 2 ) it would be almost impossible for someone to take money from an account because they are so well supervised. I have no clue where the problem lies. What I do know is that I've lost {$10.00} which, I realize, is not a lot of money but on a XXXX fixed income, every penny counts. My only recourse now is to close out this account before I lose any more 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on XXXX with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen 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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
since XX/XX/2021 I have been trying to get Equifax to provide answers to my dispute. All I get is accounts are updated. what does this means? I have no knowledge of these accounts. I have no record of these accounts ; therefore, Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following account names as it appears on my XXXX credit report : I wish to see the documents showing the company rights to collect under the Fair Credit and Billing Act. Additionally, I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 

accounts being dispute XXXX XXXX Opened XXXX {$100.00} XXXX XXXX XXXX XXXX Opened XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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:
n accordance with the fair credit reporting act TransUnion account XXXX reference XXXX XXXXXXXX bankruptcy has violated my rights 15 U.S.C 1681 section 602 A.States I have my right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my updates, there is several incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which state that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are inaccurate and needs to get deleted immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2022 I attempted to fix all errors pertaining to my Consumer Report due to a recent credit denial. I did not provide written consent or instruction to Equifax to furnish anything on my consumer report, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never provided written consent for Equifax, or any other 3rd party, reporting to Equifax to furnish or report on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I have placed a permanent credit card offers optout on all three credit agencies on XXXX on websiteoutoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks from XXXX XXXX XXXX XXXX credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
Upgrade claims to report to all major credit bureaus in a timely manner but I have had recurring issues where they claim to be reporting but there seems to be an issue or error with the way they are reporting since it does not update on my credit files with XXXX, XXXX or XXXX. Each time I have had to call to bring the issue to there attention and I have been told they have reported but after waiting and rechecking it is not so. Today XX/XX/XXXX I reached out to XXXX and they clearly indicated that once new info is provided to them they update same day or at the latest within a couple days of info being received but they had not received an update from upgrade as they claimed at all in the month of XXXX. I called upgrade once again after speaking to experian to give them another chance to try to correct the most recent balance and payment history issue and after speaking to a member of there leadership team as they refer to it, I was told they would not take my word for it and that they would conduct a review of there own reporting and if they found an error then and only then would they send a credit correction for my account. The rep refused to provide more identifying information when I requested for his info and only provided XXXX as his first name and after asking for his employee iD or any other info he refused. I know these calls are recorded and should be reviewed since rep was evasive and condescending when I asked for a fair solution of having them please re-report or correct my credit file and also conduct a review to avoid this issue from continuing to happen to any other clients. All other creditors report on a monthly basis and similar creditors who report on the last day of the month like Upgrade reflect updates in a timely manner within days of there reporting. All I ask is that my loan be updated on a timely basis to the credit bureaus. If you claim to be reporting at the end of each month but the client has to call each month to address non-reporting then there is obviously an issue somewhere. Please address and correct this issue so info regarding my loan is reported accurately and timely to the credit bureaus since this affects my credit and finances and may be affecting other clients as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
An email was received from XXXX detailing an order on my account. The order was not placed by me, and the card used for payment showed to be under my name, though was not a card that was issued to me. There were multiple cards under the same premise. 
Those cards were : XXXX ending XXXX XXXX  ending XXXX XXXX ending XXXX It appears that credit cards are being issued under my name, though I am not sure if they have been issued under my SSN.

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I sent letters and disputed online to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORT Wrong AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX Correct AddressXXXX XXXX XXXX XXXX XXXX, XXXX, Va XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I faxed over 22 pages of a loan modification to PHH mortgage on XX/XX/XXXX. Spoke to a relationship manager on XX/XX/XXXX went over what was missing faxed over the missing documents ( signed tax forms ) went over pay stubs with relationship manager while on the phone, they also stated my name was not correct on paper work. Im XXXX XXXX XXXX I know my name. XX/XX/XXXX I had an appointment with the relationship manager my phone rang once and they hung up I called the company ( phh ) and they called again rang once hung up again. Every time I speak to them something is missing Im now in XXXX and nothing is done, today the relationship manager called and told me I have to start all over again. This has been 3 months now. My ex wife filed bankruptcy and has been discharged and they still refuse to remove her. I cant get anywhere with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
I don't know if it is a real debt collector of a scammer. If it is a legitimate business, they are harrassing me! They call my phone almost every day, sometimes more than twice a day, and never leave a message. I don't answer calls from numbers I don't know. I have received nothing in writing regarding a debt that is in collections. I don't want to call the company because I have no idea why they are calling me and am afraid they are scammers. I do not handle any financial business on the phone, ever. I googled the phone number and it was listed on an attorney website as a debt collector. I was reporting a phone number as a scam and noticed that although I blocked the XXXX number after several weeks of them calling, my call log shows they have kept calling, I always see the missed calls, over and over, but I have never been contacted by mail. It is completely inappropriate business practice. 

Here is a list of call times and dates : XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX XXXX XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm and XXXX pm XX/XX/2022 : XXXX pm, XXXX pm, and XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm, XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am and XXXX pm XX/XX/2022 : XXXX am XX/XX/2022 : XXXX pm XX/XX/2022 : XXXX am All of these calls and I have received nothing in writing. If this is a real business, this is incredibly inappropriate behavior. I want these people to stop calling me. I can block them so they can still call and leave a message, but I don't hear my phone ring. I want them to stop calling me period. My address is public information, they have never contacted me by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have never been 30 days late with a lender. I made a payment in XXXX that was frozen due to fraud on my personal bank account. I was not notified that Lowes was not paid until they reported that I was 60 days late on my credit report. I have spent several hours and made several attempts to get this corrected, but they have not helped me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, 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: CT

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX in my XXXX and Transunion report has violated my rights. XXXX account # XXXX on my Transunion report has also violated those rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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