vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This collection account is still falsely reporting on my XXXX and XXXX credit report it was deleted by XXXX for false reporting and inaccurate information and violation of the Fair Credit Reporting Act : According to the Fair Credit Reporting Act, Section XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I have been requesting this information and LVNV is unable to provide XXXX requesting this account be deleted. 
I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, XXXX, I presume no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Although Navy Federal has responded to my original complaint. They still did not answer my request for answers. What have Navy Federal done to resolve this matter?

This in reference to the previous complaint. 

PLEASE DO NOT MARK THIS AS DUPLICATE. The generic number does not reach the appropriate party in question. I need the fraud department to call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX XXXX XXXX regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have reason to believe that Bank of America is holding mortgage payments for extended amounts of time to charge consumers late fees and/or to be able to file negative credit reports. Please see the first page of my supporting documents ( Attach A ). Long story short : Back in XXXX XXXX, BOA sent me a letter stating that due to " multiple returned payments '' my XXXX had been cancelled. When I called for clarification, I was told it was due to me having XXXX insufficient funds in a 12 month period on the days of autodraft ( Attach F ). However, per their letter ( Attach B ), I could send in a check. I did this by setting up bill pay with XXXX bank ( XXXX and XXXX ), the checks were returned ( XXXX XXXX, XXXX example ). When I called to inquire as to why the XXXX issued checks were returned, I was told by several CSRs, " You can't send personal checks. It has be to a cashier 's check and/or money order. '' I explained several times that's not what THEIR LETTER stated ( Attach B ). Several CSRs also told me, " I understand what the letter says, it's a general letter we send to all consumers and the system puts an automatic hold on your account to reject checks. '' XXXX XXXX went as far to say, " We send all consumers the same letter, we don't have time to write separate letters for each consumer situation ( XXXX and XXXX XXXX. '' I sent a letter of " Notice of XXXX '' on/or around the end of XXXX ( XXXX XXXX ). In their correspondence, they asked to be given XXXX business days from the date of the correspondence ( XX/XX/XXXX ) to reply. While waiting, I had a cashier 's check mailed on XX/XX/XXXX or XX/XX/XXXX and it didn't clear and/or post until XX/XX/XXXX. For the XXXX payment, I mailed a money order on XX/XX/XXXX and as of XX/XX/XXXX the payment has not posted to my account and BOA is calling me about the payment and late fees have been applied. My concern with this, I'm mailing to their XXXX XXXX XXXX XXXX, XXXX, TX, XXXX from a XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ). I've had other checks mailed on the same day/before/afterwards that have already been applied/cleared, yet the BOA payment has not been applied. I've had a late fee accessed to my account every month since XXXX. They did reverse the XXXX late fee. However, there is no way you can't tell me that BOA isn't being unethical in their practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
FCRA 605B mandates the elimination of erroneous entries from my credit record. Could you kindly review the paperwork? Several entries therein are erroneous in terms of their reporting. Compensation of {$1000.00} per inaccurately reported item on my credit dossier is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
APPLE CARD/GS BANK USA ( credit card ) Date opened. XXXX XXXX Date Closed XX/XX/2024 Amount {$2200.00} This Company has verified account as accurate after I have complained and disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Ria Envia, LLC
State: PA

Complaint narrative:
XX/XX/year> - I wanted to make a large transfer from US to XXXX to pay off a mortgage and I got in touch with xe.com as they support large transfers. They assigned a representative who would support me through the process. He explained the process - I'd make a wire transfer and they would make the payment to my overseas account once they receive it. They also confirmed that I would be reimbursed for the wire transfer cost. 

I made 2 wire transfers - XXXX XXXX on XX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. The transfers were processed and I received money within ~1 week. However, they did not reimburse the wire transfer costs ( {$30.00} x 2 = {$60.00} ). I followed up multiple times about the reimbursement from XX/XX/XXXX to XX/XX/XXXX but I haven't received it yet as of XX/XX/XXXX. Below are the details of the follow up - XX/XX/XXXX - I emailed the rep, did not receive a response XX/XX/XXXX- I contacted their customer care, got a response and they escalated my request to the " relevant team '' XX/XX/XXXX- I emailed again, no response XXXX XXXX- I emailed again and mentioned that I would file a complaint with the CFPB if they did not resolve the issue. I immediately got a response from the rep apologizing for the delay. He mentioned he would follow up internally and get back. 
XXXX XXXX - I emailed again and I got a response from the rep. He said he had failed to follow the correct internal process previously and had now rectified it. He confirmed that I would receive the reimbursement by the following week XXXX XXXX- I emailed again, no response XXXX XXXX- I emailed again, no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 a account without my hand 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 2024-04-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 a account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX offer credit care credit card as a option for payment for services on XXXX XXXX, and XX/XX/2024 partial service was rendered unacceptable, credit care paid the full payment without my signature or credit card in my possession

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
Name XXXX XXXX XXXX XXXX INCORRECT Following information to be REMOVED FROM MY CREDIT REPORT Due to IDENTITY THEFT AND ERRORS. 

XXXX XXXX TransUnion : Addresses : XXXX XXXX XXXX XXXX XXXX il XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX : XXXX XXXX - Account XXXX ... .. XXXX {$8700.00} - XX/XX/XXXX Account XXXX ... XXXX {$10000.00} - XX/XX/XXXX TransUnion & XXXX XXXX XXXX XXXX Account XXXX .... {$2600.00}. - XX/XX/XXXX TransUnion : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX .... XXXX {$68.00} - XX/XX/XXXX XXXX : XXXX XXXX - Account XXXX .... XXXX {$9700.00} - XX/XX/XXXX Inquires XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I HAVE SENT ON SEVERAL OCCASIONS for YEARS SENT THE FOLLOWING : 1. AN STATE ID 2. POLICE REPORTS 3. SSN 4. LIST OF ACCOUNTS YEARS OF XXXX RESPONSE. AGAINST THE. LAW. 
AS A RESULT ; I HAVE BEEN UNABLE TO FUNCTION IN GETTING A HOME, A JOBS AND AIDING MY BUSINESS. THIS HAS COMPLETELY HANDICAP MY ABILITY TO TAKE CARE OF MY FAMILY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am being taken advantage as a consumer and being ignored. My credit report is being affected by this inaccurate information that is being reported in violation of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Transworld sent collection to credit report in the amount of {$470.00}. I have received zero phone calls from this company nor have I received a verification of debt letter which means this collection agency is in violation. I have zero knowledge of the debt they are reporting that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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 am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: MOHELA
State: OH

Complaint narrative:
I have been placed on administrative forbearance outside of my choice. However I am paid up for the next 8 months. My PSLF will not count as I will be in forbearance against my will. I requested removal within 3 hours of notification and was told I have 2 months to wait. This is the inappropriate in the highest form, this is intentional abuse of power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened this account to deposit money, earn an opening credit, and receive monthly interest. When I recently logged in to check the interest earned for tax purposes, I was shocked to discover that Citi had not paid the interest but instead paid themselves {$12.00} per month without my permission. They never sent any notice informing me that they would be removing these amounts from my account. 

There is absolutely no excuse for Citi to pay themselves for the luxury of using my money and thinking it's acceptable to hold my funds without paying interest. They are not entitled to free money. They must pay for the right to borrow my hard-earned money. 

Citibank must immediately return the money they have stolen from me and pay the interest owed on the money that was in the account. They have been engaging in this unethical practice for a year and have failed to pay the interest that is rightfully due to me. This is completely unacceptable, and I demand that Citibank rectify this situation without further delay. 

The account number is XXXX XXXX XXXX and the original billing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 explanation