vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XXXX XXXX  an unauthorized payment was pending and then taken from account. I contacted Westlake Financial and spoke with a supervisor named XXXX that confirmed that the payment pending was a double payment however he stated he could refund it until the transaction completed so he said to call back after it has so they could complete the refund. I called back after the transaction completed to have them complete the refund and they say they can not complete the refund and only request it for management approval despite me informing that it was already approved with a superviso. So they end up submitting the request for it to be refunded and request that i call back in 1-2 business days. I called back after the that time had elapsed and the rep I spoke to said the request was denied. I then spoke to another supervisor who still did not refund the payment but instead said that she needed to review a call that would take another 72 hours and need to be requested through higher management. So after many days and calls later I still have not had the unauthorized payment refunded. Westlake financial should not only refund my money but also grant a skip a pay that should have been granted when I spoke with them to request the XXXX payment to be skipped. This is service has been horrible, unfair, and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: SC

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 inquiry : XXXX  || DATE OF INQUIRY : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: WA

Complaint narrative:
EdFinancial since the re-starting of student loan payments has yet to accurately reflect my correct account balance and what is owed. I've spoken with their customer service multiple times, my account is in auto-pay, and I still continue to receive regular notification that my account is past due. This is not correct. In XXXX for example, I had a near {$400.00} " past due '' amount that was to be paid to get my account into a current standing. I paid this, only to continually receive notifications that I have past due amounts that have not been paid. I spoke to customer service, again, today and was told I continue to have a past due amount from XXXX. 

This entity has the most atrocious billing practices out of any company I have ever worked with. They don't know what they're doing, billing accounts incorrectly, and continually driving up the monthly payment of what's owed. I've emailed the XXXX XXXX  several times about their horrible billing practices and hope that by escalating this issue, at some point this will get corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: LEXISNEXIS
State: LA

Complaint narrative:
The credit reporting agencies XXXX, XXXX and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: SC

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 inquiry : XXXX  Date : XX/XX/2024

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank XXXX XXXX Dispute Analyst refused to submit my claims to XXXX with the correct Mitigating chargeback codes relevant for my fraud claims as a XXXX for misrepresention l gave them all the documentation & proof provided to their email response & spoke with several managers that the Analyst was promised to respond to my appeal requests as evidence showed that these credit refunds should have been permanent. Managers refuse to reopen the cases & let me speak with the lady who was assisting me with my Provisional credits. I do not owe the bank this money & unless they can provide proof from XXXX  who says Their dept never submitted my claim for investigation that the money needs to be returned back into my account today.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXXXXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & 90 DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall 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. 

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear transunion XXXX XXXX XXXX XXXX Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Picture of proof included XXXX XXXX XXXX XXXX XXXX XXXX  : REPORTING PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 

PAYMENT HISTORY ON XX/XX/XXXX : SAYS I MADE A PAYMENT BUT THERE NOT A OK IN PAYMENT HISTORY & WHAT ABOUT XX/XX/XXXX & XX/XX/XXXX PAY STATUS : HAS NOT PUT XXXX  DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX out of date & XXXX  DAYS NO LATES IN PAYMENT HISTORY. 

LAST PAYMENT CHANGED : FROM XX/XX/XXXX TO XX/XX/XXXX THATS A VIOLATION LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE XXXX  DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors A person shall 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. 

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 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Timeline of events : XXXX. XX/XX/XXXX I, XXXX XXXX XXXX, sent XXXX GBP to my brother 's account in the XXXX. Received a XXXX message confirming that the amount has been deposited into my brother 's account. IT NEVER HAPPENED. 
2. XX/XX/XXXX I created a case on XXXX website. I NEVER RECEIVED ANY RESPONSE FROM XXXX. 
3. Called XXXX  on XX/XX/XXXX. Was told to upload some information. Was promised to get back to me within 24-48 hours regarding the tracing of this transaction. IT DID NOT HAPPEN. 
4. Tried to upload the requested documents to XXXX website. It allows for upload of only one document. 
5. Called on XX/XX/XXXX. Was told to send the documents to the customer service email. Sent the requested documents to prove that XXXX XXXX XXXX  is currently XXXX with the same routing number, and that payment has not been received by the receipient. 
6. On XX/XX/XXXX, received an email from XXXX claiming that they have deposited the money into my brother 's account. 
I was given the following XXXX  for tracking : XXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  wrote to XXXX XXXX XXXX stating that I have been in contact with our payments team who can find no trace of the payment into XXXX, or through our intermediary bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : JEFFCAPSYS XXXX {$1000.00} XX/XX/year> 15 U.S.C , 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Midland management collection agency alleged that I owe a debt to their company. however, i didn't have any recollection of entering into any contract with them. yet I offered to settle the matter by requesting them to provide me with documentary evidence to support their claim. Midland fail to provide what was requested, but continued to report it on my Consumer report tarnishing my good name and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
New American Funding of XXXX, CA is listing me as an mortgage consultant on their company websites and on XXXX searches. I have never worked there or accepted any position with them. They have set up a website for me, issued an XXXX XXXX  and an email address. I previously worked at XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX for 20 years through XX/XX/2024 ( the XXXX XXXX XXXX XXXX went out of business ) and immediately started my employment at XXXX XXXXXXXX XXXX XXXX  on XX/XX/2024. Inquiries from past clients and referral sources are being directed to an XXXX XXXX or an email address per these on line advertisements/searches which will never get to me. This has apparently been going on for the past 34 days. It is unknown how many people have tried to contact me this way. It is also unknown how this has financially harmed me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Since XXXX, I have been trying to verify and activate my target red card. Every time I have done so, it has given me an error screen. Upon calling customer service, each time I am redirected to a different number in which I am given three options to choose from, all of which do not help me. 

Last week I finally got into the website to pay, and my payment was refunded and my balance due is still shown. I have been charged with an extreme amount of interest during this time and my credit score has tanked. 

Now, there is no window to actually pay the card. Instead, I am given a bunch of links to reset my passcode, the same phone number that doesnt help me, and a few unhelpful instructions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: GA

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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