vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED.

The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 explanation
Consumer complaint received 2024-06-06 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hello good morning. I logged into my Regions bank account on XX/XX/year> and seen that there were charges made that were not authorized by me. I was super confused because they were only transactions for XXXX each From a company that said XXXX XXXX XXXX XXXX. I assumed that it was a mistake because I had Misplaced my card and I Havent been using it so there shouldnt be any charges on the card. So I called my regions bank. Customer service to report the charges as fraudulent. When I logged in again on XX/XX/year>, I see that my account was negative - {$190.00} and there was another pending transaction from the same XXXX  company whatever that is but this time it said XXXX XXXX for XXXX. But since that one was still pending, I had to wait until it had posted so that I can report that one as fraud as well. I have no idea what XXXX means or what the company is. There was also another charge for XXXX XXXX  from a company that said XXXX. For XXXX as well All of these are from the same company it looks like or platform. After I reported all of this, I was told to wait up to 10 business days for the claims to be resolved and for my account to be credited. But when I went back to the customer service to check on the status of my claims, I was told that one for XXXX XXXX was denied because they claimed that I had authorized the transaction. I explained to them why would I make a payment for XXXX XXXX  just for it to say {$200.00}? That literally doesnt make any sense. and it is obvious fraud. The transactions were pending at XXXX XXXX  and XXXX XXXX  and then when they posted it said {$200.00} added onto whatever sent was deducted when it was pending. I literally need my money back. I am unable to pay for food and bills and everything. And they are basically holding my money. My account is literally negative almost {$400.00}. Also, all of these are literally the same charges, but they are telling me that the XXXX claim for XXXX Is the only one that they deemed fraudulent. But how is that? The only one deemed fraudulent when all of these are literally the same company I literally reported that one when I reported the other ones. I feel like its complete XXXX  because they are willing to reimburse me XXXX XXXX but they dont want to reimburse me the {$400.00} that is also fraudulent? I need my money and I have proof! They are literally asking me to provide other documentation, but how the heck am I going to provide documentation For something that I was not aware of did not authorize that literally doesnt make any sense.

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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
wednesday XX/XX/year> at XXXX i received a call from a woman at XXXX claiming to be with bank of america wanting me to authorize a charge to my credit card. i do not have a bank of america account. i informed her she had the wrong number. she asked- is this XXXX XXXX, social security number ending in # # # #. ( which WAS my number ) i answered i dont know. she said - you dont know? i told her i do not have a bank of america account. you have the wrong number. and hung up. her questioning was attempting to get a yes out of me. i would not say yes.

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 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter finance employs predatory lending practices. Loan terms are not explained clearly and provided at a very high interest rate, making the vehicle double the price at the end of the term. It is my opinion their service representatives are trained to use confusing language so they can avoid answering questions to desperate customers who need to finance a vehicle. This is exactly what I have experienced. In fact when questioned, the representative could not explain why by even the terms she was trying to explain, the math did not equate. This is a ploy to confuse customers who are stuck in a high interest rate loan in which they will never. Be able to pay off. None of the payment goes towards the principle of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
I get a call from ( XXXX ) XXXX EVERY SINGLE DAY. It's usually around XXXX but rarely comes in the afternoon. They always leave a XXXX second voicemail. The message states that it's concerning a XXXX  account but I don't have XXXX  and haven't had an account with them for over 20 years. When I called the number back, it's an automated line and when I choose to speak with someone, it just hangs up. 
I've blocked the number so it no longer rings but that doesn't prevent them from leaving a voicemail every day so I still get the constant notification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, TransUnion, and XXXX, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, TransUnion, and XXXX every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, TransUnion, and XXXX adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.

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 2024-06-06 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: OH

Complaint narrative:
I am writing to file a formal complaint regarding a persistent issue of identity theft and the subsequent mishandling of dispute letters by XXXX, XXXX, and Equifax, the major consumer reporting agencies. Despite consistent efforts on my part to rectify the situation, these agencies have failed to comply with the codes and regulations outlined for consumer reports. 

Since XX/XX/year>, I have diligently sent dispute letters to XXXX, XXXX, and Equifax every 30 days, as per the established procedures for addressing identity theft and inaccuracies on consumer reports. Despite these repeated attempts to rectify the situation, I have encountered significant obstacles in receiving the appropriate response and resolution. 

The identity theft I have experienced has not only posed a threat to my financial security but has also resulted in considerable stress and inconvenience as I strive to restore my credit and personal information. Despite my proactive approach in contacting the consumer reporting agencies and providing ample documentation to support my claims of identity theft, the response has been insufficient and non-compliant with the regulations set forth by the Consumer Financial Protection Bureau. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that XXXX, XXXX, and Equifax adhere to the established codes and regulations governing consumer reports. It is imperative that steps are taken to rectify the inaccuracies on my consumer report promptly and provide the necessary support to address the ongoing issue of identity theft. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution to this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: NY

Complaint narrative:
I checked my credit profile and came across inquiries that do not belong to me. On XX/XX/2024 I checked my report and noticed an inquiry from XXXX XXXX XXXX that i did not request.

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 2024-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I am writing this email to express my dissatisfaction with the incorrect information I have been given regarding my loans from Navient. I am diligent about keeping my loans from defaulting, but Navient of XXXX XXXX is not providing any assistance. My goal is to find someone who can help me prevent my loans from defaulting. I want to talk about obtaining an assistant to discuss my financial situation before defaulting on my loans with XXXX XXXX. During my conversation with Navient 's agent on XX/XX/XXXX, I was given incorrect information about the loan process. Due to my inability to pay the monthly repayment for these loans that are due this month, I am feeling confused and uncertain about how to proceed. Navient agents consistently give me inconsistent information when I call them. 
I called on XX/XX/year>, and spoke to a supervisor named XXXX. I explained to him the inconsistent information that was given to me. The agent didn't see any other loans on her computer while working with me, as he informed me. He insistent that I was not given inaccurate information and he suggest that the only thing he can do is provide deferment for 3 months which I must pay a fee and I declined because I didnt have the funds. 
After having that conversation, I requested information about the available options because I graduated on XX/XX/year> and am currently unemployed. I need a deferment until I am able to find employment. He informed me that I need to send you to the private collection loan area, which has more options to assist me. He assured me that XXXX XXXX has various offers that are workable and have several repayment options, which will prevent you from defaulting. 
Upon being transferred to that department, the agent informed me that there are no alternatives other than paying {$100.00} for a XXXX deferment. I reiterate that I am not working, and I do not have an income. She replied by saying 'I am sorry, that is all I have to offer from my computer program. ' She said I am due to make a payment in XXXX and I said I will not be able to make these payments and I dont want to go into default can someone work with me to avoid default. I was informed during the XX/XX/XXXX conversation that if I consolidate and move all of my loans to the XXXX XXXX XXXX XXXX, it will contain all of my loans to a XXXX plan with a onetime adjustment of past payments. Now I am in a predicament where I can't pay for these loans and there is no option available to not go into default. Could you assist me in rectifying these issues? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. 

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2024-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
My complaint is that XXXX XXXX XXXX who is a third party vendor associated with XXXX XXXX XXXX XXXX never sent me an invoice to pay the original {$100.00} that I owed for my daughter. I didn't know I owed them {$100.00} from XX/XX/year> until I received a text message from them on XX/XX/XXXX at XXXX. This is a very weird way to communicate with someone as we get so many spam messages now days. Also, the collections doesn't even tell you who its for. I am also responsible for myself, my kids, and my father. So this could have been for any of them. It would be important that they list who the patient is. 

I never received the original bill from XXXX XXXX XXXX for the {$100.00} that was owed. If I would have received it, I would have paid it like I did in the past. I am upset that they sent me to collections for {$100.00} without sending me several invoices to my home first. They have billed me before for other services used at the hospital and I paid them before. Don't understand why they couldn't just resend the invoice a couple to a few times before sending me to collections. If my credit has been affected I would like to see legal counsel for this since I never received the bill. I have paid the Gulf Coast Collection Bureau Inc. to avoid my credit from being impacted per Gulf Coast Collection Bureau says it hasn't but I will be checking my credit in the next for weeks. Please review this companies practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One solicited me for a SavorOne credit card based on my credit history, with 0 % APR on purchases for the XXXX 15 months and 0 % APR on balance transfers for the 1st 15 months. I accepted their offer and card was mailed out to me. upon receipt, in setting up my online account via their Capital One app I found that they did not honor their 0 % APR in balance transfers. they listed 29.99 % APR on my account. numerous phone calls, discussions with their balance transfer " team '' - beginning with my 1st call/complaint on XX/XX/XXXX - Capital One/SavorOne have not reversed the 29.99 % APR on my account. I offered to scan to them what I received IN WRITING from Capital One/Savor One when my account was approved and credit card mailed out to me ( which plainly states my account has both 0 % APR for both purchases and balance transfers ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On Wednesday, XX/XX/XXXX, @ XXXXXXXX XXXX, I inquired about an application for loan forgiveness due to misconduct on XXXX 's behalf. I was told she had to check if the school was on the list. Only to find out the school was on the list but my " loan type '' was not eligible. I don't understand this, this loan was taking out by XXXX XXXX and XXXX in XXXX, for educational reasons only. I lacked the knowledge to distinguish which loan type to request. Additionally, I was told I could not receive an application because, at the customer service level, I didn't qualify. I don't believe customer service reps are qualified to make this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: PR

Complaint narrative:
Today Transworld Systems Inc. make numerous call trying make reference to legal action for an unknown account. They call asking for information in a very inappropriate a rude form.

Company response to consumer: Closed with explanation